A Comprehensive Guide to Health Insurance in Thailand for Expats
Looking for expat medical insurance in Thailand? These companies are here to help you, when you need a hand!
There’s no doubt that living in a new country is exciting. In Thailand, there are plenty of white sandy beaches to explore, cliff jumping to conquer, climbing, mountain trails, white water rafting and new friends to be made dining at the best bruches, whilst finding out the best happy hours in town, but you also need to think about tougher times when you are travelling around Thailand. Accidents and illnesses are common when travelling.
Expat Medical insurance in Thailand is needed to cover critical illnesses such as cancer & heart attacks, motorcycle accidents, car accidents, serious illnesses and broken limbs.
If you’re on the hunt for the best expat medical insurance in Thailand, here’s our guide (in no particular order) to help you out.
Best expat medical insurance in Thailand
1. Pacific Prime
While not an independent insurance company, Prime Pacific Thailand acts as an intermediary, helping you find the best plan available to suit your specific needs. This broker has been in business in Hong Kong for over 17 years, so they know more than a thing or two about helping people in Thailand. Best of all, they also have branches in Shanghai, Beijing, Singapore, Dubai, and Abu Dhabi, meaning they can field phone calls locally.
Learn more at Pacific Prime
2. Bupa Thailand / Aetna
Bupa Thailand sold their business to Aetna in 2017. Aetna is a large American based insurance company. Offering plans that include hospital benefits, clinical benefits, maternity cover, dental benefit, and critical illness insurance, you’ll find everything you need with Bupa Thailand / Aetna. They offer basic options right through to Gold packages and even have plans to cover the whole family.
Learn more about Bupa
3. Cigna
One of the most popular insurance companies in Thailand and across the world is Cigna, a large US-based health insurance company. Offering a selection of global health options (meaning you can be covered in more than one country if you travel a lot), Cigna works with a global network of over one million trusted hospital partners worldwide. Their flexible plans let you add on different modules such as vision, dental, and outpatient coverage too.
Learn more about Cigna
4. Luma Health Thailand
Another broker available to help you find the most competitive insurance plan for you and your family is Luma Health Thailand.
None of their plans currently offer coverage for pre-existing conditions. Any conditions or symptoms you had before you start the plan would be considered as pre-existing. However, pre-existing conditions may be covered if they are fully declared and accepted by the insurance company.
Please note that most insurers who offer international health insurance in Thailand do not offer coverage for pre-existing conditions.
Luma also offer some priveleges to become a member.
Learn more about Luma Health Insurance Thailand
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5. Axa Insurance
Surely, it is worth paying for the best coverage from AXA. Meet all your needs with their comprehensive plans. Their products include travel, health, personal accident, motor, and property insurance. Be a part of AXA family. Full coverage you need with 24 hours services.
Learn more about Axa Healthcare
7. Aetna International
Exclusively providing healthcare and medical benefits for nearly 60 years, Aetna International is a renowned specialist in the health insurance industry. From offering individual and family plans, to giving advice to corporations and governments, Aetna boasts a robust customer support network around the globe.
Learn more about Aetna International
8. William Russell Thailand
While William Russell is now a leading organisation among international health and life insurance providers, it actually started off as a family business in 1992. Not only does this add a personal touch to the brand, but there’s even a specialised team to cater for locals and expats in Thailand. Choose from its variety of personal and business plans, and you should be good to go.
William Russell provides plans for people living and working abroad. They cover expats, individuals, professionals, families, remote workers, digital nomads, frequent travellers, startups, small and medium-sized businesses, large corporates, charities, and governmental organisations.
Lives can be insured for up to $2,000,000,
Learn more about William Russell in Thailand
9. Other Brokers
Contact us to find other brokers which may be able to reduce the health premiums you are paying with select insurance companies. Ask about the best possible health insurance for your situation. Get the RIGHT coverage, not just the cheapest. Your health should be your number one priority.