What you should know about health insurance in Thailand as an expat, what is the difference between health insurance and travel insurance, what are the costs and what are the most well-known insurance companies in Thailand?
If we plan to stay longer in Thailand and find a job or start a family, it is good to consider Thai health insurance for expats. The cost of such insurance for a year is relatively high, but it covers most expenses for inpatient services. Unlike travel insurance, this one has a very wide range. It is addressed to people who want to stay in the “land of smile” for a long time. It is possible, therefore, to cover the costs of serious treatments, including those resulting from chronic diseases, cancer, costs of dental treatment or pregnancy and delivery.
What is the difference between travel insurance and Thai health insurance for expats?
Travel insurance covers you in case of accidents and emergencies, delayed flights, lost luggage, damages done to your property, or if you happen to damage other people’s possessions. In the case of health problems, travel insurance covers only accidents or sudden illness (such as dengue), not associated with previous illnesses. This type of insurance is usually relatively cheap.
Health insurance covers not only costs related to accidents but also serious diseases, often dental care, specialists and maternity leave. However, it is important to remember about the waiting period, on which the reimbursement of costs often depends. Insurance plans differ in terms of the range of services offered and the price. The annual cost of health insurance varies from 6,000 to 20,000 baths and more. More expensive packages even cover the costs of evacuation and repatriation.
What are most known insurance companies and what is the costs of Thai health insurance for expats?
Basically, in Thailand, we have two types of health insurance to choose from. The first is the government Social Security Insurance (SSI), and the second is the private, non-governmental insurance. In order to benefit from government insurance, you must be employed by an employer who covers the cost of insurance. Unfortunately, few companies offer this type of benefit.
Among private companies, few of the most well-known in Thailand are listed below:
One of the companies that offer health insurance for expats is the British BUPA. Is the largest health insurance company in Thailand and the best known among expat society. It offers insurance policies, which prices start from 10 baths per day (33 cents) for the most basic health care plan. More expensive packages cover the costs associated with major treatments, the cost of chemotherapy or surgery. They also offer maternity health insurance and dental care. Many people choose BUPA because they have English staff available 24 hours, which, combined with the largest network of hospitals, makes them very competitive. Excellent on best plans, average on lower plans. It has trusted brand reputation.
AXA is a large and recognizable international insurance company, which is why many expats decide to use their health insurance offer. The costs of the insurance policy are quite high compared to other companies, but they offer different packages for different budgets. What distinguishes AXA is the lack of waiting periods in the case of medical claims and this is their unquestionable advantage.
This Worldwide health insurance, which is gaining significant growth in Thailand, is one of the most serious competitors for BUPA. They have a diverse selection of policies depending on the available budget.
Unfortunately, dental health care is excluded from their offer except as necessitated by accidental injuries. Pacific Cross has a separate branch that deals exclusively with expats for whom they have English-speaking staff. In addition, they have worldwide assistance via Assist America Hotline.
NZI Insurance Thailand
Formerly Royal And Sun Alliance Insurance Thailand, NZI Insurance offers health care plans that are easy to understand and adaptable to individual needs. Due to the fact that they accept new policyholders up to 74 years and have no cut off age for existing ones, they are often chosen by retirees. NZI Insurance Thailand is considered one of the best insurance companies in Thailand with world-class service, however, it is not the cheapest. Insurance policies cover medical check-ups and treatment, emergency evacuation and repatriation, nursing at home, organ transplantation and more.
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