Question 1

Can expats get life insurance in Thailand?

Accepted Answer

Yes. Most major Thai OIC-regulated insurers accept foreign nationals who hold a valid visa, including work permits, retirement visas (O-A), and dependent visas. Expats can typically get covered within 1–2 weeks.

Question 2

Can I deduct life insurance premiums from Thai income tax?

Accepted Answer

Yes. Thai tax residents (spending 180+ days per year in Thailand) can deduct life insurance premiums up to ฿100,000 per year from their assessable income. The policy must be with a Thai OIC-licensed insurer with a minimum 10-year term.

Question 3

What happens to my Thai life insurance if I move countries?

Accepted Answer

Most Thai life insurance policies provide worldwide cover. As long as you continue paying premiums, your beneficiaries remain protected regardless of where you live. However, premium payment options vary by insurer — portability should be confirmed before purchasing any policy.

Question 4

How much life insurance cover do I need as an expat?

Accepted Answer

A starting point is 10x your annual income. As an expat, also factor in outstanding mortgage or debts, international school fees, potential repatriation costs, and whether you have dependants in multiple countries. Our advisors help you calculate a precise, personalised figure.

Why Expats Need Life Insurance | JoJo Life