International Health Insurance coverage usually has many sections, when clients want comprehensive cover that means that they want to be covered for everything. Everything includes the following : Inpatient, Outpatient, Dental, Maternity, Vision and Annual Check ups. Although not all insurance companies have comprehensive cover, there are a lot that do. You can also choose to add or remove the add ons but Inpatient is always mandatory.
Coverage for emergency treatments that need you to be admitted for observation or analysis. Inpatient covers you for your hospitalization while you stay in the hospital overnight or more.Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.
| Tier | Insurer | Premium range (THB) | Notes |
|---|
| IPD Only | AIA | 8,000–25,000 | |
| IPD Only | Allianz Ayudhya | 9,000–28,000 | |
| IPD Only | Cigna | 8,500–26,000 | |
| IPD Only | LMG Insurance | 8,200–24,000 | |
| IPD Only | Thai Life Insurance | 8,800–25,500 | |
| OPD + IPD | Muang Thai Life | 18,000–45,000 | |
| OPD + IPD | Thai Life Insurance | 19,000–48,000 | |
| OPD + IPD | FWD Life | 20,000–50,000 | |
| OPD + IPD | Cigna | 18,500–47,000 | |
| OPD + IPD | Bangkok Life Assurance | 19,500–49,000 | |
| Comprehensive | Pacific Cross Health | 35,000–120,000 | |
| Comprehensive | Generali | 32,000–110,000 | |
| Comprehensive | Manulife | 30,000–100,000 | |
| Comprehensive | Allianz Ayudhya | 33,000–115,000 | |
| Comprehensive | Krungthai-AXA Life | 34,000–118,000 | |
International health insurance is essential for expatriates, digital nomads, frequent business travelers, and individuals living abroad long-term. It provides peace of mind and financial protection when accessing healthcare in foreign countries where local insurance may not apply.
What's the difference between travel and international health insurance?
Travel insurance is short-term for trips, while international health insurance provides year-round coverage for expats and long-term residents abroad.
Can I use my policy worldwide?
Most international health plans offer global coverage, though some exclude certain high-risk countries or your home country.
Is there a waiting period for coverage?
Yes, most policies have waiting periods for non-emergency treatments, typically 30-90 days for general conditions and longer for maternity.
How do I submit claims?
Claims can usually be submitted online, via mobile app, or through direct billing arrangements with network providers.
- Valid passport and visa documentation
- Completed application form with medical history
- Recent medical examination reports (if required)
- Proof of residence abroad
- Employment contract or proof of income
- Previous insurance coverage history
