Dental Insurance Thailand
Compare dental insurance plans in Thailand. Direct-billing, Dental card provided.
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The Ultimate Guide to Dental Insurance in Thailand
Looking for comprehensive dental insurance in Thailand? You've come to the right place! At CheckDi, we offer affordable dental insurance in Thailand starting from just 3,785 baht per year. This guide will walk you through everything you need to know about Thai dental insurance, from coverage details to application processes and money-saving tips.
Why Choose Dental Insurance in Thailand?
Thailand is renowned for its high-quality dental care, attracting both locals and medical tourists. Having dental insurance in Thailand ensures you can maintain your oral health without breaking the bank. Here's why it's essential:
- Access to world-class dental facilities in major cities like Bangkok and Phuket
- Coverage for routine check-ups and unexpected dental emergencies
- Affordable premiums compared to many Western countries
- Peace of mind knowing you're protected against high dental costs
What Does Dental Insurance in Thailand Cover?
Thai dental insurance typically offers six main types of coverage:
1. Maximum Coverage (Insurance Sum)
The maximum amount covered by the insurance company, ranging from 17,000 to 26,000 baht per year.
2. Scaling Fluoride / Routine Cleaning
Covers bi-annual routine cleaning, including scaling, tooth polishing, fluoride coating, and teeth cleaning. There must be at least a 6-month interval between treatments.
3. Dental Fillings, Restoration and Extraction
Covers these procedures bi-annually, with at least a 6-month interval between treatments. Note that X-rays are typically not covered.
4. Wisdom Tooth Extraction
Covers wisdom tooth extraction bi-annually, with at least a 6-month interval between treatments. X-rays are usually not covered.
5. Root Canal Treatment
Covers root canals and other root treatments with no limit on visits.
6. Accidental Dental Treatment
Covers dental treatments resulting from accidents, typically with a 10% deductible on all treatments.
What's Not Usually Covered by Dental Insurance in Thailand?
- Pre-existing conditions
- Cosmetic procedures (e.g., teeth whitening, veneers)
- X-rays (in most basic plans)
- Treatments during the waiting period (usually 65 days, except for emergencies)
How Much Does Dental Insurance Cost in Thailand?
Dental insurance in Thailand is surprisingly affordable:
- Starting from 3,785 baht per year
- Most plans range from 3,785 to 6,740 baht per year
- Exact cost depends on factors like age and coverage level
Dental Coverage as an Add-on to Health Insurance
If you're looking for more comprehensive coverage, consider adding dental benefits to your health insurance plan. Many health insurance providers in Thailand offer dental coverage as an add-on. Check out our health insurance options in Thailand to see how you can combine your medical and dental coverage for optimal protection.
How to Choose the Best Dental Insurance in Thailand
- Assess your dental health needs and budget
- Compare coverage limits and exclusions from different providers
- Check the network of affiliated dentists and clinics
- Consider waiting periods and any age restrictions
- Look for plans that offer preventive care coverage
How to Apply for Dental Insurance in Thailand
- Choose a plan: Select the dental insurance policy that best fits your needs
- Apply online: Use our website or contact our Customer Service Representative for assistance
- Submit documents: Provide a copy of your Passport or ID card
- Pay the premium: Complete the payment to activate your coverage
- Receive your policy: Your insurance card and policy documents will be delivered within 7-10 business days
Pricing comparison by insurer
Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.
| Tier | Insurer | Premium range (THB) | Notes |
|---|---|---|---|
| Dental Basic | Cigna | 1,500–3,500 | |
| Dental Basic | Pacific Cross Health | 1,600–3,800 | |
| Dental Basic | AIA | 1,700–4,000 | |
| Dental Plus | Allianz Ayudhya | 4,200–9,500 | |
| Dental Plus | Generali | 4,100–9,300 | |
| Dental Plus | Cigna | 4,500–10,000 | |
| Dental Premium | Pacific Cross Health | 9,000–17,000 | |
| Dental Premium | AIA | 9,500–18,000 | |
| Dental Premium | FWD Life | 9,800–18,500 |
Who Should Consider Dental Insurance in Thailand?
Dental insurance in Thailand is ideal for expats, long-term residents, frequent visitors, and anyone seeking quality dental care at affordable rates. Whether you're planning routine cleanings or need coverage for unexpected dental emergencies, having insurance provides financial protection and peace of mind.
Essential Documents Checklist
Before applying for your dental insurance policy, ensure you have these documents ready:
- Copy of Passport or Thai ID card
- Completed application form (available online or through customer service)
- Payment method for premium
- Current address for policy delivery
- Emergency contact information
- Any existing dental records (if requested)
Making the Most of Your Dental Coverage
To maximize your dental insurance benefits:
- Schedule regular check-ups every 6 months to maintain preventive care
- Use affiliated clinics to avoid upfront payments
- Keep all receipts and documentation for non-affiliated visits
- Understand your waiting periods and plan treatments accordingly
- Take advantage of free consultations and appointment services
- Review your annual coverage limits to plan major treatments
Steps in Applying for dental insurance
Buying dental insurance in Thailand is simple & easy
To buy dental insurance in Thailand, simply follow these steps :
- Apply via our website or contact our Customer Service Representative for Application form.
- Submit Copy of Passport or ID card.
- Pay the Invoice Premium
- You’re Covered.
- Original Policy and Card will be delivered to your specified address in 7-10 business days by Registered EMS.
You can send additional documents to us by LINE Chat with us or by Email support@checkdi.com
FAQs
Who can buy dental insurance in Thailand?
Anyone between the ages of 15-60 years old is eligible to apply for dental insurance in Thailand.
Is there a waiting period for dental insurance in Thailand?
Yes, most dental insurance policies in Thailand have a waiting period of 65 days, except for accidents, which are covered immediately.
Do I need to pay the dental clinic upfront and then get reimbursed?
If you visit an affiliated clinic, you can usually use your insurance directly without paying upfront. For non-affiliated clinics, you'll need to pay and then submit documents for reimbursement.
Where can I get dental services with my Thai dental insurance?
Insured individuals can access dental treatment at over 200 affiliated hospitals and clinics nationwide. Check with your insurance provider for a list of network providers.
Are dental consultations covered by insurance in Thailand?
Many dental insurance plans in Thailand offer free consultations. Check your specific policy details for coverage information.
Can foreigners buy dental insurance in Thailand?
Yes, many insurance providers in Thailand offer dental insurance to foreigners, including expats and long-term residents. Some policies may have specific terms for non-Thai residents, so always check the details.
Does dental insurance in Thailand cover orthodontic treatment?
Most basic dental insurance plans in Thailand do not cover orthodontic treatment. However, some comprehensive plans may offer limited coverage or discounts for orthodontic work. Always check your policy details or consider specialized orthodontic coverage if needed.
Remember, at CheckDi, we're here to help you understand your policy and find the best dental insurance in Thailand that fits your needs. Don't hesitate to reach out if you have any more questions about protecting your smile in the Land of Smiles!
Who can buy dental insurance?
Anyone can buy dental insurance, as long as you are within the age range that is specified by the insurance company. Anyone between the age of 15-60 years old are eligible to apply.
Is there any waiting period?
Dental Insurance policies have a waiting period of 65 days , except for accidents, as accidents are covered immediately.
Do I need to pay the Clinic / Hospital first and then get reimbursed?
If you go to an affiliate clinic or hospital then you wouldn’t need to pay anymore as the insurance company will pay the coverage. Just show your Dental Card and the clinic or hospital will call the insurance company. Should client go to a clinic or hospital that is not affiliated, please keep all documents and send originals to the insurance company for reimbursement.
Where to get dental services?
The insured person can get dental treatment with the hospital or clinic in the network of over 200 insurance companies nationwide. The third-party insurer see the hospital and clinic network here.
What is personal secretarial service?
Personal secretarial services are Services that appoint dentists before the service. The insured will not have to wait, you can make an appointment through the number and they will find a clinic or hospital for you. This service is available from 8am to 8pm.
Are Dental Consultations costly?
Consultations are free and the insured can call the dentist for consultation at no cost.
If I apply today when will I be covered?
Most insurance companies have a 30 day waiting period when it comes to illnesses for emergent accidents, companies usually cover immediately. When buying Health insurance clear this up with your agent.
If I apply now, when will I get my documents?
The policy will be sent by PDF file and they can get it through LINE or email within a day, the customer can use this PDF file until the insurance policy is issued. Policies usually take 7-14 business days to get produced.
How to contact you ?
You can always call us at our Hotline : 02-985-9000 or Chat with us LINE@ @checkdi or Email us : support@checkdi.com
Office hours Mon-Fri : 08:00 - 17:30
