ื“ืœื’ ืœืชื•ื›ืŸ ื”ืจืืฉื™
ืžื—ื™ืจื•ืŸ 2026

ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืฆื“ ื’

ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืขื•ืœื” 350-1,200 ืฉ"ื— ื‘ืฉื ื” ื‘-2026, ืชืœื•ื™ ื‘ื—ื‘ืจืช ื”ื‘ื™ื˜ื•ื— ื•ืคืจื•ืคื™ืœ ื”ื ื”ื’. ื ื”ื’ ืžื ื•ืกื” ื™ืฉืœื 400-650 ืฉ"ื—, ื‘ืขื•ื“ ื ื”ื’ ืฆืขื™ืจ ื™ื’ื™ืข ืœ-1,200 ืฉ"ื—. ื‘ืขืžื•ื“ ื–ื”: ืžื—ื™ืจื•ืŸ ืžืœื ืœืคื™ 8 ื—ื‘ืจื•ืช ืžื•ื‘ื™ืœื•ืช, ื’ื•ืจืžื™ ื”ืžื—ื™ืจ ื•ื”ื“ืจื›ื™ื ืœื—ืกื•ืš.

ื”ืฉื•ื•ืืช ืžื—ื™ืจื™ื ื—ื™ื ื
350-1,200 ืฉ"ื—
ื˜ื•ื•ื— ืžื—ื™ืจื™ื ืฉื ืชื™
575 ืฉ"ื—
ื”ื›ื™ ื–ื•ืœ (ื‘ื™ื˜ื•ื— ื™ืฉื™ืจ)
ืขื“ 35%
ื—ื™ืกื›ื•ืŸ ื‘ื”ืฉื•ื•ืื”

ืžื—ื™ืจื•ืŸ ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืœืคื™ ื—ื‘ืจื” (2026)

ืžื—ื™ืจื™ื ื‘ืฉ"ื— ืœืฉื ื” | ื ื”ื’ ืžื ื•ืกื” (30+) | ืจื›ื‘ ืžืฉืคื—ืชื™ ืžืžื•ืฆืข

ื—ื‘ืจืช ื‘ื™ื˜ื•ื— ืžื—ื™ืจ ืžื™ื ื™ืžืœื™ ืžื—ื™ืจ ืžืงืกื™ืžืœื™ ืžืžื•ืฆืข ื”ืขืจื•ืช
ื”ืจืืœ 420 ืฉ"ื— 950 ืฉ"ื— 680 ืฉ"ื— ืฉื™ืจื•ืช ืชื‘ื™ืขื•ืช ืžื”ื™ืจ
ืžื’ื“ืœ 450 ืฉ"ื— 1,000 ืฉ"ื— 720 ืฉ"ื— ื•ืชื™ืงื” ื•ืžื•ื›ืจืช
ื”ืคื ื™ืงืก 400 ืฉ"ื— 900 ืฉ"ื— 650 ืฉ"ื— ืžื—ื™ืจื™ื ืชื—ืจื•ืชื™ื™ื
ื›ืœืœ ื‘ื™ื˜ื•ื— 380 ืฉ"ื— 880 ืฉ"ื— 630 ืฉ"ื— ื•ืชืง ื‘ืฉื•ืง
ืžื ื•ืจื” ืžื‘ื˜ื—ื™ื 410 ืฉ"ื— 920 ืฉ"ื— 660 ืฉ"ื— ืฉื™ืจื•ืช ืืžื™ืŸ
ืื™ื™ืœื•ืŸ 370 ืฉ"ื— 850 ืฉ"ื— 610 ืฉ"ื— ืžื—ื™ืจ ื ืžื•ืš ืœื ื”ื’ื™ื ืžื ื•ืกื™ื
ื‘ื™ื˜ื•ื— ื™ืฉื™ืจ 350 ืฉ"ื— 800 ืฉ"ื— 575 ืฉ"ื— ื™ืฉื™ืจ ืœืœื ืกื•ื›ืŸ, ื”ื›ื™ ื–ื•ืœ
AIG 390 ืฉ"ื— 890 ืฉ"ื— 640 ืฉ"ื— ื—ื•ื–ืงื” ื‘ื›ื™ืกื•ื™ ืžื•ืจื—ื‘

* ื”ืžื—ื™ืจื™ื ื”ื ื”ืขืจื›ื” ืขืœ ื‘ืกื™ืก ื ืชื•ื ื™ ืฉื•ืง 2026. ื”ืžื—ื™ืจ ื‘ืคื•ืขืœ ืชืœื•ื™ ื‘ืคืจื•ืคื™ืœ ื”ืื™ืฉื™.

ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืœืคื™ ืคืจื•ืคื™ืœ ื ื”ื’

ื”ืคืจื•ืคื™ืœ ืฉืœืš ืžืฉืคื™ืข ืžืฉืžืขื•ืชื™ืช ืขืœ ืžื—ื™ืจ ื”ืคื•ืœื™ืกื”

ื ื”ื’ ืžื ื•ืกื” (30-50, ื•ืชืง 5+)

ื ืžื•ืš
350-600 ืฉ"ื—
ื˜ื™ืค ืœื—ื™ืกื›ื•ืŸ: ื”ื ื—ืช NCD

ื ื”ื’ ื—ื“ืฉ (ื•ืชืง ืขื“ 2 ืฉื ื™ื)

ื’ื‘ื•ื”
650-1,000 ืฉ"ื—
ื˜ื™ืค ืœื—ื™ืกื›ื•ืŸ: ืงื•ืจืก ื‘ื˜ื™ื—ื•ืช

ื ื”ื’ ืฆืขื™ืจ (17-24)

ื’ื‘ื•ื” ืžืื•ื“
700-1,200 ืฉ"ื—
ื˜ื™ืค ืœื—ื™ืกื›ื•ืŸ: ื ื”ื™ื’ื” ืžืœื•ื•ื”

ื ื”ื’ ืžื‘ื•ื’ืจ (65+)

ื‘ื™ื ื•ื ื™
450-750 ืฉ"ื—
ื˜ื™ืค ืœื—ื™ืกื›ื•ืŸ: ื‘ื“ื™ืงืช ื•ืชืง

ืžื” ืžืฉืคื™ืข ืขืœ ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืฆื“ ื’?

ื’ื‘ื•ื” ืžืื•ื“

ื’ื™ืœ ื”ื ื”ื’

ื ื”ื’ื™ื ืขื“ ื’ื™ืœ 24 ืžืฉืœืžื™ื 50-100% ื™ื•ืชืจ ืžื ื”ื’ื™ื ื‘ื’ื™ืœ 30+

ื’ื‘ื•ื”

ื”ื™ืกื˜ื•ืจื™ื™ืช ืชื‘ื™ืขื•ืช

ืชื‘ื™ืขื” ืื—ืช ื‘ืฉืœื•ืฉ ืฉื ื™ื ื”ืื—ืจื•ื ื•ืช ืžืขืœื” ืžื—ื™ืจ ื‘-30-50%

ื‘ื™ื ื•ื ื™

ืื–ื•ืจ ืžื’ื•ืจื™ื

ืžืจื›ื– ื”ืืจืฅ ื™ืงืจ ื‘-10-15% ืžื”ืคืจื™ืคืจื™ื” ื‘ืฉืœ ืชืื•ื ื•ืช ืชื›ื•ืคื•ืช ื™ื•ืชืจ

ื‘ื™ื ื•ื ื™

ืกื•ื’ ื”ืจื›ื‘

ืจื›ื‘ื™ ื™ื•ืงืจื” ื•ื‘ืขืœื™ ืขืจืš ื’ื‘ื•ื” ืžื—ื™ื™ื‘ื™ื ืคืจืžื™ื” ื’ื‘ื•ื”ื” ื™ื•ืชืจ

ื’ื‘ื•ื”

ื•ืชืง ื ื”ื™ื’ื”

ื›ืœ ืฉื ืช ื•ืชืง ืžืคื—ื™ืชื” ืืช ื”ืคืจืžื™ื” ื‘-5-8% ืขื“ ืœืชืงืจื”

ื‘ื™ื ื•ื ื™

ื’ื•ื‘ื” ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช

ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช ื’ื‘ื•ื”ื” ืž-1,500 ืœ-3,000 ืฉ"ื— ื—ื•ืกื›ืช 10-20%

ืื™ืš ืœื—ืกื•ืš ื‘ื‘ื™ื˜ื•ื— ืฆื“ ื’?

1
ื—ื™ืกื›ื•ืŸ: 15-35%

ื”ืฉื•ื•ืืช ืžื—ื™ืจื™ื

ื”ืคืขืจื™ื ื‘ื™ืŸ ื—ื‘ืจื•ืช ื™ื›ื•ืœื™ื ืœื”ื’ื™ืข ืœ-35% ืขืœ ืื•ืชื• ื›ื™ืกื•ื™. ืชืžื™ื“ ืงื‘ืœ 3+ ื”ืฆืขื•ืช.

2
ื—ื™ืกื›ื•ืŸ: 5-20%

ื‘ืงืฉืช ื”ื ื—ืช NCD

ืฉื ื™ื ืœืœื ืชื‘ื™ืขื•ืช = ื”ื ื—ืช ื”ื™ืขื“ืจ ืชื‘ื™ืขื•ืช. ื‘ืงืฉ ืื•ืชื” ื‘ืžืคื•ืจืฉ ื‘ืขืช ื—ื™ื“ื•ืฉ.

3
ื—ื™ืกื›ื•ืŸ: 10-20%

ื”ืขืœืืช ื”ืฉืชืชืคื•ืช ืขืฆืžื™ืช

ืื ื™ืฉ ืœืš ืจื–ืจื‘ื” ื›ืกืคื™ืช, ื”ืขืœืืช ื”-Excess ื—ื•ืกื›ืช ื‘ืคืจืžื™ื” ื”ืฉื ืชื™ืช.

4
ื—ื™ืกื›ื•ืŸ: 5-15%

ืฉื™ืœื•ื‘ ืขื ื‘ื™ื˜ื•ื— ืžืงื™ืฃ

ืงื ื” ืฆื“ ื’ ื›ื”ืจื—ื‘ื” ืœืคื•ืœื™ืกืช ืžืงื™ืฃ ืื• ืฉืœื‘ ืขื ื‘ื™ื˜ื•ื— ื“ื™ืจื” ื‘ืื•ืชื” ื—ื‘ืจื”.

ืฉืืœื•ืช ื ืคื•ืฆื•ืช ืขืœ ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืฆื“ ื’

ื›ืžื” ืขื•ืœื” ื‘ื™ื˜ื•ื— ืฆื“ ื’ ื‘-2026?
ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืขื•ืœื” ื‘ื™ืŸ 350-1,200 ืฉ"ื— ื‘ืฉื ื” ื‘-2026. ื ื”ื’ ืžื ื•ืกื” ื™ืฉืœื 400-650 ืฉ"ื—, ื‘ืขื•ื“ ื ื”ื’ ืฆืขื™ืจ (17-24) ืขืฉื•ื™ ืœืฉืœื 700-1,200 ืฉ"ื—. ื”ืžื—ื™ืจ ืชืœื•ื™ ื‘ื—ื‘ืจื”, ื’ื™ืœ ื”ื ื”ื’, ื•ืชืง ื ื”ื™ื’ื”, ื”ื™ืกื˜ื•ืจื™ื™ืช ืชื‘ื™ืขื•ืช ื•ืื–ื•ืจ ืžื’ื•ืจื™ื.

ืžื” ื”ื”ื‘ื“ืœ ื‘ื™ืŸ ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืœื‘ื™ื˜ื•ื— ืžืงื™ืฃ?
ื‘ื™ื˜ื•ื— ืฆื“ ื’ ืžื›ืกื” ื ื–ืงื™ื ืฉื’ืจืžืช ืœืจื›ื‘/ืจื›ื•ืฉ ืฉืœ ืื—ืจื™ื ื‘ืœื‘ื“ - ื”ืจื›ื‘ ืฉืœืš ืœื ืžื›ื•ืกื”. ื‘ื™ื˜ื•ื— ืžืงื™ืฃ ืžื›ืกื” ื’ื ื ื–ืงื™ื ืœืจื›ื‘ ืฉืœืš (ื’ื ื™ื‘ื”, ืชืื•ื ื”, ืฉืจื™ืคื” ื•ื›ื“'). ืฆื“ ื’ ืขื•ืœื” ืคื—ื•ืช (350-1,200 ืฉ"ื—) ืœืขื•ืžืช ืžืงื™ืฃ (2,300-8,000 ืฉ"ื—).

ืžืชื™ ื›ื“ืื™ ืœื”ืกืชืคืง ื‘ื‘ื™ื˜ื•ื— ืฆื“ ื’?
ื›ืœืœ ืืฆื‘ืข: ื›ืฉืคืจืžื™ื™ืช ื”ืžืงื™ืฃ ืขื•ืœื” ืขืœ 8-10% ืžืฉื•ื•ื™ ื”ืจื›ื‘. ืœื“ื•ื’ืžื”: ืจื›ื‘ ืฉืฉื•ื•ื” 25,000 ืฉ"ื— ื•ืžืงื™ืฃ ืขื•ืœื” ืžืขืœ 2,500 ืฉ"ื— - ืขื“ื™ืฃ ืœืขื‘ื•ืจ ืœืฆื“ ื’. ื‘ื“ืจืš ื›ืœืœ ืžื“ื•ื‘ืจ ื‘ืจื›ื‘ื™ื ืžืขืœ ื’ื™ืœ 7-8 ืฉื ื™ื.

ื”ืื ืฆื“ ื’ ื—ื•ื‘ื” ื‘ื™ืฉืจืืœ?
ืœื. ื‘ื™ื˜ื•ื— ืฆื“ ื’ ื”ื•ื ื‘ื™ื˜ื•ื— ืจืฉื•ืช - ืœื ื—ื•ื‘ื” ืœืคื™ ื—ื•ืง. ื‘ื™ื˜ื•ื— ื—ื•ื‘ื” (MTPL) ืœื ืคื’ืขื™ ื’ื•ืฃ ื”ื•ื ื”ื—ื•ื‘ื” ื”ื—ื•ืงื™ืช. ืขื ื–ืืช, ื ื”ื™ื’ื” ื‘ืœื™ ืฆื“ ื’ ื”ื™ื ืกื™ื›ื•ืŸ ื’ื“ื•ืœ - ื ื–ืง ืœืจื›ื‘ ื™ืงืจ ืฉืœ ืื—ืจื™ื ืขืœื•ืœ ืœืขืœื•ืช ืขืฉืจื•ืช ืืœืคื™ ืฉืงืœื™ื.

ืžื” ืžื›ื•ืกื” ื‘ืฆื“ ื’ ื•ืžื” ืœื?
ืžื›ื•ืกื”: ื ื–ืง ืœืจื›ื‘ ืฉืœ ืื—ืจื™ื, ื ื–ืง ืœืจื›ื•ืฉ (ื’ื“ืจ, ื—ื ื•ืช, ืขืžื•ื“ ื—ืฉืžืœ), ืื—ืจื™ื•ืช ืื–ืจื—ื™ืช ืขื“ ืœืชืงืจื” ื”ืคื•ืœื™ืกื”. ืœื ืžื›ื•ืกื”: ื ื–ืงื™ ื’ื•ืฃ (ืžื›ื•ืกื” ื‘ื‘ื™ื˜ื•ื— ื—ื•ื‘ื”), ื ื–ืง ืœืจื›ื‘ ืฉืœืš, ื’ื ื™ื‘ื”, ืฉืจื™ืคื”, ื ื–ืงื™ ื˜ื‘ืข.

ื“ืคื™ื ืงืฉื•ืจื™ื

ื‘ื™ื˜ื•ื— ืฆื“ ื’ - ืžื“ืจื™ืš ืžืœื

ื›ืœ ืžื” ืฉืฆืจื™ืš ืœื“ืขืช

ื”ืฉื•ื•ืืช ื‘ื™ื˜ื•ื— ืจื›ื‘

ื›ืœ ื”ื—ื‘ืจื•ืช ื‘ืžืงื•ื ืื—ื“

ืžื—ื™ืจ ื‘ื™ื˜ื•ื— ืจื›ื‘

ืžืงื™ืฃ, ื—ื•ื‘ื” ื•ืฆื“ ื’

ื‘ื™ื˜ื•ื— ืฆื“ ื’ ื”ื›ื™ ื–ื•ืœ

ื”ืžืœืฆื•ืช 2026

ืจื•ืฆื” ืœื“ืขืช ื›ืžื” ืชืฉืœื ืขืœ ื‘ื™ื˜ื•ื— ืฆื“ ื’?

ื”ืฉื•ื•ื” ืžื—ื™ืจื™ื ืžื›ืœ ื—ื‘ืจื•ืช ื”ื‘ื™ื˜ื•ื— ื•ื—ืกื•ืš ืขื“ 35%

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