The government plans to start a national disaster insurance scheme on 1 Oct 2026, covering flood, windstorm and earthquake for about 30 million households, with 75,000 million baht in total cover. Insurers have not finished agreeing and many are hesitant; they had offered 60,000 million. Talks may limit cover to residential buildings and deaths, excluding furniture and household electrical appliances. Only disasters declared from 1 Oct 2026 would be covered; earlier declarations stay under existing policies. For SMEs: check your own property policy now, especially contents cover, since the scheme may not replace it. Watch for final terms before 1 Oct.