Section 865
Statutory text (Thai original)
ถ้าในเวลาทำสัญญาประกันภัย ผู้เอาประกันภัยก็ดี หรือในกรณีประกันชีวิต บุคคลอันการใช้เงินย่อมอาศัยความทรงชีพหรือมรณะของเขานั้นก็ดี รู้อยู่แล้วละเว้นเสียไม่เปิดเผยข้อความจริงซึ่งอาจจะได้จูงใจผู้รับประกันภัยให้เรียกเบี้ยประกันภัยสูงขึ้นอีกหรือให้บอกปัดไม่ยอมทำสัญญา หรือว่ารู้อยู่แล้วแถลงข้อความนั้นเป็นความเท็จไซร้ ท่านว่าสัญญานั้นเป็นโมฆียะถ้ามิได้ใช้สิทธิบอกล้างภายในกำหนดเดือนหนึ่งนับแต่วันที่ผู้รับประกันภัยทราบมูลอันจะบอกล้างได้ก็ดี หรือมิได้ใช้สิทธินั้นภายในกำหนดห้าปีนับแต่วันทำสัญญาก็ดี ท่านว่าสิทธินั้นเป็นอันระงับสิ้นไป
Verbatim from the Royal Gazette / Office of the Council of State
English translation
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.
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.
ThaiLawOnline translation, written from the Thai original and verified
Firm annotation
Section 865 is part of Book 3 (Specific Contracts) of the Thai Civil and Commercial Code. This entry is awaiting firm-authored commentary; the statutory text above is verbatim from the Office of the Council of State (OCS Krisdika) Thai source. The English translation is ThaiLawOnline's own, written from the Thai original and verified against it. Always rely on the Thai original for legal proceedings.
Cited in 53 Supreme Court decisions (1957 to 2022)
Selected citing decisions
- Decision 785/2565 (2022)
- Decision 3800/2565 (2022)
- Decision 5520/2564 (2021)
- Decision 4237/2564 (2021)
- Decision 5133/2562 (2019)
- Decision 3246-3250/2559 (2016)
- Decision 9976/2558 (2015)
- Decision 2216/2558 (2015)
This list is selected automatically, weighted towards judgments that turn on this section rather than ones that merely recite it when passing sentence. It has not yet been reviewed by the firm.
Most often cited alongside
- Section 176 4
- Section 866 4
- Section 3 3
- Section 4 3
- Thai CPC s. 249 3
- Section 889 3
Sections that appear in the same judgments as this one most often. The figure is the number of decisions.
Counted across the firm's corpus of 83,652 Supreme Court decisions, 1921 to 2026. The count is complete; the stated year range trims rare outliers so it describes where the citations actually sit. These figures are computed by us and are not official court statistics.
Related guides on ThaiLawOnline
Cite this section
-
Plain citation
Civil and Commercial Code, s. 865 (Thailand) -
Academic citation
Civil and Commercial Code (Thailand), s. 865. ThaiLawOnline, https://www.thailawonline.com/thai-civil-code/section-865/ (accessed 8 August 2026). -
Thai citation
ป.พ.พ. มาตรา 865 -
Permalink
https://www.thailawonline.com/thai-civil-code/section-865/ -
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<blockquote cite="https://www.thailawonline.com/thai-civil-code/section-865/"><p>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…</p><footer>Civil and Commercial Code, s. 865 (Thailand) — <a href="https://www.thailawonline.com/thai-civil-code/section-865/">ThaiLawOnline</a></footer></blockquote>
The Thai text is authoritative. The English is an unofficial translation by ThaiLawOnline, free to reuse with attribution.