Allianz Ayudhya Insurance In Thailand: For Expats And Travelers
Allianz Ayudhya, formerly Ayudhya Allianz CP Life (AACP), is one of Thailand’s leading insurers and a member of the Allianz Group, one of the world’s top financial groups. Founded in 1890 in Germany, Allianz Group now operates in over 70 countries and serves over 21 million customers in Asia.
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Are you an expat in Thailand deciding on health insurance? Are you also looking to stay insured while abroad with plans from Allianz Ayudhya? This Pacific Prime article will discuss health insurance from Allianz Ayudhya for both expats and travelers.
Introduction to Allianz Ayudhya
Allianz Ayudhya Assurance Pcl. and Allianz Ayudhya General Insurance Pcl. are the two core businesses of Allianz Ayudhya. They offer comprehensive protection for various needs, including life and health insurance, non-life insurance, travel insurance, cancer insurance, and more.
As a part of the Allianz Group, Allianz Ayudhya is recognized for its strength, reliability, and global expertise. It holds impressive accolades and ratings in the insurance industry, including an AA rating from Standard & Poor’s, an AA rating from Moody’s (Aa3), and an A+ rating from A.M. Best.
Allianz Ayudhya has also been ranked as one of the top five life and health insurance companies globally and one of the top three non-life insurance companies worldwide. It is well known for its leadership in travel insurance and 24-hour assistance services.
Customer centricity is at the core of Allianz Ayudhya’s philosophy. The company focuses on addressing customers’ needs through:
- Tailored products and procedures.
- Easy-to-understand insurance solutions
- User-friendly insurance solutions
This sincere approach to customer satisfaction has served its customers well.
Allianz Ayudhya’s excellence has been recognized through various prestigious awards. Among the notable honors are the Prime Minister Award for Best Technology for Life Insurance Company, the Global CSR Awards for Best Community Programme, and the Best CSR Insurance Company of the Year in Thailand.
With over 1,400 dedicated employees, 27 branches and service centers, a network of over 200 AZAY agencies, and over 70 years’ experience operating in Thailand, Allianz Ayudhya is well-positioned to serve its customers efficiently, including expats and travelers, wherever they are in Thailand.
Contact us to learn more about Allianz Ayudhya’s plans or have a no-obligation plan comparison today!
Allianz Ayudhya Health Insurance in Thailand for Expats
Whatever your needs and budget, whether you’re looking for a health plan for yourself or your family, and whether you’re in Thailand just for a brief period or for the long haul, Allianz Ayudhya has the right health insurance plan for you! The following is a summary of their current offerings:
Allianz Ayudhya Health Insurance Basic Care
If you’re seeking a comprehensive health insurance plan that provides coverage for hospitalization, look no further than Allianz Ayudhya’s Basic Care Health Insurance Plan. The plan has the following main features:
| Maximum benefits | Up to THB ฿750,000 (USD $21,450) per policy year |
| Room & board benefits | Up to THB ฿4,000 (USD $114) for a period of 365 days |
| Outpatient (OPD) and personal accident coverage | Optional |
| Cashless medical network | Available (certain restrictions apply) |
| Lifetime renewal guarantee | Available if the plan is purchased before the age of 60 years and continuously renewed; plans purchased after the age of 60 years can be renewed until the insured attains the age of 80 years. |
| Telemedicine service | Available with telemedicine providers within Allianz Ayudhya’s network |
Allianz Ayudhya Health Insurance Max Care
If you’re looking for affordable and comprehensive health insurance coverage for you and your family, Allianz Ayudhya’s Max Care Health Insurance Plan is the perfect choice. Your premiums can even be discounted at renewal if you made no claims in the preceding policy year:
| Maximum benefits | Up to THB ฿5 million (USD $143,000) per illness or injury |
| Room & board benefits | Up to THB ฿12,000 (USD $343) per day for a period of 365 days |
| Hospitalization benefits | Covering 80% of eligible expenses of inpatient hospitalization |
| Outpatient treatment (OPD), maternity, and personal accident coverage | Optional |
| Cashless medical network | Provides access to a cashless medical network consisting of over 490 hospitals and clinics nationwide (certain restrictions apply) |
| Lifetime renewal guarantee | Available if the plan is purchased before the age of 60 years and continuously renewed; plans purchased after the age of 60 years can be renewed until the insured attains the age of 80 years. |
| Telemedicine service | Available with telemedicine providers within Allianz Ayudhya’s network |
| Additional life insurance | Not required |
| No claim bonus (NCB) | Available |
Allianz Ayudhya Health Insurance Care Anywhere
If you are an expat in Thailand looking for international health insurance, Allianz Ayudhya’s Care Anywhere Health Insurance Plan is for you. This comprehensive plan provides you with a range of benefits and services to ensure your well-being no matter where you are:
| Coverage | Worldwide (excluding USA) |
| Maximum benefits | Up to THB ฿800,000 (USD $22,880) per illness or injury |
| Room & board benefits | Up to THB ฿7,000 (USD $200) per day for a maximum of 365 days |
| Outpatient cover | Optional and includes medication prescribed by telemedicine doctors |
| Telemedicine service | Available |
| Cashless medical network | Provides access to a cashless medical network consisting of over 490 hospitals and clinics nationwide (certain restrictions apply) |
| Deductible options | Available |
| Lifetime renewal guarantee | Available if the plan is purchased before the age of 60 years and continuously renewed; plans purchased after the age of 60 years can be renewed until the insured attains the age of 80 years. |
| Additional life insurance | Not required |
| Tax savings on premiums paid | Up to THB ฿25,000 (USD $715) (subject to rule changes by the Revenue Department) |
Allianz Ayudhya Health Insurance Beyond Care
If you’re seeking a higher level of health coverage with comprehensive worldwide protection, Allianz Ayudhya’s Beyond Care Health Insurance Plan is designed for you. You can opt for a plan with as much as USD $1,000,000 in available emergency medical assistance:
| Coverage | Worldwide (excluding USA) |
| Maximum benefits | Up to THB ฿30 million (USD $858,000) per illness or injury |
| Cover for medical expenses | Full (for necessary treatments) |
| Emergency medical assistance | Up to USD $1,000,000 |
| Cashless medical network | Provides access to a cashless medical network consisting of over 490 hospitals and clinics nationwide (certain restrictions apply) |
| Telemedicine service | Available with telemedicine providers within Allianz Ayudhya’s network |
| Lifetime renewal guarantee | Available if the plan is purchased before the age of 60 years and continuously renewed; plans purchased after the age of 60 years can be renewed until the insured attains the age of 80 years. |
| Deductible options | Available |
| Additional life insurance | Not required |
Allianz Ayudhya Health Insurance UltraCare
Allianz Ayudhya’s UltraCare Health Insurance Plan is a comprehensive international health cover that meets the needs of expats, Thai nationals, and their families. This plan provides extensive coverage and benefits so that you receive the best medical care and support, in Thailand and worldwide:
| Coverage | Worldwide (excluding USA) |
| Maximum benefits | Up to THB ฿200 million (USD $5.72 million) per year |
| Hospitalization coverage | Full |
| Emergency assistance and evacuation services | Available round the clock |
| Hospital Network | In Thailand and abroad; no need to go through the process of pre-authorization or submitting claims for reimbursement |
| Telemedicine service | Available |
| Cashless billing | Available for inpatient treatments within the network |
| Dedicated claims and administrative teams | Available |
| No claims discount (NCD) | Up to 25% at renewal |
| Tax savings on premiums paid | Up to THB ฿25,000 (USD $715) (subject to rule changes by the Revenue Department) |
Allianz Ayudhya Health Insurance Care Plus
If you’re looking to enhance your existing health insurance coverage, Allianz Ayudhya’s Care Plus Health Insurance Plan is the perfect solution. This affordable top-up plan allows you to boost your current coverage and enjoy additional benefits:
| Coverage | Worldwide (excluding USA) |
| Plan type | Top-up plan |
| Maximum benefits | Up to THB ฿600,000 (USD $17,160) for medical expenses |
| Room & board benefit | Up to THB ฿4,000 (USD $114) per day for a maximum of 365 days |
| Cashless medical network | Provides access to a cashless medical network consisting of over 490 hospitals and clinics nationwide (certain restrictions apply) |
| Lifetime renewal guarantee | Available if plan is purchased before the age of 60 years and continuously renewed; plans purchased after the age of 60 years can be renewed until the insured attains the age of 80 years. |
| Additional life insurance | Not required |
| Tax savings on premiums paid | Up to THB ฿25,000 (USD $715) (subject to rule changes by the Revenue Department) |
Allianz Ayudhya Health Insurance Long Stay Visa Compliant Plans
Allianz Ayudhya’s Long Stay Visa Health Insurance Plans are designed to meet the unique health insurance needs in one cover for individuals applying for long stay visas. These plans meet the minimum requirement of medical treatment and ensure a smooth and hassle-free visa application process:
| Inpatient coverage | Up to THB ฿200 million (USD $5.72 million) per disability |
| Outpatient treatment (OPD) cover | Optional |
| Medical network | Comprises over 490 hospitals and clinics nationwide |
| Telemedicine service | Available |
| Bilingual member support | 24/7 |
| Additional life insurance | Not required |
Allianz Ayudhya Travel Insurance in Thailand for Travelers
Travel insurance doesn’t just provide financial protection for medical emergencies and mishaps during your trip, the emergency medical assistance can make a life-and-death difference in those critical moments when every minute counts. Allianz Ayudhya has you covered on your travels as well:
Travel Plus Health Insurance Plan
Allianz Ayudhya’s Travel Plus Health Insurance Plan is a comprehensive travel insurance solution with international medical coverage. Whether you are a local traveler or an expat, this plan ensures that you have the needed protection and support in case of sickness or accidents during your travels:
| Coverage | Worldwide and up to THB ฿5,000,000 (USD $143,000) in case of sickness or accidents |
| Emergency medical assistance | 24/7 and provided by AWP Services (Thailand) Co., Ltd. (the terms and conditions are as specified by AWP Services) |
| Insurance coverage start time | 2 hours after start of journey |
| Accreditation | Accredited by Schengen embassies |
Why You Should Use a Broker to Buy Insurance
You may be tempted to secure a plan from Allianz Ayudhya right away, but not so fast…other insurers offer great plans too! LMG Insurance and April International are but two other examples of top insurers in Thailand. In insurance there is no universally best plan, only the plan that suits you best.
When it comes to purchasing insurance, making informed decisions in your best interest can be challenging. Insurance policies often involve complex terms and conditions that can be overlooked by those without a deep understanding of the market.
This is where insurance brokers come in – experienced professionals who can guide you through the process and ensure you make the right choices. Here are several reasons why you should use a reputable and experienced broker like Pacific Prime when buying insurance:
Expertise and Knowledge
Few people possess an in-depth understanding of insurance and the important details to consider when selecting a policy. Insurance brokers have extensive experience and expertise in insurance matters.
They are knowledgeable about the questions to ask and can assist you in choosing the policy that is most suitable for you.
Market Insights
It can be challenging for individuals to stay up to date with the constantly evolving insurance market and the wide range of options available. Brokers are familiar with the various products and services offered by different insurers and thus can help you make the best informed choice.
Ongoing Support
When you secure insurance through a broker, you have access to support not only from the insurer but also from the broker themselves. From filling out forms, answering policy-related questions, to providing guidance during claims processes, the support from a good broker is invaluable.
With their vast resources and industry connections, brokers are also well equipped to deliver reliable and efficient support right when you need it, and that’s something individual agents cannot hope to match.
Advocacy and Mediation
A broker’s primary objective is to act in the best interest of their clients. They have a vested interest in ensuring that you receive fair treatment from insurers. In the event of a dispute between you and your insurer, a broker can act as your advocate, leveling the playing field.
Cost-effective
One common misconception about insurance brokers is that using them will result in higher total expenses. However, brokers earn their income from insurers through commissions, and they don’t charge their clients any fees.
Insurers value business from brokers and are unlikely to offer lower premiums to clients who are not represented by brokers. Therefore, by utilizing a broker, you can enjoy all the benefits of their services without having to pay an extra dime!
Frequently Asked Questions
What is the overall quality of healthcare in Thailand?
Healthcare in Thailand is generally of high quality, particularly in major cities such as Bangkok and popular expat destinations like Phuket and Chiang Mai. Thailand also has a booming medical tourism industry.
Why do so many expats opt for private healthcare while in Thailand?
Many expats in Thailand choose private healthcare for its higher quality care, shorter waiting times, English-speaking staff, and better privacy. Moreover, dual pricing at public hospitals also means expats do not have a strong financial incentive to use public health services.
How should I decide between expat and international health insurance?
The main advantage of international health insurance is its worldwide coverage (often with exclusions), so it’s well suited to globetrotters. The downside is that international plans typically cost more than expat plans with similar benefit levels.
Is international health insurance costly in Thailand?
According to our Cost of International Health Insurance Report 2023, the average premium of individual international private medical insurance (IPMI) plans in Thailand in 2022 was USD $3,594, while that for family IPMI plans was USD $11,683, making Thailand relatively affordable as IPMI goes.
Conclusion
As a part of the Allianz Group, Allianz Ayudhya’s capacity to deliver superb insurance solutions and customer services at reasonable prices is beyond question. Time and again, the customer-first philosophy of the company has won prestigious awards for it, not to mention the confidence of customers.
Similarly, the client-first philosophy of Pacific Prime has enabled us to achieve phenomenal growth, and our mission to simplify insurance has not only earned business for us but also our clients’ trust and respect.
The plans you eventually purchase through us may or may not be from Allianz Ayudhya, but you can be sure that with our 20+ years of experience and expertise in insurance, the plans we recommend will not only meet your needs and fit your budget, but they will represent very good value for money too.
So, contact us to start your insurance journey or for a no-obligation plan comparison today! You may also like to check out our tutorial on using our online quotation tool.
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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What are the typical wait times for medical appointments at both public and private hospitals in Thailand? How can expats navigate language barriers when seeking medical care in Thailand?
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