Protecting the people who matter most.
The right cover was never about policies. It's about the people on the other side of them.
Most people are sold a policy they never fully understood. We do the opposite — we start with the worry that keeps you up at night, and explain exactly what protects you against it. No jargon. No pressure.
This is independent, multi-carrier protection advisory for expats and families living in Thailand. We are not here to push the biggest policy. We are here to translate insurance into language a normal person can actually decide on.
A customer never wants "a Multi-Pay Critical Illness rider." They have a worry — a hospital bill that could wipe out savings, a family left with nothing, a serious diagnosis. We name the worry first, then show the one or two things that genuinely answer it. The product is the last conversation, not the first.
Find the worry that sounds like yours. That is where the right cover begins.
"A big hospital bill could wipe me out."
HEALTH COVER — pays your hospital bills when you get sick or injured, so private-hospital costs don't become your problem.
"What if I get cancer or something serious?"
CRITICAL ILLNESS — a lump sum on diagnosis, so you can focus on getting better instead of the money.
"If something happens to me, my family has nothing."
LIFE COVER — money for the people who depend on you, so a sudden loss isn't also a financial one.
"If I'm stuck in hospital, my income stops."
HOSPITAL CASH — pays you for every night admitted, so the bills at home keep getting covered.
"My money just sits there doing nothing."
SAVINGS & INVESTMENT — plans that grow your money and protect your life at the same time.
"What will I live on when I stop working?"
RETIREMENT INCOME — a steady "salary" for later, with tax savings now.
Independent and multi-carrier — we are above any single insurer, so the advice fits you, not a sales target. Every recommendation is something we can explain in one plain sentence. If you can't understand it, we haven't finished our job.
For expats, how long you plan to stay changes the advice significantly. We don't lock a one-year assignee into a 20-year savings plan, and we don't under-protect someone who has put down roots. It's the first question we ask — because the answer changes everything.
Short stay · Under 3 years
Annual renewable health and accident cover. No long-term lock-in. Straightforward to pause or close when you move on. We won't recommend anything that doesn't fit your horizon.
Long stay · 3–5 years or more
The full protection stack — health, critical illness, life, savings, retirement income. The longer your horizon, the more a structured plan works in your favour rather than against it.
Not sure how long you'll be here? That's fine — a 15-minute conversation is enough to map it out.
A sample of the plans we advise on. Figures shown are as published by the insurer; final terms always follow the policy document.
A free, relaxed conversation about your life and what worries you.
We map what you already have and where the real gaps are.
We explain — in plain language — the one or two plans that fit.
You decide, with full clarity. We arrange the rest.
Many of the plans we advise on reward you for staying healthy — turning insurance from "money I hope I never use" into "money I actively earn back." We'll show you exactly how.
No quote, no pressure — just clarity on what you actually need.
Book a free consultationExpat Insurance Thailand is the protection-advisory practice of P1 Thailand — independent and multi-carrier. Product names and figures shown are as published by the respective insurers and are for general information only; they are not an offer, a quote, or financial advice, and final terms, conditions and exclusions always follow the policy document and the regulations of the Office of Insurance Commission (OIC), Thailand. Investment-linked plans carry investment risk and are not bank deposits. Any personal information you share is handled under Thailand's PDPA and used only to respond to your enquiry.