Dental Health Insurance In Thailand For Expats
Dental health insurance for expats in Thailand usually covers routine dental treatments, like tooth cleanings, simple fillings, consultations, and major dental treatments, such as tooth adjustments, root scaling, and bridgework. Having dental insurance is a must for expats in foreign countries.
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It is very common for dental insurance that has been provided by an employer to be of a very low level with many exclusions and limitations. Some employers may not even provide the minimum dental insurance for their expat employees.
Expats will want to secure dental insurance from a private company so they can have the coverage they need to maintain good dental health for themselves and their families.
This article will explain the routine and major dental treatments dental insurance plans can cover, what additional health coverage dental plans can offer, and some quotes for premium fees.
After reading this article, you will find value in our core article What Insurance do I Need for Thailand? This guide for expats and travelers links to all of the articles we have related to insurance in Thailand you will need to consider before beginning your travels.
We also suggest learning about the costs of living in Thailand, what it’s like living abroad as an American, and how to move overseas when Living Abroad in Thailand. You may want to learn the same things about Living Abroad in Asia and in Europe as well.
Thailand Dental Insurance For Expats and Digital Nomads
Expats and digital nomads in Thailand who secure dental insurance often receive coverage for routine dental treatments and major dental treatments. Most dental insurance plans have a waiting period before they will accept claims for treatments. A typical waiting period is 10 – 12 months.
This waiting period is designed to protect insurance companies from having to pay for dental care you know you will need immediately after your policy begins. To prepare for this, we encourage expats everywhere to buy a dental policy as soon as they know they will be moving to Thailand.
Almost all dental insurance plans for expats accept to cover pre-existing dental conditions. That’s because it’s very rare for someone to have never had dental cleanings and simple treatments previously in their life, so almost everyone has a pre-existing dental condition.
Be sure to check out our Expat’s Guide to Dental Care and Insurance in Thailand. It provides a comprehensive look at dentist options in Thailand, the costs of some dental procedures, dental insurance key considerations, and more!
Many dental insurance plans do not provide coverage for travel needs, such as lost, stolen, or damaged luggage, flight delays or cancellations, or canceled trips. To be insured for those scenarios, you’ll want to look into getting the best travel insurance for Thailand travelers.
Routine Dental Treatment for Thailand Expats
Here are some routine dental treatments expat dental insurance plans in Thailand may cover:
- Consultations and Examinations
- Tooth Cleanings
- X-rays
- Local Anesthesia
- Simple Fillings
- Root Canal Treatments
- Emergency Treatments
- Occlusion Bars
- Extractions
- Mouth Guard and Night Guard
- Fissure Sealant
Major Dental Treatment for Thailand Expats
Here are some major dental treatments expat dental insurance plans in Thailand may cover:
- Tooth Adjustments
- Periodontitis Treatments
- Gingivitis Treatments
- Bridgework and Repairs
- Temporary Crowns
- Porcelain Crowns
- Gold Jackets
- Membrane Treatments
- Root Scalings
- Dentures and Repairs
- Inlays and Onlays
- Major Restorative Treatments
- Surgical Procedures
Additional Coverage Included in an Expat Dental Health Plan
Thailand expats can choose to get a combined dental and health insurance plan that provides general health coverage as well. While there is a wide variety of plan options, you can choose a plan that includes inpatient and/or outpatient coverage, emergency medical coverage, vision coverage, and more.
Here are a few types of combined dental and health insurance plans available to expats moving to Thailand:
International Health Insurance Plan
An international health plan provides medical and dental insurance anywhere in the world instead of in one single country. These plans can include inpatient and outpatient coverage, optical coverage, emergency services, maternity coverage, specific activity coverage, and more.
These plans can be more catered to travelers who move between countries regularly.
Expat Health Insurance Plan
An expat health insurance plan meets the medical and dental needs of expats. They also include international coverage in any country of the world, maternity and newborn coverage, dental and vision care, emergency treatments and evacuation, inpatient and outpatient care, and more.
These plans can be more catered to expats who spend most of their time living in one country but who still travel internationally.
Global Health Insurance Plan
Global health insurance plans for expats are even more comprehensive in scope than international and expat health insurance plans. They often provide coverage for everything previously mentioned in the above plans but to a greater extent. These plans are often very customizable.
Private Health Insurance Plan
A private health insurance plan is a strong option for expats moving to Thailand. These plans are provided by a private insurance company, unlike a public plan organized by the local government, and they are customizable and cater to the local Thailand dental and medical needs of expats.
A private Thailand health insurance plan can provide health insurance coverage in addition to the dental coverage you need in Thailand.
It’s important to understand that in some situations, dental and health coverage can be insured under the same policy. In other situations, Thailand expats will need to purchase two plans: one that covers their dental needs and one that covers their health needs.
Contact Pacific Prime by filling out our contact form to get answers to the questions you currently have.
Quotes for Expat Dental Health Insurance in Thailand
We provide several premium quotes in this section for expat dental health insurance in Thailand. Each scenario is for a different demographic, and we show quotes from a number of the top dental insurance providers for expats in Thailand. We always recommend comparing between companies.
These quotes come from our free insurance quote generator, which we highly recommend you explore on your own. By plugging in your own information and insurance needs, you can get the most accurate estimate of how much a dental health plan will cost in Thailand.
Please Note: The following quotes are only estimates and are subject to change once you apply your unique coverage needs and traveling situation.
Thailand Dental Health Insurance Quotes
Below are the quote samples for a 50-year-old American who plans to get coverage in Thailand for a year or more. These plans provide worldwide coverage, excluding the USA. All monetary estimates are in USD.
| Insurance Provider | Monthly Premium | Deductible (excess) | Annual Limit | Dental Coverage | Inpatient Coverage | Emergency Evacuation |
|---|---|---|---|---|---|---|
| Thaivivat | $21 | $0 | $7,340 per condition | ✔ | ✔ | ✔ |
| Thaivivat | $40 | $0 | $18,350 per condition | ✔ | ✔ | ✔ |
| Pacific Cross | $54 | $300,000 | $37,000 per condition | ✔ | ✔ | ✔ |
| April International | $56 | $327,500 | $105,000 | ✔ | ✔ | ✔ |
| April International | $57 | $327,500 |
$525,000 |
✔ | ✔ |
✔ |
| April International | $68 | $327,5000 | $1,051,000 |
✔ |
✔ |
✔ |
| Pacific Cross | $98 | $40,000 | $93,000 per condition |
✔ |
✔ |
✔ |
The higher your deductible, the lower the premium will be. If you want a lower deductible, since you know you’ll have a lot of medical expenses, you’ll need to compromise with a higher premium.
When you use our free insurance quote generator, you can save and compare your quotes, which makes it easy to return and review them later.
Frequently Asked Questions
How much does expat dental insurance cost in Thailand?
Expat dental insurance in Thailand for a 55-year-old male can cost as low as USD $28 a month. This quote includes health insurance with inpatient coverage, maternity coverage (for dependents), emergency evacuation, and emergency repatriation. This estimate comes from Thaivivat.
Is it more affordable to see a dentist in Thailand?
Dental treatment and services are about 60% more affordable in Thailand than in Western countries. Medical tourism to Thailand for dental and other healthcare needs has skyrocketed in recent years due to its top-notch facilities and equipment, high-quality professionals, and low prices.
Why are tourists traveling to Thailand for dental care?
Medical tourism to Thailand is increasing for dental care and health care because while medical costs have inflated in much of the world, prices remain low in Thailand. This says nothing negative about the care in Thailand, however, as they boast of top-notch equipment, clinics, and professionals.
Is dental insurance for expats the same as health insurance?
Dental insurance is not the same as health insurance for expats moving to Thailand. Dental insurance provides coverage for routine and major dental treatments. Health insurance, though, provides coverage for benefits such as hospitalization, outpatient preventative care, and emergency needs.
Will my US dental insurance plan cover me in Thailand?
Most US dental insurance plans will not cover you in Thailand. This is because dental insurance plans in the USA only provide coverage within the United States and its territories. Expats moving to Thailand will need to secure a dental insurance plan that provides coverage in Thailand.
How much does a root canal cost in Thailand?
A root canal in Thailand can cost anywhere from THB ฿9,000 – ฿27,000. A crown can cost about THB ฿8,200 – ฿22,200. A dental implant can cost about ฿35,000 – ฿85,000. Learn more about price estimates for dental care in Thailand.
Conclusion
Dental health insurance is more affordable in Thailand than in many Western countries and other areas in Asia. Because of Thailand’s phenomenal healthcare facilities and professionals, it has become quite the hot spot for medical tourism where people visit Thailand strictly for medical care.
We highly recommend purchasing dental insurance so you can maintain the health of your teeth without breaking the budget.
Get a free quote today and contact Pacific Prime to answer your questions about dental insurance in Thailand. We are an insurance brokerage with over 20 years of experience and over a million clients insured. We know the market, we know Thailand, and we can guide you to find the best provider and policy for your needs.
And when all is said and done, happy traveling around the globe!
Further Reading:
- Holiday Insurance in Thailand
- Top 12 Best Places to Live in Thailand
- Best Places to Live in Asia
- The 12 Best Places to Live in Europe
Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is.
Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.
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Comments
4 Comments
How do the costs of dental treatments for expats in Thailand compare to those in their home countries, and are there ways to reduce these costs further?
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Hi Mitchell,
Dental treatments in Thailand are significantly more affordable for expats compared to many Western countries, often costing up to 60% less due to lower operating costs and competitive pricing, while maintaining high-quality standards in care. For example, a root canal in Thailand costs approximately THB ฿9,000–฿27,000, whereas the same procedure in the U.S. or Europe could cost several times more. Expats can further reduce costs by securing a comprehensive dental insurance plan tailored to their needs or by combining dental coverage with a general health insurance policy to gain added savings and benefits.
For personalized advice and a free dental insurance quote, contact Pacific Prime today!
Hi marketing online,
Thank you for your kind words and for sharing how the blog post resonated with you! We’re thrilled that you found the information helpful and actionable. Our goal is to provide expats with practical insights and solutions, especially for challenges like dental health insurance in Thailand.
If you’d like additional suggestions or have specific concerns, feel free to explore our other articles or contact Pacific Prime directly for personalized advice and a free quote. We’re always here to help!
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