The Thailand Office of Insurance Commission used a study visit for advanced case officer trainees to explain how it enforces insurance law and protects policyholders. The presentation centered on a three-part enforcement model covering administrative sanctions against insurance agents and brokers, the use of administrative fines for offenses punishable only by a fine, and criminal prosecution for cases involving imprisonment penalties, refusal to pay fines or conduct that harms the insurance system more broadly. It also emphasized coordination with justice-sector agencies to tackle insurance fraud. Supporting detail focused on how cases are handled once misconduct is detected. The Office of Insurance Commission said it investigates, gathers evidence and files charges in all cases before determining an appropriate penalty. For complex economic crime, it has set up a dedicated insurance fraud team to review cases involving losses above THB 15 million and works closely with the Economic Crime Suppression Division and public prosecutors in pursuing offenders. On policyholder protection, it highlighted complaint handling, mediation and arbitration as mechanisms to resolve disputes more quickly and reduce the number of cases going to court. The training session also covered substantive dispute resolution issues relevant to insurance cases, including complaint handling under insurance contracts, property insurance, contribution where an insured holds two or more policies, and underinsurance. The Office of Insurance Commission presented these processes as part of broader knowledge-sharing with judicial personnel on insurance rights protection and enforcement practice.
Thailand Office of Insurance Commission2026-07-06
Thailand Office of Insurance Commission outlines three track insurance enforcement approach and THB 15 million fraud case threshold
The Thailand Office of Insurance Commission used a judicial training visit to set out its current approach to insurance law enforcement and policyholder protection. It highlighted a three-part enforcement framework covering administrative sanctions, administrative fines and criminal prosecution, and said its dedicated fraud team handles suspected insurance fraud cases with losses above THB 15 million in coordination with economic crime police and prosecutors. It also described complaint handling, mediation and arbitration as tools to resolve insurance disputes before they reach court.