Health Insurance Thailand

Coverage of Health Insurance

There are many options to Health Insurance, most individuals would just get insurance for emergencies so they only require Inpatient option. Cover for doctor’s visits and procedures done that don’t require you to be admitted would be considered Outpatient. There are also things you add and remove like coverage for Dental and Vision. If you wish to lower the cost of your Health Premium, other’s put on a deductible or excess.

IPD / Inpatient Cover

Coverage for hospitalization purposes, meaning that you are admitted and required to stay overnight or a couple of days due to doctor’s recommendation.

OPD / Outpatient Cover

Coverage for doctor’s visits and outpatient procedures that do not require you to stay in the hospital for observation. This includes prescribed medications and lab exams that doctors prescribe.

Vision Cover

Coverage for Vision related concerns, this coverage includes prescribed eyeglasses or contacts or any exam or checkup related to your vision.

Dental Cover

Coverage for Dental related concerns, this coverage includes normal procedures, cleaning, fillings etc. This however does not cover anything related to cosmetic procedures. If you are looking for only dental insurance, please check the coverage and price here : Dental Insurance Thailand

Deductible / Excess

Helps lower the cost of your premium, a specified amount of money that the insured must pay before the insurance company will pay a claim.

Maternity Cover

Other insurance policies include Maternity cover, plans in Thailand do not have the option to take this out, it usually comes with the plan as a bonus or the plan is a much higher plan so it includes maternity coverage.

*Maternity coverage usually has a 10-month waiting period or 1 year, depending on what insurance company you decide to go with.

No claim bonus

Most but not all insurance companies offer a no claim bonus, should you have no claims for the year, some insurance companies give a 10% reward discount to clients so their premiums will be less.

To find the best plans for yourself, you must always compare between available plans and options and also take a look at the terms and conditions from both of the insurance companies and the OIC thoroughly.

Steps in Applying for health Insurance

Buying health insurance in Thailand is simple & easy

To apply for health insurance, we will need the documents from you as below (This applies to every insurance companies) :

1. Apply via our website or contact our Customer Service Representative for Application form.
2. Submit Copy of Passport with Verified Signature.
3. Wait for Offer Letter.
4. Accept Offer Letter.
5. Pay the Invoice Premium
6. You’re Covered.
7. Original Policy and Card will be delivered to your specified address in 7-10 business days by Registered EMS.

*Some insurance companies require Work Permit and Visa Stamp. Others only require Application form and Passport Copy with Verified Signature.

You can send addtional documents to us by LINE Chat with us or by Email support@checkdi.com

FAQs

Who can apply?

This all depends on the Insurance companies, with some insurance companies you can apply until 70 years old, but most insurance companies only accept new entries until the age of 64 or 60.

Why do I need Health Insurance?

Health Insurance is for your peace of mind, there are a lot of horror stories in Thailand about people who have moved to Thailand with no Health Insurance and they end up in a very difficult situation with no money to pay their hospital bills because of unforeseen circumstances. Health Insurance will give you coverage for health issues and accidents that may occur.

How much insurance coverage do I need?

Clients ask this question, usually when they are new to Thailand. Most clients just like insurance for emergencies so usually they go for the Basic Coverage for 600,000 baht to 1,200,000. Others want a more extensive cover for severe cases so coverage can go as high as 32,000,000.

Do I need outpatient coverage?

If a client is looking for insurance for emergencies only, we suggest that clients forgo Outpatient coverage, doctor’s visits can be cheap, especially if you go to the normal hospitals that are not known to be international. Outpatient can be easily explained as visits to the hospital, doctor consultation and prescribed medicine, or any medical procedure that does not require you to stay overnight.

What is the difference between Outpatient and Inpatient coverage?

Inpatient coverage is for hospitalization purposes, meaning that you are admitted and required to stay overnight or a couple of days due to doctor’s recommendation. Outpatient coverage is for doctor’s visits and outpatient procedures that do not require you to stay in the hospital for observation. This includes prescribed medications and lab exams that doctors prescribe or order.

What is Social Security Insurance and isn’t that enough?

All those working are eligible for medical cover under Social Security, if they have a work permit. Contributions are compulsory this is 5% of your income – but not less than 83 baht per month and not exceeding 750 baht per month. Your social security can be used in a registered Public Hospital near your workplace or where you live. The problem with Social Security is that Public Hospitals in Thailand has limited resources compared to Private medical care that Private insurance covers.

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.

I'm pregnant, can I apply for Health insurance?

You can apply for Health Insurance but you will not be covered for maternity. Waiting period for Maternity is 10 months after signing you Health Insurance policy.

Are there waiting periods I should be aware of?

Insurance companies have different policies on waiting period. The most common type of waiting period is 30 days waiting period for Local Insurance companies like Bupa, Pacific Cross and LMG. For International companies like MSH and AXA there is no waiting period unless stated in the agreed upon offer letter. Feel free to ask your agent about the waiting periods for each company.

Do I need a Medical Examination?

If you are 60 years old and below, you won’t need a Medical Examination. Sometimes underwriters request tests and medical records so it's best to have them handy as well. If you are over 64, you will be required to have a medical examination or submit your medical records to the insurance company.

Will I be able to renew until I die?

Insurance companies usually have an age restriction, they will only cover you until you're 80 or 90. Depending on the insurance company, so be sure to ask your agent until what age you are able to renew your health insurance.

I’m over 70 can I still buy Health Insurance?

The entry age for most insurance companies is 60 years old and below. Some offer entry until 64. The one’s that take clients over 65 are the international insurance companies and their premiums can be really expensive. We sometimes suggest our clients who are over 65 to see Personal Accident insurance as an option.

I have a kid or newborn, can I apply insurance for her/him only?

No. Most insurance companies require at least one parent to sign in with their minor. There are companies that allow kids to sign alone but the rates would be different. (Higher than applying with a parent)

Does Health Insurance coverage, cover me for accidents or riding as a passenger at the back of a bike?

Health Insurance companies will cover your accidents as long as you are not under the influence or negligent.

What is the condition of residence?

Clients applying for health insurance must be residents of Thailand.

Am I covered when I travel outside Thailand?

Clients are usually covered when traveling outside Thailand, although you would have to pay first and get reimbursed when you get back to Thailand. Be sure to keep all original medical certificates and receipts for reimbursement. 

Can I visit a hospital of my choosing?

Yes, you are free to choose any medical provider you are comfortable with. However, each insurance company has a network list, if you go to a hospital or clinic that is not on their list you would have to pay first and get reimbursed.

Are people with pre-existing condition covered?

Everyone is welcome to apply, you will get coverage but unfortunately pre-existing conditions will be excluded from the coverage.

Can an insurance company deny my claim?

Accidents and sudden illnesses like dengue are hard to deny as these cannot be linked to pre-exisiting conditions. Although insurance companies reserve the right to investigate further. Insurance companies are quite cautious for claims that occur in the first months/year because it may be related to a pre-existing condition. Some clients decide to have a full check up before applying for health insurance, although this is not required. 

Does being healthy affect my coverage?

There are benefits to a healthy lifestyle, insurance companies tend to put a risk loading fee for clients who are Obese. If you have a healthy lifestyle your policy will have no exclusions and no risk loading fees.

What are the general exclusions?

The policy usually states general exclusions but the most common exclusions are:

1. Drug and Alcohol Abuse
2. Self-inflicted injuries
3. Infertility
4. Cosmetic surgery
5. Preventative Treatment

Feel free to ask your agent a copy of the policy wording before you purchase the plan.

If I apply now, when will I get my documents?

Application process is different for everyone, the process can take longer if you have pre-existing conditions. Application process is 3-4 days and once you sign the offer letter the Card and Policy will be sent to your specified address within 7-10 business days.

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

What If My Health Insurance Application Is Denied?

Having your health insurance application rejected can be stressful, but don't worry - there are usually solutions available. Common reasons for denial include pre-existing conditions, age factors, and incomplete applications. Our team at CheckDi can help you understand why your application was denied and find alternative options.

Learn more about handling health insurance application denials in Thailand →

Compare Thailand Health Insurance Plans 2024

Finding the right health insurance in Thailand has become increasingly important in 2024, with more options available than ever before. Whether you're an expat, digital nomad, or long-term resident, understanding the various health insurance options in Thailand is crucial for making an informed decision. Our comprehensive comparison tool helps you evaluate plans from leading providers, considering factors such as coverage limits, hospital networks, and premium costs. Thailand's healthcare system ranks among the best in Southeast Asia, making quality health insurance both accessible and affordable for most residents.

Key factors to consider when comparing Thai health insurance plans include:

• Coverage limits ranging from ฿500,000 to ฿50,000,000
• Access to private hospitals in Bangkok and major cities
• International coverage options for frequent travelers
• Direct billing arrangements with major hospitals
• Optional coverage for outpatient care, dental, and vision

Thailand Health Insurance Cost Calculator 2024

Understanding the real cost of health insurance in Thailand requires considering multiple factors that influence your premium. Our advanced calculator takes into account your age, medical history, desired coverage level, and preferred hospital tier to provide accurate estimates from multiple insurance providers in Thailand. This transparent approach helps you budget effectively while ensuring you get the most value from your health insurance investment.

Average annual premium ranges in Thailand for 2024:

• Basic coverage (Inpatient only): ฿20,000 - ฿40,000
• Standard coverage (Inpatient + basic outpatient): ฿40,000 - ฿80,000
• Comprehensive coverage (All benefits): ฿80,000 - ฿200,000
• Premium coverage (High limits + worldwide): ฿200,000+

Thailand Medical Tourism and Insurance Guide 2024

Thailand continues to be a leading destination for medical tourism in 2024, attracting patients worldwide for its combination of affordable, high-quality healthcare and exceptional hospital facilities. Whether you're planning a specific medical procedure or seeking general healthcare coverage during your stay, understanding how health insurance integrates with medical tourism is essential. Many Thai insurance providers now offer specialized plans catering to medical tourists, covering both planned procedures and emergency care.

Popular medical tourism procedures covered by Thai health insurance:

• Elective surgeries at internationally accredited hospitals
• Dental procedures and cosmetic treatments
• Rehabilitation and recovery programs
• Health check-up packages and preventive care
• Alternative medicine and wellness treatments

Digital Health Services in Thai Insurance 2024

The landscape of health insurance in Thailand has evolved significantly with the integration of digital services. Insurance providers now offer comprehensive digital solutions that make managing your healthcare easier and more efficient. From virtual consultations to paperless claims processing, Thailand's health insurance sector has embraced technological innovation to improve patient experience and accessibility.

Modern features of Thai health insurance plans include:

• 24/7 telemedicine services with Thai and English-speaking doctors
• Mobile apps for claim submissions and policy management
• Digital health records integration with major hospitals
• Real-time appointment booking and hospital network navigation
• Electronic pre-authorization for planned treatments

Remote Work and Digital Nomad Health Insurance Thailand

As Thailand becomes an increasingly popular destination for digital nomads and remote workers in 2024, specialized health insurance options have emerged to meet their unique needs. These plans combine the flexibility of international coverage with the cost-effectiveness of local Thai healthcare services. Whether you're working from Bangkok's co-working spaces or Chiang Mai's cafes, having appropriate health insurance coverage is essential for long-term stay visas and peace of mind.

Insurance considerations for digital nomads in Thailand:

• Coverage that meets visa requirements and working permit regulations
• Flexible plans that can be managed entirely online
• Options for both local and international coverage
• Protection during travel between Thailand and other countries
• Coverage for workplace-related health issues

Emergency Medical Coverage in Thailand 2024

Understanding emergency medical coverage is crucial when selecting health insurance in Thailand. Thai hospitals provide world-class emergency care, but having the right insurance ensures immediate access to treatment without financial concerns. Most comprehensive health insurance plans in Thailand now include enhanced emergency coverage, including accident protection, ambulance services, and emergency dental care.

Key emergency coverage features to consider:

• 24-hour emergency assistance hotlines in multiple languages
• Air ambulance and medical evacuation coverage
• Direct billing arrangements with emergency departments
• Coverage for both accident-related and sudden illness emergencies
• Emergency dental treatment and pain relief

Healthcare Quality Standards and Insurance Coverage

Thailand's healthcare system maintains high international standards, with many hospitals holding prestigious JCI accreditation. Understanding how these quality standards relate to insurance coverage helps you make informed decisions about your healthcare provider choices. Insurance plans often categorize hospitals based on their accreditation status and quality metrics, affecting both coverage levels and premium costs.

Quality indicators in Thai healthcare:

• International accreditation status of hospitals
• Specialist availability and expertise
• Modern medical equipment and facilities
• Patient satisfaction rates and outcomes
• Hospital infection control standards

Customer Success Stories: Health Insurance in Thailand

Real experiences from individuals and families using health insurance in Thailand provide valuable insights for prospective insurance buyers. From routine check-ups to emergency procedures, these testimonials highlight the practical benefits and considerations of different insurance plans. Understanding how others have navigated the Thai healthcare system with their insurance coverage can help you make better decisions about your own health insurance needs.

Featured customer experiences include:

• Emergency treatment success stories
• Chronic condition management experiences
• Maternity care journeys
• International coverage utilization
• Claims processing experiences