Pacific Cross Thailand Health Insurance for Expats and Travelers (2026)
Pacific Cross is a leading insurance provider for expats and travelers in Thailand, offering affordable and flexible plans with over 45 years of experience. With a strong presence across Asia, Pacific Cross delivers reliable coverage options to meet the needs of those living in or visiting Thailand.
Are you an expat moving to Thailand looking for ways to access high-quality healthcare while spending time in the country? Or are you preparing for your trip to Thailand and want protection against any emergency illnesses and travel mishaps?
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In this Pacific Prime article, we explore the key health insurance coverage in Thailand offered by Pacific Cross and how they benefit expats and travelers, whether they’re moving to one of the top destinations for expats in Thailand or visiting for the short term.
Why Expats Choose Pacific Cross Health Insurance Thailand
Health and travel insurance plans from Pacific Cross stand out to expats and travelers due to their balance between cost-effectiveness and quality coverage. You can stay within your budget yet still have access to several essential benefits to keep you insured in most situations.
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 and is now serving over 400,000 clients in Thailand and SEA.
Pacific Cross provides health insurance in four different plans, including the Standard, Premier, Maxima, and Ultima. Each comes with a “Plus Plan” for those looking for slightly more coverage. This excludes the Standard Plan, which provides both the Standard Plus and Standard Extra options.
All the health insurance plans offered by Pacific Cross include:
- Lifetime renewability
- 24-hour worldwide emergency treatment coverage
- COVID-19 coverage
- A hospital network of over 450 leading hospitals
Pacific Cross 2026 Plan Tiers and Estimated Annual Pricing
To help you budget accurately, the table below outlines the estimated annual premiums for the core base plans across key age bands for healthy individuals.
| Plan Tier | Age 18-30 (THB ฿) | Age 31-45 (THB ฿) | Age 46-60 (THB ฿) | Age 61-70 (THB ฿) |
| Standard | 11,080 – 11,844 | 13,300 – 16,253 | 18,476 – 22,898 | 27,246 – 37,526 |
| Premier | 24,505 – 26,174 | 29,421 – 35,955 | 40,873 – 50,677 | 60,266 – 83,049 |
| Maxima | 41,285 – 44,049 | 49,521 – 60,534 | 68,819 – 85,290 | 101,484 – 139,854 |
| Ultima | 52,692 – 56,222 | 63,253 – 77,294 | 87,865 – 108,952 | 129,559 – 178,542 |
Because health insurance rates depend tightly on your unique medical history, exact age, and chosen deductible options, a customized quote is the best way to plan. Get a free, personalized Pacific Cross quote from Pacific Prime today!
Plan-by-Plan Core Benefits Comparison
| Feature | Standard Plan | Premier Plan | Maxima Plan | Ultima Plan |
| Inpatient (IPD) Limit | Up to ฿270,000 | Up to ฿1,200,000 | Up to ฿5,000,000 | Up to ฿20,000,000 |
| Outpatient (OPD) Limit | Optional add-on | Optional add-on | Full coverage | Full coverage |
| Maternity Waiting Period | Not covered | 10 months (Premier Plus plan) | 10 months | 10 months |
| Emergency Evacuation | Full coverage (local): Domestic ground/air transit to the nearest major Thai medical hub. Hotline pre-approval mandatory | Full coverage (local): Domestic ground/air transit to the nearest major Thai medical hub. Hotline pre-approval mandatory | Full coverage (worldwide): Global air/ground transit to closest medical center. Includes compassionate family visits and child return. Hotline pre-approval mandatory. | Full coverage (worldwide): Global air/ground transit to closest medical center. Includes compassionate family visits and child return. Hotline pre-approval mandatory. |
Pacific Cross Standard Plan: Affordable Essential Coverage
The Standard Plans are the most basic health insurance plan offered by Pacific Cross. The highlight of the Standard Plans is that they are extremely cost-effective while 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 without any hospital restrictions.
| Benefits | Standard
(THB ฿) |
Standard Plus
(THB ฿) |
Standard Extra
(THB ฿) |
| Maximum Benefit per Confinement | 270,000 | 450,000 | 780,000 |
| Room and Board per Confinement (maximum 45 days) | 2,000 per day | 3,000 per day | 4,000 per day |
| ICU (maximum 15 days) | 4,000 per day | 6,000 per day | 8,000 per day |
| 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 per Confinement | 40,000 | 100,000 | 200,000 |
| Day Surgery | 20,000 | 50,000 | 100,000 |
| Outpatient Medical Treatment (maximum 1 visit per day / 30 visits per year) | 1,000 | 1,500 | 2,000 |
| Ambulance Fees | 1,000 | 1,000 | 2,000 |
| Personal Accident Benefits | 100,000 | 100,000 | 150,000 |
| Emergency Medical Evacuation | Full coverage | ||
The Standard Plan, along with the Standard Plus and Standard Extra, provides sufficient coverage for routine and emergency medical needs, making it ideal for expats who require essential coverage within a budget.
Note also that these plans do not cover psychiatric treatment, maternity care, dental treatment, or eye examinations.
Pacific Cross Premier Plan: Broader Coverage with Extra Benefits
The Premier Plan covers everything the Standard plans cover, with fewer limits. It allows access to a maximum benefit amount of up to THB 1.2 million for inpatient care per confinement, THB ฿2,500 for outpatient visits (up to 30 a year), and three visits per year for alternative therapy.
Expats can choose between the Premier and the Premier Plus. The Premier Plan covers everything the basic plan does, with an increase in visits for alternative therapy from three per year to five. The Premier Plus also has built-in maternity benefits
| Benefits | Premier
(THB ฿) |
Premier Plus
(THB ฿) |
| Maximum benefit amount for in-patient per Confinement | 1,200,000 | 3,000,000 |
| Room and Board per Confinement | 5,000 per day
(maximum 45 days) |
Maximum 6,000 per day |
| ICU | 10,000 per day
(maximum 15 days) |
Maximum 12,000 per day |
| 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 per Confinement | 400,000 | Paid in Full |
| Day Surgery | 200,000 | Paid in Full |
| Outpatient Medical Treatment (maximum 1 visit per day / 30 visits per year) | 2,500 | 3,000 |
| Personal Accident Benefits | 150,000 | 200,000 |
| Maternity Benefits | Not covered | Natural delivery: 30,000
Caesarean section: 60,000 Dilation and curettage, miscarriage, and ectopic pregnancy: 25,000 |
| Psychiatric Treatment | Not covered | 30,000 / 100,000 lifetime |
| Emergency Medical Evacuation | Full coverage | |
While the Premier plans don’t include dental and eye care as their core benefits, expats have the option to purchase add-ons that will provide them with THB ฿15,000 for dental treatment and THB ฿3,500 for eye examinations, visual measurements, and vision checks with a 20% copayment.
Pacific Cross Maxima Plan: Comprehensive Protection for Expats
The Maxima Plan is one of Pacific Cross’s more comprehensive plans, providing full coverage for most of what the Premier and Standard Plans cover, along with a significantly higher upper limit for the maximum benefit amount for inpatient care per confinement.
The base Maxima Plan has dental and maternity benefits built in. You will also have access to worldwide evacuations and full coverage for specialist fees and local ambulance services.
The Maxima Plus Plan doubles the maximum benefit amount for inpatient care per confinement from 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 |
| Room and Board per Confinement | Maximum 8,000 per day | Maximum 10,000 per day |
| ICU | 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 | 8,000 | 10,000 |
| 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 |
| Day Surgery | Paid in Full | Paid in Full |
| Outpatient Medical Treatment | Paid in Full | Paid in Full |
| Personal Accident Benefits | 200,000 | 400,000 |
| Ambulance Fees | Paid in Full | Paid in Full |
| Maternity Benefits | Natural delivery: 100,000
Caesarean section: 100,000 Dilation and curettage, miscarriage, and ectopic pregnancy: 40,000 |
Natural delivery: 120,000
Caesarean section: 120,000 Dilation and curettage, miscarriage, and ectopic pregnancy: 50,000 |
| Psychiatric Treatment | 50,000 / 200,000 lifetime | 75,000 / 300,000 lifetime |
| Dental Treatment (20% copayment) | 20,000 (optional) | |
| Eye Examination, Visual Measurement and General Vision Check | 6,000 (optional) | 20,000 |
| Emergency Medical Evacuation | Full coverage | |
Pacific Cross Ultima Plan: Premium Coverage with High Limits
The Ultima Plans are Pacific Cross’ highest-tier plans, offering maximum benefit amounts of THB 20 million and THB 50 million for inpatient care per confinement. Members 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 |
| Room and Board per Confinement | 16,000
Maximum limit per day |
18,000
Maximum limit per day |
| ICU | 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 per Confinement | Paid in Full | Paid in Full |
| Day Surgery | Paid in Full | Paid in Full |
| Outpatient Medical Treatment (maximum 1 visit per day / 30 visits per year) | Paid in Full | Paid in Full |
| Personal Accident Benefits | 400,000 | 500,000 |
| Ambulance Fees | Paid in Full | Paid in Full |
| Maternity Benefits | Natural delivery: 150,000
Caesarean section: 150,000 Dilation and curettage, miscarriage, and ectopic pregnancy: 50,000 |
Natural delivery: 200,000
Caesarean section: 200,000 Dilation and curettage, miscarriage, and ectopic pregnancy: 60,000 |
| Psychiatric Treatment | 100,000 / 400,000 lifetime | 200,000 / 400,000 lifetime |
| Dental Treatment (20% copayment) | 80,000 | 80,000 |
| Eye Examination, Visual Measurement and General Vision Check | 20,000 | 20,000 |
| Emergency Medical Evacuation | Full coverage | |
With comprehensive coverage ranging from routine and emergency to dental and eye care, the Ultima plans are perfect for expats who value high coverage and would like access to the highest quality of care in Thailand’s top hospitals.
Travel Insurance by Pacific Cross: Protection for Travelers
Like their health insurance plans, Pacific Cross’ Travel-in-One is a cost-effective option that provides peace of mind for travelers inside and outside Thailand. Their travel insurance plans are Schengen-approved and give you access to 24-hour worldwide emergency assistance.
Pacific Cross Travel All-in-One: Flexible Coverage for Smart and Safe Travel
The Travel All-in-One insurance is designed to protect travelers against unexpected medical emergencies, loss of life, personal property, trip cancellations, and other travel mishaps with five different plan options to meet your different travel needs.
| Benefits | Plan 1
(THB ฿) |
Plan 2
(THB ฿) |
Plan 3
(THB ฿) |
Plan 4
(THB ฿) |
Plan 5
(THB ฿) |
| Personal Accident Benefits | 1,000,000 | 1,500,000 | 1,500,000 | 3,000,000 | 5,000,000 |
| Medical Benefits for Treatment Received Overseas | 1,000,000 | 1,500,000 | 1,500,000 | 3,000,000 | 5,000,000 |
| Medical Benefits for Continued Treatment After Returning to Thailand | 100,000 | 150,000 | 150,000 | 300,000 | 500,000 |
| Trip Cancellation | Not covered | Not covered | 50,000 | 100,000 | 200,000 |
| Travel Delay (for each and every six hours of delay) | 1,000 | 1,500 | 1,500 | 3,000 | 5,000 |
| Baggage Loss or Damage | 1,000 | 1,500 | 1,500 | 3,000 | 5,000 |
| Baggage Delay (every six consecutive hours of delay) | Not covered | Not covered | 2,500 | 5,000 | 10,000 |
| Emergency Medical Evacuation and Repatriation | 1,000,000 | 1,500,000 | 1,500,000 | 2,000,000 | 3,000,000 |
Pacific Cross also offers short-term and long-term travel insurance options through their Bon-Voyage Single-Trip Plan, Outbound Travel Insurance, and STV 90 and STV 180 Visa plans.
Direct Comparison: Pacific Cross vs. AXA Thailand vs. Luma
While shopping for expat coverage in Thailand, Pacific Cross is frequently weighed against AXA Thailand and Luma. While all three are high-quality options, they serve slightly different priorities.
- Pacific Cross: Known for its highly flexible localized tiers, high customizability, and a strong track record of leniency with senior or retiring expats.
- AXA Thailand: Offers a large local infrastructure, well-reputed multi-tiered regional options (like the SmartCare series), and seamless direct-billing arrangements across major standard and premium networks.
- Luma: Targets premium expat demographics and families, prioritizing high-end customer care, extensive wellness benefits, and effortless English-language care navigation at elite institutions.
Which Expat Profile Suits Each Best?
- The Budget-Conscious Expat or Retiree: Pacific Cross is the ideal match. Its modular plans allow you to scale down unnecessary OPD costs to keep premiums low while maintaining robust emergency IPD safety nets.
- The Career Professional/Digital Nomad: AXA Thailand fits best. They offer predictable corporate-style local benefits and straightforward travel integration for those moving around Southeast Asia.
- The Premium Medical Consumer: Luma wins for those who prioritize premium comfort, higher room-and-board allowances, and seamless navigation through premium institutions like Bumrungrad or Samitivej.
Insurance Agents vs Brokers: Key Differences Explained
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 both lead to 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 a broker is who they represent. An agent typically represents either an insurance company or a specific insurance policy from that company. On the other hand, an insurance broker represents you.
This means a broker will put your needs above the needs of the insurance company, ensuring that the options you are given fit your specifications and your budget range.
Your Options
When you secure a policy through an agent, you often receive options from one specific company, while a broker provides options from a number of different companies, as brokers partner with various 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 a broker is to help you secure an insurance policy that best fits what you want covered while still staying within your budget range. In contrast, an insurance agent’s goal is to persuade you to purchase an insurance policy from the company they represent.
Frequently Asked Questions
How much does health insurance cost in Thailand for expats?
In Thailand, a health insurance plan costs USD $4,695 for individual plans and $11,683 for family plans. If you’d like to learn more about health insurance premiums in Thailand and the rest of the world, feel free to download our latest Cost of International Health Insurance Report 2024.
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 the 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. In addition, some visa types in Thailand specify mandatory health insurance requirements. 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.
What are some common health issues in Thailand?
Some common health issues in Thailand include respiratory viruses such as the bird flu, COVID-19, and seasonal influenza. There is also a risk of mosquito-borne diseases such as dengue, chikungunya, Zika, or Japanese encephalitis.
How do foreigners get healthcare in Thailand?
Foreigners in Thailand can access healthcare through private hospitals, either through local or international health insurance or by covering the costs themselves. With many options in the market, foreigners often work with insurance brokers to help them find the coverage for their needs.
Conclusion
Pacific Cross offers both long-term health insurance and travel insurance options for expats and travelers in Thailand, bringing 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 top hospitals in Thailand.
Pacific Prime Thailand partners with top insurers across the country and beyond, including Pacific Cross! We can help guide you through the complicated processes to help you find the best health insurance plans that fit your needs and budget. Contact us today for a free quote.
At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.
In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.
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Comments
2 Comments
Does anyone have experience with using telehealth services in Thailand as an expat? How reliable and accessible are these services?
Telehealth services in Thailand have become increasingly reliable and accessible, particularly in major cities like Bangkok. Many hospitals and clinics, including top-tier providers such as Bumrungrad International Hospital, offer telehealth consultations for expats and locals alike, providing convenience for non-emergency health issues. These services often include video consultations, e-prescriptions, and follow-up care, with some providers offering apps or online platforms for streamlined access.
For expats, it’s advisable to check whether your health insurance plan covers telehealth services. If you need guidance on selecting an insurance policy that includes telehealth benefits, reach out to Pacific Prime for expert advice and a free quote!
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