Several Thai life insurers have announced flood relief for policies falling due roughly 1 Sep to 31 Dec 2026 (some from 20 Sep). Grace periods run from 60 to 91 days; lapsed policies can usually be reinstated within 6 months with interest and health checks waived; lost or water-damaged policy documents can be replaced with fees waived, with deadlines around 31 Jan or 28 Feb 2027 depending on the insurer. If your staff or family hold life, health or accident cover, check each policy's due date and the insurer's flood-area declaration now, and confirm terms directly with the insurer before relying on them.