Muang Thai Insurance is one of Thailand’s five biggest non-life insurers, and I used its car insurance myself and made three claims that were all handled well. Its health insurance costs less than an international plan, but it pays only THB100,000 a year toward chemotherapy, which is too little for most expats.
Muang Thai Insurance traces its roots back to 1932 and sells car, health, accident, travel, home and business insurance. Most of its customers are Thai, but its car insurance works just as well for a foreigner with a Thai-registered car.
I’ve used Muang Thai Insurance for my own car, so the car section below includes my claims, how fast the agents arrived and what a garage owner told me about them.
This review covers both products foreigners ask about: what Muang Thai’s car insurance covers and costs, how claims work, what its Health ME Plus plan pays and costs, and which alternatives fit better if it doesn’t suit you.
Disclaimer: Some links in this article go to our partners, and we may earn a commission if you use them. It costs you nothing extra, and we only recommend services we'd use ourselves. Read more in our Advertising Disclosure.
Contents
Key Takeaways
- This review covers Muang Thai Insurance, the non-life insurer with the blue logo, not Muang Thai Life Assurance.
- Muang Thai Insurance is one of the biggest car insurers in Thailand and sells every type from compulsory cover to Type 1, plus a Type 1 plan for electric cars.
- Its car insurance limits are similar to other insurers, but customer support and claims are excellent in my experience.
- In our 2024 quotes, its car insurance cost less than Viriyah and Bangkok Insurance.
- Not every garage accepts Muang Thai claims, so check with yours before you buy.
- Its Health ME Plus plan pays up to THB10 million per hospital stay, but chemotherapy and radiotherapy are each capped at THB100,000 a year.
- For health cover, most expats get a better deal from an international plan or an expat-focused Thai plan.
Muang Thai Insurance at a Glance
Muang Thai Insurance is a good pick for car insurance if your preferred garage accepts it, and a weak pick for expat health insurance.
Muang Thai Insurance
Thai car, health and general insurance
- Founded
- Roots go back to 1932
- Size
- Fifth-largest non-life insurer in Thailand
- Car insurance
- Compulsory, Type 1, 2+, 3+, 3 and an EV Type 1
- Compulsory cover
- From THB645.21 a year online
- Health ME Plus
- THB1 million to THB10 million per hospital stay
- Cancer drugs
- Chemo capped at THB100,000 a year
- 24-hour hotline
- 1484
- Network
- 900+ hospitals and clinics, 1,700+ garages and repair shops
Looking for health cover? Compare health insurance plans
Verified October 2026.
Which Muang Thai Is This?
This review covers Muang Thai Insurance, the company with the blue logo that sells car, health and property insurance, not Muang Thai Life Assurance, a separate company with a pink logo that mainly sells life insurance.
Fun fact: Muang Thai Insurance’s CEO is Madam Pang (Nualphan Lamsam), who has also been president of the Football Association of Thailand since February 2024.
Is Muang Thai Insurance Reliable?
Muang Thai Insurance is a long-established, licensed insurer whose history goes back to 1932, and it describes itself as the fifth-largest non-life insurer in Thailand. (Verified October 2026.)
The current company formed in 2008, when Phatra Insurance merged with the original Muang Thai Insurance. It’s a public company with a head office on Ratchadaphisek Road in Bangkok, and I’d expect it to be around for many years to come.
Car Insurance
Muang Thai Insurance sells every kind of car insurance in Thailand, from the compulsory policy (from THB645.21 a year online) through Type 3, 3+, 2+ and Type 1, including a Type 1 plan for electric cars. (Verified October 2026.)
The compulsory policy, known as Por Ror Bor, has the same cover and a fixed price at every insurer. Everything else is voluntary insurance you add on top, and Muang Thai has several versions of each type.
Muang Thai Car Insurance Plans
Muang Thai’s voluntary car insurance starts at THB4,900 a year for its cheapest 3+ plan, according to its own product pages. (Verified October 2026.) Your actual price depends on the car, its age and where you live:
| Plan | What it covers | Starting price |
| Compulsory (Por Ror Bor) | Injury and death for anyone hurt in a crash, up to THB500,000 a person | THB645.21 a year (THB569 with the current 12% online discount) |
| 3+ Surprise | Third parties, plus your own car in a crash with another vehicle; cars up to 25 years old | THB4,900 a year |
| 3+ Save | Third parties, plus your own car in a crash with another vehicle | THB6,400 a year |
| 2+ Surprise | Like 3+, plus theft and fire; cars up to 25 years old | THB5,900 a year |
| 2+ Save | Like 3+, plus theft and fire, with up to THB500,000 cover for your car | THB7,200 a year |
| 2+ Kanplik (rollover) | Like 2+, plus rollover and windscreen damage, with no deductible | THB6,900.43 a year |
| Type 1 SUV | Full cover for SUVs, plus THB2,000 when your car goes in for repair | THB15,300 a year |
| New Motor EV | Type 1 for electric cars, repaired at the dealer | Quote online |
Muang Thai also has a low-mileage Type 1 plan that it says saves up to 65% if you rarely drive, and several garage-repair Type 1 plans for older cars.
When we first reviewed Muang Thai in 2024, you could choose a deductible (the amount you pay yourself on each claim) from THB1,000 to THB5,000 to lower the price. We haven’t re-checked the current deductible options, so ask when you get a quote.
Car Insurance Coverage
Muang Thai’s standard Type 1 policy for a 7-seat car pays up to THB1,000,000 per person for injury or death to other people, and covers your own car up to the amount you insure it for. (Verified October 2026.)
| Cover | Limit |
| Injury or death to other people | THB1,000,000 per person, THB10,000,000 per accident |
| Damage to other people’s property | THB5,000,000 per accident |
| Your own car (crash, fire, theft) | Up to the car’s insured value |
| Personal accident, driver and passengers | THB100,000 per person |
| Medical expenses, driver and passengers | THB100,000 per person |
| Bail bond | THB300,000 per accident |
Because the car insurance market is so competitive, cover is very similar from company to company. What changes most is the type of policy you pick, and the price.
Claim Procedure
Muang Thai sent an agent to me within 15 minutes, late at night, the first time I needed to claim. I made three claims in total:
- First accident: someone hit my car on Ratchada Road at around 10 pm.
- Second accident: a tree suddenly fell and almost hit my car at 6 am.
- Third accident: I accidentally hit an iron pole in a department store car park at around 2 pm.
For the first accident, the agent dealt with the other driver professionally and filled in my claim form for me.
The second claim went the same way. The agent came to the scene quickly, even though it was early in the morning, and handled everything.
The third was different, because nobody else was involved. They asked me to add their LINE account and send photos of the damage, then sent me a claim form online that I used to get the car fixed later.
Based on my experience, Muang Thai Insurance handles claims professionally, and I’m very happy with their service.
Partner Garages
Muang Thai Insurance lists more than 1,700 partner garages, glass shops and repair shops across Thailand in its online garage finder. (Verified October 2026.)
Not every garage accepts Muang Thai claims, though. If you have a garage in mind, check with them in advance that they take Muang Thai Insurance.
From what I gather, the network isn’t as large as Viriyah Insurance, which most garages accept.
Car Insurance Customer Support
Muang Thai Insurance’s call center is 1484, open 24 hours a day. Press 1 to report an accident. (Verified October 2026.)
In my experience, English support isn’t always available, especially late at night or early in the morning. If nobody English-speaking is free, they call you back as soon as they can.
Should I Buy Car Insurance from Muang Thai Insurance?
Muang Thai is a good choice for car insurance if the garage you plan to use accepts its claims. I’ve always had good experiences with its support and claims, and the premium was cheaper than Viriyah or Bangkok Insurance when we compared.
I also asked the owner of the garage that fixed my car what he thought of Muang Thai Insurance. He said it was a good company that approved claims quickly.
My only complaint is the garage network. It covers the whole country, but not every garage accepts Muang Thai claims.
How Much Does Muang Thai Insurance Car Insurance Cost?
Muang Thai’s Type 1 cost THB14,501 a year in our CheckDi comparison, less than Viriyah or Dhipaya, with lower personal accident and medical cover. Its Type 3+ cost THB4,900, the joint second-cheapest of 29 Type 3+ plans and the same as the starting price of its 3+ Surprise plan on its own website. (Verified October 2026.)
We ran live quotes on CheckDi for a 2023 Toyota Yaris Ativ 1.2 sedan registered in Bangkok and insured for THB350,000, with garage repair and no deductible. This is how the Type 1 plans compared:
Swipe sideways to see every plan →
| Type 1 quote | Chubb | Muang Thai | Viriyah | Dhipaya |
| Your car (crash) | THB350,000 | THB350,000 | THB350,000 | THB350,000 |
| Fire and theft | THB350,000 | THB350,000 | THB350,000 | THB350,000 |
| Injury or death of other people | THB500,000 per person | THB500,000 per person | THB1,000,000 per person | THB1,000,000 per person |
| Damage to other people’s property | THB5,000,000 | THB5,000,000 | THB5,000,000 | THB5,000,000 |
| Personal accident | THB200,000 | THB100,000 | THB200,000 | THB300,000 |
| Medical expenses | THB200,000 | THB100,000 | THB200,000 | THB300,000 |
| Bail bond | THB300,000 | THB300,000 | THB200,000 | THB300,000 |
| Deductible | THB0 | THB0 | THB0 | THB0 |
| Price per year | THB13,600 | THB14,501 | THB18,000 | THB18,750 |
Chubb was the cheapest of the four with the same THB5,000,000 cover for other people’s property. Viriyah and Dhipaya cost THB3,500 to THB4,250 more than Muang Thai, but pay twice as much for injuries to other people and more for personal accident and medical bills.
A deductible, the amount you pay yourself on each claim, brings the price down. AXA quoted THB10,700 for the same THB350,000 cover with a THB3,000 deductible. The cheapest Type 1 overall was THB9,100 from Indara, but that plan only covers your own car up to THB100,000.
For cheaper types of cover on the same car, these were the yearly prices across all insurers on CheckDi:
Swipe sideways to see every plan →
| Type of cover | Cheapest | Typical | Most expensive | Cheapest three insurers |
| Type 2+ | THB5,101 | THB6,699 | THB9,501 | Aioi, KPI, Thaivivat |
| Type 3+ | THB4,600 | THB6,000 | THB11,800 | Aioi, Muang Thai, Dhipaya |
| Type 3 | THB1,800 | THB2,301 | THB4,297 | Chubb, Indara, MSIG |
The value of your car changes the Type 1 price the most. For a 2018 Honda City insured for THB210,000, the cheapest Type 1 garage-repair quote was THB5,900, from Dhipaya.
When we compared quotes in 2024, Muang Thai also sat in the middle of the price range: more expensive than Roojai and Dhipaya, but cheaper than Viriyah and Bangkok Insurance.
Your own price depends on your car’s model, age, value and province, so the quickest way to check is to run a quote. CheckDi is a licensed Thai insurance broker that shows plans from many insurers on one page, and its English-speaking team can help you buy and claim. Our CheckDi review explains how it works.
Health Insurance
Muang Thai Insurance’s main health plan, Health ME Plus, pays up to THB1 million, THB3 million, THB5 million or THB10 million per hospital stay, depending on which of its four plans you choose. (Verified October 2026.)
The plans are built mainly for Thais, but they can interest expats in Thailand who want a cheaper local plan. Like most Thai plans, they cover treatment in Thailand only.
Plans and Coverage
Health ME Plus Plan 4 costs THB45,813 a year at age 41-45 and pays up to THB10 million per hospital stay, with a room limit of THB15,000 a night. (Verified October 2026.)
Swipe sideways to see every plan →
| Plan | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
| Limit per hospital stay | THB1,000,000 | THB3,000,000 | THB5,000,000 | THB10,000,000 |
| Room and meals, per night | THB8,000 | THB10,000 | THB12,000 | THB15,000 |
| ICU room, per night (up to 15 nights) | THB16,000 | THB20,000 | THB24,000 | THB30,000 |
| Doctors, surgery, tests and medicines in hospital | Paid in full up to the limit | Paid in full up to the limit | Paid in full up to the limit | Paid in full up to the limit |
| Chemotherapy, per year | THB100,000 | THB100,000 | THB100,000 | THB100,000 |
| Radiotherapy and nuclear medicine, per year | THB100,000 | THB100,000 | THB100,000 | THB100,000 |
| Outpatient care for an injury (within 24 hours) | THB10,000 | THB10,000 | THB10,000 | THB10,000 |
| Price at age 41-45, no deductible | THB32,243 a year | THB36,061 a year | THB43,044 a year | THB45,813 a year |
| Price at age 56-60, no deductible | THB59,849 a year | THB63,914 a year | THB77,357 a year | THB82,150 a year |
Plans 2 to 4 can take a deductible of THB20,000, THB40,000 or THB80,000 per hospital stay, which cuts the price sharply. At age 41-45, Plan 4 drops from THB45,813 to THB11,926 a year with the THB80,000 deductible.
You can add outpatient cover for doctor visits without a hospital stay, for one visit a day and up to 30 visits a year. (Verified October 2026.)
| Plan | Per visit | Price, age 41-50 |
| Outpatient Plan 1 | THB1,000 a visit | THB6,505 a year |
| Outpatient Plan 2 | THB1,500 a visit | THB9,811 a year |
| Outpatient Plan 3 | THB2,000 a visit | THB13,004 a year |
There’s also a critical illness add-on that pays a lump sum of THB50,000 to THB500,000 if you’re diagnosed with cancer, a heart attack, a stroke or another listed illness.
Partner Hospitals
Muang Thai Insurance’s online hospital list has more than 900 hospitals and clinics across Thailand, and at many of them you don’t pay upfront for a hospital stay. (Verified October 2026.)
When we first wrote this review in 2024, its partners included these well-known private hospitals:
- Bangkok: Bumrungrad, Bangkok Hospital, Samitivej (Sukhumvit and Srinakarin), BNH, Bangkok Christian and Thai Nakarin.
- Chiang Mai: Bangkok Hospital Chiang Mai, Chiang Mai Medical Center and Chiangmai Ram.
- Phuket: Bangkok Hospital Phuket and Mission Hospital Phuket.
Check the hospital finder on Muang Thai’s website for your local hospital before you buy, because the list changes.
Health Insurance Claim Procedure
To claim with Muang Thai health insurance, show your Muang Thai card at a partner hospital and Muang Thai pays the hospital directly. You pay only the amount above your plan’s limits.
Health Insurance Customer Support
Muang Thai’s health insurance uses the same 24-hour 1484 hotline as its car insurance; press 2 to report other events or 4 for other insurance questions.
Should You Buy Health Insurance from Muang Thai Insurance?
Muang Thai’s Health ME Plus is affordable, but its cancer cover is too low for most expats. Even on Plan 4, chemotherapy and radiotherapy are each capped at THB100,000 a year.
There’s a good discussion in a Thai cancer Facebook group about how much cancer cover you need. Many members said early-stage cancer treatment at a private hospital in Thailand cost THB2 million to THB3 million.
For people in the final stages who were treated at a premium hospital, the cost was around THB35 million.
In my opinion, expats usually get a better deal from international health insurance. It costs a bit more, but the cover is much better.
For example, Cigna Healthcare‘s starting Silver plan has a US$1,000,000 yearly limit with cancer care included, and it can cover your home country as well as Thailand.
Another option is a local plan from Luma Health, which is built for expats and costs less than an international plan.
Find out more: Health Insurance in Thailand: What You Need to Know as an Expat
Other Products
Besides car and health insurance, Muang Thai Insurance sells these mainly to Thai customers:
- Personal accident insurance
- Travel insurance, mainly for Thais travelling abroad
- Home and property insurance
- Business insurance
- Pet insurance
I don’t review them here, since they’re aimed at Thai citizens.
Disadvantages
Muang Thai Insurance’s weak points for foreigners:
- Not every garage accepts Muang Thai claims, and the network is smaller than Viriyah’s.
- English support on the 1484 hotline isn’t always available at night.
- Health ME Plus caps chemotherapy and radiotherapy at THB100,000 a year each, on every plan.
- Its health plans cover Thailand only.
- Most product pages and documents are in Thai.
Should I Get It?
Muang Thai Insurance is worth getting for car insurance if your garage accepts it: its claims service is fast, and its prices were mid-range when we compared. Of all the types of insurance in Thailand it sells, car insurance is the one I’d recommend.
For health insurance, there are better options for expats in Thailand. Before you buy car insurance, compare prices with other insurers on CheckDi.
Alternatives
Other Thai insurers we’ve reviewed for car insurance:
- Viriyah Insurance: a large car insurer that most garages accept. See our Viriyah Insurance review.
- Bangkok Insurance: a large, long-running insurer with car and health plans. See our Bangkok Insurance review.
- Dhipaya Insurance: one of the cheapest insurers in our CheckDi quotes. See our Dhipaya Insurance review.
Our guide to car insurance in Thailand explains the policy types. For health insurance, these plans suit expats better:
- Cigna Healthcare: international cover with high limits and full cancer care. See our Cigna Healthcare Thailand review.
- Luma Health: a Thai health plan built for expats and priced in baht. See our Luma Health review.
- AXA EasyCare Visa: a cheap Thai plan that comes with the O-A and O-X visa certificate. See our AXA EasyCare Visa review.
- April International: worldwide cover with no room caps on its middle and top plans. See our April International review.
- ACS Expat: low-cost worldwide hospital cover that renews for life. See our ACS Expat review.
To compare health plans side by side, use our expat health insurance comparison.
FAQ
Muang Thai Insurance answers most questions on its 24-hour hotline, 1484.
Is Muang Thai Insurance the same as Muang Thai Life?
No. Muang Thai Insurance (blue logo) sells car, health and property insurance. Muang Thai Life Assurance (pink logo) is a separate company that mainly sells life insurance.
Can foreigners buy Muang Thai car insurance?
Yes. Car insurance is tied to the car, so a car registered in Thailand can be insured whatever your nationality. You can compare Muang Thai’s prices with other insurers on CheckDi.
What number do I call after a car accident?
Call 1484 and press 1 to report an accident. The line is open 24 hours, and Muang Thai sends an agent to the scene.
Does Muang Thai health insurance cover cancer?
Yes, but with low limits. Surgery and hospital stays for cancer fall under the normal per-stay limit, while chemotherapy and radiotherapy are each capped at THB100,000 a year on every Health ME Plus plan.
Disclaimer
*While we try our best to provide you with up-to-date and accurate information, the volatile nature of the insurance business means some of the information above may be subject to change. Please use it only as a guideline, and if you have any doubts, it’s best to check directly with Muang Thai Insurance or an insurance broker.
We are not an insurance broker and can’t offer individualized advice. We can only connect you with people who we would consult in your situation, and who we found to be professional, knowledgeable, and ethical in their dealings with clients.
These providers sometimes provide us with financial incentive to refer new clients to them. This happens at no cost to you and helps us cover some of the expenses of running this website.
Please be aware that while we do our best to select the most suitable providers, we’re unable to provide any guarantees or accept any liability resulting from your interactions and transactions with our partners.
Sources Cited
- Muang Thai Insurance, Our History: roots in 1932, the 2008 merger of Phatra Insurance and Muang Thai Insurance, fifth-largest non-life insurer. Legal name: Muang Thai Insurance Public Company Limited, 252 Ratchadaphisek Road, Bangkok.
- Muang Thai Insurance, Meet our CEO: Mrs. Nualphan Lamsam, CEO, and president of the Football Association of Thailand since 8 February 2024.
- Muang Thai Insurance, Motor Insurance: Type 1 limits, plan line-up (Type 1, 2+, 3+, 3, compulsory, New Motor EV, low-mileage Type 1) and starting prices.
- Muang Thai Insurance, Health ME Plus: per-stay limits, room limits, chemotherapy and radiotherapy caps, deductibles, premiums, outpatient and critical illness add-ons.
- Muang Thai Insurance, Contact Us: 1484 call center menu.
- Muang Thai Insurance, hospital finder and garage finder: size of the hospital and garage networks.
- CheckDi live car and motorbike insurance quotes, pulled 6 and 14 October 2026: 2023 Toyota Yaris Ativ 1.2 and 2018 Honda City 1.5, registered in Bangkok; 2024 Honda Click 125i and Honda CB500F
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