Insurance for Expatriates in Thailand (Health, Condo, Home & Travel)

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The Best price for Health Insurance in Thailand is really how much can you afford to spend and then finding the best price health insurance with the best coverage (benefits) that you can find, or by using a broker to assist you as they are able to quickly find the matching policies for your budget.

There is also the deductible to consider, this can get you a good discount on a higher coverage policy, the deductible is a amount specified that you will cover by yourself, this may be 10,000 baht or more depending on what the policy offers and what you are comfortable covering out of your own pocket, by having a deductible in place, the insurance companies often provide a discount on the policy with savings like 30% or 40% off the full policy rate, thereby giving you the protection of a larger benefit when you really need it.

The choice of Inpatient or Inpatient and Outpatient cover, having both IPD and OPD cover can double the price of a policy, with medical care so affordable in Thailand for minor procedures and treatments OPD can be excluded if you are happy to cover these items yourself, this is another way to increase your benefits for hospitalisation whilst not increasing the cost of your health insurance.

Extras can also be included and excluded to achieve the level of cover required, repatriation, travel, death coverage is covered by some policies and some have it as optional extras, so make sure the policy you choose has what you need and not what you don’t need.

So taking into account all of these factors and the level of risk you are willing to cover yourself, you can find the best price health insurance whilst not having it cost the earth, the other factors to consider is what hospitals do not require payment by you and claim back, most insurance plans either stipulate which hospitals they allow walk in treatment or provide details for quick contact for the hospitals to clear a credit for you to be treated.

All of these questions can easily be answered by a broker, or by filling out the contact form on any of our information pages.

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