Health Insurance for Living or Traveling in Thailand

Flexible Plans for Expats, Retirees & Long-Term Visitors

Whether you’re living in Thailand long-term, planning medical treatment, or just want peace of mind during your stay, having proper health insurance ensures you’ll have access to private hospitals, fast treatment, and financial protection.

We help connect you with health insurance plans designed specifically for life in Thailand — from short-term travel cover to full inpatient and outpatient protection.

Why Health Insurance Matters in Thailand

Thailand has an excellent healthcare system, with many private hospitals offering international quality treatment and English speaking doctors. However, these services aren’t free, and the right insurance can save you a lot of money in the long run.

Whether you're dealing with an unexpected illness, planning surgery, or just want to stay prepared, a health insurance policy gives you direct access to top-tier hospitals and protects you from unexpected bills. It also helps meet visa requirements for retirees, long-stay visitors, and digital nomads.

Plan Types Available

Inpatient-Only Coverage

Ideal for those who want protection from serious illness, surgery, or emergencies. These plans typically cover hospital stays, diagnostics, medications, and follow-up care.

  • Annual limits range from ฿5 million to ฿50 million

  • Multiple room and hospital tiers available

  • Often includes cancer care and intensive care

Inpatient + Outpatient Coverage

Includes everything above, plus everyday medical needs like doctor visits, prescriptions, blood tests, and minor procedures — with no overnight stay required.

  • Great for families, expats, or anyone who wants all-round cover

  • Optional add-ons like dental, vision, or wellness check-ups

  • Higher monthly premiums but broader coverage

Maternity & Children’s Plans

Planning a family in Thailand? These plans include prenatal care, delivery, and postnatal treatment at private hospitals.

  • Coverage typically begins after a short waiting period

  • Options for both Thai and international parents

  • Pediatric care often included in family bundles

Senior Plans & Retirement Visa Cover

Specialized coverage for those aged 60 and up, designed to meet visa rules (OA/OX/LTR) and ensure long-term protection.

  • Available with guaranteed renewal up to age 99

  • Meets immigration requirements for long-stay residents

  • Covers chronic care, check-ups, and serious illness

Key Benefits of Choosing the Right Insurance

  • Direct billing at major hospitals — no cash needed for covered treatments

  • Multilingual support available for international customers

  • Tax-deductible premiums (for Thai tax residents)

  • Fast online quotes and no-hassle claims

  • Optional worldwide coverage for emergency or planned treatment abroad

Ready to Get Covered?

We work with reliable insurance providers who understand the healthcare system in Thailand and offer flexible plans to suit your needs. Whether you need short-term cover or comprehensive family protection, we’ll help you get started.

Common Questions

Yes, some long-term visas, especially OA and OX retirement visas, require valid Thai health insurance.

Most plans allow you to select hospital tiers and networks, and include private hospitals in Bangkok, Chiang Mai, Phuket, and other major cities.

These are usually available as optional add-ons. Basic plans focus on medical treatment and emergencies.

Some insurers offer limited coverage for pre-existing conditions, but most will exclude them. It depends on the plan and provider.

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Prices and currency conversions are estimated and might not be up-to-date. Please contact us for a quote to receive an updated price.

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