Why choose The Thaiger as your Health Insurance Provider in Thailand?
The Thaiger offers a simple and easy way to buy health insurance online at your own convenience. We are here to help you choose the most suitable protection for you and your family. Get health insurance now and be worry-free wherever you are.
Why is health insurance in Thailand necessary?
Health insurance in Thailand covers all of your medical expenses, vital for expats and foreigners. Although hospitals in Thailand offer affordable treatments compared to Western countries, serious inpatient procedures such as surgeries and cancer treatments can quickly become expensive. Cigna has you covered with an expat health insurance plan.
Health insurance is necessary for several important reasons. Medical expenses for major treatments can place a significant strain on your finances. For retired expats, health insurance documentation is required for yearly retirement extensions. Policies must cover outpatient costs of at least 40,000 baht (US$1,200) and inpatient costs of at least 400,000 baht (US$12,000).
What insurance do I need in Thailand?
Health insurance is mandatory for visitors and expats residing in Thailand. Thorough coverage ensures that you’re protected from high medical costs. As insurance is mandatory, it is also important to follow mandatory health insurance rules for foreign retirees in Thailand.
Mandatory Insurance for Visitors
All visitors must hold insurance coverage for Covid-19 treatment. A minimum of US$10,000 is mandatory. Not having this insurance could result in a denial of entry into Thailand.
Insurance for Expats
Expats must have private health insurance. This can be purchased from international providers or local Thai companies.
Long-Stay Non-Immigrant O-A Visa
To apply for this visa, evidence of specific health insurance is required. Outpatient costs must be covered up to 50,000 baht (US$1,340) and inpatient costs up to 400,000 baht (US$13,400).
Local Insurance Options
Budget-friendly local insurance plans can be easily purchased from Thai companies or banks. They’re often necessary for long-term Thai visas.
Payment Methods for Foreigner Health Insurance
There are many different ways to pay for your health insurance. Here is a list of what you can do at your own convenience.
Credit or Debit cards
The most common to pay for your health insurance is to simply pay online using your credit / debit card.
Online/Wire Transfer
Banking has never been this easy, but for some, card payments are still preferred.
Cash
Historically, the most common type of payment method was cash, however, it’s not the 1980’s anymore! Cash is almost never used now.
Cheques
A cheque is a paper document that permits your bank to pay a specific amount of money to a specific person. Similarly to cash, they’re rarely used anymore!
Instalment Plans
Organise your cash flow by dividing the full payment into several intervals at a certain due date. This option is often provided with card payment.
How to get cheaper Health Insurance?
Health Insurance doesn’t always have to be expensive, following these steps may help you lower your health insurance premiums.
Customer Ratings
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Customer Reviews
8/8/2024
I was looking for a fully comprehensive global health insurance for my family and saw Cigna on Thaiger. The application process was smooth, and I quickly found multiple options that fit our needs, and I felt confident in making my choice.
Sean Fernandes
30/5/2024
You must ask the insurer whether the insurance starts on the requested date (after you pay), or whether there is a waiting period, even after you paid already, sometimes there is a waiting period, but in most cases accidents may already be covered from the moment you paid for your health insurance.
Liz Matthews
15/7/2024
I must admit that my health is not in top conditions and I have been meaning to change my insurance for a very long time, the problem is that I just never know what my options are and what package I should get. So with a not-so-successful past experience, I have left it for the thethaiger to sort out.
Michael G.
9/1/2024
As an ex pat, finding reliable health insurance can be tricky, especially in Thailand!! Cigna made it easy for me to compare different global insurance options, and I ended up with a package that covers everything i need. I appreciated the simplicity of the process and the quality of the service from Cigna.
Richard Rossi
16/7/2024
So tired of Thailand being so unclear about their products and what the benefits are, not just that but everything is also done offline, I don’t know what the thaiger is doing right now but if I can apply for my health insurance online this will be a game-changer. I have already inquired with the Thaiger and now waiting for a reply, if this works I will always be using your services.
Frank Osche
27/5/2024
thank you the thaiger for helping me understand the basics of health insurance in Thailand, I am always warry of my health and try to find the best haelth insurance in the area, i have already inquired with Cignas and they phoned me back so quick, everything sorted in a week.
Harvey Burns
Different Types of Health Insurance
There are numerous types of health insurance policies available depending on your requirements. It’s essential to make sure that you choose the right to choose the right packages to get the most bang for your buck.
Below are the different types of health insurance available in Thailand.
Family Health Insurance ensures you remain covered by the medical care and services that you deserve. This will give you peace of mind as the insurance package also extends to your loved ones.
Key Points
- Coverage for inpatient care.
- Coverage for outpatient care.
- Option to add health checkups and screening to your policy coverage.
- Option to add dental treatments to your policy coverage.
International health insurance slightly differs from Travel Insurance. International health insurance provided people relocating from their home country with a comprehensive health coverage standard for a prolonged period of time. On the other hand, travel insurance provides cover for emergency services while you are in another country for a shorter period of time.
Key Points
- Covers you when you’re living outside of your home country.
- Coverage for inpatient care.
- Coverage for emergency outpatient treatment.
- Option to add routine healthcare to your policy coverage.
- Flexible and portable plans.
After all the years of hard work, you definitely deserve to be taken care for. With health insurance for retirees, you don’t need to worry about paying for your medical bills in the slightest. Your health insurance got your back.
Key Points
- Easy access to high-quality treatment for retirees.
- Coverage for both inpatient and outpatient care.
- If you want to retire in Thailand, this type of health insurance may help you meet the health insurance requirement set by the Thai government.
- Option to have deductible amount.
Choose the insurance plan that’s right for you
Expats Insurance
Silver Plan
Worldwide or worldwide excluding USA cover
Overview
The core benefits of the Silver plan include international inpatient and day-patient cover including hospital stays and treatment.
Available additional modules:
- Outpatient
- Evacuation and Crisis Assistance Plus™
- Health and Wellbeing
- Vision and Dental
Core hospitalisation cover overview:
- Annual benefit limit: Approx 36,150,000 THB
- Full cancer care
- Inpatient and day-patient treatment
- Newborn care cover
- Private room
Expats Insurance
Gold Plan
Worldwide or worldwide excluding USA cover
Overview
Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.
Available additional modules:
- Outpatient
- Evacuation and Crisis Assistance Plus™
- Health and Wellbeing
- Vision and Dental
Core hospitalisation cover overview:
- Annual benefit limit: Approx 72,300,000 THB
- Full cancer care
- Inpatient and day-patient treatment
- Newborn care cover
- Private room
Expats Insurance
Platinum Plan
Worldwide or worldwide excluding USA cover
Overview
Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.
Available additional modules:
- Outpatient
- Evacuation and Crisis Assistance Plus™
- Health and Wellbeing
- Vision and Dental
Core hospitalisation cover overview:
- Annual benefit limit: Paid in full
- Full cancer care
- Inpatient and day-patient treatment
- Newborn care cover
- Private room
They say ‘Health is Wealth,’ so make sure to protect it.
We can never know what is going to happen today or tomorrow, so its best that we are prepared, especially when it comes to the health of our loved ones. Getting health insurance is one of the best decisions I made. Thankfully, I haven’t had the reason to use it, but I know that I can always get the care I need when I need it.
Top tip: Identify what you need to get the best plan and health insurance for you and your loved ones.
Why choose the Thaiger?
As much as we try to avoid it, accidents can happen. Anywhere and anytime. No one can prevent illness or injury, but you can always prepare yourself for the financial aspects that come with it. At The Thaiger, we ensure that our health insurance plans cover everything you need, all at an affordable price.
The Thaiger have complied and compared the best options, so you can save time and get instant coverage. We are here for you when you need us the most.
Join the many satisfied customers who’ve got their Health Insurance with The Thaiger.
Other Interesting Insurance Policies
Although health insurance offers comprehensive coverage and generous support for our health, you may want to check out the following insurances for a higher quality of life.
Life Insurance
Life insurance pays a lump sum, known as a death benefit, to your beneficiaries in the case of a death.
Personal Accident Insurance
Personal Accident (PA) insurance ensures coverage during emergency cases such as accidents, impairments, life-changing conditions or even death.
Cancer Insurance
Protect yourself and your loved ones from cancer and the financial hardship it may cause.
Tropical Disease Insurance
Get protection against mosquito-borne diseases such as Dengue Fever, Malaria and more
Health Insurance Exclusions to watch out for
Unfortunately, health insurance can’t cover every aspect related to your health. Every plan has its limitations, so it’s best to plan around the exclusions before making the final decision.
The exclusions may differ depending on the specific policy you want to purchase. However, health insurance plans generally don’t cover the following things:
Alcoholism
Treatments for alcohol and substance abuse are common exclusions for health insurance in Thailand. Your insurance provider might not cover you if you get hurt while under the influence of alcohol either.
Disasters and Terrorism
Insurance companies will not cover you if you were to take part in any crimes or acts of war. In addition, some insurance companies won’t cover your treatment if you get hurt in the event of a natural disaster.
Pre-Existing Conditions
In most cases, pre-existing conditions are not covered by health insurance policies. Any disease that you already have before purchasing the insurance policy is considered a pre-existing condition. Conditions include kidney stones or arthritis. However, health insurance policies will usually cover any new conditions in full.
Chronic Diseases
Some insurance companies may limit your coverage of chronic diseases. You may have to purchase additional critical illness insurance if you want chronic diseases, such as stroke and heart attack, to be covered.
Sexually Transmitted Diseases (STDs)
Sexually transmitted diseases (STDs) are usually not covered by health insurance policies. In some cases, your insurance company may offer limited coverage for HIV treatment.
Motorcycle Accidents
Some health insurance plans don’t cover any injury caused by motorcycle accidents. If you plan to ride a motorcycle, it’s best that you purchase a personal accident insurance policy.
Sports
Health insurance policies usually exclude professional or organised sports. Recreational activities like a game of football with friends may be covered, but as soon as you play it professionally or the sport becomes organised, exclusions may apply. Dangerous activities, such as paragliding, are usually not covered as well. Therefore, if you’re planning to participate in any sport or high-risk activities, be sure to carefully check your health insurance exclusions.
Group Health Insurance
Health insurance Thailand can help protect you from unexpected accidents. However, it only covers your own medical expenses. If you have a business with one or more employees, group health insurance may be more a more beneficial option.
Group health insurance helps you and your employees pay for medical expenses should an unforeseen situation occur. It is usually more cost-effective than individual health insurance. The amount of service covered may vary by plan, but in general, it will help you and your employee pay for various medical treatments, including regular doctor checkups, treatments for accidents, and care for long-term illnesses.
Frequently Asked Questions About Health Insurance
There are many options for you to get affordable health insurance in Thailand. You can do more research into which insurance plan suits your needs the most, you can get financial assistance depending on your income/budget or, you can consider getting a short-term plan.
You can cancel health insurance at any time but you can’t switch to a new plan right away. For instance, if you don’t like your current insurance and you’d like to switch to a different insurer, you’d have to wait until the end of your current policy.
According to the current law in Thailand, you can add or keep your children under your health insurance plan until they turn 26 years old. They can still be on the plan even if they are not living with their parents or if they get married.
For expats seeking health insurance in Thailand, the most common options are maternity health insurance, family health insurance, and international health insurance.
Expat insurance, also known as Global Medical Insurance, is an international health insurance package designed for expatriates and people living or working abroad. These policies provide coverage both in the individual’s home country and abroad.
Expat insurance offers essential medical services, including preventive care, surgery, prenatal care, prescription medication, medical evacuation, hospice or home health care, chiropractic treatments, and acupuncture, among other benefits.
Yes, in the application, you can include your spouse and dependents. Dependents may be expected to complete a separate application again once they are over a certain age.
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