<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Homepage -->
  <url>
    <loc>https://thaiexpatinsurance.com/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- FAQ Page -->
  <url>
    <loc>https://thaiexpatinsurance.com/faq/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Category: Life Protection -->
  <url>
    <loc>https://thaiexpatinsurance.com/categories/life-protection/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Category: Health Insurance -->
  <url>
    <loc>https://thaiexpatinsurance.com/categories/medical-riders/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Category: Critical Illness -->
  <url>
    <loc>https://thaiexpatinsurance.com/categories/critical-illness/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Category: Accident Protection -->
  <url>
    <loc>https://thaiexpatinsurance.com/categories/accidents/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Category: Savings Plans -->
  <url>
    <loc>https://thaiexpatinsurance.com/categories/savings/</loc>
    <lastmod>2025-11-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
</urlset>
