Thailand’s Best Travel And Expat Health Insurance Companies
The best medical benefit insurance providers for travelers and expats in Thailand include Cigna, VUMI, GeoBlue, AXA, IMG, Luma, LMG, Allianz, April International, AIA, Pacific Cross, Thaivivat, MSIG, Morgan Price, HealthCare International, NOW Health, Optimum Global, and William Russell.
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Are you planning a trip or move to Thailand? Are you looking for a quality health insurance plan from a reputable company before you move abroad? In this article, we’ll list the best insurance providers and offer readers a feel for their plans and benefits.
Expat And Travel Insurance Providers In Thailand
Insurance companies in Thailand may offer expat health insurance, travel insurance, or both. The key to selecting the right provider for your needs in Thailand is finding a plan in your budget with the most coverage you can get. You’ll need to compare plans and pricing from multiple companies.
Here are some of the providers that you’ll find when you compare insurance quotes:
- Cigna
- VUMI
- GeoBlue
- AXA Thailand
- IMG Insurance
- Luma
- Allianz Ayudhya
- April International
- AIA
- Pacific Cross
- Thaivivat
- MSIG
- Morgan Price
- HealthCare International
- NOW Health Insurance
- Optimum Global
- William Russell
Each of these insurance providers have unique travel and healthcare plans for expats and travelers. If possible, we recommend comparing plans from each one to see which fits the best for your unique healthcare needs.
For assistance in using Pacific Prime’s comparison tool, please check out our tutorial to see how to sort by pricing or other plan features.
Private Expat Health Insurance in Thailand
The advantage of purchasing medical coverage through a private company is the greater affordability of services at private international hospitals in Thailand. These private hospitals offer shorter wait times and fewer language barriers for foreigners in contrast to their public counterparts.
Expats will find the tools and resources in our guide to expat health insurance in Thailand helpful.
Travel Insurance Policies in Thailand
Travel insurance in Thailand is not required, but insurance with medical benefits is highly recommended by the CDC. Without insurance, any accidents or illnesses while on vacation will have to be paid for completely out of pocket.
Even though healthcare is less expensive in Thailand than in most countries around the world, costs still add up. Thailand uses a dual-pricing model that charges foreigners more than citizens for the same medical services.
To learn more about travel insurance in the Land of Smiles, we recommend reading our guide for travel insurance in Thailand.
Cigna Insurance In Thailand
Cigna offers various insurance policies for travelers and expats in Thailand. Thanks to 24/7 customer care along with reliable service and access to Thailand’s private hospitals, expats and travelers heading to Thailand will have peace of mind with Cigna.
There are three standard policy tiers, but plans are flexible and can be customized for additional coverage. Premiums are adjusted based on selections.
Here is a great benefit you may not find from other insurers: After a two-year waiting period, Cigna policyholders are eligible for medical services to treat obesity.
We will offer a brief overview of Cigna’s plan options here. For additional information on Cigna’s plans and benefits, consult our guide about Cigna’s plans in Thailand.
Cigna Standard Silver Plan
Cigna’s Standard Silver Policy provides up to USD 1,000,000 in coverage. Customers may select a policy with an annual out-of-pocket maximum of USD 2,000 or USD 5,000. Deductibles and premiums depend on the details of the plan and the profile of the insured party, including age and gender.
Cigna Standard Gold Plan
Cigna’s Standard Gold Plan provides up to USD 2,000,000 in coverage. Annual out-of-pocket maximums may be USD 2,000 or USD 5,000. Premiums, deductibles, and copays will vary depending on specific plan selections and the profile of the insured party.
Cigna Standard Platinum Plan
Cigna’s Standard Platinum plan’s annual benefits are paid in full with relatively low out-of-pocket maximums: USD 2,000 or USD 5,000. Premiums will depend on your specific policy selections, your age, and other profile features that impact your health risks.
VUMI Insurance in Thailand
VUMI (VIP Universal Medical Insurance) is one of the top two providers of individual private medical insurance in Thailand. Expats love VUMI’s flexible modular benefit packages to customize their health insurance abroad.
Applicants can be as old as 74 years old. VUMI plans may be global or regional, depending on where you need coverage.
For expats, VUMI offers the following health plans:
- Global Flex VIP Basic
- Global Flex VIP Standard
- Global Flex VIP Superior
- Global Flex VIP Ultra
- Global Flex VIP Total
VUMI also offers travel insurance plans! For additional information about VUMI’s outstanding travel insurance coverage, see this blog post.
Global Flex VIP Basic through VUMI
VUMI’s Global Flex VIP Basic is a minimal coverage plan for expats seeking basic coverage. Despite being a basic plan, VUMI offers up to USD 3,000,000 in maximum coverage annually. Deductibles range from USD 0 to USD 20,000, depending on your needs.
Global Glex VIP Standard through VUMI
The Global Flex VIP Standard plan through VUMI has up to USD 3,500,000 in maximum medical benefits per year. There are 12 different deductibles or coinsurance plans available with this policy. Policyholders will be able to see the medical provider of their choice.
Global Flex VIP Superior through VUMI
VUMI’s Global Flex VIP Superior plan provides up to USD 4,000,000 in annual medical benefits. Annual out-of-pocket maximum can range from USD 0 to USD 6,000 on this plan, depending on your selection.
Global Flex VIP Ultra through VUMI
The Global Flex VIP Ultra plan offers up to USD 4,500,000 in annual medical benefits through VUMI. Policyholders have a free choice of medical providers and a wide range of deductible options.
Global Flex VIP Total through VUMI
VUMI offers up to USD 5,000,000 in annual medical benefits with the Global Flex VIP Total plan. There are 12 different deductible options, and an out-of-pocket maximum can range from USD 0 to USD 6,000, depending on your needs.
GeoBlue Insurance In Thailand
GeoBlue (associated with BlueCross BlueShield) boasts one of the largest worldwide direct billing networks for expats and travelers. This means hospitals in Thailand are more likely to be able to bill insurance directly for your medical services.
GeoBlue offers three plans for Thailand. One is best suited for expats, another for a single trip, and the last plan is best suited for frequent travelers. For additional policy details, check out Pacific Prime’s article about GeoBlue Insurance in Thailand.
GeoBlue Xplorer Premier
GeoBlue Xplorer Premier is best suited for expats or long-term trips since the minimum length of coverage is six months. This plan has unlimited annual and lifetime medical benefits for services provided outside of the USA.
GeoBlue Voyager Choice Single Trip Travel Insurance
U.S. citizens enrolled in a primary health insurance plan will like the medical benefits of the Voyager Choice Single Trip plan. Policyholders have up to USD 500,000 in medical evacuation benefits to get them safely to a hospital with the right services while traveling abroad.
GeoBlue Trekker Choice Multi-Trip Travel Insurance
Multi-trip travel insurance through GeoBlue is perfect for US citizens with a primary plan who frequently travel abroad. The Trekker Choice plan provides up to USD 500,000 in medical evacuation benefits per policy period and has coverage options for pre-existing conditions.
IMG Insurance Thailand
International Medical Group (IMG) provides plans for expats and travelers in Thailand. The insurance provider has more than 800,000 providers and hospitals in their global network. IMG also offers services in up to 18 languages!
We’ll offer some plan highlights for coverage through IMG for expats and travelers, but you can explore more details in our blog post exclusively about IMG in Thailand.
IMG Insurance for Expats in Thailand
IMG Global offers insurance options for expats and their families who need insurance for one year or longer. Plans through IMG include the Bronze Plan, the Silver Plan, the Gold Plan, and the Platinum Plan.
The silver, gold, and platinum plans also feature the option of adding term life insurance coverage.
The bronze, silver, and gold plans have the option of adding dental and vision riders while sports riders are exclusive to gold and platinum plans. Whereasterrorism riders are exclusive to platinum plans.
IMG Travel Insurance In Thailand
IMG Travel insurance includes the Patriot International Plan in Thailand with three tiers of coverage: the Multi-Trip Plan, the Lite Plan, and the Platinum Plan. All plan tiers have an option for an adventure sports rider.
For additional coverage, the Lite and Platinum plans have options for an Accidental Death & Disability (AD&D) rider and a device protection rider. The Platinum tier includes access to an exclusive travel intelligence app.
AXA Thailand Insurance
AXA Thailand is an excellent insurance option because the company has been providing insurance in Thailand for more than 20 years. Certain plans also have options for pre-existing condition coverage. AXA Thailand also offers family discounts of up to 15% for some plans.
For additional plan details for AXA Thailand Insurance plans, you can find more information in our article about AXA Thailand.
AXA Thailand SmartCare Essential
AXA Thailand’s SmartCare Essential is a collection of plans dedicated to the basics for expats in Thailand. The plan covers USD 30,000 to USD 60,000 in inpatient medical services. Outpatient coverage options are also available with the SmartCare Essential plans.
AXA Thailand SwitchCare
AXA Thailand’s SwitchCare plan covers expats in most of Asia. It has more comprehensive coverage than the SmartCare Essential Plans because it covers both inpatient and outpatient expenses from USD 105,000 to USD 900,000.
AXA Thailand International Exclusive
The International Exclusive Plan through AXA Thailand provides worldwide coverage from USD 1,400,000 to USD 2,800,000. The plan offers maternity benefits and full outpatient benefits with certain policies. This is the most comprehensive coverage through AXA Thailand.
AXA Thailand Long Stay Visa
The Long Stay Visa plan covers the bare minimum requirements in Thailand for visa requirements through AXA Thailand. This coverage is for medical services in Thailand only. Coverage includes maximum inpatient benefits from USD 12,000 to USD 18,000.
AXA Thailand Travel Insurance
AXA Thailand insurance plans are available for tourists visiting Thailand as well as Thai residents traveling outside of Thailand. These plans offer lost luggage benefits, trip interruptions, cancellations, or delays, and up to USD 2,000,000 in emergency medical services while traveling.
Luma Insurance Thailand
Luma Insurance is headquartered in Thailand, and its extensive in-network providers can be found at highly esteemed private international hospitals such as Samitivej, Bangkok, and Bumrungrad Hospitals. Plans are available for travelers and expats and include a second medical opinion benefit.
We have included a summary of the plans through Luma below, but you can uncover more details about Luma’s plans in our article about Luma Insurance in Thailand.
Luma Expat Insurance In Thailand
Luma offers two main plans for expats in Thailand. These plans are for residents of Thailand aged 70 or younger who live in Thailand at least 180 days of the year. Plans include the Hi5 Health insurance and PRIME health insurance.
Both plans have different coverage tiers and optional dental, vision, and maternity coverage.
Luma Travel Insurance
Luma travel insurance covers travelers in Thailand aged 4 weeks to 75 years. Coverage tiers include Economy, Premium Economy, Business, and First. Although the benefit limit varies, all plans through Luma include coverage for COVID-19.
LMG Insurance In Thailand
LMG Insurance offers plans geared toward Long Stay Visa holders in Thailand in addition to their more comprehensive plans for individual health insurance. Plans through LMG have many tiers of coverage to allow expats to customize according to their insurance needs.
LMG’s most comprehensive plan is the Elite Plus Individual Health and Accident Insurance. This plan comes in three tiers: bronze, silver, and gold.
LMG also offers Individual Health and Accident Insurance Universal Plus with five different tiers of coverage to choose from. Plans cover you worldwide, excluding the USA.
For those applying for Thailand’s Non-Immigrant Visa O-A (long stay), you may also be interested in LMG’s Long Stay Visa Insurance options.
Allianz Ayudhya Insurance In Thailand
Allianz Ayudhya offers a variety of insurance plans with different coverage and premium options. Expats can find plans for themselves or family members that meet basic requirements or find affordable, comprehensive options. These plans also include telemedicine coverage.
If you would like more plan details, consider reading Pacific Prime’s article dedicated to options from Allianz Ayudhya in Thailand. Or, if you just would like a visa-compliant plan for your Long Stay Visa application, you can read more about your options here.
Allianz Ayudhya Basic Care in Thailand
Allianz Basic Care focuses on the essentials: inpatient care in Thailand up to USD 21,450 per policy year. An important feature of this plan is the lifetime renewal benefit. If you select this policy before age 60, you may renew it every year until age 80!
Allianz Ayudhya Max Care in Thailand
Allianz Max Care provides up to USD 143,000 per injury or illness. This policy can also be renewed up to age 80 if you signed up before age 60. You’ll have even greater coverage and a medical network of over 490 hospitals and clinics in Thailand.
Allianz Ayudhya Care Anywhere
Allianz Ayudhya also offers international health insurance options for expats with the Care Anywhere plan. This plan covers expats worldwide, excluding the USA. Policyholders can claim up to USD 22,880 per injury or illness.
Allianz Ayudhya Beyond Care
Allianz Ayudhya Beyond Care offers international health insurance with up to USD 1,000,000 in medical coverage for emergencies. This international policy covers you anywhere in the world except the United States.
Allianz Ayudhya UltraCare
Allianz Ayudhya UltraCare Health Insurance offers full hospitalization coverage worldwide (excluding the USA). They have an extensive network to alleviate the headache of reimbursement. Maximum coverage is USD 5,720,000 per year.
Travel Plus Health Insurance Plan from Allianz Ayudhya
Allianz Ayudhya’s Travel Plus insurance plan coverage begins just two hours after you start your journey! You’ll enjoy up to USD 143,000 in maximum benefits for accidents or illness while on vacation. This plan has Schengen Visa approval.
April International In Thailand
April International offers plans for both travelers and expats. The company provides 24/7 customer support and help with referrals. Plans can cover you worldwide or worldwide with exclusions, depending on your needs and budget.
You can find more information about April International’s expat health insurance plans and maternity coverage options in this blog post dedicated to April International.
April International is one of the best travel insurance companies too!
Pacific Cross Insurance in Thailand
Pacific Cross sells expat health insurance policies and travel insurance. The company specializes in Southeast Asia, including Thailand. Pacific Cross has been in the insurance business for over 45 years.
Plans for expats from Pacific Cross include
- Standard Plan (with extra option also available)
- Premier Plan (with plus option also available
- Maxima Plan (with plus option also available)
- Ultima Plan (with plus option also available)
Thaivivat Insurance In Thailand
Thaivivat is an insurance company in Thailand that serves both Thai nationals and foreigners living in the country. Accidents and illnesses outside of Thailand have coverage for excursions outside of Thailand for less than 30 days in most areas of the world.
Thaivivat offers Star 1 Plus through Star 6 Plus health insurance plans. Star 1 Plus offers an annual benefit limit of USD 4,058. Star 6 Plus is the highest level of coverage and has an annual benefit limit of USD 216,450.
For additional details about Thaivivat’s plans, you may enjoy our article about Thaivivat Insurance.
MSIG Insurance In Thailand
MSIG provides insurance options for Thai nationals and travel insurance. The company’s travel insurance plans include domestic and worldwide plans. The Travel Easy Plus plan also includes additional non-medical benefits compared to the Travel Easy plan through MSIG.
To learn more about the travel insurance options available through MSIG, consult our blog post solely about MSIG in Thailand.
Morgan Price Insurance In Thailand
Morgan Price provides outstanding customer service and offers an irresistible health insurance plan for expats and families who move frequently in Asia called the Flexible Choices Plan. This plan is available to new customers up to age 55, but there is no maximum renewable age.
The Flexible Choices plan is available to local nationals from Bangladesh, Brunei, Cambodia, East Timor, India, Indonesia, Japan, Laos, Malaysia, Myanmar, Pakistan, Papua New Guinea, Philippines, Sri Lanka, Taiwan, Thailand, and Vietnam.
Find out more about Morgan Price and the Flexible Choices plan in this blog post.
HealthCare International In Thailand
HealthCare International offers expats in Thailand one of the most customizable insurance experiences. The company’s new NIMBL plan has more than 500,000 variations for coverage. It’s perfect for expats and their families.
HealthCare International also provides short-term insurance plans perfect for digital nomads in Thailand who may not want a traditional private insurance policy due to a shorter stay in any given country.
NOW Health International Insurance In Thailand
NOW Health International offers insurance plans for expats up to age 79. The company has a budget-conscious health insurance plan called SimpleCare. NOW Health International provides a modern insurance experience with digital claims submissions and dental coverage options.
Other plans from NOW Health International include:
Optimum Global Insurance In Thailand
Optimum Global offers multilingual customer service and plans with immediate coverage. The company has insurance solutions for both expats and travelers in Thailand. Coverage for expats ranges from a maximum benefit of USD 250,000 to USD 5,000,000.
Expat plans through Optimum Global are offered in five different tiers:
- Pearl
- Sapphire
- Ruby
- Jade
- Diamond
William Russell Insurance in Thailand
William Russell Insurance is a company that stands out in terms of customer service. William Russell uses personal account managers instead of impersonal call centers. Their plans also cater to expats seeking a fully independent insurance provider without shareholders.
William Russel offers the following plans, and you can read more about them in this article exclusively about William Russell.
- Bronze
- SilverLite
- Silver
- Gold
Their most comprehensive coverage in the Gold plan includes dental and maternity coverage as well as inpatient and outpatient expenses.
Other Resources For Expats And Tourists In Thailand
Pacific Prime offers complimentary guides to tourists and expats. For the world explorers, you may be interested in our following blog posts as places to visit or live. You can also compare the cost of living and dining out for your next vacation or relocation.
- Still researching places in Thailand? Read the Best Places for Expats to Live in Thailand for inspiration.
- Want to live or travel in Europe? Check out the Best places for Expats to Live in Europe.
- If you’re still exploring Asia, enjoy the Best Places for Expats to Live in Asia.
- For cost of living comparisons between the USA and Thailand, check out our Guide to Living Abroad in Thailand. You’ll also learn more about visas and moving to Thailand.
- To compare the cost of living between Thailand, the USA, and other Asian countries, find information in our Guide to Living Abroad in Asia.
- For additional cost of living comparisons, read our Guide to Living Abroad in Europe.
Conclusion
In conclusion, these top insurance companies in Thailand will offer expats and travelers various benefits and coverage areas.
With numerous insurance companies to choose from, each with varying benefits and the option for add-ons such as dental or vision care, expats and travelers can stay safe and healthy during their time in the land of smiles.
As a leading international health insurance broker, Pacific Prime has over two decades of experience in matching both expats and locals to their health insurance plan that matches both their budget and unique healthcare needs.
Whether you’re an expat in Thailand or a local Thai citizen yourself, Pacific Prime and our team of specialists are more than happy to help you out. And if you have any further questions, please get in touch with us.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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What are some common challenges expats face when dealing with medical claims in Thailand, and how can these be effectively managed?
One common challenge expats face when dealing with medical claims in Thailand is navigating the dual-pricing system, which can result in higher costs for foreigners, and ensuring that expenses align with their insurance policy’s coverage limits. Additionally, language barriers and unfamiliar hospital billing practices can complicate the claims process, particularly when using “pay and claim” policies. To manage these effectively, expats are advised to choose health insurance plans with direct billing, comprehensive customer support, and a strong local network, and to keep thorough documentation of medical treatments and receipts.
For assistance in finding an insurance plan tailored to your needs in Thailand, visit our Contact Us page at Pacific Prime!
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