The company offers a discount for car insurance

1. If the car of the insured installled with camera in the front. Insured will recieve 5 % discount

2. For group insurance when insured making the policy for 3 or more cars at the same time under the same surname or in the same company; for customers who operate a business, insured will get 10% discount from stadard premium rates

3. In the case of customer who renewal policy they will recieve good driving discount if they do not claim in previous year of the policy or they do claim but they are not negligence. They will recieve 10% cumulatively which can be increase up to 50%.

In the case that there is no accidents happening in the year of insurance, or there is an accident but the insured is the right side (able to notify the parties), the company will provide a good history discount of 20%, 30%, 40% and up to 50%. However, if a good 50% discount is received and a claim is made in the same year, the company will give a discount on the insurance premium in the renewal year as follows:

       1. Original hierarchy in the case of claims that the insured is not negligent, and can notify the parties

       2. Reduce one step from the original if the claim is caused by the negligence of the insured, or without the rights to notify the parties

       3. Reduced two levels from the original, but not exceeding the normal rate if there is a claim made by the insured as a negligent, or the insured is unable to notify the parties more than 2 times and the amount exceeding 200% of the premium

The insurance premiums for the named driver is cheaper than the anonymous, and if the name is specified, there will be a discount according to the age of the driver as follows:

        - Age 18 - 24 years, 5% discount

        - Age 25-35 years, 10% discount

        - Age 36 - 50 years, 15% discount

        - Age 50 and over, 20% discount

However, you can specify the names of 2 drivers, and it will charge the premiums from the drivers who are at high risk.

Sedans, passenger cars, motorcycles registered on behalf of a person, except trucks And a car registered on behalf of a juristic person

The driver must be responsible for damages in the case of car repair of the insured first 6,000.- Baht, and if there is compensation for property damage of the parties, the driver will be responsible for an additional 2,000.- baht, total 8,000.- baht.

• If you want to change car insurance from type 3 to type 1, you need to bring the car for a check to inspect whether there is an accident or not, and the changed premium will begin to be calculated on the date of the vehicle inspection until the end of the insurance period.
• In case of transition car insurance from type 1 to type 3, the insured must write a record or write a confirmation of the change of insurance in writing, send FAX to the company, and then different in premium will be returned in the change from type 1 to type 3 at the date of notification until the end of the policy period.

In the event of a car accident which cause the damage in the case insured can't identify another party or insured is at false, the insured must be responsible for the deductible in the amount of 2,000 baht according to the conditions under the insurance policy for the case that the insured chooses to buy coverage which have deductible in an agreement in order to reduce insurance premium.

• Cancelation of the policy will result in partial refunding of the premium
• Policy holder can transfer the policy to the car buyer. the original insured must have a document consenting to change of the new policy holder.

Insured can do it by using the policy number and the expire date of the old policy, which is allow insured to transfer the good driver discount from the old car to the new one.

Travel accident insurance can provide 24/7 worldwide coverage covering the following cases:

        1. Loss of life due to an accident

        2. Loss of organs and eyesight

        3. Medical treatment for emergency case which can not be predicted

Travel Accident insurance will cover people whose age from 1 to 85.
Note: depend on the policy the age will be variable differently

Customer can customer the date of coverage but not longer than 180 days

The travel accident insurance covers only death from accident. It will not include medical expenses due to illness except it an emergency case which can not predict to happen before

Travel Accident Insurance does not cover for driving, riding on a motorcycle and being killed or assaulted.

Travel insurance accident have coverage start from 50,000 to 3,000,000 depend on the policy

The coverage of medical fee will noit exceed 10% of sum insured. Insured will get compensate for medical fee base on actual amount and in the case of lump sum coverage will not exceed sum insured.

Yes, Insured need to inform policy number to insurance company in writing. In order to let insurance company making an endorsement. insured will recieved some cash back due to reduction in premium.

If insured want to change any information in insurance policy please prepare policy number and information insured wanted to change and inform to chanel below

1. If customer purchasing though bank please inform the bank officer.

2. If customer purchasing though broker please inform the broker.

3. If customer purchasing though direct chanel please contact company website or click at TIP Chat at bottom right of the website.

Personal Accident Insurance don't need medical check up and insured need to have age between 15 -60 years.

However we still have special type of personal accident insurance policy for children which can be divided to kindergarten, high school and undergraduate student.

It not necessary, insured only have to get treatment from doctor who have medical certification in hospital or medical institute that have medical license.

We do not limited number of accident insured can claim however we do limit the coverage of insurance that it will not exceed sum insure of the policy.

It normal circumstance no you can't. On the other hands, if insured using state welfare or other insurance company insured can claim for the amount that exceed the coverage of the first company policy.

No personal accident insurance will not cover medical treatment from illness. It will cover only medical treatment cause by an accident.

Document need for claim will be

       1. Claim form (can download from company website

       2. citizen id card / civil servant id card / student id card

       3. Medical certification (original one)

       4. Medical reciept (original one)

Sum insure amount will not exceed 10 times of the insured annual income (after deduct from insured spending) or 100 times of insured monthly income. In case of medical treatment for an accident it will be at 10 % of sum insured.

1. Claim form ( Can download or ask from company)

2. Citizen ID card / Government servant id card / or student ID card

3. Medical Certification (original one only)

4. Medical Reciept (original one only)

1. Claim form (can download or ask from company)

2. Death certification

3. Autopsy certification (Document that tell the reason of death)

4. house registration (Both from cover person and beneficial)

5. Citizen ID card (Both from cover person and beneficial)

6. Copy of accident report 

7. Investifation report (In case of murdering)

No.

1. You can call 0-2248-0059 ext.438, 439

2. On the website https://www.tipinsure.com/Renew

3.On TIP Insure Application

4.Fax though 0-2643-2997 and 0-2643-9499

5. Send the proposal document at main office and branches

Yes, company will send you a notification before expiration date about 1 month. In notification insured can will recieve expiration date of the insurance policy

Yes please call 1736 ext. 1

1. Call 1736 ext. 1

2.Online chanel with car garage that partner with us.
Check Garage here : https://www.dhipaya.co.th/th/repairer

3.Dhipaya Head Quater and branches

4.Application : TIP Flash claim

5.TIP Line OA

You can check in the link >> Click <<

By the law you can use it up to 2 years but you should use it within 1 year.Since the longer you keep the damaged that part(s) may oxidize or you may face other accident which is not safe. If possible you should use before it expire atleast 2 months. Since garage need to prepare for claiming and protect you from another incident.  

Yes, you can use other people to recieve the compensation instead of you still it require power of attorney when present. Please read more about other require document >> Click <<

You can contact Dhipaya and return the car to the garage for repairing. However, if the garage confirm that they complete the repairing but customer is not accept the result. Customer can contact Dhipaya to dispatch specialist to investigate the case

When car got damaged company will try to recover the vehicle condition to be the same as before an accident

Company will provide 3 ways to recovery condition

1. Repair
2. Replace
3. Reimbursement

Insurance policy never state that every damage will get the first hand part except the car usage is not over 3 years (excluding part for safety which mostly get the first hand part) or any special case which base on company policy. 

In the case of insured got in an accident or collide with third party. Insured no claim discount will be reduced in any case excluding insured is on the right side and can claim from the third party.

1.Deductible need to pay by insured base on the amount that specify on insurance policy

2.Excess need to pay by insured base on condition of the insurance policy

1. Any damage that not from colliding with something, turn over, or damage by third party that can not identify the negligent (1,000 Baht Excess) 
2. Damage when driver is not the one indentify in the insurance policy (In the case driver is the negligent)
   • In the case damage to the insured vehicle (Excess 6,000 Baht)
   • In the case damage to third party (Excess 2,000 Baht)

1.In the case death person is the driver, compulsary and voluntary insurance policy will pay at the amount base on the policy.

2.In the case death person is the third party both compulsary and voluntary insurance policy will pay to third party at sum insured amount

3.In the case death person in the third party but fall under excluding such as wife and husband, parent, and sprout Compulsary insurance policy will be pay in full amount while voluntary insurance policy will pay only amount base on the policy

Insurer will pay for the replacement and the old part will keep by the insurer.

Please inform to insurance company. We will dispatch specialist to check for the damage to determined the damage and make reciept of claim.

Yes, we cover you under third party coverage in both compulsary and voluntary insurance. The amount of damage will be paid in full but not exceed sum insured.

1. Negligence can pay to the claim service of Dhipaya at the accident scene or at the meeting point

2.In the case negligence is unable to pay the accident scene or meeting point. Negligence can fill up the 

Driver need to pay for medical expense and property damage equal to compulsary insurance coverage first any excess damage will be cover by voluntary damage but not exceed sum insured

In the case car was partially damage which not exceed 70% of coverage insurance will pay for actual ammount

In the case car was totallly damage or partial damage exceed 70% of coverage. Company will be consider to pay at sum insured.

Yes, insured can bring thoer car to dealer garage even insurance policy identify as contracted garage. However, insured need to pay for the different between contracted garage and dealer garage.

Yes, insured can claim for the part that lost but insured need to make a report at the police station that the part was lost due to crime which can including burglary, robbery, plundering, or embezzlement.

1.Compulsory insurance will always cover even driver do not have driving license

2.In case driver is negligence insurer will not cover for the damage of the driver but insurer will cover for damage to the third party.

3.In the case driver is not negligence insurance will cover for the damage.

In the case the install part is the vehicle standard part from factory or dealer. Insured can claim without noticing insurance company about installation.

On the other hand if install part is not factory or dealer standard installation parts. Insured need to buy additional coverage for that part in or order to be covered by insurance. otherwise, the install part will not covered by insurance company.

No, you can't except the damage is cause by an accident which insurance will cover for damage coverage and insured can change color of the car. However, extra operation cost need to be paid by insured.

No you can't claim the damage cause by deterioration from the usage

No, Insured can't claim from both health and car insurance due to the medical reciept can only use once. In addition, copy of the reciept will not be accepted.

1.If the accident is occured you can move the car to the roadside but insured should take a picture of the incident both in wide-angle photo and pinpoint photo of the damage and incident. The more photo you take it better since it will help in investigation who are negligence.

2.If you finish all 1st instruction please call insurance company for assistance. Claim specialist will be dispatched to the scene to investigate. Specialist will judge who are negligence base on traffic act.

3.In the case, one or both party don't accept the judement of claim specialist both party will need to go to police station in the area for further investigation or continue to proceed on the case

4.If both party have an 1st class car insurance and acklowedge who are negligence both party can fill in knock for knock from then go sepearately.

Travel insurance will cover when you can't  travel for a pre approval reason

Travel accident insurance will cover for death from ilness but it not cover for medical treatment. If you want for health coverage please buy it seperately

Insurance will not cover for any pre-existing condition.

Its depend on the fact. Still company will compensate for insured in case of insured need to cancle the trip after insured got the coverage of the insurance poilicy, if insured pay partialy or full payment for traveling tickets or accomodation cost which is cover in insurance policy already.

No we don't have any partner in foriegn countries. Insured need to pay for reserve payment first then making disbursement with insurance company later.

Tarveling insurance isn't cover for accident while riding or passenging motorcycle or murder or malicious act.

Document that require for claiming in health & accident insurance are:

• A01 Claim Form
• Mdeical reciept
• Document that classified medical expenses (If any)
• Medical Certification (Able to use the copy)
• Copy of citizen ID card or copy of government id card of the insured
• Copy of book bank of the insured

Please submit the document to Dhipaya insurance public company limited 1115 Rama 3 Road Yan Nawa District Nonsi Subdistrict Bankok 10120 (Send to Accident & Health Department 15 floor) 

Documents that require for claim loss of income are :

• A01 Claim form
• Copy of reciept or invoice
• Document that classified medical expenses (If any)
• Medical Certification (Able to use the copy)
• Copy of citizen ID card or copy of government id card of the insured
• Copy of book bank of the insured

Please submit the document to Dhipaya insurance public company limited 1115 Rama 3 Road Yan Nawa District Nonsi Subdistrict Bankok 10120 (Send to Accident & Health Department 15 floor) 
or sending email to [email protected] and set topic to claim for loss of income while hospitalizing

Documents that require for claim for disability are :

• Copy of citizen id card of the insured
• Medical record from the beginning to present
• X-ray film (If any)
• photo of insured
• Medical report for loss of life or disaiblity (A02)
• Attending physicain statement form (A04)
• Copy of book bank (saving account) of the insured
• Copy of police daily report about the accident (Also require certified true copy of police officer) 
• A01 claim form

Note :

• Copy of any document need to be certified true copy
• In the case name or surname of the insured is changed, insured need to submit additional document of name and/or surname change
• In the case insured are not at the legal age yet, company will pay the compensation to parent, or legal guardian 
• In the case of insured is death company will pay to administrator of an estate
• Period of considering payment of the claim will be within 15 days after company recieve all the document

Documents that require for claim for loss of life are :

• Copy of death certification reported by district hall
• Copy of death certification reported by hospital
• Copy of citizen ID card of the decease insured
• Copy of home registration which have stamp "death" on insured page
• Copy of citizen ID card and home registration of the beneficiary
• copy of birth certification, and home registration of the person who are not at legal age and copy of home registration and citizen id card of the parent or legal guardian (in the case of beneficiary is not at legal age yet)
• Passport (In case of beneficiary is foriegner)
• Medical report for loss of life or disaiblity (A02)
• Copy of book bank (saving account) of the beneficiary
• A01 claim form
• Court order to admistrator of the estate in the case insured not specify beneficiary

• Copy of death certification reported by district hall
• Copy of death certification reported by hospital
• Copy of citizen ID card of the decease insured
• Copy of home registration which have stamp "death" on insured page
• Copy of citizen ID card and home registration of the beneficiary
• copy of birth certification, and home registration of the person who are not at legal age and copy of home registration and citizen id card of the parent or legal guardian (in the case of beneficiary is not at legal age yet)
• Passport (In case of beneficiary is foriegner)
• Medical report for loss of life or disaiblity (A02)
• Copy of police report of the case with certified true copy on document
• Copy of autopsy report of the case with certified true copy on document from inquiry official
• Court order to admistrator of the estate in the case insured not specify beneficiary
• Copy of book bank (saving account) of the beneficiary
• A01 claim form
• Other (If any)
  • Autopsy report from institute of forensic medicine / or institute of science
  • Conclusion of the accident case
  • Report of the death from newspapaer
  • Certificate from 3 state department (Department  of provincial administration, Royal Thai army, Royal thai police) of the beneficiary

• Please submit the document to Dhipaya insurance public company limited 1115 Rama 3 Road Yan Nawa District Nonsi Subdistrict Bankok 10120 (Send to Accident & Health Department 15 floor) 
• Sending email to [email protected] and set topic to claim for loss of income while hospitalizing

No, it not require for insurance card when attend to hospital that partner with Dhipaya. You can submit Citizen ID card instead.

Checking for hospital that partner with us >> Click <<

Insured can make reserve payment then send claim form to company (In order to notice the company that company can compensate for insurance claim) 

Yes you can, you can remark when fill in claim form. Company will stamp the amount you already make claim from insurance policy and send it back to the insured.

Insured need to notify the police or making police diary that original medical receipt is lost which specify when, where it lost, number of receipt, name of the insured,name of the hospital, the period of hospitalized, and amount of payment. Insured can submit all the evidence with copy of medical receipt and claim form to insurance company.

In normal circumstance no due to and or mosquito are not consider as poisonous animal that can cause serious injured or having life theathening poison.

ํYes, we cover dental care which cause by accident with in 7 days after accident occured (we cover for dental filling, tooth extraction, and X-ray cost) which will excluding creating dentures, dental bridge, or any artificial tooth.

It depends however in this case insured can not make claim though hospital. Insured need make reserve payment first then send claim form and copy of police dairy report to company to be considered the claim