Everything you need to know about expat health insurance in Thailand

Expat health insurance Thailand: the ultimate guide is your go-to resource for navigating the complexities of healthcare in the Land of Smiles. Moving to Thailand is an exciting adventure, but understanding health insurance options can be a bit of a pain. Don’t worry—we’ve got you covered.

In this guide, you’ll find:

- The types of health insurance plans available for expats

- Important factors to consider when choosing a policy

- Tips for finding the best coverage at the right price

What to keep in mind before buying health insurance in Thailand?

Health insurance in Thailand is a crucial consideration, particularly for specific visa forms such as retirement visas. Above mere regulation requirements, it’s valuable in securing access to high-quality healthcare in the country.

Coverage for Medical Expenses

Careful consideration of medical expense coverage ensures you get the essential services you need:

Hospitalisation:	Includes inpatient services, surgeries, and room charges.
Outpatient Care:	Covers doctor visits, diagnostics, and minor procedures.
Prescription Drugs:	Ensures access to necessary medications.
Emergency Services:	Includes ambulance services and urgent care.
Preventive Care:	Covers routine check-ups and vaccinations.

Area of Coverage

Evaluating geographic coverage is crucial for expats:

Local Coverage:	Offers thorough access to healthcare within Thailand.
Regional Coverage:	Protects you in Southeast Asia if you travel frequently.
Global Coverage:	Ensures healthcare services worldwide, vital for international travellers.

Pre-existing conditions

Understanding policies on pre-existing conditions helps you manage ongoing health needs:

Exclusions:	Some plans exclude pre-existing conditions.
Waiting Periods:	Others impose waiting periods before coverage begins.
Higher Premiums:	Plans may charge higher premiums for pre-existing conditions.

Exclusions and Limitations

Knowing what is not covered helps avoid unexpected costs:

High-risk activities:	Activities like extreme sports may be excluded.
Elective procedures:	Cosmetic surgery and non-essential treatments often not covered.
Disease exclusions:	Certain plans exclude specific diseases or chronic conditions.

Reviewing these aspects will help you select the best health insurance for your needs while living in Thailand.

Key points

In Thailand health insurance is needed for specific visa forms, such as retirement visas.
Expat health insurance offers you access to high-quality healthcare anywhere in Thailand.
Health insurance policies for Expats are generally very flexible and customisable, allowing you to tailor your coverage to your particular medical needs.

Types of health insurance for expats In Thailand

Expats in Thailand have various health insurance options to ensure their healthcare needs are met efficiently. Knowing the different types can help you choose the best plan suited to your lifestyle.

Public health insurance

In Thailand, the government provides health insurance options for specific groups of expats. If you work for a government agency or participate in social security programmes, you might be eligible. These plans usually cover basic medical services but may have limitations on the choice of hospitals and doctors.

Private health insurance

Private health insurance offers more extensive coverage and flexibility. Many private plans cover a wide range of medical services, including specialist consultations, advanced treatments, and hospitalisation. These plans are available through local Thai insurers or international providers. Benefits often include quicker access to medical services and priority treatment.

International health insurance

For those living in Thailand but needing coverage in multiple countries, international health insurance offers the best solution. These plans cover medical expenses both in Thailand and abroad. It’s particularly useful if you travel frequently or intend to return to your home country periodically. International plans typically include medical evacuation and worldwide specialist access. By understanding these options, you can make an informed decision about the best health insurance plan during your stay in Thailand.

Travel insurance

For short-term expats or those frequently travelling, travel health insurance is a viable option. These plans provide temporary coverage, including emergency medical treatment, evacuation, and repatriation benefits. They are designed to assist during trips outside your country of residence.

Group insurance

Group health insurance provides coverage for a group of individuals, usually encompassing company employees or members of an organisation. It typically includes both community members and dependent family members, such as partners, children, and parents.

Why obtain both private and employee coverage?

Having both private and employer-sponsored health insurance can provide thorough coverage. For long-term residents, combining both types ensures you’re fully covered regardless of job status. Employer plans might cover routine care, while private policies can handle serious illnesses or accidents.

Plan coverage options for expat insurance in Thailand

Health insurance plans for expats generally fall into three categories:

Plans with inpatient cover only
Plans with inpatient and outpatient cover
Plans with thorough benefits like dental, vision, maternity, and health checkups

Essential health insurance plans

Essential plans cover inpatient expenses, including hospital stays, surgeries, and diagnostic tests. These are crucial for significant events like accidents or serious illnesses. Ensure that the plan limits are enough to cover costly medical scenarios.

Thorough health insurance plans

For those wanting broader coverage, thorough plans include both inpatient and outpatient services. This can cover routine doctor visits, diagnostic tests, and minor surgeries. They are more expensive but may be necessary for managing ongoing health issues.

Medical insurance companies often offer plans that include extra benefits like dental or maternity care. These additional features can be advantageous, providing access to a broader range of healthcare services.

Comparision between expat insurance and employee health insurance

Type of insurance	Pros	Cons
Expat insurance	Personal policies ensure you never lose coverage when changing jobs. They also allow for policy renewal up to a certain age, or even a lifetime in some cases. The ability to customise plans means you can include specific needs such as maternity care or dental.	On the flip side, researching and applying for personal insurance can be time-consuming. Additionally, the premium costs come out of your pocket.
Employee health insurance	Employer-sponsored plans save you the cost of premiums. Certain policies might include coverage for pre-existing conditions and routine healthcare.	Once employment ends, you may struggle to get another policy if you have pre-existing conditions. Also, the lack of customisation can be limiting for specific or long-term needs.

Types of area of cover (and how to choose?)

Selecting the right area of cover for your expat health insurance in Thailand is crucial. Here are the common types and how to choose the best one for your needs.

Thailand only

This type of coverage limits medical treatment to Thailand. It’s ideal if you plan to stay within the country and want to keep costs down.

Regional

Regional coverage extends to countries in Southeast Asia, like Cambodia, Laos, and Myanmar. This option is suitable if you often travel within the region.

Worldwide with excluded countries

This coverage includes most countries but excludes high-cost healthcare nations such as the United States, Japan, and Singapore. It balances broad coverage with cost efficiency.

Worldwide except for the USA

This plan covers all countries except the United States. It offers extensive global coverage while avoiding the high premiums associated with US healthcare costs.

Ask these questions to determine the best area of cover for the upcoming year.

What’s your budget?	Limiting the countries in your policy’s area of cover can make your premium more affordable. Enquire with your insurance company for a range of quotes.
Will you be travelling for extended periods?	If you travel often, ensure those countries are included in your cover. Some plans, like those from Luma, offer 60 days of coverage for emergencies and accidents outside your area of cover, ideal for short trips.
Do you want treatment flexibility?	If you prefer being treated in your home country or want access to the best doctors globally, discuss adding these options with your provider.

With personal health insurance, you are in full control of the coverage your receive.

How to obtain health insurance?

Securing the right health insurance in Thailand is crucial for expats. Follow these steps to guide the process effectively.

Research and compare policies

Research providers: Look into different insurance companies to understand their coverage and costs.
Compare policies: Examine what each policy includes such as inpatient, outpatient, and emergency care.
Evaluate extras: Check for additional benefits like dental or vision coverage.
Read reviews: Seek feedback from other expats who have used the insurance.

Choose an approved provider

Government approval: Ensure the provider is approved by Thai authorities.
Popular providers: Consider companies like Cigna, LMG, Pacific Cross, Falcon, AXA Insurance Thailand, Asia Insurance, and Aetna.
Verify Credentials: Confirm the provider’s credentials and reputation for reliability.

Contact an insurance broker

Local brokers: Visit an insurance broker in Thailand to get tailored advice.
Broker services: Brokers help with the application process, policy explanations, and document preparation.

Use online tools

Online quotes: Many insurers offer online tools to get quotes and purchase policies easily.
Convenience: Ideal if you’re not yet in Thailand, enabling you to secure insurance beforehand.
Comparison Tools: Use online comparison tools to evaluate policy options side-by-side.

Eligibility criteria

Residency: Often required to be a resident or hold a visa for long-term stay.
Age limits: Some policies have age restrictions, typically higher premiums for older individuals.
Health status: Pre-existing conditions may affect eligibility or cost.

Application process

Initial contact: Reach out to the chosen provider or broker.
Shape submission: Complete and submit the required application forms.
Interviews or assessments: Some providers may require health assessments.
Policy issuance: Once approved, the policy is issued.
Personal identification: Passport and visa copies.
Residency proof: Address in Thailand or a residency certificate.
Health records: Previous medical history and health status documentation.
Financial proof: Sometimes necessary to demonstrate financial capability to pay premiums.

Streamline the process by being prepared with the necessary information and documentation for obtaining health insurance in Thailand. This ensures you can secure the best health coverage without delays.

Public healthcare system

Free for Thai citizens: Thai nationals receive free treatment at government hospitals. If you’re a foreigner, expect to pay for services.
Challenges: Overcrowded public hospitals are common, leading to longer wait times. You may face language barriers, as English proficiency among staff is often limited.
Quality of care: Doctors are well-trained, but the quality of care can vary. Technological advancements might not match those found in private hospitals.
Higher quality of care: Private hospitals deliver superior care with state-of-the-drawing facilities. English-speaking staff are more common, making communication easier for you.
Efficiency: Expect shorter wait times and more personalised service. These hospitals are less crowded compared to public ones.
Cost: Private care is more expensive, but expat health insurance can offset costs and provide peace of mind.

Choosing between public and private healthcare depends on your needs and budget. Understanding both systems helps in selecting the right health insurance in Thailand. Expats often prefer private hospitals for their advanced facilities and English-speaking staff, making health insurance essential for covering higher expenses.

Costs and premiums

When considering expat health insurance in Thailand, understanding the potential costs and premiums is crucial.

Factors affecting costs

Several factors influence the cost of health insurance Thailand offers for expats:

Age: Premiums increase with age. A 30-year-old expat might pay 27,000-36,000 baht annually, whereas a 60-year-old could pay 72,000 to 120,000 baht.
Benefits selected: Thorough plans, including dental or maternity care, raise premiums.
Coverage area: Wider geographic coverage, specifically in regions with high medical costs, leads to higher premiums.
Number of people covered: Family policies are more costly than individual plans.
Insurance company: Costs vary based on the provider’s reputation and service quality.

Comparing premiums

To help you make informed decisions, here’s a comparison of premiums based on select factors:

Factor	30-Year-Old Expats (Baht)	60-Year-Old Expats (Baht)
Basic coverage	27,000 – 36,000	72,000 – 120,000
Thorough coverage	36,000 – 49,000	110,000 – 150,000
Family coverage (per person)	24,000 -33,000	63,000 – 110,000

Understanding these factors helps in selecting the right health insurance Thailand offers for your needs. Choose wisely to ensure you have the necessary coverage.

Special insurance needs

Understanding the specific insurance needs of expats in Thailand can make your life simpler and safer. Whether you’re moving with family, dealing with pre-existing conditions, or needing long-term coverage, choosing the right health insurance is crucial.

Insurance for families

Family health insurance should cover all members comprehensively. Essential benefits include:

Maternity coverage	Maternity coverage ensures that pregnancy and childbirth costs are covered.
Pediatric care	Pediatric care covers medical care for your children, including vaccinations and regular check-ups.
Family-specific benefits	Additional services like dental care and specialist consultations.

Choosing a policy that offers these benefits ensures your family’s healthcare needs are fully met.

Coverage for long-term visas

Holding a long-term visa like the Non-Immigrant O-A Visa requires specific health insurance coverage. Policies should include:

Outpatient costs	Covering at least 40,000 Baht.
Inpatient costs	Requiring a minimum of 400,000 Baht.

Using approved Thai insurance providers is important for visa extensions. Ensuring these criteria are met will facilitate smooth visa processing.

If you plan to stay in Thailand for an extended period of time you should consider getting personal health insurance, which will provide you with more extensive coverage for common diseases, medical visits and preventive treatments among other things, regardless of your employment status.

Health Insurance and healthcare — PHOTO: via Lee Loo the first from Pexels

What health insurance add-ons are available for expats in Thailand?

To enhance your protection, consider adding supplementary options to your health insurance. Here are some of the most common health insurance add-ons available for expats in Thailand:

OPD (outpatient department)

Your OPD expenses would be smaller if you went to a less costly hospital with no free juice and a hotel-lobby-style waiting room. If you don’t live in Bangkok, the OPD facilities you’ll need will be much less expensive. The paperwork is a near-second reason why you do not want to bother with OPD insurance. Many people despise filling out forms, mailing statements and disputing rejections. When it comes to costly long-term OPD treatment for diabetes or kidney failure, the price you pay for health coverage greatly exceeds the sums you’re likely to receive. You should also be aware that some insurance providers can consider such procedures as OPD even though you will be in the hospital for several days.

Many people despise filling out forms, mailing statements and disputing rejections. When it comes to costly long-term OPD treatment for diabetes or kidney failure, the price you pay for health coverage greatly exceeds the sums you’re likely to receive. You should also be aware that some insurance providers can consider such procedures as OPD even though you will be in the hospital for several days.

Dental

Many insurance providers recognise the necessity of dental health and thus offer dental coverage as an add-on to their policies. This typically includes your routine dental care, dealing with dental emergencies, and on some occasions, even cosmetic procedures.

Maternity coverage

For expectant mothers, maternity coverage is a wise choice. This common add-on includes thorough coverage of prenatal care, delivery, and postnatal care, thus ensuring a safe and worry-free motherhood trip.

Medical evacuation

Medical evacuation is an add-on service provided by several insurance companies. The utility varies according to where you live in Thailand and many low-cost plans would fly you to the nearest appropriate hospital rather than to your home country. It’s feasible that flying your home would be less expensive for the insurance provider than paying for an extended stay in a top-tier Thai hospital.

Health insurance for smokers

The effects of smoking on health insurance premiums are linked, and the former influences the latter. While insurance companies offer the same types of health insurance plans to smokers and non-smokers, the premiums for smokers are slightly higher.

Selff-employed health insurance

If you’re self-employed, you can enrol in flexible, high-quality health coverage through individual Health Insurance, which is designed specifically for people who own their businesses. If you own a business that generates revenue but has no employees, you should be considered self-employed health insurance.

Other terms and conditions

When purchasing insurance, you must consider the amount of paperwork involved. Here are 3 main things you must consider:

Application form

In Thailand, applying for insurance is similar to applying in other countries. Each insurance firm conducts its poll.
Insurers will ask you questions about your previous health and illnesses. Some employers inquire whether you have been rejected by other employers.

Authorisations in advance

Insurance firms can require prior authorisations before receiving hospital treatment in some cases. This is a common procedure for any non-emergency hospital visit. Prior Authorisations are also required by some insurance providers for more expensive OPD procedures such as MRIs.

Denials of claims

Health claims that have been made and processed by the payer but have been identified as unpayable are known as denied claims. These “unpayable” claims usually have a mistake or a lack of prior authorisations that was discovered after the claim was processed.

Frequently asked questions

Expats in Thailand often have many questions about health insurance. Here are detailed answers to common queries to help you guide the healthcare view.

How much does private health insurance ost?

Private health insurance costs in Thailand can vary widely. Factors such as age, health history, benefits, and coverage area affect the price. For a 33-year-old in good health, the annual cost might be around 24,000 THB. Those in their late sixties could pay significantly more. Consider comparing different providers to find the best deals.

Is medical treatment free in Thailand?

For expats, medical treatment isn’t free unless employed by a company that offers public health coverage. Public healthcare in Thailand is only free for citizens. Private health insurance is highly recommended to avoid long wait times and get better care quality.

How can I lower my premium costs?

Lowering premium costs is possible by choosing higher deductibles and copays. Opting for a basic plan or limiting your coverage area can also reduce costs. Maintaining good health and avoiding high-risk activities can help keep premiums down.

What are common procedures in Thailand?

Common medical procedures in Thailand include dental work, cosmetic surgery, and routine check-ups.

Procedure	Approximate Cost (THB)
Dental cleaning	1,000 – 1,500
Cosmetic surgery	50,000 – 200,000
Routine check-up	3,000 – 5,000

These costs are generally lower than in Western countries, making Thailand a popular destination for medical tourism.

Do expats need health insurance in Thailand?

Health insurance is essential for expats. It ensures access to quality healthcare without incurring high out-of-pocket expenses. Hospital bills can be substantial without insurance, so it’s a crucial aspect of living in Thailand.

What is 30 Baht health insurance?

The “30 Baht” health scheme is a low-cost program for Thai citizens, offering access to public healthcare services for just 30 THB per visit. Expats aren’t eligible for this scheme, so private insurance is necessary.

What is universal insurance in Thailand?

Universal health coverage in Thailand ensures all Thai citizens receive essential health services. This system doesn’t cover expats, who need private insurance for thorough care.

Can a 70-year-old get health insurance in Thailand?

Yes, several insurance companies in Thailand offer health insurance plans tailored for individuals over 60 years old.

Does Blue Cross Blue Shield work in Thailand?

Yes, the Blue Cross and Blue Shield Service Benefit Plan offers worldwide coverage, including medical care in Thailand.