Thailand's government plans to introduce a disaster insurance scheme covering floods, cyclones, and earthquakes for 20 million at-risk households, modeled on Japan's system. The state will purchase baseline insurance from providers, with payouts triggered automatically by damage criteria set by the insurance regulator—faster and more generous than traditional government relief. Target rollout is October 1, aiming to reduce strain on annual disaster budgets (currently 40–50+ billion baht for floods alone).