Pacific Cross Insurance In Thailand: For Expats And Travelers
Pacific Cross Health Insurance is one of the top health insurance companies in Thailand with over 45 years in the industry, specializing in providing health insurances in Asia. Whether you’re an expat or a traveler moving to Thailand, Pacific Cross is a great option to stay insured.
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Deciding on which one of these top destinations for expats in Thailand to move to? Regardless of where you end up, you’ll need some sort of insurance policy that covers your needs without breaking your budget. Pacific Cross’ Thailand health and travel insurance policies might just be what you need!
In this Pacific Prime Thailand article, we will take a look at Pacific Cross’ insurance policies and how they benefit expats and travelers.
Pacific Cross Health Insurance in Thailand for Expats
Pacific Cross Health Insurance is one of the newest but most experienced insurance companies in Thailand. Although the brand was launched in 2014, the company first entered the market 45 years ago. Today, the company serves over 400,000 clients in Thailand and SEA!
Pacific Cross provides health insurance in 4 different plans, each with a “Plus Plan” alternative for those looking for a little more coverage, with the exception of the Standard Plan which also has a Standard Extra option.
What makes Pacific Cross a great option for expats and travelers is that their plans are cost-effective. You can stay within your budget yet still have access to a number of essential coverage to keep you insured in most situations.
All the health insurance plans offered by Pacific Cross have lifetime renewability, 24-hour worldwide emergency treatment coverage, COVID-19 coverage, and more! With a hospital network of over 450 hospitals, you can feel safe no matter where you go.
Pacific Cross Health Insurance Standard Plan
The Standard Plans are the most basic health insurance plan offered by Pacific Cross. The highlights of the Standard Plans is that they are extremely cost effective whilst still providing you with essential coverage.
If not having BDMS hospitals covered is a deal breaker for you, then be sure to secure the Standard Extra Plan as it is the only plan in the Standard option that has no hospital restrictions.
| Benefits | Standard
(THB ฿) |
Standard Plus
(THB ฿) |
Standard Extra
(THB ฿) |
| Maximum Benefit per Confinement | 270,000 | 450,000 | 780,000 |
| In-patient Benefits | |||
| Room and Board, and Medical Service Fees (in-patient) per
Confinement, maximum 45 days |
2,000 per day | 3,000 per day | 4,000 per day |
| Intensive Care In-patient Unit, maximum 15 days | 4,000 per day | 6,000 per day | 8,000 per day |
| Medical Expenses for Medical Examinations or Medical Treatment,
Blood and Blood Component Service Fees, Nursing Fees, Medicine Fees, Parenteral Nutrition Fees and Medical Supplies Fees per Confinement |
20,000 | 50,000 | 100,000 |
| Medicine Fees and Medical Supplies 1 for Take Home Medicine, maximum 14 days | 2,000 | 3,000 | 4,000 |
| Physician’s Fees per Confinement, maximum 45 days | 1,200 per day | 1,700 per day | 2,200 per day |
| Surgery and Procedure Fees per Confinement | 20,000 | 50,000 | 100,000 |
| Organ Replacement Surgery, Organ Transplant or Replacement of Liver,
Heart, Lung, Kidneys and Bone Marrow including Donor’s costs per Confinement |
40,000 | 100,000 | 200,000 |
| Major Surgery that does not require hospitalization (Day Surgery) | 20,000 | 50,000 | 100,000 |
Pacific Cross Health Insurance Premier Plan
The Premier Plan covers everything the Standard plans cover but with fewer limits. The Premier Plan has two options you can choose from, the basic Premier Plan and the Premier Plus Plan. The difference between the two lies within the limits.
With the Premier Plan, you have access to up to THB ฿1.2 million maximum benefit amount for in-patient per confinement. You will also have access to worldwide evacuation, THB ฿2,500 out-patient visits (up to 30 a year) as well as three visits per year for alternative therapy.
The Premier Plus plan will cover everything the basic Premier Plan covers with an increase of visits for alternative therapy from three visits per year to five. The Premier Plus will also have Maternity benefits built in.
| Benefits | Premier
(THB ฿) |
Premier Plus
(THB ฿) |
| Maximum benefit amount for in-patient per Confinement | 1,200,000 | 3,000,000 |
| In-patient Benefits | ||
| Room and Board, and Medical Service Fees (in-patient) per Confinement | 5,000 per day
(maximum 45 days) |
Maximum 6,000 per day |
| Intensive Care In-patient Unit | 10,000 per day
(maximum 15 days) |
Maximum 12,000 per day |
| Medical Expenses for Medical Examinations or Medical Treatment,
Blood and Blood Component Service Fees, Nursing Fees, Medicine Fees, Parenteral Nutrition Fees and Medical Supplies Fees per Confinement |
200,000 | 300,000 |
| Medicine Fees and Medical Supplies 1 for Take Home Medicine, maximum 14 days | 5,000 | 6,000 |
| Physician’s Fees (Doctor) per Confinement | 2,700 per day (maximum 45 days) | Paid in Full |
| Surgery and Procedure Fees per Confinement | 200,000 | Paid in Full |
| Organ Replacement Surgery, Organ Transplant or Replacement of Liver,
Heart, Lung, Kidneys and Bone Marrow including Donor’s costs per Confinement |
400,000 | Paid in Full |
| Major Surgery that does not require hospitalization (Day Surgery) | 200,000 | Paid in Full |
Pacific Cross Health Insurance Maxima Plan
The Maxima Plan is one of Pacific Cross’ more comprehensive plans that has full coverage in most of what the Premier and Standard Plans cover on top of a significantly higher upper limit for maximum benefit amount for in-patient per confinement.
The base Maxima Plan has dental and maternity benefits built in. You will also have access to worldwide evacuations. Specialist fees and local ambulance services are covered in full with the Maxima Plan.
The Maxima Plus Plan doubles the maximum benefit amount for in-patient per confinement from up to THB ฿5 million to THB ฿10 million. Dental and Maternal benefits are also built in like the Maxima Plan. Specialist fees and local ambulance services will also be covered in full.
| Benefits | Maxima
(THB ฿) |
Maxima Plus
(THB ฿) |
| Maximum benefit amount for in-patient per Confinement | 5,000,000 | 10,000,000 |
| In-patient Benefits | ||
| Room and Board, and Medical Service Fees (in-patient) per Confinement | Maximum 8,000 per day | Maximum 10,000 per day |
| Intensive Care In-patient Unit | Paid in Full | Paid in Full |
| Medical Expenses for Medical Examinations or Medical Treatment,
Blood and Blood Component Service Fees, Nursing Fees, Medicine Fees, Parenteral Nutrition Fees and Medical Supplies Fees per Confinement |
Paid in Full | Paid in Full |
| Medicine Fees and Medical Supplies 1 for Take Home Medicine, maximum 14 days | Paid in Full | Paid in Full |
| Physician’s Fees per Confinement | Paid in Full | Paid in Full |
| Surgery and Procedure Fees per Confinement | Paid in Full | Paid in Full |
| Organ Replacement Surgery, Organ Transplant or Replacement of Liver,
Heart, Lung, Kidneys and Bone Marrow including Donor’s costs per Confinement |
Paid in Full | Paid in Full |
| Major Surgery that does not require hospitalization (Day Surgery) | Paid in Full | Paid in Full |
Pacific Cross Health Insurance Ultima Plan
Like the Maxima Plans, the Ultima Plans will also have maternity and dental built in but with higher limits. With the Ultima Plus Plan, not only will you have up to THB ฿50 million maximum benefit amount for in-patient per confinement, you also get up to 10 visits per year for alternative therapy!
| BENEFITS | ULTIMA
(THB ฿) |
ULTIMA PLUS
(THB ฿) |
| Maximum benefit amount for in-patient per Confinement | 20,000,000 | 50,000,000 |
| In-patient Benefits | ||
| Room and Board, and Medical Service Fees (in-patient) per Confinement | 16,000
Maximum limit per day |
18,000
Maximum limit per day |
| Intensive Care In-patient Unit | Paid in Full | Paid in Full |
| Medical Expenses for Medical Examinations or Medical Treatment, Blood and
Blood Component Service Fees, Nursing Fees, Medicine Fees, Parenteral Nutrition Fees and Medical Supplies Fees per Confinement |
Paid in Full | Paid in Full |
| Medicine Fees and Medical Supplies 1 for Take Home Medicine, maximum 14 days | 16,000 | 18,000 |
| Physician’s Fees per Confinement | Paid in Full | Paid in Full |
| Surgery and Procedure Fees per Confinement | Paid in Full | Paid in Full |
| Organ Replacement Surgery, Organ Transplant or Replacement of Liver,
Heart, Lung, Kidneys and Bone Marrow including Donor’s costs per Confinement |
Paid in Full | Paid in Full |
| Major Surgery that does not require hospitalization (Day Surgery) | Paid in Full | Paid in Full |
Pacific Cross Travel Insurance In Thailand For Travelers
Like their health insurance plans, Pacific Cross’ travel insurance plans in Thailand are cost-effective options that provide peace of mind. Their travel insurance plans are Schengen-coverage-approved and gives you access to 24-hour worldwide emergency assistance and hospital cash allowance.
Insurance Agents vs Brokers
When securing an insurance policy, there are generally two ways to do it, through an agent or through a broker like Pacific Prime. The main difference between the two is that an agent represents an insurance company and a broker represents you.
Whilst the outcome of both methods ultimately ends with you securing an insurance plan, the experience and after services can vary greatly between the two. To help you understand the differences, here are some of the key points in which an agent and a broker differ and how they affect you.
Who They Represent
One of the biggest differences between an Agent and broker is who they represent. An agent typically represents an insurance company or a specific insurance policy under an insurance company. On the other hand, an insurance broker represents you.
What this means is that whilst both will provide you with different insurance options, a broker will put your needs above the needs of the insurance company, ensuring that the options you are given fits your specifications and your budget range.
Your Options
As mentioned earlier, an agent typically represents an insurance company or a specific insurance policy provided by an insurance company. As such, the options you are presented with when you secure a policy through an agent will just be from one specific company.
When you go through a broker to secure a policy, the options you are provided with will come from a number of different companies that are available to you due to the fact that brokers are partnered with different insurance companies.
What this means is that whilst going through an agent will give you a great selection of policies from a single company, a broker will be able to provide you with a number of different policies from different companies that best fit what you want within your budget range.
Their Goals
The goal of an agent is to ultimately get you to secure an insurance policy from the insurance company they represent. The goal of a broker is to help you secure an insurance policy that best suits what you want covered whilst still staying within your budget range.
Frequently Asked Questions
How much does health insurance cost in Thailand for expats?
For years, Thailand has been one of the cheapest countries to secure health insurance. According to our Pacific Prime Cost of Health Insurance Report 2023, the average cost of International health insurance in Thailand in 2022 is only around USD $3,594.
How is the quality of healthcare in Thailand?
In larger cities like Bangkok, the healthcare system is considered to be at a world-class standard. Among the hospitals in Bangkok, the Bumrungrad International Hospital is also considered one of top hospitals in Asia.
Is health insurance necessary for expats in Thailand?
Health insurance is vital for any expat working in a foreign country, Thailand is no exception. Making sure that you are sufficiently insured during your stay in Thailand will not only benefit you in cases of emergencies but also give you access to some of the top hospitals in the country.
Conclusion
To summarize what we have covered in this article, whilst Pacific Cross may appear to be a fairly new player in the insurance market, they actually have over 45 years of experience in providing cost effective health insurance policies without compromising on the quality of coverage.
The key thing to highlight with Pacific Cross’ health insurance policies is that with just the Standard Extra Plan, you have an incredibly cost effective plan that gives you access to BDMS hospitals, some of the top hospitals in Thailand!
With the sheer amount of information you need to digest for each plan, finding the right one for you can be an off putting task. But with the help of insurance brokers like Pacific Prime, you can get professional advice and quotes for health insurance policies that fits both your needs and budget.
Pacific Prime partners with top insurers across Thailand including Pacific Cross! Find the right plan for you today at Pacific Prime Thailand, our experts are skilled at simplifying insurance, and they can help you meander through the complicated processes to help you find the best plans that fit your needs and budget.
Contact us today for a free quote. To learn how to use our quote generator, we have a step-by-step tutorial covering the basics to help you get started!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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