Please enter your username and password here:Forgot Password?
Please enter your details here:or Login
Thailand is not a country where private health insurance is popular. Only about 10% of the population has it. As expats are not given much healthcare assistance by the Thai Government, private health insurance is nonetheless strongly advisable. In other words, expats are likely to be in the 10% insured privately.
Private medical insurance may be part of salary packages offered by employers in Thailand. If you are not in this situation, it is advisable to get your insurance arrangements in order as soon as possible.
Private health insurance premiums generally start at around $2,000 per year.
Direct billing and upfront payments
Full upfront payment is not always required, as hospitals may be happy to collect your insurance details. This will depend on your insurer though, as some insurance policies require the patient to pay first and then to apply for reimbursement.
Apart from this, you should be prepared to pay immediately if you are uninsured, or if your insurance policy does not cover you entirely.
Prior insurer approval
If you are going to see a doctor in Thailand, you should let your insurer know before booking an appointment. Failure to do so may result in a claim being rejected.
Check with your insurer the applicable procedure for that matter. Usually, there is no need to do this in an emergency.
Health and life insurance
Some Thai insurers sell health insurance in combination with life insurance. This is because such arrangements could attract tax relief before.
Should you require health insurance only, you should make sure you are not in fact going to pay for life insurance.
Chronic and pre-existing conditions
For expats with chronic or pre-existing conditions, it is going to be hard to find private health insurance coverage in Thailand.
In such cases, you might wish to check if you can keep health insurance coverage with the social insurance scheme of your home country, if there is any.
Where to apply?
There are over 30 insurers in Thailand. Reputable names include AxaPPP; Bangkok Insurance; Bupa International; Cigna International; Dhipaya Insurance; and Thai Health Insurance.
You should check the geographical coverage of your existing insurance policy, if you have any.
If you have a foreign policy but you haven’t been sold it as an international insurance cover specifically designed for expats, your policy is unlikely to work in Thailand. In that case, you should let your insurer know that you are moving to Thailand, and switch to an international cover. Your insurer is likely to charge you extra for this, but do bear in mind that the very fact of being insured in several countries carries an extra burden as well.
A good international cover would insure you against:
If you are coming to Thailand only for a temporary visit, you probably don’t need international health insurance if you have appropriate travel insurance.
Sections in HEALTHCARE IN THAILAND:
We value input from our readers. If you spot an error on this page or have any suggestions, please let us know.
If you are considering moving to Thailand or are soon to depart, you can find helpful information and advice in the Expat Briefing dedicated Thailand section including; details of immigration and visas, Thai forums, Thai event listings and service providers in Thailand.
From your safety to shopping, living in Thailand can yield great benefits as well as occasional drawbacks. Find your feet and stay abreast of the latest developments affecting expats in Thailand with relevant news and up-to-date information.
Working in Thailand can be rewarding as well as stressful, if you don't plan ahead and fulfill any legal requirements. Find out about visas and passports, owning and operating a company in Thailand, and general Thai culture of the labour market.
About | Useful Links | Global Media Partners | Media | Advertising And Sales | Banners And Widgets | Glossary | RSS | Privacy & Cookies | Terms And Conditions | Editorial Policy | Refer To A Friend | Newsletters | Contact | Site Map
Important Notice: Wolters Kluwer TAA Limited has taken reasonable care in sourcing and presenting the information contained on this site, but accepts no responsibility for any financial or other loss or damage that may result from its use. In particular, users of the site are advised to take appropriate professional advice before committing themselves to involvement in offshore jurisdictions, offshore trusts or offshore investments. © Wolters Kluwer TAA Ltd 2017. All rights reserved.
The Expat Briefing brand is owned and operated by Wolters Kluwer TAA Limited.