The cabinet approved a national disaster insurance scheme, with the government paying premiums of about THB 15 billion a year (roughly THB 500 per household) to cover flood, storm and earthquake damage for about 30 million homes, targeted to start October. Eligibility is based on house registration, and payouts are THB 10,000 (flood) or THB 5,000 (storm/quake) first-part per household within 15 days, capped at THB 100,000 per event. Around 25 of 47 insurers may qualify, so the scheme is still being finalised. For a Thai SME, the practical point is that homeowners and staff's homes may gain cover, and the scheme does not replace your own business property insurance; check details once the rules are published.