Top 10 reasons for expats to get a comprehensive health insurance in Thailand
Moving to Thailand offers a prospect full of excitement and adventure, but in the same vein, if any injuries were to occur (and god forbid it does), the local healthcare system can be confusing at first glance for many expats who are just settling in the Kingdom.
From unique health risks to high costs at private hospitals, having a comprehensive health insurance plan is essential. Here are the top 10 reasons why securing health insurance is one of the smartest decisions for expats in Thailand.
1. Unique health risks in Thailand
Thailand’s tropical climate is home to various health risks that expats may not be familiar with. Diseases like dengue fever and air pollution-related respiratory issues are more common here than in other countries. Plus, Thailand’s tropical humidity can worsen conditions like skin infections and allergies. Comprehensive health insurance ensures you’re covered for these unique risks, giving you access to the right treatments when needed.
2. Costs of private healthcare for foreigners
Thailand is home to world-class private hospitals, but without insurance, treatment can be expensive. Basic consultations can range from 1,500 to 3,000 baht, while hospitalisations for more serious conditions can cost tens of thousands.
These numbers may not break the bank initially, but they do add up. A few checkups monthly, and these costs are secretly incurred in the background. It goes without saying that a comprehensive insurance plan is crucial to help cover these costs, making quality healthcare affordable and accessible.
3. Limited coverage of the public healthcare system
Thailand’s public healthcare system is primarily intended for locals and often doesn’t meet the standards or preferences of expats. While it’s affordable, along with long waiting times, the public system may lack English-speaking staff.
For expats relying only on public healthcare, these limitations are reason enough to opt for private healthcare, which offers coverage for private facilities, where you can get faster service and English-speaking medical professionals.
4. Peace of mind for families
For expats with families, having health insurance provides peace of mind. Knowing that your loved ones are protected in case of illness or accident makes life abroad less stressful. Comprehensive family health plans cover everything from routine doctor visits to emergency care, ensuring everyone’s health is well taken care of.
5. Access to top-tier medical facilities
With health insurance, you gain access to Thailand’s best private hospitals, like Bumrungrad International Hospital and Bangkok Hospital, known for their high standards of care. These facilities offer cutting-edge medical technology and English-speaking staff, making it easier for expats to navigate their health needs comfortably.
6. Coverage for emergencies and evacuations
Emergencies happen when you least expect them. In the event of a severe accident or critical health issue, medical evacuation may be necessary, especially if you’re in a remote area. Evacuations can cost up to US$100,000 (around 3.6 million baht). Comprehensive health insurance with evacuation coverage ensures you can access specialised care without the financial burden.
7. Preventive care benefits
Staying healthy is just as important as treating illness. Health insurance often includes preventive care benefits, such as annual check-ups, vaccinations, and screenings. Regular check-ups help detect health issues early, making it easier to manage your health proactively.
8. Mental health support
Living in a new country can be as challenging as it is exciting. Many expats experience homesickness, stress, or anxiety as they adjust to a new culture. Comprehensive health insurance often includes mental health support, covering counselling or therapy sessions to help you manage your emotional well-being.
9. Long-term financial protection
Healthcare costs can add up over time, especially as you age. With health insurance, you’re protected from the financial burden of long-term treatments and chronic conditions that arise with age. Insurance helps manage the cost of medications, doctor visits, and necessary treatments, ensuring you’re financially secure in the long run.
10. Visa requirements for health insurance
Certain long-stay visas in Thailand, like the retirement visa, require applicants to have health insurance. Meeting these requirements ensures your visa eligibility and provides a solid foundation of health coverage.
Don’t leave your health to chance in Thailand
Health insurance in Thailand ensures that, if something unexpected happens, you’re covered for essential treatments, specialist visits, and even emergency care.
Cigna’s expat health plans offer a range of benefits tailored for expat life in Thailand, helping you safeguard not just your health but your financial stability. Take proactive steps now to avoid future worries and ensure peace of mind for you and your loved ones.
What Cigna can help you with:
- Meeting visa requirements: Like we mentioned earlier, if you’re applying for a long-stay visa such as a retirement visa, Cigna’s plans meet Thailand’s health insurance requirements. This ensures that you have the necessary coverage to secure your visa.
- Access to leading hospitals: With Cigna, you gain direct access to top-tier hospitals in Thailand, such as Bumrungrad International and Bangkok Hospital, which provide quality medical care and English-speaking staff.
- Mental health support: Cigna’s plans include mental health services, so you can access counselling or therapy when needed, promoting emotional well-being as you settle into life abroad.
- Long-term financial security: From managing costs for prescription medications to covering emergencies and evacuations, Cigna’s comprehensive plans offer financial stability, letting you focus on living well without unexpected financial worries.
Choosing a health insurance plan with Cigna ensures you’re prepared for both routine and unexpected healthcare needs, letting you enjoy your expat experience in Thailand with confidence and security.
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