Updated September 28, 2026 · AssureCue Editorial Team
Principal vs TIPINSURE
What sets them apart
| Compare |  Principal |  TIPINSURE |
|---|---|---|
| Insurance types | Dental, Life, Critical illness, Income protection | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Cover limit | Dental annual maximum typically $1,000 to $2,000 per year | 500,000 THB |
| Claims channels | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims | Phone, App, Online |
| Age range | Member, spouse and dependents to age 26 | 20-60, renewable to 64 |
| Premium from | Not confirmed | THB 699 |
| Monthly payments | Not confirmed | Yes |
Same on both: Provider type (Insurer).
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Key differences
- Principal scores higher overall: 9.5 vs 9.3.
- Founded is lower at Principal: 1879 vs 1951.
- Insurance types: only Principal offers Dental, Life, Income protection.
- Insurance types: only TIPINSURE offers Auto, Home, Travel.
- Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
- Claims channels: only TIPINSURE offers Phone, App, Online.
- Support channels: only Principal offers Email.
- Support channels: only TIPINSURE offers Chat.
Our verdict on each
Principal
Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | Principal | TIPINSURE |
|---|---|---|
| Cost | Not confirmed | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 9.1 | 9.3Higher |
| Trust | 9.7Higher | 9.6 |
Licences and countries
| Country | Principal | TIPINSURE |
|---|---|---|
| United States | Not confirmed |
Additional countries for Principal: 1. Additional countries for TIPINSURE: 1.
Positions in our rankings
| Ranking | Principal | TIPINSURE |
|---|---|---|
| Life insurance | 37 of 261 | 9 of 261 |
| Health insurance | 37 of 215 | 12 of 215 |
| Critical illness cover | 10 of 65 | 2 of 65 |
Side by side, item by item
| Insurance types | Principal | TIPINSURE |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | Yes | No |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Dental | Yes | No |
| Critical illness | Yes | Yes |
| Income protection | Yes | No |
What we checked
Principal
- principal.com: 8 facts, checked September 26, 2026
- linkedin.com: 1 fact, checked September 26, 2026
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Principal | TIPINSURE |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Principal Life Insurance Company | TIPINSURE Public Company Limited |
| Headquarters | United States | Thailand |
| Founded | 1879Lower | 1951 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Pros and cons
Principal
Pros
- Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
- Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- Support runs on phone, email and help centre, so a phone line and a help centre back the plan.
Cons
- Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
- Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
- Support runs on phone, email and help centre only, with no live chat or branch counter listed.
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
Who each suits
Principal
Who it suits
- Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
- Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- US employees and their families, since the insurer is based in the United States.
Who should look elsewhere
- Linxea, whose list is life, leaves a member who wants dental without a dental line.
- Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
- Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
Current offers
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | Principal | TIPINSURE |
|---|---|---|
| Thailand | No | Yes |
| United States | Yes | No |
Questions about each
Principal
What kinds of cover does Principal write?+
Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.
How much does the dental plan pay out each year?+
The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
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