APRIL International Thailand Insurance Expats And Travelers
APRIL International offers comprehensive and flexible medical and travel insurance to expats and travelers in Thailand. APRIL International provides foreigners with Thailand-based, multilingual customer support and a variety of plans to choose from.
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Are you an expat or traveler planning a trip to Thailand? You’ll likely want to know about the best health or travel insurance for your trip. The insurance experts at Pacific Prime have created this guide to recommend APRIL International for your travels.
We’ll share APRIL International’s plans, explain their benefits, and more. Keep reading to learn more, or use our free quote tool to begin comparing plans on your own!
Why Choose APRIL International Insurance in Thailand?
Expats and travelers choose APRIL International for health and travel insurance coverage in Thailand because of its flexible and comprehensive coverage options, reputable customer service, and more. These features help set APRIL International apart from other insurance providers.
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- Flexible and Comprehensive Coverage: APRIL International offers customizable plans so expats don’t have to pay for what they don’t need, and their Elite plan offers a high level of medical benefits and coverage limits.
- Reputable Customer Service: APRIL International offers Thailand-based multilingual customer support to their customers 24/7. Customers can reach them through the phone, chat, e-mail, Facebook Messenger, or WhatsApp.
- Global Coverage: APRIL International is a global insurance provider, and can offer coverage throughout the world. Expats can choose three areas of coverage: Worldwide, Worldwide excluding the USA, and Europe and ASEAN excluding Singapore.
- Family Discounts: APRIL International offers family discounts based on the number of persons insured at the start of the policy. Two persons qualify for a 5% discount, three persons a 7.5% discount, four persons a 10% discount, and five or more persons a 15% discount.
Types of Plans Available Through APRIL International in Thailand
APRIL International offers long-term health insurance through their MyHealth plans, short-term health insurance, and travel insurance. With these two options, expats and travelers have the choice to find the plan that works best for their travel needs.
APRIL International MyHealth Thailand Plan
Expats looking for comprehensive health insurance in Thailand can choose a MyHealth plan, which comes with optional coverage modules to add and different tiers of coverage. These different modules allow expats to customize their plans and make them work for their needs and lifestyles.
Expats can choose their plans by following these steps:
- Choose your base cover: Choose between the Hospital and Surgery module.
- Add any optional modules: Options include Outpatient, Maternity, and Dental & Optical plans.
- Choose your area of coverage: You can select Worldwide, Worldwide excluding the USA, and Europe and ASEAN excluding Singapore coverage.
- Further personalize your plan: Utilize discount options like adding a co-insurance on your Outpatient module or a deductible on your Hospital and Surgery module.
APRIL International MyHealth Deductible Options
To lower your premium, you can choose a deductible on your Hospital and Surgery module. A deductible is the amount you are responsible for before the insurance starts to pay for costs. This annual deductible is applicable per person per year and only applies to the Hospital and Surgery module.
The six deductible options available are:
- THB 0
- THB 16,375
- THB 32,750
- THB 81,875
- THB 163,750
- THB 327,500
APRIL International MyHealth Thailand Plan Benefits
APRIL International’s MyHealth plans are comprehensive and offer customizable benefits for each family member enrolled in the policy. Coverage tiers available for the MyHealth plans are Essential, Extensive, and Elite, with Elite offering the broadest coverage.
We will go over the key benefits included in the different modules below, starting with Hospital and Surgery:
| Hospital & Surgery Module | |||
| Benefits | Essential | Extensive | Elite |
| Annual Limit per person | THB 16,375,000 | THB 32,750,000 | THB 65,500,000 |
| Hospitalization (inpatient and day patient costs) | Covered | Covered | Covered |
| Cancer Treatment | Covered | Covered | Covered |
| Kidney Dialysis | Covered up to THB 163,750 | Covered up to THB 1,637,500 | Covered |
| Complications of Pregnancy | Not Covered | Covered | Covered |
| Personal Accident | Covered up to THB 100,000 | ||
| Medical Checkup | Not Covered | Covered up to THB 3,000 | Covered up to THB 6,000 |
The key benefits included in the optional Outpatient module are:
| Optional Outpatient Module | |||
| Benefits | Essential | Extensive | Elite |
| Annual Limit for Outpatient Benefits | THB 163,750 | Covered | Covered |
| Doctors and Specialists | Covered | Covered | Covered |
| Medicines, scans, and tests | Covered | Covered | Covered |
| Outpatient psychiatric treatment | Not Covered | Covered up to THB 114,625 | Covered up to THB 163,750 |
| Medical checkup & Vaccinations | Covered up to THB 3,000 | Covered up to THB 20,000 | Covered up to THB 35,000 |
The key benefits included in the optional Maternity module are:
| Optional Maternity Module | |||
| Benefits | Essential | Extensive | Elite |
| Pre- and post-natal care,
delivery and newborn care |
Covered up to THB 163,750
per pregnancy |
Covered up to THB 327,500
per pregnancy |
Covered up to THB 491,250
per pregnancy |
The key benefits included in the optional Dental & Optical module are:
| Optional Dental & Optical Module | |||
| Benefits | Essential | Extensive | Elite |
| Minor dental treatment | Covered up to THB 22,925 | ||
| Major dental treatment | Not Covered | Covered up to THB 49,125 | |
| Eye exams, prescription contact lenses and lenses | Not Covered | Not Covered | Covered up to THB 9,825 |
APRIL International MyHealth Plan Exclusions
APRIL International may not cover certain circumstances, such as those listed below:
- Services which are not medically necessary
- Services that are not reasonable and customary
- Experimental or unproven treatment
- Non-prescription drugs, vitamins, and nutritional supplements
- Services by a psychologist or counselor
- House calls or any service rendered at a person’s home, office, hotel room, or similar place
- Treatment that is covered by other insurance
- Emergency dental treatment related directly or indirectly to biting, chewing, or teeth-grinding
- Complications of pregnancy following assisted conception
- Elective caesarian section prior to the 38th week of term
- Treatment-related to assisted conception, contraception, sterilization, fertility or infertility, testosterone deficiency, and sexual dysfunction
- Sexually transmitted diseases
- Cosmetic treatment, gender reassignment surgery, or therapy
- Sleep disorders or behavioral or developmental disorders
APRIL International Travel and Short-Term Health Insurance
APRIL International offers travel and short-term health insurance to travelers visiting Thailand. APRIL International’s travel insurance was designed for travelers visiting Thailand for less than three months, while short-term health insurance was created for those staying longer than three months.
APRIL International Short-Term Health Insurance in Thailand
Short-term health insurance from APRIL International is offered through their MyTravel plans. This offering is ideal to those planning on staying in Thailand for work or pleasure for up to 12 months. MyTravel comes in two coverage tiers: Emergency and Comfort.
Benefits vary across plans, but some of the key features are:
- Emergency and accident coverage
- Medical expenses coverage up to EUR 250,000 (THB 9,178,750)
- Outpatient coverage
- Repatriation assistance
- Personal liability coverage
The areas of coverage for short-term insurance plans are split into three different zones which policyholders may choose between:
- Zone 1: Worldwide including the USA
- Zone 2: Worldwide, including Canada, China, Hong Kong, Mexico, Monaco, United Kingdom, Singapore, and Switzerland (excluding USA)
- Zone 3: Worldwide outside of the countries listed in zones 1 and 2
APRIL International Travel Insurance in Thailand
Travel insurance through APRIL International is offered in four different coverage tiers: Starter, Basic, Power, and Premium. Travel insurance is perfect for individual or family trips and holidays of up to three months duration and offers coverage for many different travel-related risks.
Some of the benefits included in APRIL International’s more comprehensive travel insurance plans are:
- Trip cancellation coverage
- Missed flight coverage
- Baggage delay coverage
- Repatriation assistance
- Medical expenses up to € 300,000 (THB 11,014,500)
- Costs of interruption of stay
- Early return coverage
- Travel assistance
APRIL International’s most basic travel insurance plan, Starter, offers coverage for trip cancellation only.
The areas of coverage for travel insurance plans are split into three different zones which policyholders may choose between:
- Zone 1: Worldwide including the USA
- Zone 2: Worldwide, including Canada, China, Hong Kong, Mexico, Monaco, United Kingdom, Singapore, and Switzerland (excluding USA)
- Zone 3: Worldwide outside of the countries listed in zones 1 and 2
Secure APRIL International Thailand Insurance with an Insurance Broker
Expats and travelers can secure APRIL International plans to Thailand with an insurance broker to save money and time. Insurance brokers like Pacific Prime negotiate with coverage providers on your behalf, compare and analyze plans, and can help you tailor your plan to your needs.
An insurance broker provides a variety of services to help their clients secure the best insurance coverage and can share their market knowledge and expertise to better help their clients. They can also assist with claims submission.
Brokers differ from insurance agents because they are not tied to one insurance provider, and can offer more unbiased information. Use an insurance broker today to make your insurance shopping process as simple as possible!
Frequently Asked Questions
Is health insurance required in Thailand?
Health insurance is required for expats in Thailand who are applying for a Retirement Visa, Long Stay Visa, Long-Term Resident visa, and a Thailand Elite Card. Those staying in Thailand short-term are not required to have health insurance.
What coverage is included in an APRIL International health insurance plan?
APRIL International’s MyHealth plans offer a base plan with Hospital and Surgery coverage and optional Outpatient, Maternity, and Dental & Optical coverage. Emergency repatriation coverage is included in all base plans with APRIL International.
Can I use APRIL International insurance at any hospital in Thailand?
APRIL International has direct billing with many hospitals in Thailand, but not every hospital may be in-network. If you visit an out-of-network hospital in Thailand, you can file a claim later for reimbursement. For more information on which hospital is in-network, contact the member support line.
Are APRIL International MyHealth Thailand plans customizable?
MyHealth Thailand plans are customizable, with the option to choose any of the optional modules for your base Hospital and Surgery plan. The optional modules are Outpatient, Maternity, and Dental & Optical. You can also choose your tier of coverage within these modules.
Why should I choose APRIL International?
APRIL International is an excellent choice because of its customizable comprehensive coverage, global coverage, family discounts, and reputable and accessible customer service.
Conclusion
APRIL International is a popular choice for expats and travelers in Thailand because of its easily tailored plans and comprehensive coverage. With a MyHealth plan from APRIL International, expats won’t have to worry about the stress of paying out-of-pocket for medical expenses.
Ready to begin shopping for an APRIL International plan? Let the insurance experts at Pacific Prime help! Our brokers can offer free and unbiased advice, and help you compare plans to see which fits your needs best.
You may also be interested in other international insurance providers for your time in Thailand, and we can help you compare their plans also. Read the following articles to learn more about our other partnered providers in Thailand:
- AXA Thailand: Top Thailand Insurance Provider For Expats
- Pacific Cross Insurance in Thailand: For Expats and Travelers
Contact us online, or use our free quote tool to begin comparing plans on your own!
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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Comments
2 Comments
How easy is it to find English-speaking doctors and medical staff in Thailand, especially outside of major cities? Any tips on navigating the healthcare system as a non-Thai speaker?
Finding English-speaking doctors and medical staff in Thailand is relatively easy in major cities like Bangkok, Chiang Mai, and Phuket, where private hospitals and clinics cater to expats and tourists. However, outside these urban centers, English proficiency among healthcare providers may be limited, and you might need translation support. To navigate the system as a non-Thai speaker, consider using international insurance providers like APRIL International, which offers services like 24/7 telehealth and hospital referrals, or seek expat-friendly clinics through insurance networks.
For personalized support and tailored health insurance plans that suit your needs, contact Pacific Prime for free advice and a plan comparison.
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