Thailand's government is launching a national disaster insurance scheme for residential properties, expected to generate B15bn in new premiums for the insurance industry. The scheme will provide up to B75bn in liability coverage for approximately 30 million households, with 25 insurers initially qualifying to participate. Participating insurers must meet strict capital adequacy ratios (180–200% compared to a 140% minimum statutory requirement) and retain at least B5bn combined, while reinsuring B70bn overseas to manage concentration risk.