Expat & Executive Insurance Thailand by Ganjira - Allianz Ayudhya

03/10/2026

Is Your Health Insurance Really Covered?

A recent client case is a reminder for Expats in Thailand.

The client had a pre-existing medical condition, but it was not disclosed when applying for insurance. The insurer was therefore unaware of it.

Later, when the client needed treatment, the insurer reviewed the medical history and found that the condition existed before the policy started. The related claim was therefore not covered.

The lesson is simple: always disclose your medical history and check directly with the insurer how pre-existing conditions are treated.

There is also another important point for Expats.

If you are considering insurance from an international insurer, check whether the insurer is licensed to operate in Thailand and whether the person selling the policy is properly authorized.

The OIC has recently taken action regarding the solicitation of insurance from overseas insurers that are not licensed in Thailand and has warned consumers about the risks, including the inability to seek protection through the OIC under Thai law.

This is not about saying an international insurer is good or bad.

It is simply about protecting yourself.

Check. Ask. Verify — before you need to make a claim.

Reference: www.thairath.co.th/money/personal_finance/insurance/2935117

16/09/2026

✨ FIRST CLASS ULTRA — Premium Health Protection with More Benefits, More Confidence.
Choosing health insurance isn’t only about the coverage limit.
It’s also about knowing when your coverage starts and how you can use your benefits.

Here’s a simple guide to the waiting periods:
🏥 General Illness – OPD & IPD 30 days
🎗️ Critical Illness - 30 days
🚨 Accident - No waiting period
📄 Fax Claim / Direct Billing - After 90 days

And with the First Class Plan, you can enjoy additional benefits including:

🩺 Annual Health Check-up — 12 months
💉 Vaccination — 12 months
🦷 Dental Treatment — 12 months |
👓 Vision — 12 months | 80% reimbursement
🧠 Psychological Treatment — 12 months
🤰 Maternity — 12 months
👶 Miscarriage — 12 months

🔎 Pre-existing Conditions
If a medical condition may have existed before the policy started, the insurance company may request medical records for review and, in some cases, may require the customer to pay upfront first. Eligible approved claims can then be reimbursed according to the policy terms.

💙 Good insurance is not just about having a high coverage limit. It’s about understanding your benefits and having the right protection when you need it.

If you’re looking for premium health insurance in Thailand, I’m happy to explain the coverage, benefits, waiting periods and options based on your needs.

📩 Feel free to message me for more details or a quotation.
Ganjira Health & Life Insurance Advisor
Your Health. Your Life. My Priority. ❤️

16/09/2026

“Rest assured, I’ll be here to support and take care of your health and life protection throughout your insurance journey in Thailand. 🤍”

Thank you to my client for sharing his experience and recommending me in his article about finding the right insurance as a professional diver. 🙏

I’m proud to work with Allianz Ayudhya and to provide professional, transparent advice to my clients.

🤞If I ask you many questions about your health, occupation or lifestyle, please don’t worry. 😊 Every detail is important for the underwriting and risk assessment process.

My goal is not simply to sell you a policy, but to make sure you have the right protection, long-term coverage, and peace of mind while living in Thailand.

The questions I ask today are designed to protect you tomorrow. 🤍

— Ganjira Tuntithanuthong
Health & Life Insurance Advisor | Allianz Ayudhya

ประกันสุขภาพ ข้อยกเว้นการดำน้ำ และ DAN – บทเรียนจาก underwriting สำหรับนักดำน้ำอาชีพในไทย

13/09/2026

💙 The Best Time to Get Insured Is While You’re Still Healthy

We often think about health insurance when we become sick or start facing medical expenses.
But the truth is — the best time to plan for your health is before you need it.

With Allianz Ayudhya Health Insurance, new applicants can be accepted up to 69.5 years old, with the possibility to renew coverage up to age 99, subject to the plan’s terms, conditions and underwriting.

Why wait until your health changes?
✨ Protect yourself from unexpected medical expenses
✨ Have access to quality medical care
✨ Protect your savings and financial future
✨ Give yourself and your family greater peace of mind

Good health gives you more choices.

If you’re still healthy today, this may be the right time to start planning for tomorrow. 🌿💙

📩 Feel free to message me.
I’d be happy to help you explore a health insurance plan that fits your needs and budget.

GanjiraFinancial Advisor & Health Insurance

25/08/2026

Know Before You Buy Health Insurance 🏥 | Which Conditions May Affect Your Eligibility?

Before purchasing health insurance, it is important to understand pre-existing conditions — medical conditions or health issues that existed before the insurance coverage began.

Examples of conditions that may require special consideration include:

❤️ Heart & cardiovascular diseases / high blood pressure
🎗️ Cancer
🩺 Diabetes
🫀 Liver diseases, such as hepatitis or cirrhosis
🦋 Autoimmune diseases, such as SLE
⚖️ Obesity
🫘 Kidney disease / kidney failure
🫁 Chronic lung diseases
🧠 Cerebrovascular diseases, stroke, or certain neurological conditions

📌 Important: Insurance eligibility, exclusions, and coverage terms are subject to the insurer’s underwriting assessment and may vary depending on the individual’s age, medical history, and selected plan.

💙 The best time to secure health insurance is while you are still healthy.

If you have an existing medical condition or a history of treatment and would like to know whether you may still qualify for health insurance and what conditions may apply, feel free to contact us for a preliminary assessment.

17/08/2026

💙 6 Years to Pay. A Lifetime to Protect.

Plan today. Protect tomorrow. Create a legacy for the future.

Financial planning is not only about growing your money. It is also about making sure that the people you love are financially protected — even when you are no longer there.

✨ My Prime Legacy Ultra A99/6
A participating whole life insurance plan designed to combine:

🛡️ Protection
Life insurance coverage of 5,000,000 Baht

💰 Short Premium Payment
Pay 275,750 Baht/year for only 6 years
Total premiums: 1,654,500 Baht

💎 Guaranteed Cash Value
The policy provides a guaranteed cash surrender value according to the policy schedule.

At the end of Year 15:
Surrender Value: 1,670,000 Baht
vs. Total Premium Paid: 1,654,500 Baht

📈 Opportunity for Additional Dividend
As a participating whole life policy, there is an opportunity to receive additional dividends, depending on the company's investment performance and policy conditions.

✨ Illustrative Mid-Case at 3.20%
Guaranteed Maturity Benefit 5,000,000 Baht
Illustrative Maturity Dividend +1,403,500 Baht
Illustrative Total at Maturity 6,403,500 Baht

🤍 More Than Insurance
Protect your family. Build long-term financial value. Create a legacy for the people you love.

A solution for those who want to pay for only 6 years while planning for long-term protection and wealth transfer.

📩 Interested in seeing how this plan could fit your financial goals?

Feel free to message me for a personalized illustration.

16/08/2026

Insurance is not just about coverage. It’s about having someone you can trust when you need protection the most. 🤍
Personalized advice.
Thoughtful protection.

Professional service — with someone by your side every step of the way.
Your Trust. Our Priority.

📞 084-245-4289
📧 [email protected]
💬 LINE: Scan the QR Code

12/08/2026

ตรวจสุขภาพก่อนทำประกัน…อาจมีผลต่อการพิจารณาความคุ้มครอง

ลูกค้าทราบไหมคะว่า หลายกรณีลูกค้าที่ตั้งใจจะทำประกันสุขภาพ กลับพบว่าไม่สามารถได้รับความคุ้มครองในบางโรค หรือบางกรณีอาจไม่สามารถสมัครได้ตามแผนที่ต้องการ หลังจากเข้ารับการตรวจสุขภาพแล้วพบโรค ภาวะผิดปกติ หรือรอยโรคที่ไม่เคยทราบมาก่อน

เพราะบริษัทประกันจะพิจารณารับประกันจาก ข้อมูลสุขภาพและประวัติทางการแพทย์ ณ วันที่สมัคร ซึ่งผลการตรวจที่พบใหม่อาจมีผลต่อการพิจารณา เช่น การยกเว้นโรค การเพิ่มเบี้ย หรือเงื่อนไขอื่น ๆ ตามหลักเกณฑ์ของบริษัท

ดังนั้น หากคุณกำลังวางแผนทำประกันสุขภาพ
ควรวางแผนและปรึกษาผู้เชี่ยวชาญด้านประกันก่อนเข้ารับการตรวจสุขภาพที่ไม่เร่งด่วน

เพื่อประเมินว่าแผนไหนเหมาะกับคุณ และควรเตรียมตัวอย่างไรให้การสมัครเป็นไปอย่างถูกต้องและได้รับความคุ้มครองที่เหมาะสมที่สุด

⚠️ สำคัญ: การสมัครประกันต้องเปิดเผยข้อมูลสุขภาพและประวัติการรักษาตามความเป็นจริงทุกประการ ไม่ควรปกปิดหรือหลีกเลี่ยงการตรวจที่แพทย์แนะนำ

เพราะประกันสุขภาพที่ดีที่สุด ไม่ใช่แค่ “ซื้อให้ได้”
แต่คือ การวางแผนความคุ้มครองให้เหมาะสม ตั้งแต่วันที่สุขภาพยังสามารถเลือกได้ค่ะ 🩷

A Health Check-up Before Buying Insurance… May Affect Your Coverage

Did you know that in many cases, people who plan to purchase health insurance may later find that certain conditions are not covered—or that they may not qualify for the plan they originally wanted—after a health check-up reveals a disease, abnormality, or medical finding they were previously unaware of?

Insurance companies assess applications based on your health information and medical history at the time of application. Newly discovered medical conditions may affect the underwriting decision, potentially resulting in exclusions, higher premiums, or other terms and conditions, depending on the insurer’s underwriting guidelines.

Therefore, if you are planning to purchase health insurance, it is advisable to plan your coverage and consult an insurance professional before undergoing a non-urgent health check-up.

This allows you to understand which plan may be appropriate for you and how to prepare your application properly, so you can seek the most suitable and comprehensive coverage available to you.

⚠️ IMPORTANT: When applying for insurance, you must disclose your health information and medical history truthfully and completely. Never conceal information or avoid medical examinations recommended by your doctor.

Because the best health insurance is not simply about “being able to buy a policy.”

It is about planning the right protection while you still have the freedom to choose. 🩷

05/08/2026

ความมั่งคั่ง…ไม่ใช่แค่สิ่งที่สร้าง แต่คือสิ่งที่ส่งต่อ

อลิอันซ์ อยุธยา ขอแนะนำ มาย ไพรม์ เลกาซี อัลตร้า A99/6 (มีเงินปันผล) แบบเงินค่าเวนคืนคงที่ ผลิตภัณฑ์ประกันชีวิตที่ออกแบบมาเพื่อช่วยวางแผนความมั่งคั่ง พร้อมส่งต่อความมั่นคงให้กับคนที่คุณรัก

พร้อมตอบโจทย์ผู้ที่มองหาโซลูชันด้านการวางแผนทางการเงินระยะยาวอย่างมั่นใจ 💙

#อลิอันซ์อยุธยา