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Optimum Global Insurance For Expats & Travelers In Thailand

Optimum Global is an international medical insurance specialist providing comprehensive coverage and personalized service to expats and travelers around the world, including in Thailand. With headquarters in the UK, Optimum Global is regulated by the country’s Financial Conduct Authority (FCA).

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Catering to expats, solo professionals, families, remote employees, digital wanderers, regular voyagers, and other globally-minded individuals in Thailand and beyond, Optimum Global offers a wide variety of insurance plans aimed at providing exceptional and tailorable healthcare solutions. 

Intrigued by Optimum Global? Use our online quote generator to get a FREE, no-obligation quote.

You can get a better idea of the health insurance landscape in Thailand here

See an overview of the top insurers in Thailand if you’re still unsure.

You should also familiarize yourself with Optimum Global, which this Pacific Prime article should help with! We’ll divulge everything you need to know about the insurer and their offerings, as well as why it may be a better idea to secure Optimum Global insurance solutions via a broker like us. 

Note: Optimum Global Insurance also provides insurance solutions for groups and corporates, but we’re focusing on individual and family coverage in this article.

Services Offered By Optimal Global Insurance 

Optimum Global prides themselves in the exceptional and personalized service they offer clients. From around-the-clock assistance to seamless enrollment without the need for medical exams and a hassle-free claims process, Optimum Global strives to enhance their clients’ insurance experience. 

Krabi's Phi Phi Islands

Here are the full list of services offered by Optimum Global:

  • Immediate cover
  • Seamless enrollment without the need for medical exams 
  • Comprehensive protection and no hospital restrictions
  • Multilingual emergency assistance
  • 24-hour customer support for medical emergencies
  • Easy and straightforward claims process, with all claims aimed to be appraised within 7 working days.

You can also get peace of mind knowing that Optimum Global is regulated by the FCA, all of their plans are insured by the AXA Group – which is one of the world’s largest financial services groups, and their systems and databases are compliant with the General Data Protection Regulation (GDPR). 

Optimum Global Insurance Solutions for Expats

If you’re an expat living and working abroad in Thailand, it’s a good idea to consider an international health insurance solution like the one offered by Optimum Global. You’ll get peace of mind knowing that you’ll get top quality healthcare wherever you are – be it in Thailand or overseas. 

Of course, not all international health insurance plans were created equally. Some offer more coverage than others, and will be more expensive as a result. Depending on your needs and budget, you can opt for one of five tiers of coverage at Optimum Global: Pearl, Sapphire, Ruby, Jade, and Diamond. 

Optimum Global Insurance Pearl

Pearl plans have an annual limit of USD $250,000. Pearl plans cover in-patient hospital costs, including, but not limited to, cancer treatment and kidney dialysis. Pre and post-hospitalization expenses are also covered, as are medical evacuation costs. Outpatient benefits are not covered. 

Optimum Global Sapphire

Sapphire plans have an annual limit of USD $1,000,000. In addition to all the benefits that Pearl plans provide, Sapphire plans cover home nursing and complications related to maternity. Note that this isn’t the same as maternity coverage, which is a rider or optional extra that is not covered. 

Optimum Global Ruby 

Ruby plans have an annual limit of USD $1,500,000. In addition to all the benefits that Sapphire plans provide, Ruby plans cover general practioner (GP) consultations and alternative medicine. Another key difference is that riders or optional extras like maternity and dental coverage are provided.

Optimum Global Jade 

Jade plans are exactly the same as Ruby plans in terms of benefits provided. The only difference is that the annual limit is higher at USD $2,000,000. It is recommended for individuals who want the increased peace of mind that comes from a higher coverage, and don’t mind paying extra for this. 

Optimum Global Diamond

Diamond plans are exactly the same as Ruby and Jade plans in terms of benefits provided. The only difference is that the annual limit is higher at USD $5,000,000. It is recommended for individuals who want the increased peace of mind that comes from a much higher coverage, and don’t mind paying a premium for this. 

Optimum Global Insurance Solutions for Travelers

Optimum Global travel insurance is offered by Journeyman Services, their third-party partner. You can choose from single trip or annual multi trip coverage, as well as for worldwide or worldwide excluding USA, Canada, and the Caribbean coverage. Winter and adventure sports are also covered.

Above Ko Phi Phi Leh, Thailand

If you’re planning to travel to Thailand, securing travel insurance is worth it. This allows you to travel without worrying about the financial consequences of getting sick or meeting with an accident. Trip cancellations, travel delays, lost or stolen bags, and personal liability are also covered. 

Why You Should Use a Broker 

Working with a broker like Pacific Prime as opposed to securing a plan from Optimum Global directly means that you’ll get 100% impartial advice on whether or not an Optimum Global plan meets your needs. Other reasons include our expat-focused customer service and localized support.

Get the Best Plan for Your Needs with a Broker

Given that Pacific prime works with many global insurers and Thailand-specific insurers, we have access to the full range of market options when recommending you an insurer and plan. This means that you’ll be more likely to get a plan that meets your needs, which may or may not be Optimum Global. 

Benefit From Expat-Focused Value-Added Services 

As Pacific Prime was founded on the mission to simplify insurance for expats, we provide dedicated expat-focused support services. Whether it’s through hiring expat, multilingual advisors or helping clients navigate the local healthcare landscape in Thailand, you’ll be in safe hands. 

Here’s the full range of value-added services you’ll get through working with us:

  • You won’t need to scour the web for insurer quotes as you can easily generate quotes from multiple insurers using our handy online quotation tool.
  • You’ll get to work with expat advisors like yourself who understand your challenges and speak your language, which means they’ll be better placed to help you. 
  • You won’t need to worry about the nitty gritty of insurance and can benefit from help with form filling, insurer liaisons, claims submission, renewing a plan, and more. 
  • You’ll have on-hand help whenever you need it. For example, recommendations for the best hospitals in a given place. 

Pay Competitive Premiums 

You can rest assured that the premiums we quote you are competitive and inline with what insurers will offer you. This is because insurers tend to work with third parties like brokers to help them sell their products and prefer to avoid providing any discounts to clients who come to them directly. 

Frequently Asked Questions

What is the difference between international health insurance and regular health insurance?

International health insurance is designed to provide coverage for medical care in many different countries – though plans can differ in their areas of coverage. In contrast, regular health insurance is domestic-focused and tends to only cover medical care in a single country.

Who is the target market for international health insurance plans? 

The target market for international health insurance plans are expat individuals and families who travel, live, and work in multiple countries. This enables them to globetrot without worry as they have access to high quality healthcare in their country(ies) of destination.

Do international health insurance plans cover pre-existing conditions?

Some international health insurance plans do cover pre-existing conditions, while others exclude them. Those that do may also attach a waiting period or premium loading to the plan, so it’s important to read the policy details carefully. 

Do international health insurance plans cover COVID-19?

International health insurance plans don’t generally have special provisions for COVID-19 coverage. Just like any other condition, COVID-19 tends to be covered by either inpatient or outpatient benefits. 

Is emergency medical evacuation covered under an international health insurance plan?

Emergency medical evacuation is covered under the majority of international health insurance plans. With that said, the extent of coverage and specifics may vary between providers and plans. Make sure you read the policy details carefully to find out. 

Conclusion 

Whether it’s the Pearl, Sapphire, Ruby, Jade, or Diamond plan, Optimum Global has many different tiers of coverage to suit expat needs. On top of this, the insurer also caters to travelers. Its multiple plan options, coupled with its personalized service, make Optimum Global an excellent choice. 

Instead of getting in touch with Optimum Global directly, why not secure a plan through Pacific Prime? We have over two decades of experience as a broker and can help you compare plans, provide impartial advice and a free quote, as well as support and assistance throughout your insurance journey. 

Need help with using our online quotation tool? No problem – you can have a look at our tutorial on how to use it. 

You’re also more than welcome to reach out to a member of our team if you have any questions or concerns. We’ll not only advise you on Optimum Global plans, but will also let you know your other options in the market such as, but not limited to, plans from NOW Health and William Russell

Contact us to get started today!

Senior Content Creator at Pacific Prime
Suphanida is a Senior Content Creator at Pacific Prime, an award-winning global health insurance and employee benefits specialist.

With over 5 years of experience in the field, Suphanida spends the majority of her day synthesizing complex pieces of insurance-related information and translating this into easy-to-understand, engaging, and effective content across a variety of media such as articles, infographics, whitepapers, videos, and more.

Suphanida is also responsible for planning and publishing three whitepapers released annually by Pacific Prime: The State of Health Insurance Report, The Cost of Health Insurance Report, and The Global Employee Benefits Trends Report. Additionally, she handles the LinkedIn profiles of Pacific Prime’s Founder and CEO, as well as Global HR Lead.

Suphanida’s strengths lie in her strong research and analytical skills, which she has gained from her BA in Politics from the University of Warwick and Erasmus Mundus Joint MA in Journalism from Aarhus University and City, University of London.

Being of Thai-Indian origin and having lived, studied, and worked in Thailand, the UK, and Denmark, Suphanida also has a unique, multicultural perspective that helps her understand the struggles of expats and globetrotters.

Outside of work, she enjoys traveling to new places and immersing herself in different cultures.
Suphanida Thakral