Why choose The Thaiger as your Health Insurance Thailand Provider?
The Thaiger offers a simple and easy way to buy health insurance online and at your own convenience. We are here to help you choose the most suitable protection for you and your family, get health insurance, and be worry-free wherever you are.
What is Health Insurance in Thailand, and why is it necessary in Thailand?
Health insurance in Thailand covers your medical expenses, which is vital for expats and foreigners. Hospitals in Thailand offer affordable treatments compared to Western countries. However, serious inpatient procedures such as surgeries and cancer treatments can become expensive.
Health insurance becomes necessary for several important reasons. Medical expenses for major treatments can significantly strain 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 (£900) and inpatient costs of at least 400,000 Baht (£9,000).
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.
Mandatory Insurance for Visitors
All visitors must hold insurance coverage for COVID-19 treatment. A minimum of $10,000 USD is mandatory. Not having this insurance could result in entry denial.
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 ($1,340) and inpatient costs up to 400,000 Baht ($13,400).
Local Insurance Options
Budget-friendly local insurance can be easily purchased. Thai companies and banks offer these plans. They’re often necessary for long-term Thai visas.
Payment Methods for Foreigner Health Insurance
There are many different options and many ways to choose to pay for your health insurance. Here is a list of what you can do at your own convenience.
Credit or Debit cards
You can pay your health insurance Thailand quickly, securely and without any hassle using your credit and debit cards.
Online/Wire Transfer
Banking has never been this easy, you can now pay for your health insurance in full at your home.
Cash
The most common type of payment method is cash, get your premium simple, fast and efficient.
Cheques
A cheque is a paper document that permits your bank to pay a specific amount of money to a specific person.
Installment Plans
Organize your cash flow by dividing the full payment into several intervals at a certain due date.
How to get cheaper Health Insurance?
Health Insurance doesn’t always have to be expensive, following this set of steps may help you lower your health insurance premiums.
Customer Ratings
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Customer Reviews
8/12/2020
Health insurance sounds scary but personally, I think it’s something that you should consider and learn the importance of health insurance as you’ll never know when you’ll be needing it. Thank you for making this process very easy and simple.
Brian Cooper
30/12/2020
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 Mathew
15/12/2020
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.
Garray Sulivan
9/1/2021
All the information is there, now is a matter of what product to choose, from what I understand there are a few products we can choose from with different levels coverages.
Richardson Ross
16/12/2020
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.
Jordon Smith
27/12/2020
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 the website and asked for their team to get back to me as soon as possible.
Henery Burns
Different Types of Health Insurance
There are numerous types of health insurance policies available to meet your requirements. It’s essential to make sure that you choose the right type of health insurance to get the most benefit.
Below are the different types of health insurance available in Thailand.
Family Health Insurance ensures that you and your family members have the chance to get the services and medical care you deserve. This will give you peace of mind and stay worry-free, as the insurance will also cover your loved ones
Key Points
- Coverage for inpatient care.
- Coverage for outpatient care.
- The option to add health checkups and screening to your policy coverage.
- The option to add dental treatments to your policy coverage.
International health insurance is not the same as Travel Insurance. International health insurance is meant to provide 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.
- The option to add routine healthcare to your policy coverage.
- Flexible and portable plans.
After all the years of working hard, you definitely deserve the best out of what you worked for, especially during your retirement age. With health insurance for retirees, you don’t need to worry about your medical bills and maintenance medicines or worry about your health even if you’re living alone. 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.
- The option to have deductible amount.
Choose the insurance plan that’s right for you
Sum Heart Attack and Stroke Insurance
How can a Heart Attack and Stroke Insurance policy benefit you?
- Choose affordable coverage with benefits from ฿150,000 to ฿2,250,000.
- We pay you or a designated person directly, regardless of other insurance.
- Use the cash freely for anything you need, including:
- Deductibles, coinsurance, copays
- Medications
- Extended stays or rehab
- Daily living costs (rent, groceries, childcare, etc.)
- Unexpected expenses (travel, etc.)
- Covers you and your dependents.
- Protects you from heart attack, stroke, transplant, angioplasty, bypass surgery, and more (details in the policy).
- Guaranteed renewal for life – you’re always covered.
- Available for ages 18-99.
Whole Life Insurance Product
How can a Whole Life Insurance policy help you?
- Secure your legacy and ease your family’s burden:
- Cover funeral & cremation costs.
- Protect your family’s savings.
- Fund grandchild’s education.
- Donate to your favorite charities.
- Pay off debts like mortgages.
- Choose coverage from $2,000 to $25,000.
- Builds cash value (starts year 3) accessible through loans or withdrawal.
- Optional accidental death benefit (extra cost, may vary by state).
- Guaranteed fixed premiums – no future price hikes.
- Apply with your spouse and get a 5% discount on both policies.
- Flexible options to fit your needs and budget.
- Ages 50-85 eligible, with coverage for spouses.
Hospital Indemnity Insurance
How can Hospital Indemnity Insurance help you?
- Receive a fixed benefit directly to you upon hospitalization. (amount you selected when applying)
- Use the money for any expenses, including:
- Deductibles, coinsurance, copays (no network required)
- Medications
- Extended stays or rehab
- Daily living costs (rent, groceries, childcare, etc.)
- Flexible plans to fit your needs and budget.
- Coverage continues after each hospitalization.
- Includes coverage for you and your dependents.
- Guaranteed renewable policy for life.
- Available for ages 50-85.
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 Plusâ„¢
- 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
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 Plusâ„¢
- 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
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 Plusâ„¢
- 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. No one can prevent illness or injury, but you can always prepare yourself for the financial aspects. Therefore, we ensure that our health insurance plans cover everything you need 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 to be there 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
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 following your death.
Personal Accident Insurance
Get covered with Personal Accident (PA) insurance to ensures coverage during emergency cases like uncertain 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 and more
Health Insurance Exclusions to Watch For
Unfortunately, health insurance can’t cover every aspect related to your health. Every insurance plan has its limitations, so it’s best to carefully go through all the exclusions before purchasing any health insurance.
The exclusions can be different 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 in health insurance Thailand. Your insurance might not cover you if you get hurt under the influence of alcohol as well.
Disasters and Terrorism
Insurance companies will not cover you if you take part in crime or war. In addition, some insurance companies won’t cover your treatment if you get hurt due to 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 prior to purchasing the insurance policy is considered a pre-existing condition. These can include kidney stones and 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 check your health insurance exclusions carefully.
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 beneficial for you. 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 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 Thailand, either you can research about it to see what insurance plan suits your need the most or you can get financial assistance depending on your income/budget or a short-term plan.
You can cancel health insurance any time but you can’t buy a new plan at any time. For instance, you don’t like your current insurance and you’d like to switch to a different insurer: You’d have to wait for the end of your 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’re married.
For expats who are trying to get health insurance, maternity health insurance Thailand, family health insurance, and international health insurance are the most common ones.
Expat insurance is an international health insurance package intended for expatriates and other people living or working abroad, also known as Global Media Insurance. Expat health insurance policies cover both within and outside the home country of the individual.
Expat insurance provides critical medical facilities, including, though not limited to, preventive treatment, surgery, prenatal care, prescription medicine, medical evacuation, hospice or home health care, chiropractic services and, among other benefits, acupuncture.
Yes, on one application, you can include your spouse and dependents. Dependents may be expected to complete a separate application over a certain age.