Why choose The Thaiger?
Choosing The Thaiger for Family Health Insurance represents an informed decision. The important benefits include various custom insurance plans, professional guidance, and collaborations with reputable international partners.
What is Family Health Insurance?
Family health insurance is a single policy that protects you and your whole family. It can also be tailored to suit the specific needs of your family, such as providing inpatient and outpatient services or dental plans.
Your family’s health insurance provides the medical coverage you’ll need to keep up with medical costs.
Are You Eligible to Get Family Health Insurance?
Not everyone might be eligible for family health insurance. Below are some of the requirements you need to meet in order to purchase family health insurance.
Resident Status and Eligibility
Determining eligibility for family health insurance hinges on several factors. Primary among these is resident status. To proceed, individuals living in Thailand have a greater likelihood of approval.
Citizenship and Legal Residency
Citizenship or legal residency is one qualification for family health insurance. With a mandate to extend coverage to families living in Thailand, insurers like Cigna generally require legal residency or citizenship as proof of eligibility.
Age Considerations
Age also impacts eligibility. Mostly, the age cap for dependents on a family plan is 21. However, this could extend up to 26 in certain cases, for instance, if the dependent is a full-time student.
Family Size Flexibility
The size of the family, for the most part, does not restrict eligibility. From single parents with one child to families with five or more children, a wide range emerges in terms of eligibility. Cigna offers tailored plans to fit both small and large configurations, demonstrating a commitment to inclusivity.
Income and Policy Approval
Income does not dictate approval for a policy, contrary to popular perception. Insurance companies like Cigna view income not as a constraint, but as a factor in determining the affordability of a plan. It’s essential, therefore, that individuals assess their financial capacities against the cost of premiums.
Pre-existing Conditions
Bear in mind, that pre-existing conditions won’t necessarily withhold insurance access. Cigna, for example, devises strategies to manage such conditions and integrate them into the plan, albeit factoring in a possible elevation of the premium.
Important details to look at before buying a family health insurance package
In purchasing a family health insurance package, several crucial considerations require your attention. Grasping these facets can lead you toward an informed, cost-effective choice that best suits your family’s needs.
Customer Ratings
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Customer Reviews
7/12/2020
I have taken a health insurance for my family, the policy coverage was exactly what I was looking for and covers all network of hospitals in Thailand.
Johnny K.
12/2/2021
The best insurance services, Thaiger provide me with very good services throughout the whole process. It was quick and very simple, I just had to give them my detail and they contact me back so fast.
Bradley L. Thomas
28/12/2020
What a wonderful service from start to finish, it was so simple, efficient and friendly absolutely fabulous. My family health insurance needed a lot of effort well done, Thiager!
Harold Smith
2/3/2020
All is conveyed in such a straightforward and succinct manner. Inclusions and exclusions were clearly explained, allowing me to choose the best product at the best price. I was able to provide healthcare for my whole family without burning a whole in my pocket. Thank you!
James Hult
14/1/2021
Simple and very good service thanks so much for your help. I haven’t received my policy yet, but it should be arriving in a couple of days.
Judy Suwanpanit
28/8/2020
I got family health insurance coverage for my family. Recently my mother underwent surgery in a network hospital. I got a cashless claim settled on Thaiger, it was so quick and simple for me. Wow!
Melissa M.
What are the coverages of family health insurance?
Your coverage is what you’ll be paid for if you or a family member becomes ill or injured. Coverage options vary depending on the type of packages you choose. Here are some general coverage options to consider when shopping for insurance plans.
Inpatient coverage involves insurance for the period of a hospital stay for treatment. In essence, even the most basic policies incorporate this coverage to pay for hospital rooms, operating rooms, professional fees for doctors and nurses, surgical fees, and provisions for rehabilitation and prosthetics.
Key Points:
- Hospital rooms
- Operating rooms
- Nurses and doctor fees
- Surgical fees
- Rehabilitation and prosthetics
Despite being a feature of more premium health insurance, outpatient coverage does significantly expand your policy scope. Outpatient facilities expand the spectrum of care to treatments received without hospital admission; increasing your premium slightly adds to the protective umbrella of insurance.
Key Points:
- Medication
- Doctor fees
- Therapy
Thorough health insurance policies often include coverage for regular health checkups. This ensures complete health scans like PAP tests, prostate checks, and early warning tests are within financial reach for the insured family.
Key Points:
- Health scans
- (Pap Smear) test
- Check up for prostates
In Thailand, dental coverage is typically an add-on feature bundled with premium insurance plans. Incorporating dental add-ons to your family insurance plan takes care of potential oral health expenses for all insured family members.
Key Points:
- General dental treatments
- Orthodontics
- Bridges and implants
A thorough family health insurance covers eye care for all insured family members. This includes benefits and other accessories related to eye care, ensuring all vision-related healthcare needs are met.
Key Points:
- your family gets glasses, frames and contact lenses
- coverage for vision
- laser treatments
Expecting families find solace in maternity coverage offered by family health insurance plans in Thailand. It ensures coverage for prenatal, delivery, and postnatal expenses, offering necessary financial support during this crucial life experience.
Key Points:
- pregnancy and delivery costs
- unexpected complications
- newborn care
The Thaiger’s Partners
Our life is based and revolves around our families.
To shield your family and financials from any unforeseen events, having family health insurance is a must.
Top tip: Get the best family health insurance premiums that is benefits you and your family.
Why is Family Health Insurance Important?
In understanding the role of family health insurance, it’s fundamental to acknowledge the escalating costs of healthcare services in Thailand. Financial stability stands threatened when met with hefty medical bills, making insurance a necessity rather than an accessory.
Through partnerships with renowned companies like Cigna, I ensure families access to thorough insurance plans. The inclusion of multiple facets— inpatient care, outpatient assistance, routine check-ups, dental procedures, vision tests, and maternity services— makes these plans all-encompassing.
Cigna, a leader in the industry, prides itself on the spectrum of coverage extended to insured families. For instance, under Cigna’s family health insurance plans, Thailand’s residents receive not only preventive care but also critical support during serious illnesses. The financial burdens ease considerably with these plans, facilitating peace of mind for policyholders.
Also, insurance allows for preventative medicine—an underrated aspect of healthcare. Regular check-ups, part of Cigna’s family health insurance, permit early detection, thus preventing conditions from escalating. Affordable dental and vision checks mean families no longer consider these luxury services.
Maternity services, too, become accessible, diminishing worries regarding exorbitant childbirth expenses. For those starting a family or planning for more members, reassurances of financial support during childbirth mean focussing on the joy of parenthood rather than the impending costs.
Join the many satisfied customers who’ve got their Family Health Insurance Insurance with The Thaiger
Other Recommended Insurance
In case you and any member of your family get sick or unexpectedly get injured, family health insurance is important to help cover the bills that you cannot afford. Check out the other health care products you might be interested in, in the future below.
Tropical Disease Insurance
Get protection against mosquito-borne diseases such as Dengue Fever and more
International Health Insurance
International health insurance is meant to provide people relocating from their home country with a high standard of health coverage for a prolonged period of time. Get covered and have safe and protected travel anywhere in the world.
Cancer Insurance
Protect yourself and your loved ones from cancer and the financial hardship it may cause.
Personal Accident Insurance
Get covered with PA insurance to ensures coverage during emergency cases like uncertain accidents, impairments, life-changing conditions or even death.
Other types of insurance
There are other sub-products that is also connected to family health insurance that you might be interested in.
Health Insurance for Smokers
Health insurance companies offer the same plans to smokers and nonsmokers. although Premiums may vary for those who smoke more than 10 cigarettes a day.
Self-employed Health Insurance
With self-employed health benefits, you have complete control over the insurance policies you want and the coverages you want to be included in your premiums. The only limit is your decision.
Health Insurance for Retiree
After all those years of hard work, you certainly deserve the best from what you’ve achieved, particularly now that you’re retired. And if you live alone, you don’t have to think about medical costs or maintenance medications, nor do you have to be concerned about your health. You’re covered by your health benefits.
Whole Life Insurance
Whole-life insurance is a type of permanent life insurance that guarantees that the insured person is safe for the remainder of his life as long as the premiums are paid on time.
Critical Illness Insurance
Get coverage for most serious medical conditions such as heart attack, stroke, AIDS, terminal disease or cancer.
International Health Insurance
International health insurance is meant to provide people relocating from their home country with a comprehensive standard of health coverage for a prolonged period of time. It’s different from travel insurance, which provides cover for emergency services while you are in another country for a shorter period of time.
An international health insurance plan provides a variety of covers appropriate for someone who has been employed and living for a year or more outside their home country. International health insurance includes, among others: surgical and emergency evacuations; costs for medical care; maternity coverage; access to doctors and prescription drugs.
Frequently Asked Questions about Family Health Insurance
Family health insurance is a form of health insurance that provides a single insurance package for the whole family. As per the needs of your family, it can be personalized further. Your family provides the health care benefits needed to cover rising medical costs.
Having a health insurance plan for your family will greatly help you escape high medical cost and will leave your mind in peace during emergency situations. It covers costs for pre & post hospitalization, doctor consultation, ambulance care and other medical expenses in the event of sickness and injuries.
Family health insurance covers many healthcare services, including inpatient and outpatient care, regular check-ups, dental, vision, and maternity services. For example, Cigna’s family health insurance plans offer thorough coverage, ensuring families can access the healthcare they require without worry.
Family plans typically cost twice as much as the person when deciding a deductible. The same applies to the overall out-of-pocket, which is the most that an individual has to pay during a policy period.
The premium cost goes up depending on the number of individuals covered by adding a partner or a child to a health plan. Yet, for those with more members, there is an exception. If there is one package for three or more children under the age of 21, the subscriber would only pay premiums for the three oldest ones.
Most Thai banks provide expatriates with medical insurance. You need to have a work permit as well as a valid visa that is valid for at least a year. Usually, insurance is effective after a month, so you need to wait 30 days before seeing your doctor. Generally, Thai banks offer cheaper insurance than any other firm.
In most cases, if you receive care at a designated network hospital, medical center, or clinic in Thailand, insurers can pay for the treatment directly. If you contact the Customer Service team prior to insurance treatment, you can contact the insurer directly to arrange direct billing.
Inquire Now to Receive your Family Health Insurance Quotes