{"id":269,"date":"2023-09-12T09:43:44","date_gmt":"2023-09-12T02:43:44","guid":{"rendered":"https:\/\/www.thailawonline.com\/insurance-in-thailand\/"},"modified":"2026-11-02T00:29:13","modified_gmt":"2026-11-01T17:29:13","slug":"insurance-in-thailand","status":"publish","type":"page","link":"https:\/\/www.thailawonline.com\/th\/insurance-in-thailand\/","title":{"rendered":"\u0e27\u0e34\u0e18\u0e35\u0e40\u0e25\u0e37\u0e2d\u0e01\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e17\u0e35\u0e48\u0e40\u0e2b\u0e21\u0e32\u0e30\u0e2a\u0e21\u0e43\u0e19\u0e1b\u0e23\u0e30\u0e40\u0e17\u0e28\u0e44\u0e17\u0e22"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">It is essential to ensure that you have the necessary insurance coverage to protect yourself and your loved ones in case of unforeseen events. But how to choose the right insurance in Thailand? This comprehensive guide will provide you with an overview of insurance policies in Thailand and help you choose the right insurance that suits your needs.<\/p>\n\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img alt=\"Insurance policy and family home model\" class=\"wp-image-16075 tlo-responsive-img\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.thailawonline.com\/wp-content\/uploads\/2026\/11\/insurance-thailand.webp\" style=\"width:400px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li class=\"\"><a href=\"#1-health-insurance-in-thailand\">1. Health Insurance in Thailand<\/a><\/li><li class=\"\"><a href=\"#2-life-insurance-in-thailand\">2. Life Insurance in Thailand<\/a><\/li><li class=\"\"><a href=\"#3-vehicle-insurance-in-thailand\">3. Vehicle Insurance in Thailand<\/a><\/li><li class=\"\"><a href=\"#4-property-insurance-in-thailand\">4. Property Insurance in Thailand<\/a><\/li><li class=\"\"><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-health-insurance-in-thailand\">1. Health Insurance in Thailand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most crucial insurance policies for expatriates living in Thailand is <a href=\"https:\/\/www.thailawonline.com\/health-insurance-in-thailand\/\">health insurance<\/a>. Thailand&#8217;s universal coverage scheme serves Thai nationals. A foreigner employed in Thailand and insured under <a href=\"https:\/\/www.thailawonline.com\/glossary\/social-security\/\">social security<\/a> receives medical care through that fund; otherwise you pay hospital fees yourself, public or private. Private health insurance therefore matters, to cover medical expenses, including doctor visits, hospitalization, surgeries, and emergency treatments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When choosing health insurance in Thailand, consider the following factors:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Network Coverage: Check if the insurance provider has a wide network of hospitals and clinics across Thailand, especially in the area where you reside.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Benefits and Coverage: Review the policy to understand what is covered and what is excluded. Look for coverage for pre-existing conditions, maternity care, dental care, and prescription medications.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Claim Process: Understand the claim process and whether the insurance provider offers cashless settlement or reimbursement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Premiums: Compare premiums from different insurance providers and ensure that it fits within your budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exclusions and Limitations: Pay attention to the exclusions and limitations of the policy, such as waiting periods, deductibles, and maximum coverage limits. One of the cheapest Thai legal plan is with <a href=\"https:\/\/www.thaihealth.co.th\/en\/home-english\/\" rel=\"noopener\" target=\"_blank\">Thaihealth.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-life-insurance-in-thailand\">2. Life Insurance in Thailand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Life insurance is another important policy to consider, especially if you have dependents or financial obligations. Life insurance provides financial security to your family or beneficiaries in the event of your untimely demise. It can help cover funeral expenses, income replacement, outstanding debts, and future financial needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When selecting life insurance in Thailand:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Death Benefit: Determine the amount of coverage you need to ensure your family\u2019s financial stability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Policy Term: Choose the policy term that aligns with your financial goals. Options may include a fixed term, whole life, or investment-linked policies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Riders: Consider additional riders such as critical illness, disability, or accidental death, depending on your specific needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Premiums and Payment Options: Compare premiums from different insurers and understand the payment options available, such as annual, semi-annual, or monthly payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Policy Exclusions: Review the policy exclusions, such as suicide within a certain period, hazardous activities, or pre-existing health conditions.<\/p>\n\n\n<style data-noptimize=\"1\">.tlo-lb{border:2px solid #1E3455;background:#fff;margin:28px 0;font-size:16px;line-height:1.55;color:#1b1b1b}.tlo-lb h2.tlo-lb-h{background:#1E3455;color:#fff;font-size:19px;line-height:1.3;margin:0;padding:12px 16px}.tlo-lb-tabs{position:relative;padding-top:44px;background:#fff}.tlo-lb-tab>summary{position:absolute;top:0;width:33.334%;height:44px;line-height:44px;text-align:center;font-weight:700;cursor:pointer;list-style:none;background:#eef0f4;color:#1E3455;box-sizing:border-box;border-bottom:3px solid #1E3455}.tlo-lb-tab>summary::-webkit-details-marker{display:none}.tlo-lb-tab:nth-of-type(1)>summary{left:0}.tlo-lb-tab:nth-of-type(2)>summary{left:33.333%}.tlo-lb-tab:nth-of-type(3)>summary{left:66.666%}.tlo-lb-tab[open]>summary{background:#fff;border-bottom-color:#FECB01}.tlo-lb summary:focus-visible,.tlo-lb a:focus-visible{outline:3px solid #FECB01;outline-offset:-3px}.tlo-lb-sec{padding:14px 16px;border-bottom:1px solid #dfe2e8}.tlo-lb-sec h3{font-size:17px;line-height:1.35;margin:0 0 4px;color:#1E3455}.tlo-lb-sec h3 small{font-weight:400;color:#555;font-size:14px}.tlo-lb-sec p{margin:0 0 8px}.tlo-lb-text{white-space:pre-line;border-left:3px solid #FECB01;padding-left:12px;margin:0 0 6px}.tlo-lb-note{font-size:13px;color:#555;font-style:italic}.tlo-lb-badge{display:inline-block;background:#FECB01;color:#1E3455;font-size:12px;font-weight:700;padding:1px 7px;margin-left:6px}.tlo-lb-fold{margin:0 0 8px}.tlo-lb-fold>summary{cursor:pointer;color:#1E3455;font-size:14px;font-weight:700;margin-bottom:6px}.tlo-lb-links a{margin-right:14px;font-size:14px}.tlo-lb-cases,.tlo-lb-src{padding:14px 16px;background:#f6f7f9;border-top:1px solid #dfe2e8}.tlo-lb-cases h3,.tlo-lb-src h3{font-size:15px;margin:0 0 6px;color:#1E3455}.tlo-lb-cases ul,.tlo-lb-src ul{margin:0;padding:0 0 0 18px;font-size:14px}.tlo-al{font-size:14px;line-height:1.5;color:#444;margin:0 0 18px}.tlo-al details{margin-top:4px}.tlo-al summary{cursor:pointer;color:#1E3455}.tlo-al ul{margin:6px 0 0 18px;padding:0}@media print{.tlo-lb{border:1px solid #000}.tlo-lb-tabs{padding-top:0}.tlo-lb-tab>summary{position:static;width:auto;height:auto;line-height:1.4;text-align:left;background:none;border:0}.tlo-lb details::details-content{content-visibility:visible;display:block}.tlo-lb-links a{color:#000}}<\/style><script data-noptimize=\"1\" data-no-optimize=\"1\">document.addEventListener(\"DOMContentLoaded\",function(){(function(){var b=document.querySelectorAll(\".tlo-lb-tabs\");b.forEach(function(g){var t=g.querySelectorAll(\":scope>details\");t.forEach(function(d){d.firstElementChild.addEventListener(\"click\",function(e){if(d.open){e.preventDefault()}})})});var s=[];addEventListener(\"beforeprint\",function(){s=[];document.querySelectorAll(\".tlo-lb details\").forEach(function(d){s.push([d,d.open,d.getAttribute(\"name\")]);d.removeAttribute(\"name\");d.open=true})});addEventListener(\"afterprint\",function(){s.forEach(function(x){x[0].open=x[1];if(x[2]){x[0].setAttribute(\"name\",x[2])}})})})();});<\/script><section class=\"tlo-lb notranslate\" data-no-translation data-no-dynamic-translation translate=\"no\" aria-label=\"\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e17\u0e35\u0e48\u0e40\u0e01\u0e35\u0e48\u0e22\u0e27\u0e02\u0e49\u0e2d\u0e07\u0e01\u0e31\u0e1a\u0e2b\u0e19\u0e49\u0e32\u0e19\u0e35\u0e49\"><h2 class=\"tlo-lb-h\">\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e17\u0e35\u0e48\u0e40\u0e01\u0e35\u0e48\u0e22\u0e27\u0e02\u0e49\u0e2d\u0e07\u0e01\u0e31\u0e1a\u0e2b\u0e19\u0e49\u0e32\u0e19\u0e35\u0e49<\/h2><div class=\"tlo-lb-tabs\"><details class=\"tlo-lb-tab\" name=\"tlo-lb-1\" lang=\"en\" data-no-translation><summary>English<\/summary><div class=\"tlo-lb-sec\"><h3>Section 861<\/h3><p>Insurance, definition.<\/p><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">A contract of insurance is a contract by which one person agrees to pay compensation, or a sum of money, in the event of a loss occurring, or on some other future event specified in the contract, and by which another person agrees to pay a sum of money called the premium.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-861\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 865<\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Where, at the time of making the contract, the insured, or in the case of life insurance the person on whose life or death payment depends, knowingly fails to disclose a fact which would have induced the insurer to demand a higher premium or to refuse the contract, or knowingly makes a false statement of such a fact, the contract is voidable.\n The right to avoid the contract is extinguished if it is not exercised within one month from the day the insurer learns of the ground for avoidance, or within five years from the date of the contract.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-865\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 895<\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Where a sum is payable on the death of a person, the insurer must pay it when that death occurs, except where:\n (1) that person committed suicide voluntarily within one year from the date of the contract; or\n (2) that person was intentionally killed by the beneficiary.\n In case (2) the insurer must pay the surrender value of the policy to the insured or to his heirs.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-895\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 889<\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Under a contract of life insurance, payment of the sum of money depends on the life or death of a person.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-889\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 867<\/h3><p>An insurance contract is not enforceable unless evidenced in writing signed by the party liable or their agent. The insurer must also deliver an insurance policy conforming to the contract.<\/p><details class=\"tlo-lb-fold\"><summary>Full text<\/summary><p class=\"tlo-lb-text\">A contract of insurance cannot be enforced by action unless there is some written evidence of it signed by the party liable or by his agent.\n One copy of an insurance policy, the contents of which conform to the contract, must be delivered to the insured. The policy must be signed by the insurer and must contain the following particulars:\n (1) the subject matter insured; (2) the risks against which the insurer insures; (3) the value of the insurable interest, if fixed; (4) the sum insured; (5) the amount of the premium and the method of payment; (6) where the contract is for a fixed term, the times at which it begins and ends; (7) the name or trade name of the insurer; (8) the name or trade name of the insured; (9) the name of the beneficiary, if any; (10) the date of the contract of insurance; (11) the place and date of the making of the policy.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-867\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 882<\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">No action to recover compensation may be brought after two years from the date of the loss.\n No action to recover payment or repayment of premiums may be brought after two years from the date on which the right to that payment or repayment fell due.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-882\/\">Our annotated section<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 7 <small>Life Insurance Act B.E. 2535<\/small><\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Life insurance business may be carried on only when established in the form of a public limited company under the law on public limited companies and upon obtaining a licence to carry on life insurance business from the Minister with the approval of the Council of Ministers. To apply for a licence to carry on life insurance business under paragraph one, the promoters of the company shall file an application for the licence with the Minister, and once the Minister, with the approval of the Council of Ministers, has considered and approved the carrying on of life insurance business, the promoters shall register the establishment of the public limited company, deposit the security under section 20 and maintain the capital fund under section 27 within six months from the date of registration of the public limited company. When the Minister, having considered the matter, finds that the applicant has complied with paragraph two, the licence shall be issued to the public limited company so established. Where the public limited company is unable to deposit the security or maintain the capital fund within the prescribed period, the approval to carry on life insurance business shall be deemed to lapse. Applications for and the grant of licences shall be in accordance with the rules, procedures and conditions prescribed in Ministerial Regulations, and in granting a licence the Minister may also impose conditions.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QlM0cGhMM3VxVk03NFN0WWF4ekR1UT09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Section 6 <small>Non-Life Insurance Act B.E. 2535<\/small><\/h3><details class=\"tlo-lb-fold\" open><summary>Full text<\/summary><p class=\"tlo-lb-text\">Non-life insurance business may be carried on only when established in the form of a public limited company under the law on public limited companies and upon obtaining a licence to carry on non-life insurance business from the Minister with the approval of the Council of Ministers. To apply for a licence to carry on non-life insurance business under paragraph one, the promoters of the company shall file an application for the licence with the Minister, and once the Minister, with the approval of the Council of Ministers, has considered and approved the carrying on of non-life insurance business, the promoters shall register the establishment of the public limited company, deposit the security under section 19 and maintain the capital fund under section 27 within six months from the date of registration of the public limited company. When the Minister, having considered the matter, finds that the applicant has complied with paragraph two, the licence shall be issued to the public limited company so established. Where the public limited company is unable to deposit the security or maintain the capital fund within the prescribed period, the approval to carry on non-life insurance business shall be deemed to lapse. Applications for and the grant of licences shall be in accordance with the rules, procedures and conditions prescribed in Ministerial Regulations, and in granting a licence the Minister may also impose conditions.<\/p><p class=\"tlo-lb-note\">ThaiLawOnline translation<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QXByQlhBeGxkLzl2c01kdS9xRGhKdz09\" rel=\"noopener\" target=\"_blank\">Official text<\/a><\/p><\/div><\/details><details class=\"tlo-lb-tab\" name=\"tlo-lb-1\" lang=\"th\" data-no-translation open><summary>\u0e44\u0e17\u0e22<\/summary><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 861<\/h3><details class=\"tlo-lb-fold\" open><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e2d\u0e31\u0e19\u0e27\u0e48\u0e32\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e19\u0e31\u0e49\u0e19 \u0e04\u0e37\u0e2d\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e0b\u0e36\u0e48\u0e07\u0e1a\u0e38\u0e04\u0e04\u0e25\u0e04\u0e19\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e15\u0e01\u0e25\u0e07\u0e08\u0e30\u0e43\u0e0a\u0e49\u0e04\u0e48\u0e32\u0e2a\u0e34\u0e19\u0e44\u0e2b\u0e21\u0e17\u0e14\u0e41\u0e17\u0e19 \u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19\u0e08\u0e33\u0e19\u0e27\u0e19\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e43\u0e2b\u0e49\u0e43\u0e19\u0e01\u0e23\u0e13\u0e35\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e2b\u0e32\u0e01\u0e21\u0e35\u0e02\u0e36\u0e49\u0e19 \u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e19\u0e40\u0e2b\u0e15\u0e38\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e2d\u0e37\u0e48\u0e19\u0e43\u0e19\u0e2d\u0e19\u0e32\u0e04\u0e15\u0e14\u0e31\u0e07\u0e44\u0e14\u0e49\u0e23\u0e30\u0e1a\u0e38\u0e44\u0e27\u0e49\u0e43\u0e19\u0e2a\u0e31\u0e0d\u0e0d\u0e32 \u0e41\u0e25\u0e30\u0e43\u0e19\u0e01\u0e32\u0e23\u0e19\u0e35\u0e49\u0e1a\u0e38\u0e04\u0e04\u0e25\u0e2d\u0e35\u0e01\u0e04\u0e19\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e15\u0e01\u0e25\u0e07\u0e08\u0e30\u0e2a\u0e48\u0e07\u0e40\u0e07\u0e34\u0e19\u0e0b\u0e36\u0e48\u0e07\u0e40\u0e23\u0e35\u0e22\u0e01\u0e27\u0e48\u0e32 \u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22<\/p><p class=\"tlo-lb-note\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e08\u0e32\u0e01\u0e10\u0e32\u0e19\u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25\u0e1b\u0e23\u0e30\u0e21\u0e27\u0e25\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32 \u0e42\u0e1b\u0e23\u0e14\u0e15\u0e23\u0e27\u0e08\u0e2a\u0e2d\u0e1a\u0e01\u0e31\u0e1a\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23 (Thai text from our annotated code. Check it against the official text.)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-861\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 865<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e16\u0e49\u0e32\u0e43\u0e19\u0e40\u0e27\u0e25\u0e32\u0e17\u0e33\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e1c\u0e39\u0e49\u0e40\u0e2d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e01\u0e47\u0e14\u0e35 \u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e19\u0e01\u0e23\u0e13\u0e35\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15 \u0e1a\u0e38\u0e04\u0e04\u0e25\u0e2d\u0e31\u0e19\u0e01\u0e32\u0e23\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19\u0e22\u0e48\u0e2d\u0e21\u0e2d\u0e32\u0e28\u0e31\u0e22\u0e04\u0e27\u0e32\u0e21\u0e17\u0e23\u0e07\u0e0a\u0e35\u0e1e\u0e2b\u0e23\u0e37\u0e2d\u0e21\u0e23\u0e13\u0e30\u0e02\u0e2d\u0e07\u0e40\u0e02\u0e32\u0e19\u0e31\u0e49\u0e19\u0e01\u0e47\u0e14\u0e35 \u0e23\u0e39\u0e49\u0e2d\u0e22\u0e39\u0e48\u0e41\u0e25\u0e49\u0e27\u0e25\u0e30\u0e40\u0e27\u0e49\u0e19\u0e40\u0e2a\u0e35\u0e22\u0e44\u0e21\u0e48\u0e40\u0e1b\u0e34\u0e14\u0e40\u0e1c\u0e22\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e08\u0e23\u0e34\u0e07\u0e0b\u0e36\u0e48\u0e07\u0e2d\u0e32\u0e08\u0e08\u0e30\u0e44\u0e14\u0e49\u0e08\u0e39\u0e07\u0e43\u0e08\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e43\u0e2b\u0e49\u0e40\u0e23\u0e35\u0e22\u0e01\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e2a\u0e39\u0e07\u0e02\u0e36\u0e49\u0e19\u0e2d\u0e35\u0e01\u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e2b\u0e49\u0e1a\u0e2d\u0e01\u0e1b\u0e31\u0e14\u0e44\u0e21\u0e48\u0e22\u0e2d\u0e21\u0e17\u0e33\u0e2a\u0e31\u0e0d\u0e0d\u0e32 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\u0e17\u0e48\u0e32\u0e19\u0e27\u0e48\u0e32\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e19\u0e31\u0e49\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e42\u0e21\u0e06\u0e35\u0e22\u0e30\u0e16\u0e49\u0e32\u0e21\u0e34\u0e44\u0e14\u0e49\u0e43\u0e0a\u0e49\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e1a\u0e2d\u0e01\u0e25\u0e49\u0e32\u0e07\u0e20\u0e32\u0e22\u0e43\u0e19\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e40\u0e14\u0e37\u0e2d\u0e19\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e17\u0e23\u0e32\u0e1a\u0e21\u0e39\u0e25\u0e2d\u0e31\u0e19\u0e08\u0e30\u0e1a\u0e2d\u0e01\u0e25\u0e49\u0e32\u0e07\u0e44\u0e14\u0e49\u0e01\u0e47\u0e14\u0e35 \u0e2b\u0e23\u0e37\u0e2d\u0e21\u0e34\u0e44\u0e14\u0e49\u0e43\u0e0a\u0e49\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e19\u0e31\u0e49\u0e19\u0e20\u0e32\u0e22\u0e43\u0e19\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e2b\u0e49\u0e32\u0e1b\u0e35\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e17\u0e33\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e01\u0e47\u0e14\u0e35 \u0e17\u0e48\u0e32\u0e19\u0e27\u0e48\u0e32\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e19\u0e31\u0e49\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2d\u0e31\u0e19\u0e23\u0e30\u0e07\u0e31\u0e1a\u0e2a\u0e34\u0e49\u0e19\u0e44\u0e1b<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-865\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 895<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e43\u0e14\u0e08\u0e30\u0e15\u0e49\u0e2d\u0e07\u0e43\u0e0a\u0e49\u0e08\u0e33\u0e19\u0e27\u0e19\u0e40\u0e07\u0e34\u0e19\u0e43\u0e19\u0e40\u0e2b\u0e15\u0e38\u0e21\u0e23\u0e13\u0e30\u0e02\u0e2d\u0e07\u0e1a\u0e38\u0e04\u0e04\u0e25\u0e04\u0e19\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e04\u0e19\u0e43\u0e14 \u0e17\u0e48\u0e32\u0e19\u0e27\u0e48\u0e32\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e08\u0e33\u0e15\u0e49\u0e2d\u0e07\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19\u0e19\u0e31\u0e49\u0e19\u0e43\u0e19\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e21\u0e23\u0e13\u0e20\u0e31\u0e22\u0e2d\u0e31\u0e19\u0e19\u0e31\u0e49\u0e19\u0e40\u0e01\u0e34\u0e14\u0e02\u0e36\u0e49\u0e19 \u0e40\u0e27\u0e49\u0e19\u0e41\u0e15\u0e48(\u0e51) \u0e1a\u0e38\u0e04\u0e04\u0e25\u0e1c\u0e39\u0e49\u0e19\u0e31\u0e49\u0e19\u0e44\u0e14\u0e49\u0e01\u0e23\u0e30\u0e17\u0e33\u0e2d\u0e31\u0e15\u0e15\u0e27\u0e34\u0e19\u0e34\u0e1a\u0e32\u0e15\u0e14\u0e49\u0e27\u0e22\u0e43\u0e08\u0e2a\u0e21\u0e31\u0e04\u0e23\u0e20\u0e32\u0e22\u0e43\u0e19\u0e1b\u0e35\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e17\u0e33\u0e2a\u0e31\u0e0d\u0e0d\u0e32 \u0e2b\u0e23\u0e37\u0e2d(\u0e52) \u0e1a\u0e38\u0e04\u0e04\u0e25\u0e1c\u0e39\u0e49\u0e19\u0e31\u0e49\u0e19\u0e16\u0e39\u0e01\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e42\u0e22\u0e0a\u0e19\u0e4c\u0e06\u0e48\u0e32\u0e15\u0e32\u0e22\u0e42\u0e14\u0e22\u0e40\u0e08\u0e15\u0e19\u0e32\u0e43\u0e19\u0e01\u0e23\u0e13\u0e35\u0e17\u0e35\u0e48 \u0e52 \u0e19\u0e35\u0e49 \u0e17\u0e48\u0e32\u0e19\u0e27\u0e48\u0e32\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e08\u0e33\u0e15\u0e49\u0e2d\u0e07\u0e43\u0e0a\u0e49\u0e40\u0e07\u0e34\u0e19\u0e04\u0e48\u0e32\u0e44\u0e16\u0e48\u0e16\u0e2d\u0e19\u0e01\u0e23\u0e21\u0e18\u0e23\u0e23\u0e21\u0e4c\u0e43\u0e2b\u0e49\u0e41\u0e01\u0e48\u0e1c\u0e39\u0e49\u0e40\u0e2d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e2b\u0e49\u0e41\u0e01\u0e48\u0e17\u0e32\u0e22\u0e32\u0e17\u0e02\u0e2d\u0e07\u0e1c\u0e39\u0e49\u0e19\u0e31\u0e49\u0e19<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-895\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 889<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e43\u0e19\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15\u0e19\u0e31\u0e49\u0e19 \u0e01\u0e32\u0e23\u0e43\u0e0a\u0e49\u0e08\u0e33\u0e19\u0e27\u0e19\u0e40\u0e07\u0e34\u0e19\u0e22\u0e48\u0e2d\u0e21\u0e2d\u0e32\u0e28\u0e31\u0e22\u0e04\u0e27\u0e32\u0e21\u0e17\u0e23\u0e07\u0e0a\u0e35\u0e1e \u0e2b\u0e23\u0e37\u0e2d\u0e21\u0e23\u0e13\u0e30\u0e02\u0e2d\u0e07\u0e1a\u0e38\u0e04\u0e04\u0e25\u0e04\u0e19\u0e2b\u0e19\u0e36\u0e48\u0e07<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-889\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 867<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e2d\u0e31\u0e19\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e19\u0e31\u0e49\u0e19 \u0e16\u0e49\u0e32\u0e21\u0e34\u0e44\u0e14\u0e49\u0e21\u0e35\u0e2b\u0e25\u0e31\u0e01\u0e10\u0e32\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2b\u0e19\u0e31\u0e07\u0e2a\u0e37\u0e2d\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e43\u0e14\u0e2d\u0e22\u0e48\u0e32\u0e07\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e1d\u0e48\u0e32\u0e22\u0e17\u0e35\u0e48\u0e15\u0e49\u0e2d\u0e07\u0e23\u0e31\u0e1a\u0e1c\u0e34\u0e14\u0e2b\u0e23\u0e37\u0e2d\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e15\u0e31\u0e27\u0e41\u0e17\u0e19\u0e02\u0e2d\u0e07\u0e1d\u0e48\u0e32\u0e22\u0e19\u0e31\u0e49\u0e19\u0e40\u0e1b\u0e47\u0e19\u0e2a\u0e33\u0e04\u0e31\u0e0d \u0e17\u0e48\u0e32\u0e19\u0e27\u0e48\u0e32\u0e08\u0e30\u0e1f\u0e49\u0e2d\u0e07\u0e23\u0e49\u0e2d\u0e07\u0e43\u0e2b\u0e49\u0e1a\u0e31\u0e07\u0e04\u0e31\u0e1a\u0e04\u0e14\u0e35\u0e2b\u0e32\u0e44\u0e14\u0e49\u0e44\u0e21\u0e48\u0e43\u0e2b\u0e49\u0e2a\u0e48\u0e07\u0e21\u0e2d\u0e1a\u0e01\u0e23\u0e21\u0e18\u0e23\u0e23\u0e21\u0e4c\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e2d\u0e31\u0e19\u0e21\u0e35\u0e40\u0e19\u0e37\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e15\u0e49\u0e2d\u0e07\u0e15\u0e32\u0e21\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e19\u0e31\u0e49\u0e19\u0e41\u0e01\u0e48\u0e1c\u0e39\u0e49\u0e40\u0e2d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e09\u0e1a\u0e31\u0e1a\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e01\u0e23\u0e21\u0e18\u0e23\u0e23\u0e21\u0e4c\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e15\u0e49\u0e2d\u0e07\u0e25\u0e07\u0e25\u0e32\u0e22\u0e21\u0e37\u0e2d\u0e0a\u0e37\u0e48\u0e2d\u0e02\u0e2d\u0e07\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e41\u0e25\u0e30\u0e21\u0e35\u0e23\u0e32\u0e22\u0e01\u0e32\u0e23\u0e14\u0e31\u0e07\u0e15\u0e48\u0e2d\u0e44\u0e1b\u0e19\u0e35\u0e49(\u0e51) \u0e27\u0e31\u0e15\u0e16\u0e38\u0e17\u0e35\u0e48\u0e40\u0e2d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22(\u0e52) \u0e20\u0e31\u0e22\u0e43\u0e14\u0e0b\u0e36\u0e48\u0e07\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e23\u0e31\u0e1a\u0e40\u0e2a\u0e35\u0e48\u0e22\u0e07(\u0e53) \u0e23\u0e32\u0e04\u0e32\u0e41\u0e2b\u0e48\u0e07\u0e21\u0e39\u0e25\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e16\u0e49\u0e32\u0e2b\u0e32\u0e01\u0e44\u0e14\u0e49\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e01\u0e31\u0e19\u0e44\u0e27\u0e49(\u0e54) \u0e08\u0e33\u0e19\u0e27\u0e19\u0e40\u0e07\u0e34\u0e19\u0e0b\u0e36\u0e48\u0e07\u0e40\u0e2d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22(\u0e55) \u0e08\u0e33\u0e19\u0e27\u0e19\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e41\u0e25\u0e30\u0e27\u0e34\u0e18\u0e35\u0e2a\u0e48\u0e07\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22(\u0e56) \u0e16\u0e49\u0e32\u0e2b\u0e32\u0e01\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e21\u0e35\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e40\u0e27\u0e25\u0e32 \u0e15\u0e49\u0e2d\u0e07\u0e25\u0e07\u0e40\u0e27\u0e25\u0e32\u0e40\u0e23\u0e34\u0e48\u0e21\u0e15\u0e49\u0e19\u0e41\u0e25\u0e30\u0e40\u0e27\u0e25\u0e32\u0e2a\u0e34\u0e49\u0e19\u0e2a\u0e38\u0e14\u0e44\u0e27\u0e49\u0e14\u0e49\u0e27\u0e22(\u0e57) \u0e0a\u0e37\u0e48\u0e2d\u0e2b\u0e23\u0e37\u0e2d\u0e22\u0e35\u0e48\u0e2b\u0e49\u0e2d\u0e02\u0e2d\u0e07\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22(\u0e58) \u0e0a\u0e37\u0e48\u0e2d\u0e2b\u0e23\u0e37\u0e2d\u0e22\u0e35\u0e48\u0e2b\u0e49\u0e2d\u0e02\u0e2d\u0e07\u0e1c\u0e39\u0e49\u0e40\u0e2d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22(\u0e59) \u0e0a\u0e37\u0e48\u0e2d\u0e02\u0e2d\u0e07\u0e1c\u0e39\u0e49\u0e23\u0e31\u0e1a\u0e1b\u0e23\u0e30\u0e42\u0e22\u0e0a\u0e19\u0e4c \u0e16\u0e49\u0e32\u0e08\u0e30\u0e1e\u0e36\u0e07\u0e21\u0e35(\u0e51\u0e50) \u0e27\u0e31\u0e19\u0e17\u0e33\u0e2a\u0e31\u0e0d\u0e0d\u0e32\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22(\u0e51\u0e51) \u0e2a\u0e16\u0e32\u0e19\u0e17\u0e35\u0e48\u0e41\u0e25\u0e30\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48\u0e44\u0e14\u0e49\u0e17\u0e33\u0e01\u0e23\u0e21\u0e18\u0e23\u0e23\u0e21\u0e4c\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-867\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 882<\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e43\u0e19\u0e01\u0e32\u0e23\u0e40\u0e23\u0e35\u0e22\u0e01\u0e43\u0e2b\u0e49\u0e43\u0e0a\u0e49\u0e04\u0e48\u0e32\u0e2a\u0e34\u0e19\u0e44\u0e2b\u0e21\u0e17\u0e14\u0e41\u0e17\u0e19 \u0e17\u0e48\u0e32\u0e19\u0e2b\u0e49\u0e32\u0e21\u0e21\u0e34\u0e43\u0e2b\u0e49\u0e1f\u0e49\u0e2d\u0e07\u0e04\u0e14\u0e35\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e1e\u0e49\u0e19\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e2a\u0e2d\u0e07\u0e1b\u0e35\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e43\u0e19\u0e01\u0e32\u0e23\u0e40\u0e23\u0e35\u0e22\u0e01\u0e43\u0e2b\u0e49\u0e43\u0e0a\u0e49\u0e2b\u0e23\u0e37\u0e2d\u0e43\u0e2b\u0e49\u0e04\u0e37\u0e19\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22 \u0e17\u0e48\u0e32\u0e19\u0e2b\u0e49\u0e32\u0e21\u0e21\u0e34\u0e43\u0e2b\u0e49\u0e1f\u0e49\u0e2d\u0e07\u0e04\u0e14\u0e35\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e1e\u0e49\u0e19\u0e40\u0e27\u0e25\u0e32\u0e2a\u0e2d\u0e07\u0e1b\u0e35\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e0b\u0e36\u0e48\u0e07\u0e2a\u0e34\u0e17\u0e18\u0e34\u0e08\u0e30\u0e40\u0e23\u0e35\u0e22\u0e01\u0e43\u0e2b\u0e49\u0e43\u0e0a\u0e49\u0e2b\u0e23\u0e37\u0e2d\u0e04\u0e37\u0e19\u0e40\u0e1a\u0e35\u0e49\u0e22\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e20\u0e31\u0e22\u0e16\u0e36\u0e07\u0e01\u0e33\u0e2b\u0e19\u0e14<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-882\/\">\u0e21\u0e32\u0e15\u0e23\u0e32\u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e2b\u0e21\u0e32\u0e22\u0e40\u0e2b\u0e15\u0e38\u0e02\u0e2d\u0e07\u0e40\u0e23\u0e32<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 7 <small>\u0e1e\u0e23\u0e30\u0e23\u0e32\u0e0a\u0e1a\u0e31\u0e0d\u0e0d\u0e31\u0e15\u0e34\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15 \u0e1e.\u0e28. 2535<\/small><\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e01\u0e32\u0e23\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15\u0e08\u0e30\u0e01\u0e23\u0e30\u0e17\u0e33\u0e44\u0e14\u0e49\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e44\u0e14\u0e49\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e02\u0e36\u0e49\u0e19\u0e43\u0e19\u0e23\u0e39\u0e1b\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e15\u0e32\u0e21\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e27\u0e48\u0e32\u0e14\u0e49\u0e27\u0e22\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14 \u0e41\u0e25\u0e30\u0e42\u0e14\u0e22\u0e44\u0e14\u0e49\u0e23\u0e31\u0e1a\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15\u0e08\u0e32\u0e01\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e42\u0e14\u0e22\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e04\u0e13\u0e30\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\n\u0e01\u0e32\u0e23\u0e02\u0e2d\u0e23\u0e31\u0e1a\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15\u0e15\u0e32\u0e21\u0e27\u0e23\u0e23\u0e04\u0e2b\u0e19\u0e36\u0e48\u0e07 \u0e43\u0e2b\u0e49\u0e1c\u0e39\u0e49\u0e40\u0e23\u0e34\u0e48\u0e21\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e22\u0e37\u0e48\u0e19\u0e04\u0e33\u0e02\u0e2d\u0e23\u0e31\u0e1a\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e15\u0e48\u0e2d\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35 \u0e41\u0e25\u0e30\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e42\u0e14\u0e22\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e04\u0e13\u0e30\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e44\u0e14\u0e49\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e43\u0e2b\u0e49\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e0a\u0e35\u0e27\u0e34\u0e15\u0e41\u0e25\u0e49\u0e27 \u0e43\u0e2b\u0e49\u0e1c\u0e39\u0e49\u0e40\u0e23\u0e34\u0e48\u0e21\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e01\u0e32\u0e23\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14 \u0e41\u0e25\u0e30\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e01\u0e32\u0e23\u0e27\u0e32\u0e07\u0e2b\u0e25\u0e31\u0e01\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e52\u0e50 \u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e17\u0e31\u0e49\u0e07\u0e14\u0e33\u0e23\u0e07\u0e44\u0e27\u0e49\u0e0b\u0e36\u0e48\u0e07\u0e40\u0e07\u0e34\u0e19\u0e01\u0e2d\u0e07\u0e17\u0e38\u0e19\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e52\u0e57 \u0e20\u0e32\u0e22\u0e43\u0e19\u0e2b\u0e01\u0e40\u0e14\u0e37\u0e2d\u0e19\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48\u0e44\u0e14\u0e49\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e41\u0e25\u0e49\u0e27\n\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e41\u0e25\u0e49\u0e27\u0e40\u0e2b\u0e47\u0e19\u0e27\u0e48\u0e32 \u0e1c\u0e39\u0e49\u0e22\u0e37\u0e48\u0e19\u0e04\u0e33\u0e02\u0e2d\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e44\u0e14\u0e49\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e01\u0e32\u0e23\u0e15\u0e32\u0e21\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e43\u0e19\u0e27\u0e23\u0e23\u0e04\u0e2a\u0e2d\u0e07\u0e41\u0e25\u0e49\u0e27 \u0e43\u0e2b\u0e49\u0e2d\u0e2d\u0e01\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e43\u0e2b\u0e49\u0e41\u0e01\u0e48\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e17\u0e35\u0e48\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e02\u0e36\u0e49\u0e19\n\u0e43\u0e19\u0e01\u0e23\u0e13\u0e35\u0e17\u0e35\u0e48\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e44\u0e21\u0e48\u0e2a\u0e32\u0e21\u0e32\u0e23\u0e16\u0e27\u0e32\u0e07\u0e2b\u0e25\u0e31\u0e01\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2b\u0e23\u0e37\u0e2d\u0e14\u0e33\u0e23\u0e07\u0e40\u0e07\u0e34\u0e19\u0e01\u0e2d\u0e07\u0e17\u0e38\u0e19\u0e15\u0e32\u0e21\u0e23\u0e30\u0e22\u0e30\u0e40\u0e27\u0e25\u0e32\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e44\u0e27\u0e49 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\u0e41\u0e25\u0e30\u0e43\u0e19\u0e01\u0e32\u0e23\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e08\u0e30\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e44\u0e27\u0e49\u0e14\u0e49\u0e27\u0e22\u0e01\u0e47\u0e44\u0e14\u0e49<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QlM0cGhMM3VxVk03NFN0WWF4ekR1UT09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>\u0e21\u0e32\u0e15\u0e23\u0e32 6 <small>\u0e1e\u0e23\u0e30\u0e23\u0e32\u0e0a\u0e1a\u0e31\u0e0d\u0e0d\u0e31\u0e15\u0e34\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22 \u0e1e.\u0e28. 2535<\/small><\/h3><details class=\"tlo-lb-fold\"><summary>\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e40\u0e15\u0e47\u0e21<\/summary><p class=\"tlo-lb-text\">\u0e01\u0e32\u0e23\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e08\u0e30\u0e01\u0e23\u0e30\u0e17\u0e33\u0e44\u0e14\u0e49\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e44\u0e14\u0e49\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e02\u0e36\u0e49\u0e19\u0e43\u0e19\u0e23\u0e39\u0e1b\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e15\u0e32\u0e21\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e27\u0e48\u0e32\u0e14\u0e49\u0e27\u0e22\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\n\u0e41\u0e25\u0e30\u0e42\u0e14\u0e22\u0e44\u0e14\u0e49\u0e23\u0e31\u0e1a\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e08\u0e32\u0e01\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e42\u0e14\u0e22\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e04\u0e13\u0e30\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\n\u0e01\u0e32\u0e23\u0e02\u0e2d\u0e23\u0e31\u0e1a\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e15\u0e32\u0e21\u0e27\u0e23\u0e23\u0e04\u0e2b\u0e19\u0e36\u0e48\u0e07\n\u0e43\u0e2b\u0e49\u0e1c\u0e39\u0e49\u0e40\u0e23\u0e34\u0e48\u0e21\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e22\u0e37\u0e48\u0e19\u0e04\u0e33\u0e02\u0e2d\u0e23\u0e31\u0e1a\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e15\u0e48\u0e2d\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\n\u0e41\u0e25\u0e30\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e42\u0e14\u0e22\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e04\u0e13\u0e30\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e44\u0e14\u0e49\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e43\u0e2b\u0e49\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e41\u0e25\u0e49\u0e27\n\u0e43\u0e2b\u0e49\u0e1c\u0e39\u0e49\u0e40\u0e23\u0e34\u0e48\u0e21\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e01\u0e32\u0e23\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e41\u0e25\u0e30\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e01\u0e32\u0e23\u0e27\u0e32\u0e07\u0e2b\u0e25\u0e31\u0e01\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32\n\u0e51\u0e59 \u0e1e\u0e23\u0e49\u0e2d\u0e21\u0e17\u0e31\u0e49\u0e07\u0e14\u0e33\u0e23\u0e07\u0e44\u0e27\u0e49\u0e0b\u0e36\u0e48\u0e07\u0e40\u0e07\u0e34\u0e19\u0e01\u0e2d\u0e07\u0e17\u0e38\u0e19\u0e15\u0e32\u0e21\u0e21\u0e32\u0e15\u0e23\u0e32 \u0e52\u0e57\n\u0e20\u0e32\u0e22\u0e43\u0e19\u0e2b\u0e01\u0e40\u0e14\u0e37\u0e2d\u0e19\u0e19\u0e31\u0e1a\u0e41\u0e15\u0e48\u0e27\u0e31\u0e19\u0e17\u0e35\u0e48\u0e44\u0e14\u0e49\u0e08\u0e14\u0e17\u0e30\u0e40\u0e1a\u0e35\u0e22\u0e19\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e41\u0e25\u0e49\u0e27\n\u0e40\u0e21\u0e37\u0e48\u0e2d\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e1e\u0e34\u0e08\u0e32\u0e23\u0e13\u0e32\u0e41\u0e25\u0e49\u0e27\u0e40\u0e2b\u0e47\u0e19\u0e27\u0e48\u0e32\n\u0e1c\u0e39\u0e49\u0e22\u0e37\u0e48\u0e19\u0e04\u0e33\u0e02\u0e2d\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e44\u0e14\u0e49\u0e14\u0e33\u0e40\u0e19\u0e34\u0e19\u0e01\u0e32\u0e23\u0e15\u0e32\u0e21\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e43\u0e19\u0e27\u0e23\u0e23\u0e04\u0e2a\u0e2d\u0e07\u0e41\u0e25\u0e49\u0e27\n\u0e43\u0e2b\u0e49\u0e2d\u0e2d\u0e01\u0e43\u0e1a\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e43\u0e2b\u0e49\u0e41\u0e01\u0e48\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e17\u0e35\u0e48\u0e08\u0e31\u0e14\u0e15\u0e31\u0e49\u0e07\u0e02\u0e36\u0e49\u0e19\n\u0e43\u0e19\u0e01\u0e23\u0e13\u0e35\u0e17\u0e35\u0e48\u0e1a\u0e23\u0e34\u0e29\u0e31\u0e17\u0e21\u0e2b\u0e32\u0e0a\u0e19\u0e08\u0e33\u0e01\u0e31\u0e14\u0e44\u0e21\u0e48\u0e2a\u0e32\u0e21\u0e32\u0e23\u0e16\u0e27\u0e32\u0e07\u0e2b\u0e25\u0e31\u0e01\u0e17\u0e23\u0e31\u0e1e\u0e22\u0e4c\u0e2b\u0e23\u0e37\u0e2d\u0e14\u0e33\u0e23\u0e07\u0e40\u0e07\u0e34\u0e19\u0e01\u0e2d\u0e07\u0e17\u0e38\u0e19\u0e15\u0e32\u0e21\u0e23\u0e30\u0e22\u0e30\u0e40\u0e27\u0e25\u0e32\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e44\u0e27\u0e49\n\u0e43\u0e2b\u0e49\u0e16\u0e37\u0e2d\u0e27\u0e48\u0e32\u0e01\u0e32\u0e23\u0e2d\u0e19\u0e38\u0e21\u0e31\u0e15\u0e34\u0e43\u0e2b\u0e49\u0e1b\u0e23\u0e30\u0e01\u0e2d\u0e1a\u0e18\u0e38\u0e23\u0e01\u0e34\u0e08\u0e1b\u0e23\u0e30\u0e01\u0e31\u0e19\u0e27\u0e34\u0e19\u0e32\u0e28\u0e20\u0e31\u0e22\u0e2a\u0e34\u0e49\u0e19\u0e1c\u0e25\n\u0e01\u0e32\u0e23\u0e02\u0e2d\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e41\u0e25\u0e30\u0e01\u0e32\u0e23\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\n\u0e43\u0e2b\u0e49\u0e40\u0e1b\u0e47\u0e19\u0e44\u0e1b\u0e15\u0e32\u0e21\u0e2b\u0e25\u0e31\u0e01\u0e40\u0e01\u0e13\u0e11\u0e4c \u0e27\u0e34\u0e18\u0e35\u0e01\u0e32\u0e23 \u0e41\u0e25\u0e30\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e17\u0e35\u0e48\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e43\u0e19\u0e01\u0e0e\u0e01\u0e23\u0e30\u0e17\u0e23\u0e27\u0e07\n\u0e41\u0e25\u0e30\u0e43\u0e19\u0e01\u0e32\u0e23\u0e2d\u0e19\u0e38\u0e0d\u0e32\u0e15\u0e23\u0e31\u0e10\u0e21\u0e19\u0e15\u0e23\u0e35\u0e08\u0e30\u0e01\u0e33\u0e2b\u0e19\u0e14\u0e40\u0e07\u0e37\u0e48\u0e2d\u0e19\u0e44\u0e02\u0e44\u0e27\u0e49\u0e14\u0e49\u0e27\u0e22\u0e01\u0e47\u0e44\u0e14\u0e49<\/p><p class=\"tlo-lb-note\">\u0e15\u0e23\u0e07\u0e15\u0e32\u0e21\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e43\u0e19\u0e23\u0e32\u0e0a\u0e01\u0e34\u0e08\u0e08\u0e32\u0e19\u0e38\u0e40\u0e1a\u0e01\u0e29\u0e32 \/ \u0e2a\u0e33\u0e19\u0e31\u0e01\u0e07\u0e32\u0e19\u0e04\u0e13\u0e30\u0e01\u0e23\u0e23\u0e21\u0e01\u0e32\u0e23\u0e01\u0e24\u0e29\u0e0e\u0e35\u0e01\u0e32 (Verbatim from the Royal Gazette \/ Office of the Council of State)<\/p><\/details><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QXByQlhBeGxkLzl2c01kdS9xRGhKdz09\" rel=\"noopener\" target=\"_blank\">\u0e02\u0e49\u0e2d\u0e04\u0e27\u0e32\u0e21\u0e17\u0e32\u0e07\u0e01\u0e32\u0e23<\/a><\/p><\/div><\/details><details class=\"tlo-lb-tab\" name=\"tlo-lb-1\" lang=\"fr\" data-no-translation><summary>Fran\u00e7ais<\/summary><div class=\"tlo-lb-sec\"><h3>Article 861<\/h3><p>Le contrat d&#039;assurance est le contrat par lequel une personne s&#039;engage \u00e0 verser une indemnit\u00e9 ou une somme en cas de sinistre ou d&#039;un autre \u00e9v\u00e9nement futur pr\u00e9vu au contrat, et une autre personne s&#039;engage \u00e0 payer une somme appel\u00e9e prime.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-861\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 865<\/h3><p>Si, en contractant, l&#039;assur\u00e9 (ou, en assurance vie, la personne dont d\u00e9pend le paiement) tait ou travestit sciemment un fait propre \u00e0 faire majorer la prime ou refuser le contrat, celui-ci est annulable. Ce droit s&#039;\u00e9teint un mois apr\u00e8s que l&#039;assureur conna\u00eet la cause, ou cinq ans apr\u00e8s la conclusion.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-865\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 895<\/h3><p>Si la somme est payable au d\u00e9c\u00e8s d&#039;une personne, l&#039;assureur doit la verser au d\u00e9c\u00e8s, sauf (1) suicide volontaire dans l&#039;ann\u00e9e suivant le contrat, ou (2) meurtre intentionnel par le b\u00e9n\u00e9ficiaire; dans le cas (2), l&#039;assureur doit verser la valeur de rachat \u00e0 l&#039;assur\u00e9 ou \u00e0 ses h\u00e9ritiers.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-895\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 889<\/h3><p>Dans l&#039;assurance vie, le paiement de la somme d\u00e9pend de la vie ou de la mort d&#039;une personne.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-889\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 867<\/h3><p>Sans \u00e9crit sign\u00e9 de l&#039;oblig\u00e9 ou de son mandataire, le contrat d&#039;assurance n&#039;est pas ex\u00e9cutoire en justice. L&#039;assur\u00e9 doit recevoir une police conforme, sign\u00e9e par l&#039;assureur, indiquant: objet, risques, valeur assurable \u00e9ventuelle, somme assur\u00e9e, prime et paiement, dur\u00e9e \u00e9ventuelle, assureur, assur\u00e9, b\u00e9n\u00e9ficiaire \u00e9ventuel, date du contrat, lieu et date d&#039;\u00e9mission.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-867\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 882<\/h3><p>L&#039;action en paiement de l&#039;indemnit\u00e9 se prescrit par deux ans \u00e0 compter du sinistre. L&#039;action en paiement ou en restitution de la prime se prescrit par deux ans \u00e0 compter de son exigibilit\u00e9.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/www.thailawonline.com\/th\/thai-civil-code\/section-882\/\">Notre article annot\u00e9<\/a><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 7 <small>Life Insurance Act B.E. 2535<\/small><\/h3><p>L&#039;assurance-vie exige une soci\u00e9t\u00e9 anonyme publique et une licence du Ministre approuv\u00e9e par le Conseil des ministres. Ensuite, les fondateurs immatriculent la soci\u00e9t\u00e9 puis, sous six mois, d\u00e9posent la garantie (art. 20) et constituent les fonds propres (art. 27), sinon caducit\u00e9. Le Ministre d\u00e9livre la licence, conditions possibles.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QlM0cGhMM3VxVk03NFN0WWF4ekR1UT09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><div class=\"tlo-lb-sec\"><h3>Article 6 <small>Non-Life Insurance Act B.E. 2535<\/small><\/h3><p>L&#039;assurance non-vie exige une soci\u00e9t\u00e9 anonyme publique et une licence du Ministre approuv\u00e9e par le Conseil des ministres. Ensuite, les fondateurs immatriculent la soci\u00e9t\u00e9 puis, sous six mois, d\u00e9posent la garantie (art. 19) et constituent les fonds propres (art. 27), sinon caducit\u00e9. Le Ministre d\u00e9livre la licence, conditions possibles.<\/p><p class=\"tlo-lb-note\">r\u00e9sum\u00e9 non officiel<\/p><p class=\"tlo-lb-links\"><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QXByQlhBeGxkLzl2c01kdS9xRGhKdz09\" rel=\"noopener\" target=\"_blank\">Texte officiel<\/a><\/p><\/div><\/details><\/div><div class=\"tlo-lb-src\"><h3>\u0e41\u0e2b\u0e25\u0e48\u0e07\u0e17\u0e35\u0e48\u0e21\u0e32<\/h3><ul><li><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/Qko1NGNVa1FhMG9hTTNGcU9sTGxydz09\" rel=\"noopener\" target=\"_blank\">\u0e1b\u0e23\u0e30\u0e21\u0e27\u0e25\u0e01\u0e0e\u0e2b\u0e21\u0e32\u0e22\u0e41\u0e1e\u0e48\u0e07\u0e41\u0e25\u0e30\u0e1e\u0e32\u0e13\u0e34\u0e0a\u0e22\u0e4c, Office of the Council of State<\/a>, \u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e39\u0e40\u0e21\u0e37\u0e48\u0e2d 31 \u0e15\u0e38\u0e25\u0e32\u0e04\u0e21 2569<\/li><li><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QlM0cGhMM3VxVk03NFN0WWF4ekR1UT09\" rel=\"noopener\" target=\"_blank\">Life Insurance Act B.E. 2535<\/a>, \u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e39\u0e40\u0e21\u0e37\u0e48\u0e2d 2 \u0e1e\u0e24\u0e28\u0e08\u0e34\u0e01\u0e32\u0e22\u0e19 2569<\/li><li><a href=\"https:\/\/searchlaw.ocs.go.th\/council-of-state\/#\/public\/doc\/QXByQlhBeGxkLzl2c01kdS9xRGhKdz09\" rel=\"noopener\" target=\"_blank\">Non-Life Insurance Act B.E. 2535<\/a>, \u0e40\u0e23\u0e35\u0e22\u0e01\u0e14\u0e39\u0e40\u0e21\u0e37\u0e48\u0e2d 2 \u0e1e\u0e24\u0e28\u0e08\u0e34\u0e01\u0e32\u0e22\u0e19 2569<\/li><\/ul><\/div><\/section>\n\n\n<h2 class=\"wp-block-heading\" id=\"3-vehicle-insurance-in-thailand\">3. Vehicle Insurance in Thailand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you own a vehicle in Thailand, the law requires one kind of motor insurance: the owner of a vehicle that is used or kept for use must insure against injury or death caused to people by it (section 7 of the Motor Victims Protection Act B.E. 2535). An owner whose policy already covers victims and property to the level set by ministerial regulation need not buy the compulsory policy as well (section 7, paragraph two), and section 8 exempts royal and official vehicles and the others it lists. Cover for <a href=\"https:\/\/www.thailawonline.com\/glossary\/damages\/\">damage<\/a> to your own vehicle or to other people\u2019s property is voluntary. There are two main types of vehicle insurance in Thailand: compulsory and voluntary insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider the following factors when choosing vehicle insurance:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compulsory Insurance: Ensure that you have the mandatory Compulsory Third-Party Liability (CTPL) insurance, which covers bodily injury or death caused by a motor vehicle accident. We call it \u201cPor Ror Bor\u201d. It is required by law to all motor vehicles, car, motorcycles, etc.  by the <a href=\"https:\/\/www.fpo.go.th\/main\/Department\/Bureau-of-Legal-Affairs\/11\/2471.aspx\" rel=\"noopener\" target=\"_blank\">Motor Victims Protection Act B.E. 2535 (1992) <\/a>that came into effect on 5 April 1993<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voluntary Insurance: Consider additional coverage, such as loss or damage to your vehicle, <a href=\"https:\/\/www.thailawonline.com\/glossary\/theft\/\">theft<\/a>, fire, or acts of nature.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Claim Process: Understand the claim process and the insurer\u2019s reputation for efficient claims settlement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Policy Exclusions: Be aware of policy exclusions, such as drunk driving, unlicensed drivers, or unauthorized modifications to your vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Premiums and Deductibles: Compare premiums and deductibles from different insurers and evaluate them against the coverage provided.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-property-insurance-in-thailand\">4. Property Insurance in Thailand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you own or rent a <a href=\"https:\/\/www.thailawonline.com\/buying-a-house-in-thailand\/\">property in Thailand<\/a>, it is advisable to have property insurance to protect your home and belongings against unforeseen events like fire, theft, or natural disasters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider the following aspects when selecting property insurance:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage: Ensure that the policy covers the structure of your property, including fixtures, fittings, and renovations made.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contents Coverage: Determine the value of your belongings and choose a policy that provides adequate coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exclusions: Understand the policy exclusions, such as damage due to wear and tear, floods, earthquakes, or war.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Premiums: Compare premiums from different insurers, and consider any additional coverage options or discounts offered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Claim Process: Research the reputation of the insurance provider for smooth claims settlement and customer support.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I was really surprised that I only had to pay 2,000 or 3,000 baht per year for a policy covering theft, fire, vandalism, for a property of 3 million baht and more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right insurance policies in Thailand as an expatriate is vital for your own peace of mind and the well-being of your loved ones. Consider your specific needs, budget, and the level of coverage required when selecting health insurance, life insurance, vehicle insurance, and property insurance. Ensure that you thoroughly understand the policy terms, coverage, claim process, and any exclusions before making a decision. By taking the time to select the right insurance policies, you can safeguard your financial interests and protect against unexpected circumstances that may arise during your stay in Thailand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Last reviewed: 22 September 2026.<\/strong> Read end to end. Sections 2, 7 and 8 of the Motor Victims Protection Act B.E. 2535 were read in Thai in the copy consolidated to amendment No. 5: section 7 imposes the duty to insure, section 8 exempts certain official vehicles, and section 2 brought the Act into force 360 days after publication. Links were tested. Policy terms and premiums vary by insurer; compare the policy wording before you buy. Re-checked on 5 October 2026: the Act&#8217;s Royal Gazette date (vol. 109, part 44, 9 April 1992) read from the consolidated text, which puts commencement under section 2 on 5 April 1993 as stated; no change made.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Some links:<\/span><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.thaihealth.co.th\/en\/home-english\/\" rel=\"noopener\" target=\"_blank\">ThaiHealth insurance company<\/a><\/li>\n\n<li><a href=\"https:\/\/www.axa.co.th\/\" rel=\"noopener\" target=\"_blank\">AXA Thailand<\/a><\/li>\n\n<li><a href=\"https:\/\/www.aainsure.net\/faq_car-insurance.html\" rel=\"noopener\" target=\"_blank\">AAInsure Car insurance<\/a><\/li>\n\n<li><a href=\"https:\/\/www.fpo.go.th\/main\/Department\/Bureau-of-Legal-Affairs\/11\/2471.aspx\" rel=\"noopener\" target=\"_blank\">Motor Victims Protection Act, 1992<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1788700000000\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is health insurance mandatory for visas in Thailand?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For some visas, yes. The O-A retirement visa and certain long-stay visas require proof of health insurance meeting minimum coverage levels.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1788700000001\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Do foreigners need health insurance to live in Thailand?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is strongly recommended and is required for some visa categories. Public healthcare access is limited for non-residents, so private cover is common.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1788700000002\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What types of insurance are common in Thailand?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Health, life, motor (compulsory and voluntary), travel and property insurance are all widely available from Thai and international insurers.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1788700000003\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is car insurance compulsory in Thailand?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Compulsory Motor Insurance (Por Ror Bor) is required by law, and most drivers add voluntary cover for fuller protection.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1788700000004\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can foreigners buy life insurance in Thailand?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Foreigners can usually buy life and health policies from licensed insurers, subject to underwriting, age and residency conditions.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>It is essential to ensure that you have the necessary insurance coverage to protect yourself and your loved ones in 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