Thailand’s government has issued instructions to simplify and accelerate insurance claims for those affected by severe flooding in the southern provinces. Prime Minister Anutin Charnvirakul stated that home and vehicle claims must be resolved promptly. Policyholders may submit photographic evidence via Line and other authorised digital channels, which will be accepted if original documents are lost or destroyed.
OIC Secretary-General Chuchatr Pramoolpol said that following a government meeting, formal directives are being issued to ensure claims based on photographic evidence are processed quickly. The measure aims to reduce delays in flood-hit areas.
A five-tier damage scale has been established for motor vehicles:
| Level | Damage Description | Estimated Cost (Baht) |
|---|---|---|
| A | Water reaches floor only | 8,000–10,000 |
| B | Water reaches seats and electrical components | 15,000–20,000 |
| C | Water reaches lower front console | 25,000–30,000 |
| D | Water reaches upper front console | 30,000+ |
| E | Vehicle fully submerged | Full insured value |
Hybrid vehicles will receive an additional 100,000 baht, while electric vehicles will receive full insured value. By 26 November, approximately 3,000 vehicles had been reported damaged.
Valid property insurance holders will receive an initial 20,000 baht for homes and 30,000 baht for shops. Premium renewal deadlines may be extended by 90 days, and health insurance renewals will not require a new medical examination.
The floods caused 267 deaths across eight provinces between 22–27 November, with over half of the fatalities occurring in Hatyai district.
AJ