APRIL International In Thailand: For Expats And Travelers

APRIL International is an award-winning international insurance provider that has been offering short and long-term insurance solutions for expats worldwide for over 35 years. They prioritize customer experience to provide accessible healthcare, making them an ideal choice for expats in Thailand.

Health insurance has become an essential asset for expatriates in this modern world. The World Health Organization (WHO) reports seeing global spending on healthcare reaching as high as USD $9 trillion in 2020. Because of this data, you can expect bank-breakingly expensive medical bills without the right health insurance plan.

If you’re planning to spend your quality time basking in Thailand’s sun, you might want to learn more about the best places to live in Thailand as well as the plans top insurance providers have to offer. APRIL International might be one of the many names that came up during your research.

With over 35 years of experience, APRIL International offers a neat insurance solution for every situation possible. Whether you’re an employee, a retiree, or a student moving to Thailand alone or with your family, Pacific Prime invites you to learn more about APRIL International in this article.

Are you ready to secure your international health insurance? You can use our plan comparison service and get a free quote today! Also, check out the top insurance companies that provide coverage in Thailand!

APRIL International Introduced: Thailand Insurance

APRIL International operates under an international insurance network called APRIL Group and has been facilitating access to healthcare for more than 150,000 policyholders with regional offices in 13 cities worldwide, including Bangkok. They offer short- and long-term comprehensive insurance plans.

After APRIL Group was established in France in 1988, APRIL Insurance has successfully expanded their network with over two million healthcare professionals worldwide. They’ve won countless awards while aiming to design policies that cater to different needs and budgets of expats around the world.

Apart from a wide range of health insurance plans to choose from and worldwide recognition for their excellency, APRIL Insurance stands out in the market because of several factors, including but not limited to:

24-hour Local Support

APRIL Insurance is known for their commitment to create a seamless experience for their policyholders and partners with convenient communication channels that are available for 24 hours. Their team is always ready to support you via telephone, chats, e-mails, Facebook Messenger, and even WhatsApp.

Apart from the accessible channels of communication, APRIL Insurance also provides policyholders of every plan and level of coverage with additional medical support such as:

• Third-party payment for hospitalizations
• Referral for doctors or medical facilities
• Telehealth services for 24/7 doctors
• Preferential rates to limit possible out-of-pocket expenses
• Medical evacuation services in case of emergency

Easy Claim Application

Wherever you are, you can access APRIL Insurance’s online services whenever you’d like without having to do paperwork. You can do this via their mobile application called Easy Claim.

With the Easy Claim application, you can:

• Submit medical invoices
• Track your submitted claims
• Talk to a doctor
• Find a healthcare provider in your area
• Send a medical estimate
• Find documents related to your health insurance package and coverage

Swift Processing Times

APRIL Insurance is unlike other insurance providers that take several weeks or months to process your claims and requests. Instead, APRIL will provide a quick response to you, depending on the nature of your request.

APRIL Insurance’s processing times for different requests and claims are as follows:

• Information request: Within 48 hours
• Prior agreement request: Within three days
• Request for hospital care: Within four hours for emergencies and within three days for scheduled hospitalization
• Claiming medical expenses reimbursement: Within 48 hours via the Easy Claim application
• Request in case of emergency: Available 24 hours every day

APRIL Health Insurance In Thailand For Expats

Every expat can choose from APRIL International’s wide range of exhaustive health insurance plans. For example, expat students can enjoy the benefits of the long- and short-term plans, while expats living in Thailand might want to consider their long-term international health and MyHEALTH plans.

APRIL International Long-Term Health Plan

Known as one of the most comprehensive private health insurance plans in the market, APRIL International’s long-term health insurance provides expats and some locals aged up to 70 years old with access to worldwide medical treatment and coverage options from cancer to MRI scans and maternity care.

The long-term health insurance plan lets you select between two zones of coverage:

• Area 1: Worldwide, excluding USA and the Caribbean
• Area 2: Worldwide

You can also customize your excess and underwriting options as well as the currency you’d like to use for the four levels of coverage this plan offers:

Please note that you may be asked to disclose your medical information. Your pre-existing conditions won’t be covered by the plan unless they’re provided in your moratorium underwriting. Any costs incurred during a benefit waiting period will also not be covered.

For more information regarding the terms and conditions of the plan, please refer to APRIL International’s long-term international health policy guide.

APRIL International MyHEALTH Thailand Plan

Whether you’re living in Thailand by yourself or with your family, MyHEALTH Thailand can offer coverage tailored for you and your loved ones. This extensive plan ensures expats, Thai nationals, and permanent residents have access to the country’s outstanding medical system with adjustable prices.

After selecting either the Essential, Extensive, or Elite coverage plan and your optional benefits, such as outpatient, dental and optical, or maternity coverage, you can choose the area of coverage that fits your needs the most:

• Area 1: Worldwide
• Area 2: Worldwide, excluding the United States
• Area 3: Europe and the Association of Southeast Asian Nations (ASEAN), excluding Singapore

You’ll be covered up to THB ฿1,637,500 (approximately USD $46,069) per period of insurance for medical expenses incurred during the first 30 days of any trip outside the area of cover. You can also spend less on annual premiums by adding the discount options listed below.

Deductibles

A deductible refers to any amount you have to pay before your insurance plan starts paying for your medical expenses. For MyHealth Thailand, your deductible only applies to your hospital and surgery plan, and there are six levels of deductibles you can choose from:

• Level 1: THB ฿0
• Level 2: THB ฿16,375 (~USD $460)
• Level 3: THB ฿32,750 (~USD $920)
• Level 4: THB ฿81,875 (~USD $2,300)
• Level 5: THB ฿163,750 (~USD $4,610)
• Level 6: THB ฿327,500 (~USD $9,210)

Specified Providers Only

If you have several medical providers you frequently visit, choosing them as your only providers would benefit you greatly because you’ll get further discounts on your annual premium for the MyHEALTH Thailand plan.

Co-insurance on the Outpatient Module

You can also apply a 20% co-insurance, the type of insurance that lets you pay a share of the claim, to your outpatient module. If your total medical expenses amount to THB ฿5,000, for instance, you’ll have to pay THB ฿1,000 out of pocket, and APRIL International will pay THB ฿4,000.

Moreover, you’ll get generous discounts on your premium when you secure the plan as a family, starting from 5% discount for two people to 15% discount for five family members or more. You can rest assured that you and your loved ones are backed up with great medical support from MyHEALTH Thailand.

If you think that MyHEALTH Thailand is the right health insurance plan for you, let’s take a look at this plan comparison table to find the most suitable module for you:

Please note that you may be asked to disclose your medical information. Your pre-existing conditions won’t be covered by the plan unless they’re provided in your moratorium underwriting. Any costs incurred during a benefit waiting period will also not be covered.

For more information regarding the terms and conditions of the plan, please refer to APRIL International’s MyHEALTH Thailand policy guide.

APRIL International Short-Term Health Plan

If you’re an individual aged up to 70 years old staying in Thailand for one to twelve months because of work or an extended vacation, APRIL International’s short-term health insurance is going to be one of the most ideal plans to safeguard your health and finances during your stay in the country.

The plan also provides you with coverage worldwide, excluding the United States and Caribbean, starting at GBP £67, USD $101, and EUR €87 per month:

Please note that the costs for cancer treatment, dental treatment, routine pregnancy care, and health check-ups won’t be covered by the plan. For more information regarding the terms and conditions of the plan, please refer to APRIL International’s short-term international health policy guide.

APRIL Travel Insurance In Thailand For Travelers

For globe-trotters of any nationality aged from 10 to 79 years old planning to stay aboard for three to 12 months, APRIL International lets you travel a worry-free trip with MyTRAVEL health insurance plan to any of the following coverage zones:

• Zone 1: Worldwide, including the United States
• Zone 2: Worldwide, including Canada, China, Hong Kong, Mexico, Monaco, United Kingdom, Singapore, and Switzerland but excluding the United States
• Zone 3: Worldwide outside of the countries in zones 1 and 2

If you’d like to be covered in your country of nationality, you’ll have to stay in the country for less than 90 consecutive days. In case of an accident or medical emergency outside of the coverage zone, you’ll have to stay in the country for a cumulative period of 30 days.

Please note that you may be asked to disclose your medical information. Your pre-existing conditions won’t be covered by the plan. For more information regarding the terms and conditions of the plan, please refer to APRIL International’s MyTravel General Conditions.

Securing APRIL Insurance through Pacific Prime

While APRIL International provides you with a wide range of insurance solutions, other insurance providers such as Allianz Ayudhya and AIA Medical Insurance also have comprehensive plans to offer. The good news is a reliable insurance broker like Pacific Prime can help you source out the right plan.

An insurance broker specializes in navigating the insurance market to find the most suitable plan according to your preferences and budgets. They can assist you in simplifying the complex terms and conditions, plan renewals, as well as other support.

If you’re looking to buy insurance with a broker, it’s crucial to find a broker who is an expert in the field. At Pacific Prime, we utilize our 20+ years of experience in the industry to ensure you’re provided with impartial advice and an in-depth understanding of the plan you’re about to secure.

Find out more about the differences between an insurance agent and a broker with Pacific Prime today.

Frequently Asked Questions

Is health insurance a necessity in Thailand?

Thai law requires an expat in the country to be covered with health insurance from either the public healthcare scheme or a private health insurance provider. Considering the increasing cases of accidents, securing health insurance has become more important than ever for expats living in Thailand.

Does APRIL International cover Thailand?

APRIL International offers coverage for Thailand and every country around the world, depending on your chosen area of coverage. Their exhaustive international health and travel insurance plans in Thailand can be purchased through a reliable insurance broker like Pacific Prime.

Does APRIL International cover a person older than 70 years old?

While APRIL International’s long-term health insurance and MyHEALTH plans offer medical coverage for individuals aged up to 70 years old, their travel insurance MyTravel covers travelers from 10 to 79 years old. You can rest assured you and your loved ones can go on a worry-free trip anywhere.

Conclusion

Operating under APRIL Group, APRIL International has been providing expats worldwide with a wide range of insurance plans, accessible benefits, and reputable services since 1988. You can purchase their short and long-term health and travel insurance through an insurance broker like Pacific Prime.

Whether you’re an expat living in Thailand or a globe-trotter traveling to this tropical paradise, Pacific Prime can help you simplify many available plans in Thailand’s competitive market to ensure you can make an informed decision before securing the most optimal plan for you or your loved one.

Within reach of your fingertips on our website, you can always contact our team of experts at Pacific Prime for unbiased advice and a quote free of charge today!

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Natthachamon

Content Writer at Pacific Prime Thailand

Natthachamon Suthana Komalrachun is a Content Writer with a strong passion in creative writing and marketing communications. Working with the team of experienced creators at Pacific Prime, she aims to use the magic of communication to simplify insurance and enchant every reader in our diverse society where insurance and employee benefits act as a life and financial stronghold for everyone—individuals and businesses alike.

After graduating at the top of her class and earning her Bachelor’s Degree in English from Thammasat University, Natthachamon has been practicing her writing skills and making education more easily accessible for Thai children as an Educational Content Creator and English Curriculum Developer for various educational facilities and organizations across the country.

Natthachamon is also a mother of two cats, a board game enthusiast, and a big bookworm who enjoys everything and anything sweet.

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