Generali Insurance (Thailand) is making a full-scale move into the premium health insurance market with the launch of its new product, “GEN HEALTH PREMIER,” under the concept of Beyond Lump Sum. The plan is designed to go beyond the limitations of traditional lump-sum plans with enhanced premium features, while addressing the lifestyles of consumers who value comprehensive and long-term cost-effective coverage. It targets both customers seeking premium-level health insurance that matches high-end medical services and expatriates working or residing in Thailand who require all-in-one coverage under a single policy. The product is offered exclusively through Generali Insurance brokers only.

Ms.Yuwadee Ngantaweekit, Chief Commercial Officer Of Generali Thailand, said, “Currently, the premium customer segment and expatriates living in Thailand continue to grow, particularly those who use private hospitals that meet international standards, where medical expenses continue to rise every year. We have gained a key insight that this group of customers wants coverage that is ‘clear and truly adjustable,’ especially per-visit inpatient lump-sum coverage that enables them to plan their medical expenses with greater confidence.” She added, “The needs of this customer group are unique. Having a professional broker who can help design a protection plan that suits their needs is an experience customers expect and is a key part of our strategy this year.”

Ms.Yuwadee further explained the product concept: “GEN HEALTH PREMIER is designed for customers seeking clear coverage that includes major illnesses and can accommodate continuously rising medical costs, with a focus on providing peace of mind at every important stage of life.” She outlined the key highlights of “GEN HEALTH PREMIER” as follows:

1. Health lump-sum plan offering up to 5 million baht per treatment, with unlimited treatments per year*, covering both critical and common illnesses. There is no need to purchase multiple policies. It is especially suitable for customers seeking treatment at premium hospitals, as well as expatriates familiar with international standards of coverage.
2. Receive 50% additional coverage upon diagnosis of a critical illness, providing maximum reassurance during critical times to accommodate potentially escalating medical expenses. This benefit ensures sufficient budget throughout treatment, including ongoing care such as dialysis for chronic kidney failure and outpatient cancer treatments (chemotherapy and radiotherapy, etc.).
3. Enjoy premium discounts of up to 65% with a deductible option, enabling customers to plan and control premiums more flexibly. This is suitable for executives, business owners, or families who wish to manage costs or already have other coverage.
4. Coverage across a wide age range, with entry ages from 11–70 years and renewability up to 80, supporting both individual customers and family members.

“In addition, there are renewal discounts for customers with no claims as a reward for maintaining a healthy lifestyle, helping to save more on premiums in the long term,” Ms. Yuwadee concluded.

Interested persons can contact Generali Insurance (Thailand) brokers or the CUSTOMER FIRST Contact Center at 1394. More details on GEN HEALTH PREMIER are available at https://generalith.com/gen-health-premier .