How we compare
The rules we hold ourselves to, written down so you can hold us to them.
Premiums come from the insurer, never from us
Every price on this site is returned by that insurer’s own rate table for the age you entered. We do not estimate, interpolate or round a premium. If we cannot get a price for a plan, we show no price rather than a guess.
We only rank like with like
Plans are grouped by what they cover, where they cover it, and how they limit what they pay. We never present a single ranked list across those groups. Cancer and personal accident policies are not shown alongside health plans — they answer a different question and are handled by an adviser.
“Confirmed at application” means we could not verify it
Where a benefit line reads confirmed at application, we could not confirm that value against the insurer’s own documents. It is not the same as not covered, which is the insurer stating they pay nothing on that line. We keep the two visibly distinct, because a number we cannot defend is worse than a blank.
What the AI does, and what it never does
A model helps run the intake conversation and phrases the reasoning behind a recommendation. It never produces a number. Every reason shown carries a citation to a specific field in the insurer’s data, and any reason we cannot tie back to one is dropped before you see it. If the model is unavailable, the comparison still works.
No payment here
You apply, the insurer underwrites — normally three to seven days — and then invoices you directly. Cover begins once they have verified payment. That is how the Thai market works, and we have not built a payment rail on top of it.
Do you get paid by the insurers?
We are an insurance intermediary and are remunerated by the insurer when a policy is placed. That is why the comparison rules above are written down: the grouping and ranking are fixed by structure, not by who pays what.
Will you ask for medical information before showing prices?
No. The intake asks at most five questions — age, out-patient preference, budget, hospital preference and who is being covered. No name, contact detail or health question is asked before you have seen prices. Medical disclosure happens only inside an application.