Health Insurance FAQ

Check out the most frequently asked questions about health insurance.

Is Health Insurance a Requirement For Expats in Thailand?

Health insurance is now required for foreigners aged 50 and more seeking a long-term stay in Thailand under the Non-Immigrant Visa “O-A” (Long Stay 1 year) and Non-Immigrant Visa “O-X” (Long Stay 10 years).

The new law mandates that the applicant or visa holder must have health insurance that covers outpatient medical costs of at least 40,000 baht and inpatient medical costs of at least 400,000 baht. Domestic or foreign insurers may offer policies but the total cost of foreign policies must not be less than the total cost of Thai policies.

By requiring international retirees to have health insurance, they can be assured that they will be cared for if they become ill or have an accident. This measure, on the other hand, was put in place to prevent foreigners from evading hospital fees by fleeing the country.

Key Points

  • Health insurance for foreigners over the age of 50 is a mandatory requirement.
  • Retired Expats must now show proof of health insurance to be able to qualify for yearly retirement extension.
  • Select the policy that best meets your needs rather than the cheapest deal will save you time and money in the long term.

Does Low-Cost Health Insurance in Thailand Adequate for Unexpected Medical Expenses?

If you are looking for low-cost health insurance in Thailand that will cover emergency hospital bills, we recommend focusing on plans that provide extensive in-patient treatment coverage and not so much outpatient treatment coverage. Getting more in-patient coverage will ensure that you can afford in-patient treatment if you have a serious medical problem. Many Expats prefer to choose this type of plan to give them the extra peace of mind and security need when the unexpected happens.

How Can Expats Pay For Health Insurance Premiums?

Here are several simple and convenient payment options that will be allowed in all Thai hospitals:

Credit or Debit Card – Using our online payment facility for credit and debit cards, you can pay for your health insurance in Thailand quickly and securely.

Online Banking Transfer – Using your online banking app you transfer the entire amount anytime and anywhere.

Rabbit Line Pay – If you have a Rabbit Line Pay account, you can pay for your Thai health insurance policy with a credit or debit card linked to your account.

QR Payment – QR payment is available through the 2C2P platform for a quick and easy transaction.

Instalment Plans – Health insurance in Thailand can be paid for in instalments for foreigners with a Thai bank account, assuming you have an account with a participating bank.

Compare various health insurance policies in Thailand and choose the one that best meets your needs and fits your budget.

How Can Health Insurance Help You As an Expat Living In Thailand?

The primary benefit of medical insurance in Thailand is the coverage for serious illnesses that necessitate hospitalisation, but you will also benefit from a number of other benefits such as a network of leading hospitals in Thailand accepting direct payments from your insurer, annual coverage, tax-deductible, no medical examination required and a 15-day free cancellation option.

Whatever type of Thai health insurance policy you choose, you will receive all of the benefits listed above and more. If you are planning a trip to another country, you can also review travel and personal accident insurance policies, which can also include Expat medical insurance.

In Thailand, health insurance provides diverse, continuous coverage as well as flexable.

What Factors Causes Your Health Insurance Premiums to Change?

1. Your premium will change based on the history of your personal claims.

    • If the insured has claimed more than 5 to 10 times the total paid premium, the premium will be increased by 50% from the initial premium.
    • If the insured has claimed more than 2 to 5 times the total paid premium, the premium will be increased by 25% from the based premium.

Please keep in mind that the premium increase cannot be more than 50%, which is calculated by dividing the amount of the claim by the total paid premium from your first year to the current year.

2. If the insured makes no claims during the year, you will receive a No Claim Bonus of 10% off your next renewal year calculated using the premium table and age range.

What Medical Conditions Do Health Insurance in Thailand Cover?

Cancer, coronary disease, acute myocardial infarction, stroke, viral encephalitis, kidney disease, liver failure, Parkinson’s disease, and brain aneurysms are among the conditions that providers cover for both locals and Expats. In Thailand, health insurance usually excludes chronic, genetic diseases, sexually transmitted diseases, or congenital defects.

It is also important to keep in mind if you have a pre-existing condition before purchasing private health insurance in Thailand, as your coverage will not cover the cost of any future medical treatment related to this condition.

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