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BHealth is your first asset · ER 360°

Health and life insurance brokers
We compare plans from many insurers

The ER 360° Health & Protection Center looks after life, health, critical illness, employee group and non-life insurance. We are brokers licensed by the Office of Insurance Commission (OIC). We review the policies you already have first, add only what's missing, and stand by you on the day you need to claim.

Start the Safe Life lessons (Thai) Urgent claim? Message us on LINE
Need urgent help Not enough cover Planning ahead

Our team holds life and non-life insurance broker licenses from the OIC.

Protection Monitor · Family of 4 Sample result
Life insurance
80 /100
Medical costs
35 /100
Critical illness
50 /100
Home & car
75 /100

Sample result: Medical cover too low. The health policy was bought years ago. Its per-claim limit is below what private hospitals charge today. Top this up before anything else.

MAPRooms in this center

Insurance tools and know-how. Pick what you want to learn.

Every room opens right away. No sign-up needed. These pages are currently in Thai.

Safe Life Class 101 (Thai)The minimum cover one person should have, life plans for each age, and common myths3 lessons · about 10 minutes Self-check tools (Thai)X-ray your policies to find gaps, and work out how much life cover you need2 tools · no personal details needed Hospitals nationwide (Thai)Find hospitals by province, check your coverage rights and hotlines, and compare room rates with your policy limit1,617 hospitals · 77 provinces Guide to every type of insurance (Thai)Why each type matters, what risks it covers and who it suits, plus a risk map9 categories · 36 types Insurance applications and plans (Thai)Brochures, premium tables and application forms from many insurers, sorted by category, with how to fill them in and send them to the team for reviewDownload application forms Critical illness and real treatment costs (Thai)Cancer, heart disease, stroke and kidney failure: statistics, treatment options, costs, government coverage, and a calculator for the money you need to set asideData with sources Health and insurance articles (Thai)Easy, stress-free reading, updated regularly– articles
ARisk check

Is your insurance enough? Take a free risk check

Tick what applies to you or your family. We'll show what needs attention first and which of our "doctors" to talk to.

Level 1 · Need urgent help

Emergency room

Something has happened, or your cover is about to lapse
Reply
Within 24 hours
Help with
Claims, keeping policies active
Level 2 · Not enough cover

Exam room

You have insurance, but it may not be enough when something really happens
Meeting
This week
Help with
Policy X-ray, filling the gaps
Level 3 · Planning ahead

Annual check-up

You have enough cover and want to use insurance to plan ahead
Meeting
Whenever suits you
Help with
Savings, tax, retirement, inheritance
Your result
Nothing selected yet

Tick at least one item. The most urgent item decides your level.

Book a consult
COur protection doctors

Insurance advisors in 6 specialties, caring for people, families and assets

Easy to talk to. We explain the conditions in plain language and compare options before you decide.

Room B1

Immunity doctor OIC

Overall protection

X-rays every policy you have to see where cover overlaps and where it falls short, then plans full cover within a budget you can afford.

Doctor's tipStart with one question: if your income stopped tomorrow, how many months could your family get by? The answer tells you how much cover you need.
See this doctor →
Room B2

Family medicine doctor

Life and health insurance for the family

Life, health, critical illness and accident insurance for everyone at home, from young children to parents.

Doctor's tipInsure the main earner before the children. If the person who brings in the income gets sick or passes away, the whole household is hit.
See this doctor →
Room B3

Occupational medicine doctor

Group insurance and employee benefits

Designs group health and life insurance for your staff, within a budget the company can afford, to help you keep good people.

Doctor's tipBefore adding benefits, ask your staff what they actually use. Many companies find that OPD (outpatient) cover matters to staff more than they expected.
See this doctor →
Room B4

Geriatric doctor

Retirement, pension and inheritance

Plans your income after retirement, pension (annuity) insurance and tax deductions, and a smooth handover of wealth to your family.

Doctor's tipStarting to save for retirement 5 years earlier often helps more than saving extra near the end, because compound interest has longer to work.
See this doctor →
Room B5

Emergency doctor

Help with claims

Checks your rights, prepares the documents and works with the insurer, so you can rest and recover without chasing paperwork yourself.

Doctor's tipKeep a photo of your policy's front page and the claims center number on your phone, and tell your family what insurance you have. Then no one has to search for it on the day something happens.
Report a claim on LINE →
Room B6

Home & car doctor

Non-life insurance

Fire insurance for homes and factories, car insurance, and third-party liability insurance.

Doctor's tipInsure your home for the cost of rebuilding it, not the land price. A fire can only destroy the house. The land is still there.
See this doctor →
DPharmacy · ER 360°

Life, health and non-life insurance, matched to your risks

As brokers, we compare plans for you first, then dispense only the medicine you need.

Life insurance and savingsLife · Pension · Tax deductions
Indications
Someone relies on your income, you have large debts, or you want to save for retirement and pass on wealth
Directions
Work out how much cover you need first, then choose a protection or savings plan that fits your goal
Use for
UrgentNot enoughPlanning
WarningLife insurance is not a savings deposit. Always understand the coverage details and conditions before you decide.
Rx B-01Get this prescription →
Health and critical illness insuranceIPD · OPD · Critical illness · Accident
Indications
You only have Social Security or company benefits, or your old limit doesn't cover today's medical costs
Directions
Cover inpatient costs first, then add critical illness, accident or OPD cover to fit your budget
Use for
UrgentNot enough
WarningAlways read the terms on pre-existing conditions, waiting periods and co-payment before you buy.
Rx B-02Get this prescription →
Non-life insuranceHome · Factory · Car · Liability
Indications
You have a home, building, factory, stock or car that would cost a large sum if damaged
Directions
Set the sum insured to the property's real value, and review it every year as the value changes
Use for
UrgentPrevention
WarningIf the sum insured is below the real value, you may not be paid in full. Always read the conditions before you decide.
Rx B-03Get this prescription →

Linked with the business clinic: Key-man insurance, shareholder insurance and employee group insurance work together with the plans of our business doctors, so the business can keep running even if the owner is sick or away.

Q&AFrequently asked questions

Frequently asked questions

How is an insurance broker different from an insurance agent?
An insurance agent works for the one insurer they are tied to. An insurance broker sits in the middle and helps you compare plans and conditions from many insurers, then choose the one that fits your needs. The ER team holds life and non-life insurance broker licenses from the OIC.
What is the minimum insurance one person should have?
At minimum: an emergency fund of 3–6 months, knowing the medical coverage rights you already have, and inpatient health insurance. If someone depends on you or you have debts, you should also have life, accident and critical illness insurance. See the details in Safe Life Class 101 (Thai).
I have group insurance from my company. Do I still need my own health insurance?
You should have at least one health policy of your own. Group insurance ends when you leave the job, and its limits are often low. If you buy while you're still healthy, premiums are usually lower and you have more plans to choose from.
Is the policy review really free? Do I have to buy more insurance?
The review is free, with no obligation. The team sums up where your cover overlaps, where it falls short, and what to add first. You can try a quick check first with the policy X-ray tool (Thai).
Can you help with insurance claims?
Yes. The team helps check your rights, prepare documents and work with the insurer. If it's urgent, message our LINE OA @006kxnum. The team replies within 24 hours.
In a critical emergency, which hospitals can I go to?
Under UCEP (emergency care policy), patients in a critical emergency can be treated at the nearest hospital, public or private, without paying upfront for the first 72 hours, subject to the policy's conditions. Call 1669 to report an emergency. Read more in our article on UCEP (Thai).
FInsurance consultation

Send your policies to a broker for a free review

Tell us what insurance you have. Our doctors will sum up where it overlaps, where it falls short, and what to add first. No obligation.

LINE Urgent claim? Message our LINE OA@006kxnum · Reply within 24 hours FB FacebookER 360° Insurance TEL Call us+66 81 961 9624

Ask about insurance

When you press the button, your details open as a draft message in LINE. Please check it and press send so the team receives it. Or contact our LINE OA directly.

Urgent claim? Tell us on LINE