The government of Thailand has instructed insurers to simplify and expedite claims for those affected by severe flooding in the southern provinces. Prime Minister Anutin Charnvirakul emphasised that home and vehicle claims must be processed quickly. If original documents are destroyed or unavailable, policyholders can submit photographic evidence via Line and other designated digital channels as primary proof.
Chuchatr Pramoolpol, secretary-general of the Office of the Insurance Commission (OIC), said the government meeting confirmed that photographic evidence will be accepted for claims. The measure aims to reduce delays in flood-affected regions.
A five-tier damage scale for motor vehicles has been introduced:
| Level | Damage Description | Estimated Cost (Baht) |
|---|---|---|
| A | Water reaches floor only | 8,000–10,000 |
| B | Water reaches seats and electrical system | 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 |
For hybrid vehicles, an additional 100,000 baht is paid if water reaches the floor. Electric vehicles with floor-level water are treated as total losses, triggering full insured value payment. By 26 November, around 3,000 vehicles had been reported damaged.
For property insurance holders, an initial payment of 20,000 baht is allocated for homes and 30,000 baht for shops. Premium deadlines may be extended by 90 days, and health insurance renewals will not require a new medical examination.
The human toll has been significant. According to the Ministry of Health, 267 people died across eight provinces between 22–27 November, with more than half of fatalities occurring in Hatyai district.
AJ