My First Class Ultra — Platinum ฿80M
Premium, near-comprehensive protection with a very high annual limit, a private room and international coverage options — top-class care with minimal restrictions.
Designed for expats who want the reassurance of high limits and a private room, and who may travel or seek treatment internationally. A strong choice if comprehensive, worry-light coverage matters more than price.
Benefits
- ฿80M annual limit for substantial protection against major medical costs
- As-charged in-patient care with very high or no sub-limits on core treatment
- Private room as standard for greater comfort during a stay
- Use any hospital in Thailand, with international coverage options available
- Direct billing at 226+ hospitals for smoother, cashless admissions
- Open to new applicants aged 11–70 and renewable to high ages
Things to know
- Requires the main My Whole Life A99/20 (with dividend) contract at the minimum coverage for your age — which also builds some cash value over time
- Premiums are higher than the Double Care tiers, reflecting the broader, higher-limit coverage
- OPD (out-patient) cover, where offered, is arranged as an add-on to tailor the plan
- More coverage than many people strictly need — best matched to those who value high limits and international options
How to plan better
- Add OPD if you see doctors often, so everyday care matches your strong in-patient cover
- Choose this tier if you travel or want international treatment options on the table
- Apply while younger to lock in a lower age band on a premium plan
- Ask about deductible options to help manage the premium on this higher tier
Real rates by age
Indicative all-in annual premium (this plan + the minimum required main contract). Your exact figure depends on health declaration and options.
| Age | Male · all-in / yr | Female · all-in / yr |
|---|---|---|
| 20 | ฿40,531 | ฿41,188 |
| 25 | ฿41,131 | ฿45,809 |
| 30 | ฿47,621 | ฿55,869 |
| 35 | ฿50,942 | ฿60,217 |
| 40 | ฿52,092 | ฿63,843 |
| 45 | ฿54,193 | ฿65,428 |
| 50 | ฿60,011 | ฿72,288 |
| 55 | ฿74,832 | ฿74,998 |
| 60 | ฿90,817 | ฿88,273 |
| 65 | ฿127,806 | ฿115,046 |
| 70 | ฿183,121 | ฿159,466 |
All-in annual premium = this health plan + the minimum required Whole Life A99/20 main contract, for a standard-occupation healthy applicant. Excludes optional OPD and other riders. Final premium confirmed after underwriting. WhatsApp us for your exact figure.
A lot to take in? Just ask us.
You don't have to decide alone. Tell us about you and we'll walk you through whether First Class Ultra ฿80M is the right fit — on whichever channel you prefer.