Lydia Kwa Lar

Lydia is a content writer at Thaiger, where she brings fresh perspectives and a strong eagerness to explore new horizons. Currently pursuing her Bachelor's degree at Payap University, Lydia enjoys listening to music, reading books, and staying updated on the latest social media trends in her free time.
  • HealthWhat is the claims process for expat health insurance? | Thaiger

    What is the claims process for expat health insurance?

    The Thaiger key takeaways Most expat claims move through a mix of direct billing at partner hospitals and reimbursement when treatment is paid upfront. Digital submission is now the standard route, with processing times usually tied to how complete the documents are. Ongoing support, status updates, and follow-ups tend to run through 24/7 customer channels, keeping communication consistent throughout the…

  • HealthHow to make sure that your health insurance meets Thailand’s visa requirements | Thaiger

    How to make sure that your health insurance meets Thailand’s visa requirements

    If you plan to stay in Thailand for a long time, you must have health insurance that meets the country’s visa rules. This applies to Retirement (O-A and O-X) visas and Long-Term Resident (LTR) visas. Each visa type requires a minimum level of coverage for both inpatient and outpatient care, and some also need Covid-19 protection. Several approved Thai insurance…

  • HealthIs expat health insurance in Thailand actually worth it? | Thaiger

    Is expat health insurance in Thailand actually worth it?

    The Thaiger key takeaways Foreigners aren’t covered by public healthcare, making private hospital costs a major concern. Insurance offers financial protection and access to better medical care. Whether it’s worth it depends on your stay length, health, lifestyle, and budget. Thailand is a favourite destination for expats, known for its warm weather, rich culture, and affordable lifestyle. But as more…

  • HealthTravel vs international health insurance: Which coverage do you need overseas? | Thaiger

    Travel vs international health insurance: Which coverage do you need overseas?

    The Thaiger key takeaways Travel insurance is ideal for short-term trips, covering emergencies, cancellations, and lost luggage, but not routine care. International health insurance suits expats and long-term residents, offering full medical coverage, including checkups, maternity, and chronic care. Choosing the right plan helps you meet visa rules, avoid high bills, and access reliable healthcare abroad — with trusted providers…

  • HealthThe guide to affordable healthcare in Thailand | Thaiger

    The guide to affordable healthcare in Thailand

    The Thaiger key takeaways Thailand’s healthcare system combines low-cost public services with world-class private hospitals. Private health insurance protects expats from major medical bills and meets visa requirements. Cigna offers expat-focused plans with direct billing, top hospital access, and 24/7 support. Thailand’s healthcare system is known for being both good and affordable. Many people in Asia choose the country for…

  • Retire in ThailandWhy retirees in Thailand are choosing long-term health insurance over quick fixes | Thaiger

    Why retirees in Thailand are choosing long-term health insurance over quick fixes

    The Thaiger key takeaways Short-term health plans leave retirees exposed to high costs and limited coverage. Long-term health insurance offers financial stability, full medical access, and peace of mind. Cigna’s flexible, expat-focused plans make retirement in Thailand safer and stress-free. Retirees in Thailand are increasingly seeing the importance of health insurance in protecting their well-being during retirement. With insurance requirements…

  • HealthThe hidden costs of ignoring pre-existing conditions in Thailand | Thaiger

    The hidden costs of ignoring pre-existing conditions in Thailand

    The Thaiger key takeaways Not declaring pre-existing conditions can result in denied claims, high costs, or visa problems. Cigna provides coverage for common chronic conditions like diabetes and arthritis with high limits and direct billing. Honest disclosure ensures proper coverage, financial protection, and peace of mind for expats in Thailand. If you’re planning to live in Thailand for a long…

  • Thailand TravelLong-term life in Thailand? 5 reasons private health insurance pays off in the long run | Thaiger

    Long-term life in Thailand? 5 reasons private health insurance pays off in the long run

    The Thaiger key takeaways Private health insurance provides quicker access to top hospitals, covering both emergency and routine care. It protects long-term residents from high treatment costs, especially for chronic conditions and major procedures. Plans like Cigna’s offer flexible coverage, high-quality care, and financial security for expats living in Thailand. Thailand is a great place for expats and retirees, offering…

  • HealthMoving to Thailand? Here are the health documents you should prepare before you go | Thaiger

    Moving to Thailand? Here are the health documents you should prepare before you go

    The Thaiger key takeaways Valid passport, visa documents, health certificate, and vaccination records are essential for immigration and medical care in Thailand. Health insurance that meets visa requirements, like Cigna, provides protection, direct billing, and access to a wide hospital network. Keeping personal medical records and prescriptions up to date ensures quick treatment and smooth communication with doctors Moving to…

  • Things To DoOutdoor adventures in Thailand for adrenaline seekers | Thaiger

    Outdoor adventures in Thailand for adrenaline seekers

    The Thaiger key takeaways Thailand provides a wide range of adventure activities, from whitewater rafting and rock climbing to ziplining, scuba diving, and skydiving, suitable for all skill levels. Macro and marine life exploration, Muay Thai camps, kiteboarding, ATV riding, and mountain biking add diverse experiences for thrill-seekers. Following local safety rules, choosing guided tours, and using travel insurance like…

  • HealthTop mistakes expats make when choosing health insurance in Thailand | Thaiger

    Top mistakes expats make when choosing health insurance in Thailand

    The Thaiger key takeaways Being uninsured or relying solely on travel insurance leaves expats exposed to high medical costs in Thailand. Ignoring coverage limits, exclusions, waiting periods, and network restrictions can create unexpected financial burdens. Understanding deductibles, copayments, and flexible payment options ensures better control over healthcare expenses and peace of mind Living in Thailand as an expat means getting…

  • Travel GuidesWhere to experience Thailand’s nightlife without the tourist traps | Thaiger

    Where to experience Thailand’s nightlife without the tourist traps

    The Thaiger key takeaways Local nightlife in Thailand offers a calmer, more authentic experience compared to crowded tourist areas, with options ranging from Bangkok’s RCA and Thonglor to Koh Samui’s Lamai and Maenam beaches. Night markets, small bars, and beachside venues provide cultural immersion, live music, and local flavours while avoiding overpriced tourist traps. Safety and planning are essential; using…

  • HealthThailand health insurance that covers chronic conditions: What expats need to know | Thaiger

    Thailand health insurance that covers chronic conditions: What expats need to know

    The Thaiger key takeaways Managing chronic conditions in Thailand requires health insurance that covers specialist visits, medications, tests, and hospital stays. Cigna offers high-coverage plans with access to top hospitals, direct billing, and telemedicine support for convenient long-term care. Expats should disclose pre-existing conditions, understand waiting periods, and ensure their policy meets visa requirements Living in Thailand as an expat…

  • Thailand TravelWhat are the most affordable places to visit in Thailand? | Thaiger

    What are the most affordable places to visit in Thailand?

    The Thaiger key takeaways Thailand is still relatively affordable in 2025, offering cheap stays, street food, and low-cost attractions across all regions. Key budget-friendly destinations include Pai, Chiang Mai, Bangkok, Koh Tao, and Kanchanaburi. Travel protection matters. SafetyWing insurance ensures medical, evacuation, and trip coverage for stress-free adventures. Thailand is one of the most affordable and beautiful places to visit…

  • Visa InformationCan health insurance help speed up your Thai visa process? | Thaiger

    Can health insurance help speed up your Thai visa process?

    The Thaiger key takeaways Having the right health insurance keeps your visa process moving without unnecessary hold-ups. Showing proof of coverage early can make approvals and renewals faster. Keeping your insurance active avoids surprises and ensures smooth compliance. Applying for a long-term visa in Thailand can be tricky, with many requirements to meet. One important factor that many applicants overlook…

  • Destination GuideWhat’s the average price of a 1-bedroom condo in Bangkok? | Thaiger

    What’s the average price of a 1-bedroom condo in Bangkok?

    Bangkok’s real estate market in 2025 is thriving, with steady growth and ongoing improvements in infrastructure. The city attracts both local and international buyers, offering a range of properties from luxury condos to affordable homes. Among these, 1-bedroom condos are particularly popular, offering a practical and affordable option for young professionals, investors, and expats. These condos are ideal for those…

  • HealthOver 50 in Thailand? What your health insurance must cover now | Thaiger

    Over 50 in Thailand? What your health insurance must cover now

    Thailand remains a top choice for retirees aged 50 and above, thanks to its warm climate, low living costs, and vibrant culture. But finding the right health insurance is more important than ever. Not only does it meet the requirements for the Non-Immigrant O-A retirement visa, but it also ensures access to quality healthcare without breaking the bank. With new…

  • HealthWhy health insurance costs more each year and how expats in Thailand can save more money | Thaiger

    Why health insurance costs more each year and how expats in Thailand can save more money

    Each year, many expats living in Thailand see their health insurance premiums go up and often without a clear reason. This can be frustrating, especially when you’re trying to plan your budget. But by understanding why prices rise and learning how to manage these costs, you can stay in control of your health coverage. Knowing what causes these increases is…

  • HealthPlanning to extend your Thai visa? Why health insurance is more important than ever | Thaiger

    Planning to extend your Thai visa? Why health insurance is more important than ever

    If you plan to stay longer in Thailand, having health insurance is now more important than ever. Thai immigration often asks for proof of medical coverage when you apply to extend your visa. This applies to many types of visas, like retirement or long-term stay. Choosing a plan from a trusted company like Cigna can make the process easier and…

  • Health5 hospitals in Thailand digital nomads trust most | Thaiger

    5 hospitals in Thailand digital nomads trust most

    Thailand is still one of the best places for digital nomads, thanks to its low cost of living, comfortable lifestyle, and good healthcare system. For remote workers living far from home, having access to a trusted hospital is very important. Most digital nomads look for hospitals that meet international standards, have English-speaking staff, and make it easy to use health…

  • Phuket TravelDigital nomading in Phuket, is it still worth it in 2025? | Thaiger

    Digital nomading in Phuket, is it still worth it in 2025?

    Phuket has been a popular spot for digital nomads for many years, due to its sunny beaches, friendly international crowd, and modern coworking spaces. This year, it still draws remote workers with its low cost of living, good internet, and relaxed island lifestyle. You can work during the day and enjoy the beach or nightlife in the evening. But with…

  • HealthPre-existing conditions? These expat insurance plans still have you covered | Thaiger

    Pre-existing conditions? These expat insurance plans still have you covered

    Many expats feel worried that their pre-existing health problems will stop them from getting insurance in a new country. This fear is common, especially when medical care can be expensive. But the good news is, some insurance, like the plans you can get from Cigna, understand such anxieties and offer plans that may still cover those conditions. These plans give…

  • Thailand TravelWhat to do if you get injured in Thailand without insurance? | Thaiger

    What to do if you get injured in Thailand without insurance?

    Getting injured in Thailand without insurance can lead to high medical bills and a stressful hospital visit. Private hospitals often ask for a big payment before giving treatment, while public hospitals might delay care if you can’t pay right away. This can cause both money problems and extra paperwork. Having good health insurance can help you avoid these issues. SafetyWing…

  • HealthWhy long-term expats in Thailand say insurance is worth every baht | Thaiger

    Why long-term expats in Thailand say insurance is worth every baht

    Thailand’s warm weather, low cost of living, and good healthcare attract many long-term expats, including retirees and remote workers. Life here feels easy and affordable, but medical costs can be high if something goes wrong. Private hospitals are popular because they are modern and have English-speaking staff, but treatment can be expensive without insurance. This is why many expats see…

  • Thailand TravelHow much travel insurance should cost you in Thailand (By trip length) | Thaiger

    How much travel insurance should cost you in Thailand (By trip length)

    When planning a trip to Thailand, travel insurance is a smart investment that can save you from unexpected costs. Whether it’s medical expenses, lost luggage, or trip cancellations, the right coverage can provide peace of mind and financial protection against emergencies. While travel insurance isn’t mandatory for most visitors, it’s highly recommended for a stress-free experience abroad. The cost of…

  • Thailand TravelWhat do you need before moving from Australia to Thailand? | Thaiger

    What do you need before moving from Australia to Thailand?

    Moving from Australia to Thailand is a big step that brings exciting new experiences, a rich culture, and often a more affordable way of living. To settle in with less stress, you need to plan ahead. This means sorting out your visa, arranging good health insurance, managing your money, and learning about local rules and customs. With careful preparation, you…

  • Chiang Mai TravelDigital nomading in Chiang Mai? What US$1,000 a month really gets you | Thaiger

    Digital nomading in Chiang Mai? What US$1,000 a month really gets you

    Chiang Mai has become a popular destination for digital nomads due to its low living costs, rich culture, and active remote work community. The city offers affordable housing, tasty food, reliable internet, and many co-working spaces, making it a great place for a comfortable yet budget-friendly lifestyle. For around US$1,000 a month, digital nomads can rent a furnished apartment, use…

  • Thailand TravelThe perfect private getaway at Shan Villas Bangkok | Thaiger

    The perfect private getaway at Shan Villas Bangkok

    Shan Villas Bangkok is the perfect place for a peaceful getaway with a blend of comfort and privacy. It’s just a short distance from the best attractions and has a great location. Ideal for families, groups, or business trips, each villa is designed to offer both space and relaxation. With great facilities like a rooftop restaurant and outdoor pool, Shan…

  • Bangkok TravelDigital nomading in Bangkok? What US$1,000 a month really gets you | Thaiger

    Digital nomading in Bangkok? What US$1,000 a month really gets you

    Living in Bangkok as a digital nomad on a budget of US$1,000 (~31,100 Thai baht) a month can be both exciting and challenging. Some digital nomads feel this budget only covers the basics, while others see it as enough for a simple lifestyle in the city. In this article, we’ll break down the costs of living in Bangkok, from affordable…

  • FinanceThe future of Thailand’s startup ecosystem: Trends, tech & talent | Thaiger

    The future of Thailand’s startup ecosystem: Trends, tech & talent

    Thailand is quickly becoming one of Southeast Asia’s top destinations for startups. While the country was once known mainly for tourism and manufacturing, it’s now gaining attention for its growing tech-driven entrepreneurial scene. Government support, a young and skilled workforce, and a booming digital economy are driving this change. Cities like Bangkok and Chiang Mai are emerging as hubs of…