Our Story
Helping Adults in Thailand Navigate Protection with Confidence
Sawatdi was built on the belief that people approaching their forties and beyond deserve access to clear, impartial education about insurance — not sales material dressed up as advice.
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A Different Kind of Insurance Education
Sawatdi was established in Bangkok to address a gap that its founders noticed repeatedly: adults reaching their forties often feel ill-equipped to evaluate their insurance situation, yet the resources available to them tend to come from people who have something to sell.
Our courses are structured as independent education. We do not represent any insurer, broker, or financial institution. The purpose of each programme is to give participants the vocabulary, conceptual framework, and practical tools to examine their own circumstances — and to ask better questions when they do speak with providers.
We work in English because many of our participants are expatriates, returning residents, or professionals who prefer to absorb complex material in the language they think in most clearly. All content reflects the Thai regulatory environment and the specific products available to people living in Thailand.
Our Mission
To equip adults over 40 in Thailand with the knowledge and practical tools they need to understand their protection landscape clearly and act in their own best interest.
Our Vision
A Thailand where adults at every stage of life can approach insurance conversations from a position of understanding — not anxiety, confusion, or dependence on partial information.
Our Values
Transparency, independence, empathy, and patience. We believe that financial decisions made calmly and clearly tend to serve people better than those made under pressure.
The People Behind It
Our Team
Arisa Phanomwan
Course Director & Lead Educator
Former risk analyst with over fifteen years in the Thai financial sector. Arisa designs the curriculum and leads all live sessions, drawing on experience across both personal and commercial insurance contexts.
Thomas Kiefer
Participant Support & Enrolment
Thomas coordinates participant onboarding and provides ongoing support throughout each course. He ensures every learner has what they need before sessions begin and throughout the programme.
Nattawut Wongsa
Content Research & Materials
Nattawut monitors changes in Thai insurance regulation and OIC guidance to ensure that all course materials remain accurate and current. He authors the worksheets and reference documents used across all programmes.
How We Work
Our Standards and Commitments
Independence from Providers
We hold no commercial relationships with insurance companies, brokers, or bancassurance channels. Our course fees are the only source of revenue — and participants are never directed toward any product or provider.
Regularly Updated Content
All materials are reviewed at least twice a year against current OIC publications and regulatory announcements. Significant changes are communicated to recent participants via email.
Data Privacy by Design
Personal information shared during enrolment or advisory sessions is held securely and never passed to third parties. Participants may request deletion of their records at any time.
Small Group Sizes
Live sessions are kept to a maximum of twelve participants so that individual questions receive proper attention. No session is a lecture — all are designed to be conversational.
Ongoing Participant Support
Questions can be submitted between sessions. Responses are provided within two business days. Participants in Course 3 have access to two dedicated advisory sessions for personal scenario review.
Clear Terms, No Surprises
Course fees are stated in full before enrolment, in Thai baht. There are no upsell components, add-on charges, or hidden modules. What is described is what is delivered.
Our Perspective
Why Insurance Education Matters at This Stage
For adults in Thailand who have reached their forties, insurance considerations shift in character. The policies that may have been suitable at 28 — or the coverage provided through an employer — may no longer reflect a household's actual structure, financial position, or health outlook. At the same time, the Thai insurance market offers an increasing range of products, each with its own terms, exclusions, and cost structures.
The challenge is not access to information. It is the ability to read, interpret, and compare that information without a background in financial products. OIC disclosures are comprehensive but dense. Sales materials are readable but partial. What is often missing is an intermediate layer: material written for an intelligent adult, without a selling purpose, that explains how the pieces fit together.
Sawatdi's courses occupy that space. The focus is on building a durable understanding of how different coverage types interact, what the key policy terms mean in practical terms, and how to evaluate whether a particular coverage level is proportionate to one's actual circumstances. The aim is that participants leave each course with greater capacity to ask precise questions — and to interpret the answers they receive.
See What We Offer
Browse our three courses or send us a message if you would like to discuss which programme suits your current situation.