Top Health Insurance in Thailand for British Expats: Options and Benefits
Top health insurance for British expats in Thailand includes AXA Thailand, AIA, Luma, Allianz Ayudhya, April, and more. Thailand has a robust insurance market, and British expats can find a wealth of options from both local and international providers.
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In this article, we will take you through some common offerings from top insurers in Thailand. British expats can familiarize themselves with general plan structures, benefits, and characteristics of health insurance in Thailand to better inform their purchase before settling in the Land of Smiles.
Best Health Insurance Options for British Expats in Thailand
To find the best health insurance options in Thailand, it is essential that expats thoroughly familiarize themselves with common terms, jargon, and offerings from insurers. In the following section, we will compare offerings from some top insurers in Thailand, including:
- AXA Thailand
- AIA
- Luma
- Allianz Ayudhya
- April
- Pacific Cross
- Thaivivat
- LMG Insurance
Read on to find out more about what you can expect for your health policies in Thailand and what essential coverage you should look for when securing your health insurance in Thailand.
Allianz Ayudhya Health Insurance for Expats in Thailand
Allianz Ayudhya is a trusted name in Thailand, with a large international and local presence. Allianz Ayudhya’s offerings range from Basic Care, which caters primarily to health coverage in Thailand, to Flex Care, which offers international coverage on top of family discounts.
In addition to the core plan, which provides coverage for inpatient treatments, expats can enhance their coverage by adding optional benefits such as outpatient, maternity, dental and optical, and personal accident coverage to safeguard against other potential risks.
| Allianz Ayudhya’s Offerings Comparison | |||
| Basic Care | Max Care | Beyond Care | Flex Care |
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April MyHEALTH Thailand for British Expats
April’s MyHEALTH Thailand offers comprehensive inpatient and cancer coverage for British expats in Thailand. On top of the core plan, expats can add April’s optional benefits packages of outpatient, maternity, and dental and optical care for better and a wider range of coverage.
| April MyHEALTH Thailand’s Benefits at a Glance (THB) | |||
| Benefits | Essential | Extensive | Elite |
| Annual Limit | 10,000,000 | 32,750,000 | 65,500,000 |
| Hospitalization | Paid in full | Paid in full | Paid in full |
| Room and Board | Standard private room | Standard private room | Standard private room |
| Outpatient Surgery | Paid in full | Paid in full | Paid in full |
| Cancer Treatment | Paid in full | Paid in full | Paid in full |
| Complications of Pregnancy | ╳ | 1,637,500 per pregnancy | Paid in full |
| Medical Checkup | ╳ | 3,000 | 6,000 |
| Emergency Medical Evacuation and Repatriation | Up to US$1,000,000 | ||
| April MyHEALTH Thailand’s Optional Benefits | ||
| Optional Outpatient | Optional Maternity | Optional Dental & Optical |
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AXA Thailand Health Insurance Offering for British Expats in Thailand
AXA Thailand offers a wide range of plans for British expats in Thailand, from AXA EasyCare, which is tailored especially for Thailand’s long-stay visa compliance, to the International Exclusive plan, which includes international coverage and evacuation service.
Expats who plan to stay mainly in Thailand can opt for AXA EasyCare or Smart Care Essential, which are designed to cover healthcare in Thailand and Thai visa compliance, while SwitchCare and International Exclusive can offer international portability to expats who regularly travel across borders.
| AXA Thailand’s Offerings Comparison | |||
| SmartCare Essential | SwitchCare | International Exclusive | EasyCare |
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LMG Insurance in Thailand
LMG Insurance is a veteran insurer in the Thai market with over 45 years of operation. LMG offers a full suite of insurance for expats in Thailand, including health and accident insurance with international portability or the LMG Long Stay Visa plan, which complies with the O-A Visa’s requirements.
| LMG Insurance’s Offerings Comparison | ||
| Individual Health And Accident Insurance Policy Elite Plus | Individual Health and Accident Insurance Policy Universal Plus | LMG Long Stay Visa Plus |
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AIA for British Expats in Thailand
AIA is one of the longest-standing insurers in the Thai market. Long-term expats looking for affordable yet comprehensive coverage in Thailand can find an ideal plan in AIA Health Happy, while globally mobile expats may find peace of mind in AIA Infinite Care with its worldwide coverage.
| AIA’s Offerings Comparison | |||
| Benefits | AIA Infinite Care | AIA Health Happy | AI CI Care (Rider) |
| Coverage | Worldwide inpatient and outpatient | Inpatient and outpatient within Thailand | Critical illness protection |
| Annual Benefit Limit | THB 60 to 120 Million | THB 1 to 25 Million | Varies by Policy |
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Luma Thailand for British Expats
Luma Hi5 and Luma PRIME are Luma’s health insurance offerings for expats in Thailand. Both provide coverage for inpatient treatments, pre- and post-hospitalization outpatient care and diagnostics, cancer treatment, and medical evacuation, with Luma PRIME offering higher benefits limits.
Both Luma Hi5 and Luma PRIME also come with optional benefits that can be added to expand the scope of the core plan’s coverage, including:
- Outpatient benefits
- Dental benefits
- Maternity benefits
- Vision benefits
| Luma’s Benefits at a Glance (THB) | |||||
| Benefits | Luma Hi5 | Luma PRIME | |||
| Plan 1 | Plan 2 | Plan 1 | Plan 2 | Plan 3 | |
| Annual Maximum Limits | 5M | 5M | 10M | 30M | 50M |
| Hospitalization Benefits | |||||
| Inpatient Room and Board (per day) | 5,000 | 8,000 | 12,000 | 15,000 | 20,000 |
| Intensive Care Room and Board | Paid in full | Paid in full | |||
| Medical Service Fees | Paid in full | Paid in full | |||
| Attending Medical Professional Fee | Paid in full | Paid in full | |||
| Medical Expenses for Surgery and Surgical Procedures | Paid in full | Paid in full | |||
| Day Surgery | Paid in full | Paid in full | |||
| Non-Hospitalization Benefits | |||||
| Pre- and Post-hospitalization Diagnostics and Outpatient (per policy year) | 15,000 | 30,000 | 50,000 | 100,000 | |
| Accidental Outpatient (within 24 hrs) | Paid in full | Paid in full | |||
| Cancer Treatment | Paid in full | Paid in full | |||
| Medical Evacuation | ✔ | ✔ | ✔ | ✔ | ✔ |
Pacific Cross Health Insurance for Expats in Thailand
Pacific Cross offers a range of insurance plans for expats coming to Thailand, starting from the Standard plan for expats looking for reliable and affordable coverage to the Ultima plan with all-inclusive premium coverage.
In the following table, we provide a quick comparison of three Pacific Cross plans that meet Thailand’s long-stay visa compliance:
| Pacific Cross’ Benefits at a Glance (THB) | |||
| Benefits | Premier Plus | Maxima Plus | Ultima Plus |
| Maximum Limit per Confinement | 3,000,000 | 10,000,000 | 50,000,000 |
| Inpatient Benefits | |||
| Inpatient Room and Board (per confinement) | 6,000 per day | 10,000 per day | 18,000 per day |
| Intensive Care Unit | Max. 12,000 per day | Paid in full | Paid in full |
| Inpatient Medical Expenses | 300,000 | Paid in full | Paid in full |
| Emergency Outpatient | Paid in full | Paid in full | Paid in full |
| Cancer Treatment | Paid in full | Paid in full | Paid in full |
| Maternity Benefits | |||
| Natural Delivery or Planned Caesarean Section without Indication or Medical Necessity | 30,000 | 120,000 | 200,000 |
| Caesarean Section | 60,000 | ||
| Outpatient Benefits | |||
| Outpatient Visits (max. 1 visit/day and overall 30 visits/year) | 3,000 | Paid in full | Paid in full |
| International Assistance Services | |||
| Emergency Medical Evacuation | Paid in full | Paid in full | Paid in full |
Thaivivat for Expats in Thailand
Thaivivat is a longstanding name in Thailand’s insurance market and can offer excellent choices for expats who are looking for coverage in Thailand as well as sufficient insurance coverage for their LTR visa’s application.
| Thaivivat Star Plus plan’s Benefits at a Glance (THB) | ||||||
| Benefits | Star 1+ | Star 2+ | Star 3+ | Star 4+ | Star 5+ | Star 6+ |
| Maximum Payable/Disability | 200,000 | 500,000 | 800,000 | 1,500,000 | 3,000,000 | 10,000,000 |
| Inpatient Room and Board (per day) | 1,200 | 3,500 | 6,000 | 8,000 | 12,000 | 14,000 |
| Intensive Care Room and Board (per day) | 2,400 | 7,000 | 12,000 | Paid in full | Paid in full | Paid in full |
| Hospital General Expenses (per disability) | 14,000 | 45,000 | 80,000 | Paid in full | Paid in full | Paid in full |
| Emergency Outpatient | 6,000 | 8,000 | 12,000 | Paid in full | Paid in full | Paid in full |
| Emergency Medical Evacuation and Repatriation | 500,000 | 500,000 | 500,000 | 500,000 | Paid in full up to total IPD limit | |
| Annual Health Checkup | 500 | 800 | 1,000 | 2,500 | 5,000 | 10,000 |
| Dental Checkup | 500 | 800 | 1,000 | 2,500 | 5,000 | 10,000 |
| Thaivivat HLSV Plans for LTR Visa at a Glance | |||
| Benefits | HLSV01 | HLSV02 | HLSV03 |
| Annual Limit | 400,000 | 600,000 | 800,000 |
| Inpatient Room and Board (per day) | 4,000 | 6,000 | 8,000 |
| Intensive Care Room and Board (per day) | 8,000 | 12,000 | 16,000 |
| Hospital General Expenses | Actual cost | ||
| Emergency OPD | |||
| Outpatient Visit (Max 1 Visit per Day) | 2,000
(40,000 per year) |
3,000
(60,000 per year) |
4,000
(80,000 per year) |
Essential Coverage and Benefits for British Expats in Thailand
When shopping for your health insurance in Thailand, you will want to make sure how your insurer approaches inpatient (IPD) and outpatient (OPD) benefits, whether you will need additional coverage for your OPD, and if the benefits fully cover your potential risks in the country.
We will discuss each essential benefit expats should look for in more detail below:
Inpatient (IPD) vs Outpatient (OPD) Coverage in Thailand
Most insurance plans cover inpatient care in Thailand, but outpatient care generally requires an additional rider to be covered under your health insurance plans. Expats should carefully review their policy structure to make sure they get all the coverage they need.
What does inpatient coverage (IPD) include?
Inpatient coverage generally includes any treatments that require hospitalization. Some common inpatient coverages include:
- Semi-private or private room during hospitalization
- Intensive Care Units
- Medication given during hospitalization
- Surgical, anesthetic, and operating room fees
- Diagnostic tests given during or as a part of your hospitalization (e.g., X-Rays, CAT, PET, and laboratory tests)
- Medical fees during hospitalization, such as nurse and physician fees
- Pre-hospitalization tests
- Post-hospitalization outpatient follow-ups
What does outpatient coverage (OPD) include?
Outpatient coverage generally includes treatments or consultations that do not require hospital stays. Some common outpatient coverages include:
- General practitioner or specialist consultation
- Prescription drugs
- Outpatient diagnostic tests
- Prescribed physiotherapy
- Vaccination
- Health checkups and screening
Some policies will require you to purchase an additional rider to obtain outpatient coverage, while some higher-end policies may already include a certain amount of outpatient coverage within their policies.
Whether preventive care (e.g., checkups or vaccinations) is included within your outpatient coverage is another area to check.
Expats should carefully compare the benefits offered and the limitations of their plans before commencing their purchase.
Direct Billing Networks: Cashless Treatment in Thai Hospitals
Direct billing lets the healthcare provider settle your bills directly with your insurer. This means you can walk out of the hospital without making any payment if your treatment is fully covered by your policy and no co-payment or deductible applies.
To avail yourself of your insurer’s direct billing service, you must make sure your preferred provider is within the direct billing network of your insurer.
If the provider is within the network, simply present your insurer’s card at the registration, and the provider will arrange direct billing with your insurer with some documents for you to sign.
Direct billing may not be available if you are using an out-of-network provider. Therefore, you will want to go through your insurer’s list of in-network providers to make sure your preferred providers are included or that you have ample choices of in-network providers where you stay in Thailand.
Additionally, some insurers may not cover treatments given by out-of-network providers or may not provide full coverage. Hence, it is all the more important that expats check how their insurers approach in-network and out-of-network providers and whether they can easily access in-network providers.
Coverage for Tropical Diseases and Local Risks
With its location close to the equator, tropical and mosquito-borne diseases are common in Thailand. Expats should make sure their coverage includes necessary treatments and prevention for these diseases.
Thailand is also notorious for its road safety records and road accident statistics. Expats are recommended to carefully review how their policy handles road traffic-related injuries or loss.
Learn more about common diseases in the Land of Smiles in this article: Top 13 Diseases and Medical Conditions in Thailand that Expats Should Be Aware Of
Emergency Medical Evacuation and Repatriation Coverage in Thailand
While major cities boast leading medical institutions, healthcare access and quality can fluctuate across Thailand. Expats living outside of major cities or in Thailand’s rural region will want to secure emergency medical evacuation or repatriation coverage for emergency healthcare access.
Emergency medical evacuation includes transportation to the closest available healthcare facility should the facility in your area not be able to handle your illness or condition.
Medical repatriation lets you be transported back to your home country or your country of residence for continued care.
If you are looking to explore Thailand beyond its major cities, this coverage can be crucial to your healthcare access, as medical evacuation and repatriation can incur significant costs, and advanced treatment may not be readily available.
What to Look for When Choosing Your Insurer in Thailand
With abundant choices of insurers and insurance offerings in Thailand, there are certain things that you can look for to narrow down your choices, including exclusions, claims turnaround time, technological support, and language support.
Full Reimbursement and Few Exclusions
When choosing your insurer, it is essential that you thoroughly comb through their exclusions and terms and conditions. This is where they will outline what your policy will cover and how much. The more you understand these fine prints, the more you can avoid having your claims rejected.
Timely Reimbursement
It may take a couple of days or even several weeks for your claim to be approved and paid out. Expats will want to make sure their preferred insurer has a positive reputation when it comes to their claims process, whether it is timeliness or customer support in case of complex claim consideration.
Technological Support
Paperwork can be a nuisance. Many insurers have introduced online services, from claim submission to complementary virtual health consultation. A good suite of online services can ensure a simpler and smoother insurance experience for you.
Multilingual Support
For expats living abroad, multilingual support can be crucial for your healthcare and insurance access. Some insurers will have interpretation and translation services to make sure your insurance needs and concerns are properly addressed.
Frequently Asked Questions
Can you get health insurance at 70 years old in Thailand?
Yes, it’s possible. Insurers like Allianz Ayudhya, Pacific Cross, and more have plans that are tailored for older expats. Brokers like Pacific Prime can help older expats compare and secure plans that are tailored to their needs and age groups.
Do I need health insurance to retire in Thailand?
Your health insurance requirement will depend on your visa’s status in Thailand. If you’re entering Thailand with an O-A visa, you must have at least THB 40,000 in outpatient coverage and THB 400,000 in inpatient coverage.
Can I claim my UK pension while living in Thailand?
Yes, UK expats can claim their UK State Pension or new UK State Pension while living in Thailand.
Conclusion
There is much more to your right insurance plan than its price tag. A good health insurance plan should meet all your healthcare needs at the right price tag and with ample support to make your experience all the more smooth.
An insurance broker like Pacific Prime can help you compare plans and address any of your insurance concerns as you settle down in the Land of Smiles.
Thailand has a wealth of insurance options for expats to choose from, and our expert insurance advisors are more than happy to assist British expats in their insurance journey, from finding the plan that works to representing your interests in negotiation with the insurer.
Whether you are looking for an insurance plan for yourself or your loved ones, let our advisors help.
Contact us now for personalized insurance advice and plan comparison, free of charge.
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