Deputy PM Pakorn Nilprapunt says the cabinet (ครม.สัญจร in Songkhla) will consider a plan for the government to buy basic disaster insurance covering flood, storm and earthquake for about 20 million households in high-risk areas, with insurers paying out fixed amounts quickly after an event. Target start is 1 Oct 2026, during flood season, but details are still being drafted. Current flood relief costs run 40-50 billion baht a year. For a Thai SME this is still a proposal: watch for the final cabinet decision, the payout criteria set by the Office of Insurance Commission (คปภ.), and whether business property or premises are covered, since the plan is aimed at households.