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Non-Life Insurance Act Section 36 — No delay in paying claims
Non-Life Insurance Act (พระราชบัญญัติประกันวินาศภัย) — Section 36.
Plain-English Summary
An insurer must not delay paying compensation or refunding premiums without reasonable cause, or pay or refund in bad faith. What counts as a breach, including the method and time limits, is set by the Commission's announcement; the Act fixes no number of days. The Registrar may mediate complaints (Section 36/1). Section 84 is an administrative-fine provision, not claim payment.
Official Text
Official Thai text at the Royal Gazette / Office of the Council of State. Translation summary only.
Consult official sourceParent Statute
Non-Life Insurance Act
พระราชบัญญัติประกันวินาศภัย · B.E. 2535 (1992)
The Non-Life Insurance Act B.E. 2535 (1992) governs non-life insurers in Thailand and repeals the Non-Life Insurance Act B.E. 2510 (1967) (Section 3). Non-life loss (วินาศภัย) means any damage that can be estimated in money, including loss of rights, benefits or income (Section 4). Non-life insurance may be carried on only by a public limited company holding a licence from the Minister with Cabinet approval (Section 6). At least 75% of voting shares must be held by Thai nationals and at least three-quarters of directors must be Thai (Section 9), subject to the Commission's permission for non-Thai holdings of up to 49% and the Minister's power to relax the requirement, so 49% is not an absolute cap. The Act also covers security deposits by class of insurance, reserves, capital funds, policy-form approval, retention limits, licensed loss assessors, fire-insurance control, the ban on unjustified delay in paying claims, licensing of agents and brokers, the Non-Life Insurance Fund, and penalties. It is supervised through the Commission and Registrar of the Office of Insurance Commission (OIC). Life business is governed by a separate Act, and a non-life insurer may not carry it on (Section 31(1)). Compulsory motor-accident cover is not in this Act; it is under a separate Act on the protection of motor-accident victims.
The summary above is a plain-English educational paraphrase of Section 36 of the Non-Life Insurance Act. It is not an authoritative translation. For the binding Thai text, consult the Royal Gazette or the Office of the Council of State. Educational use only — not a substitute for advice from a Thai-qualified lawyer.
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