Mr.Anutin Charnvirakul, Prime Minister, announces the “Disaster Insurance Policy for the People,” Enhancing Disaster Preparedness from “Post-Disaster Relief” to “Proactive Risk Management”

The government is moving forward with a disaster insurance system to provide protection for more than 30 million households against three major types of disasters: floods, storms, and earthquakes. Coverage will begin from 1 October 2026 to 1 October 2027, with the insurance renewed annually.

 

– Housing coverage of up to 100,000 baht per occurrence per household

– Flooding: Initial compensation of 10,000 baht + additional compensation of up to 90,000 baht

– Storm: Initial compensation of 5,000 baht + additional compensation of up to 95,000 baht

– Earthquake: Initial compensation of 5,000 baht + additional compensation of up to 95,000 baht

– Surrounding Floodwater: If residents are unable to live normally due to surrounding floodwater for more than 7 consecutive days, compensation of 10,000 baht per occurrence per household will be provided

Accidental death coverage of 2,000,000 baht per person

 

This policy represents a shift in the country’s disaster management approach—from waiting to provide assistance after a disaster occurs to proactive and systematic risk management. The aim is to ensure that people have clear protection, can access claims quickly and fairly, and receive support to repair their homes and restore their livelihoods as soon as possible.

 

The Prime Minister has called on provincial and district authorities, as well as local administrative organizations, to thoroughly study the insurance policy conditions and communicate the details clearly to the public, ensuring that everyone can fully access their rights and benefits.

He also emphasized that protecting the lives and property of the people is a key

priority, and no member of the public will be left behind.

 

Source: Department of Disaster Prevention and Mitigation (DDPM)