Government Issues Phuket Flood Insurance Claim Guidelines
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Deputy Government Spokesperson Ms. Ploythale Lakkhamsaengchan revealed on October 29, 2026, that the government is concerned about flood victims in Phuket and has ordered accelerated compensation under the National Disaster Insurance program, while mobilizing state agencies and officials. She outlined steps for victims to claim disaster insurance rights to avoid losing benefits or facing claim issues, emphasizing convenient and fast access to protection. Officials were ordered to monitor the situation closely, deploy staff to watch water levels, accelerate drainage, and prepare for incoming water from outside areas flowing into Phuket City Municipality due to continuous rain.
Regarding photo attachment guidelines for claiming disaster insurance money, the Department of Disaster Insurance (ThaiNatCat) specified the following:
- Submit at least 1 photo and no more than 3 photos, clearly showing the house and damage. - If the house has a number, photograph the house and its number in the same frame; if not, additional details can be entered in the system. - For flooding, photograph the water condition around the house. - For flash floods, photograph the actual damage for assessment purposes. - Disaster insurance covers only Thai nationals. - In case of death, payment goes to heirs according to guidelines. - In case of disability, payment goes directly to the beneficiary.
Damage assessment is divided into two cases: 1. Houses hit by flooding: assessed under flood criteria. 2. Houses surrounded by water: must verify actual residency and impact on livelihood.
The government stressed that state officials must perform their duties to assist the public, act as intermediaries to provide guidance, reduce errors, and expedite insurance payout approvals as quickly as possible.
Related news: Phuket braces for more heavy rain, flash floods in many areas; high-risk zones warned to move belongings to higher ground; Department of Disaster Prevention and Mitigation accelerates pumping.
For Phuket flood victims, claims can be filed at: - Main website: ThaiNatCat - LINE Official Account: @ThaiNATCAT
Once all documents are complete, the insurance company will approve and transfer money to PromptPay accounts within 15 days.
