TL;DR:For cars: 3,000–5,000 THB is a practical deductible; motorcycles 1,000–3,000 THB. For health, choose <10,000 THB if you expect frequent claims; otherwise higher to cut premiums.
motor or private health), a smart level balances premium savings against what you can comfortably pay after a loss. For private car insurance most expats choose a deductible of 3,000–5,000 THB: it materially lowers premiums but keeps out-of-pocket manageable for typical repairs. For motorcycles 1,000–3,000 THB is common. Compulsory third‑party (Por Ror Bor) usually has no deductible. For private health plans, straight cash deductibles are less common; if offered, pick a low deductible (<10,000 THB) if you expect recurring care or hospitalisation, otherwise a higher deductible reduces premium. Always check policy wording for per‑claim vs annual excess, named‑driver clauses, and how deductibles apply to third‑party vs at‑fault claims. For exact ranges and tax rules on health premiums, consult official insurer pages and Thai Revenue Dept. sources such as insurer FAQs and PwC Thailand tax guides.
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