CheckDi

What CheckDi is

CheckDi is an insurance broker with an online comparison platform, not an insurer. Its about page says: "CheckDi, formerly known as Mister Prakan, is an Insurance Brokerage operating at the heart of South East Asia, with our headquarters based in bustling Bangkok, Thailand." The site footer gives the licenses: "OIC Non-Life Insurance Broker License No. ว00012/2544 | OIC Life Insurance Broker License No. ช00010/2565 | DBD Registration No. 0125541000709," under the company name CHECKDI Ltd., with a registered office at 110/12 Moo 3, Rattanathibet Road, Nonthaburi. (OIC is Thailand's Office of Insurance Commission, which the Thai homepage also cites when it describes its advisers as "ทีมที่ปรึกษาประกันที่ได้รับใบอนุญาตจาก คปภ.", an insurance advisory team licensed by the OIC.)

The about page says CheckDi specializes in "General Insurance solutions tailored for individuals, families, companies, and expatriates within the region," works with "over 40 insurance providers," and "currently operates in Thailand and the Philippines." Health cover is one line among many: the menu runs from car and motorbike insurance to accident, cancer, critical illness, dental, pet and golf insurance. The insurer a buyer picks is the one that issues and pays the policy; CheckDi compares, sells and services it. The international page states "Compare international insurance in one place. Free, no fees."

The international health insurance page

The listing's page is CheckDi's international health insurance comparison. Its headline points are "Up to 5 million USD of coverage," "Guaranteed renewability up to 90 years old," worldwide coverage and "Installment options available," backed by "42+ Partners" and "103,944+ Reviews" with a 4.9 rating. These are headline claims across the plans it compares, not the terms of one policy.

It explains how plans are built. Comprehensive cover means "Inpatient, Outpatient, Dental, Maternity, Vision and Annual Check ups," but "not all insurance companies have comprehensive cover," and "Inpatient is always mandatory." Inpatient "covers you for your hospitalization while you stay in the hospital overnight or more." The quote form marks inpatient as included and offers outpatient, dental, vision and maternity as additions, and asks whether the policy is for an individual or a family, plus gender and age.

The page prints a "Pricing comparison by insurer," labeled "Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote." The ranges are annual premiums in Thai baht. For inpatient-only plans it lists AIA at 8,000–25,000, Allianz Ayudhya at 9,000–28,000, Cigna at 8,500–26,000, LMG Insurance at 8,200–24,000 and Thai Life Insurance at 8,800–25,500. For outpatient plus inpatient, Muang Thai Life at 18,000–45,000, Thai Life Insurance at 19,000–48,000, FWD Life at 20,000–50,000, Cigna at 18,500–47,000 and Bangkok Life Assurance at 19,500–49,000. For comprehensive plans, Pacific Cross Health at 35,000–120,000, Generali at 32,000–110,000, Manulife at 30,000–100,000, Allianz Ayudhya at 33,000–115,000 and Krungthai-AXA Life at 34,000–118,000. The table does not say which age or area of cover these ranges assume.

The FAQ adds general statements about the plans it compares: "Most international health plans offer global coverage, though some exclude certain high-risk countries or your home country"; "most policies have waiting periods for non-emergency treatments, typically 30-90 days for general conditions and longer for maternity"; and claims "can usually be submitted online, via mobile app, or through direct billing arrangements with network providers." The page says international health insurance suits "expatriates, digital nomads, frequent business travelers, and individuals living abroad long-term," and separates it from travel insurance, which "is short-term for trips." Buying runs in three steps: choose a plan, accept and pay, then receive cover.

What an applicant needs

The page lists an "Essential Documents Checklist": "Valid passport and visa documentation," a completed application form with medical history, "Recent medical examination reports (if required)," proof of residence abroad, an employment contract or proof of income, and previous insurance coverage history. The menu also has dedicated pages for health insurance for Thai OA, OX, STV, LTR and DTV visas.

The Thai health insurance guide

CheckDi's Thailand health page, for plans bought and used in Thailand, carries a buyer's guide with more figures, all presented as general market ranges rather than any one policy's terms. It says it compares plans "from 30+ top providers," offers "0% installments up to 10 months," and notes that health premiums are tax deductible in Thailand up to 25,000 baht a year. Its checklist describes typical terms in the Thai market: an inpatient total per year from 500K to unlimited, a deductible (first-loss share) of 20K to 100K, a waiting period of 30 days for general conditions and 120 days for critical illness, and pre-existing conditions not covered. It says premiums "adjust every 5 years" by age band and prints an indicative table for an inpatient plan with a 3,000 baht room: 5,000–12,000 baht a year at ages 18–25, rising to 35,000–80,000 at 56–65 and "60,000–150,000+" at 66 and over. It lists pregnancy and childbirth as needing "a separate rider," and says outpatient cover "adds 30–50% to premiums." To show why cover matters, it lists treatment costs in Thailand, such as appendicitis surgery with a 3-day stay at 80,000–150,000 baht and a week in intensive care at 200,000–500,000 baht. Buying on this page means filling in health information and treatment history, then paying by card, transfer, QR code or 0% installment. The FAQ says most plans "don't require a checkup," but applicants "must disclose your health history truthfully," and older applicants may be asked for more tests. Claims are made cashless at a network hospital or by submitting receipts and a medical certificate. Cashless use means showing the insurance card at a network hospital so "The insurer pays the hospital directly." The same page says CheckDi "works with 40+ insurers that specialize in finding options for applicants with prior conditions."

Contact and service

CheckDi lists a phone line, 02-985-9000, open "09.00-17.00 (Mon-Fri)," and a member area to "Manage policies, redeem points, and buy insurance." The site also runs agent and partner programs and an API for other businesses to sell insurance.

Who it suits

CheckDi fits a foreign resident, expatriate or digital nomad in Thailand, or someone moving there, who wants to compare international or Thai health plans from many named insurers with indicative prices visible before requesting a quote, through an OIC-licensed broker. Its visa-specific pages serve people who need a policy for an OA, OX, STV, LTR or DTV visa. The price ranges are indicative only, and the insurer's own policy sets the final premium, limits, waiting periods and exclusions.