Thailand's Office of Insurance Commission (OIC) provides free arbitration for denied claims. Insurer awards are legally binding — and ClaimBack helps you build the case.
Start My Free Appeal →These are the bodies that protect your rights as a policyholder in Thailand.
Thailand's primary insurance regulator, responsible for supervising all licensed life and non-life insurers. The OIC enforces the Life Insurance Act and Non-Life Insurance Act, and provides an arbitration service for disputed claims.
Visit website →An in-house arbitration body within the OIC. If you and your insurer cannot resolve a dispute, the OIC can assign an arbitration committee to review your claim. The process is free and the award is binding on the insurer.
Visit website →The industry body for non-life (general) insurers in Thailand. TGIA runs consumer education programs and assists with informal complaint resolution for motor, health, and property insurance disputes.
Visit website →Represents life insurance companies in Thailand. TLAA provides a consumer helpline and guidance on the life insurance claims appeals process, including escalation to the OIC.
Visit website →Thai insurance law grants you meaningful rights to dispute denied claims — even as a foreigner or expat living in Thailand.
Under Thailand's Non-Life Insurance Act B.E. 2535, insurers must settle valid claims within the period specified in the policy — typically 15 to 30 days after receiving all required documents. Delays can be reported to the OIC.
You have the right to request a written denial letter with the specific clause(s) and reasons relied upon. If your insurer provides only a verbal denial, you can demand written confirmation before proceeding.
The OIC Arbitration Committee offers free claim dispute resolution. To initiate, you submit a petition to the OIC with your policy, denial letter, and supporting documents. The process typically completes within 90 days.
OIC arbitration awards are binding on insurers under Thai law. Insurers that refuse to comply face license suspension or revocation. Consumers retain the right to pursue civil litigation separately.
In-depth articles to help you navigate your Thailand insurance dispute.
Krungthai-AXA or AXA Thailand denied your health insurance claim? Here's how to appeal through AXA and the OIC.
Read guide →BUPA Thailand denied your health insurance claim? BUPA operates both Thai domestic and international health plans in Thailand. Here's how to appeal.
Read guide →Cigna denied your health insurance claim in Thailand? Cigna is one of the largest international health insurers in Thailand. Here's how to appeal.
Read guide →Health insurance denied in Chiang Mai? Whether expat international coverage or Thai insurer, here's how to appeal your denied claim.
Read guide →Insurance claim denied in Pattaya? Whether for expat health, travel, or Thai local insurance, here's how to appeal.
Read guide →Insurance claim denied at a Phuket hospital? Expat and travel health insurance denials in Phuket are common. Here's how to fight back.
Read guide →Pacific Cross Thailand denied your expat or international health insurance claim? Here's how to challenge the denial.
Read guide →Complete guide for expats in Thailand whose health insurance claim was denied — covering Thai local plans, IPMI, and the OIC complaints process.
Read guide →Thailand insurer denied your claim as pre-existing? Whether Thai or international health insurance, pre-existing exclusions are often too broadly applied. Here's how to appeal.
Read guide →Your travel or expat insurer denied medical evacuation coverage in Thailand? Evacuation claim denials are among the most contested. Here's how to fight back.
Read guide →Guide to NHSO 30-Baht Universal Coverage Scheme disputes in Thailand — covering eligible treatments, hospital hopping penalties, UC card issues, and how to complain via NHSO hotline 1330.
Read guide →Complete guide to the Thailand Office of Insurance Commission (OIC) complaint process — including types of complaints, mediation, 30-day resolution, AXA, Allianz Ayudhya, and BUPA Thailand.
Read guide →Guide to appealing denied Thailand Social Security Fund (SSF) health insurance claims — covering SSO, employer contribution disputes, hospital panel restrictions, and Area Social Security Office appeals.
Read guide →Travel insurance claim denied in Thailand? Learn how OIC, AXA Thailand, Pacific Cross, BUPA Thailand handle denials — and how to appeal.
Read guide →Private health insurance denied in Bangkok, Thailand? Know your rights under the OIC and how to appeal your denied claim as an expat or retiree.
Read guide →Thailand expat health insurance denial guide. Covers OIC oversight, international health insurance vs Thai Bupa and AXA, Social Security Fund vs private plans, and the formal appeal process for denied claims.
Read guide →Health or life insurance claim denied in Thailand? Learn your rights under the Office of Insurance Commission (OIC) and how to appeal a Thai insurance denial. Free guide.
Read guide →Thailand private health insurance claim denied? Learn how to appeal to your insurer and file a complaint with the Office of Insurance Commission (OIC) Thailand.
Read guide →If your health insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your life insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your disability insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your property and home insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your auto insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your travel insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your dental insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your mental health insurance claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →If your workers' compensation claim was denied in Thailand, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how Office of Insurance Commission (OIC) protects you.
Read guide →Allianz Ayudhya denied your claim in Thailand? Learn common denial reasons, the formal appeal process, and how to escalate to the OIC (Office of Insurance Commission).
Read guide →Learn how to appeal a denied claim from AIA Thailand in Thailand. Step-by-step guide to their complaints process and the relevant financial regulator.
Read guide →Had your insurance claim denied in Thailand? Learn how to file a complaint with the Office of Insurance Commission (OIC), understand your rights under Thai insurance law, and appeal effectively to get your claim paid.
Read guide →Guide to appealing an AIA Thailand health or life insurance claim denial, including OIC complaints, Thai regulatory rights, and appeal strategies.
Read guide →Guide to appealing a Pacific Cross health insurance claim denial in Thailand, including OIC complaints, Thai insurance law, and appeal strategies.
Read guide →Start your free appeal — ClaimBack knows Thailand's OIC process and insurance regulations inside and out.
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