1. General Information

The information provided on the ExpatWell Thailand website is intended for general informational and educational purposes.

Information on this website should not, by itself, be regarded as personalized financial, investment, legal, tax, medical, or other professional advice.

Where regulated financial or insurance services are provided, such services will be subject to the applicable laws, regulations, professional requirements, and the terms of the relevant authorized service provider.

2. Insurance Information

Information relating to insurance products, benefits, premiums, coverage, exclusions, deductibles, or other policy features is provided for general information and preliminary assessment purposes only.

Actual coverage, premiums, eligibility, exclusions, waiting periods, policy conditions, and other terms are determined by the relevant insurer and the applicable policy documents.

In the event of any inconsistency between information on this website and the official policy wording or documents issued by an insurer, the insurer's official documents shall prevail.

3. Insurance Eligibility and Underwriting

Completing a calculator, assessment, enquiry form, or consultation request does not constitute an insurance application, offer, acceptance, or guarantee of coverage.

Insurance applications may be subject to eligibility requirements, underwriting, health declarations or examinations where applicable, supporting documentation, and approval by the relevant insurer.

Final acceptance and policy issuance remain subject to the insurer's underwriting rules and applicable terms and conditions.

4. Investment Information and Risk

Information relating to investments, funds, asset allocation, market conditions, or investment products is provided for general informational purposes unless specifically provided through an appropriately authorized service and process.

Investments involve risk. The value of investments may rise or fall, and investors may receive back less than the amount invested.

Past performance does not guarantee or reliably indicate future performance.

Before making an investment decision, investors should consider the relevant product information, objectives, risks, fees, financial circumstances, investment objectives, risk tolerance, and other relevant factors.

5. Calculators and Estimates

Calculators and assessment tools available on this website are intended to provide preliminary estimates only.

Results may be based on assumptions and information provided by the user and may not reflect all factors relevant to an actual insurance, financial-planning, or investment decision.

Calculator results, including estimated premiums and insurance needs, are not quotations, guarantees, offers, approvals, or contractual commitments.

Actual results and terms may differ.

6. No Guarantee of Accuracy

We aim to provide information that is useful and reasonably accurate. However, information, product terms, premiums, market data, regulations, and other content may change over time.

To the extent permitted by applicable law, ExpatWell Thailand does not guarantee that all information on this website will always be complete, accurate, current, or suitable for every user's circumstances.

Users should verify material information before making financial, insurance, investment, legal, or tax decisions.

7. Third-Party Products and Services

This website may contain information about, or links to, products and services provided by insurers, financial institutions, asset managers, investment platforms, or other third parties.

Such products and services are subject to the terms, conditions, eligibility requirements, and approval processes of the relevant provider.

References to third-party products or services do not mean that ExpatWell Thailand controls or guarantees those products, services, websites, or providers.

8. Third-Party Links

Links to external websites are provided for convenience and informational purposes.

ExpatWell Thailand does not control third-party websites and is not responsible for their content, availability, security, privacy practices, or subsequent changes.

Users should review the relevant terms and privacy policies of third-party websites before using their services.

9. Professional and Regulatory Services

Where insurance or investment-related services require authorization, registration, licensing, appointment, or affiliation with an authorized provider, such services will be provided only within the applicable scope of authority and regulatory requirements.

Nothing on this website should be interpreted as ExpatWell Thailand itself being an insurer, bank, securities company, asset management company, or other regulated financial institution unless expressly stated otherwise.

10. No Guarantee of Results

No information, illustration, calculation, consultation, or communication through this website guarantees any particular insurance approval, investment return, financial outcome, or other result.

Financial markets, insurance underwriting decisions, product availability, laws, regulations, and individual circumstances may change.

11. Limitation of Liability

To the extent permitted by applicable law, ExpatWell Thailand will not be responsible for losses or damages arising solely from reliance on general information, estimates, calculators, or third-party information presented on this website.

Nothing in this Disclaimer excludes or limits any responsibility or liability that cannot lawfully be excluded or limited.

12. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our services, website features, applicable requirements, or business practices.

The latest version will be published on this page together with the “Last updated” date.

13. Contact

If you have questions regarding this Disclaimer or information presented on this website, please contact:

ExpatWell Thailand
Email: contact@expatwellthailand.com