IMG Insurance In Thailand: For Expats And Travelers
International Medical Group is an award-winning travel and health insurer that covers expats and globetrotters in Thailand. From its head office in the US and regional offices, including Thailand, IMG serves millions of customers in over 190 countries globally.
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Whether you’re planning to live in Thailand on a long-term basis or just want to visit this tropical paradise for leisure purposes, IMG has something for you. Their products are highly tailorable and designed to meet different healthcare and lifestyle needs.
You can rest assured that IMG health insurance in Thailand will provide you with a wide variety of comprehensive travel and health insurance plans to choose from. This is matched with top-class customer service and round-the-clock assistance and digital platforms.
In this Pacific Prime article, we’ll go over some key facts about IMG health insurance in Thailand to help you decide which insurance provider to choose. You’ll get a brief overview of IMG’s history, products, and services, as well as why it’s a better idea to buy IMG products through a broker like us.
Are you ready to secure IMG health insurance? You can get a FREE, no-obligation quote here! Alternatively, you can also learn a bit more about the health insurance landscape in Thailand before making your decision.
IMG: Thailand Insurance Provider Introduced For Expats
IMG began its operations in 1990 in Indiana, US as an independent managing general underwriter. They built a solid foundation by providing a variety of innovative insurance plans. Today, IMG continues its market-leading position by servicing expats around the world, including in Thailand.
Here are some key facts about IMG:
- 190+ countries where members are served
- 25 insurance plans to meet clients’ needs
- 800,000 doctors and hospitals in their global network
- 43,000 producers
- 338 employees and growing
- 18 languages spoken in-house
In the 2000s and beyond, IMG began its transition from a paper-heavy business to facilitating more digital transactions. IMG has since developed plenty of online resources – including the MyIMG portal, which provides members easy and convenient access to their accounts from anywhere in the world.
IMG Health Insurance In Thailand For Expats
If you’re looking for expat health insurance in Thailand, you’re best suited to the IMG Global Medical Insurance plan, which offers four options: Bronze, Silver, Gold, and Platinum. The plans range from cheapest to most expensive, with benefits and coverage levels also increasing based on price.
This plan is available to individuals and families of all nationalities between the ages of 14 days and 74 years old. US citizens must plan to be residing outside the US on or before their effective and renewal dates, for at least six months out of the next year. There are also similar eligibility restrictions for non-U.S. citizens residing in the U.S.
Here are the details of each IMG Global Medical insurance plan:
Bronze Plan
IMG health insurance’s Bronze plan in Thailand offers long-term (more than 1 year) worldwide medical insurance for individuals and families. The maximum limit is USD 1,000,000, and deductible options range from USD $250 to USD $10,000.
Optional coverage includes dental & vision riders and term life insurance.
Bronze Plus Plan
In addition, there’s also the Bronze Plus plan. IMG’s Bronze Plus plan has a maximum limit of USD $2,000,000.
Optional coverage includes dental treatment and routine pregnancy and childbirth.
Silver Plan
IMG health insurance’s Silver plan in Thailand offers long-term (more than 1 year) worldwide medical insurance for individuals and families. The maximum limit is USD 5,000,000, and deductible options range from USD $250 to USD $10,000.
Optional coverage includes dental & vision riders and term life insurance.
Gold Plan
IMG health insurance’s Gold plan in Thailand offers long-term (more than 1 year) worldwide medical insurance for individuals and families. The maximum limit is USD 5,000,000, and deductible options range from USD $250 to USD $25,000.
Optional coverage includes dental & vision riders, a sports rider, and term life insurance.
Platinum Plan
IMG health insurance’s Platinum plan in Thailand offers long-term (more than 1 year) worldwide medical insurance for individuals and families. The maximum limit is USD 8,000,000, and deductible options range from USD $100 to USD $25,000.
Optional coverage includes a terrorism rider, sports rider, and term life insurance.
IMG Travel Insurance In Thailand For Travelers
If you’re looking for short-term health and travel insurance in Thailand, you’re best suited to the IMG Patriot International Insurance plan, which offers three options: multi-trip, lite, and platinum.
The plans range from cheapest to most expensive, with benefits and coverage levels also increasing based on price.
This plan is available to US citizens traveling outside the US and for non-US citizens traveling outside their home country. Those aged 65 years and older must have their period of coverage begin within 30 days of arrival in the US – unless they have proof of a previous valid international travel insurance plan.
Here are the details of each IMG Patriot International insurance plan:
IMG Travel Insurance Multi-Trip Plan
IMG health insurance’s multi-trip plan in Thailand offers annual multi-trip travel medical insurance for individuals, families, and groups. Trips can be up to 45 days, and there is flexibility to travel as many times per year. The maximum limit is USD $1,000,000, and the deductible is USD $250.
Optional coverage includes adventure sports riders.
IMG Travel Insurance Lite Plan
IMG health insurance’s lite plan in Thailand offers medical coverage for unexpected illnesses and accidents, including COVID-19. The maximum limit is from USD $50,000 to USD $1,000,000, and emergency medical evacuation coverage is also provided up to USD $1,000,000.
Optional coverage includes enhanced AD&D rider, device protection rider, and an adventure sports rider.
IMG Travel Insurance Platinum Plan
IMG health insurance’s lite plan in Thailand offers medical coverage for unexpected illnesses and accidents, including COVID-19. The maximum limit is from USD $2,000,000 to USD $8,000,000, and emergency medical evacuation coverage is also provided up to the policy maximum.
Optional coverage includes an enhanced AD&D rider, device protection rider, and adventure sports rider.
Note: This platinum plan also provides access to the Travel Intelligence App for location-specific alerts and information.
Why You Should Use A Broker Like Pacific Prime To Buy Insurance
From getting 100% impartial advice to unrivaled customer support from expat advisors like yourself, working with a broker like us will bring you a number of advantages. Though you may like the sound of IMG health insurance in Thailand, it’s a good idea to go to a broker like Pacific Prime instead.
Impartial Advice
As Pacific Prime partners with many global insurers and Thailand-specific insurers, we know the ins and outs of the health insurance options in the market and are not loyal to any particular insurer. This means that we can be impartial when advising you, taking into account your needs and budget.
So if we do end up recommending an IMG health insurance plan to you, it’s because we genuinely believe it’s the best option for you in the market. You can be certain that we don’t have ulterior motives and won’t push you toward one insurer over another as we don’t stand to benefit from doing so.
Expat-Focused, FREE Value-Added Services
Pacific Prime also offers a range of value-added services that are tailored to the needs of expats like yourself. After all, we were founded on the mission of simplifying insurance for expats and globetrotters.
From hospital recommendations to claims assistance and beyond, you’re in safe hands throughout your insurance journey.
Here are some of the value-added services we provide our clients:
- Easy-to-use, online quotation tool: You can easily find and compare a variety of IMG health insurance plans for Thailand online using our quotation tool.
- Expat, multilingual advisors: Many of our advisors are expats themselves, so they intimately understand the challenges you face and will be better positioned to help you.
- Support services: This includes hospital recommendations, form-filling help, liaising with IMG health insurance in Thailand, claims assistance, renewal support, and more.
Competitive Premiums
It’s a big misconception that securing health insurance directly from insurance companies is cheaper than working with brokers. More often than not, insurers work with third parties like brokers to help them sell their products, so are reluctant to provide any discounts to direct clients.
As a broker, this means that IMG health insurance plans that Pacific Prime offers in Thailand (and elsewhere for that matter) are priced the same as what IMG would charge their clients. On top of this, you’ll benefit from the aforementioned support services for free.
Frequently Asked Questions
Are foreigners and expats eligible for free healthcare in Thailand
Foreigners and expats aren’t typically able to access healthcare in Thailand using the country’s universal health program. The exception is expats working in the country who pay monthly social security contributions.
Is it beneficial to secure expat health insurance in Thailand?
It is highly beneficial for foreigners and expats to secure health insurance in Thailand. The cost of medical care in Thailand – although relatively affordable by international standards – can quickly add up if you go to the best providers and having health insurance offers peace of mind.
Does expat health insurance in Thailand cover COVID-19?
Generally speaking, expat health insurance plans in Thailand don’t provide special coverage for COVID-19. Just like any other condition, COVID-19 is covered by either inpatient or outpatient benefits.
Is IMG a good option for expat health insurance in Thailand?
As an experienced and established insurer, IMG is a good option for expat health insurance in Thailand. IMG is also backed by highly rated companies and received an A- rating from the Better Business Bureau.
What is the cost of expat health insurance in Thailand?
The cost of expat health insurance in Thailand is approximately USD $2,000 per year for individuals and USD $10,000 per year for families. It goes without saying that the cost of expat health insurance differs depending on the insurer, plan, and benefits chosen.
Conclusion
With multiple plan options varying in benefits and coverage level, IMG health insurance in Thailand might just have what you’re looking for.
But rather than head to IMG’s website, consider getting in touch with Pacific Prime. With over 20 years of experience as a broker, we can help you compare your options in the market, provide you with impartial advice and a free quote*, as well as heaps of support and assistance.
*Not sure how to use the quote generator? Check out our tutorial on how to use it.
You can also contact us for any concerns or queries. If you’re not looking for IMG plans in Thailand, our advisors can advise on other insurers and plans including, but not limited to, AIA Thailand and Cigna Thailand.
Contact us to kickstart your insurance journey today!
With over 5 years of experience in the field, Suphanida spends the majority of her day synthesizing complex pieces of insurance-related information and translating this into easy-to-understand, engaging, and effective content across a variety of media such as articles, infographics, whitepapers, videos, and more.
Suphanida is also responsible for planning and publishing three whitepapers released annually by Pacific Prime: The State of Health Insurance Report, The Cost of Health Insurance Report, and The Global Employee Benefits Trends Report. Additionally, she handles the LinkedIn profiles of Pacific Prime’s Founder and CEO, as well as Global HR Lead.
Suphanida’s strengths lie in her strong research and analytical skills, which she has gained from her BA in Politics from the University of Warwick and Erasmus Mundus Joint MA in Journalism from Aarhus University and City, University of London.
Being of Thai-Indian origin and having lived, studied, and worked in Thailand, the UK, and Denmark, Suphanida also has a unique, multicultural perspective that helps her understand the struggles of expats and globetrotters.
Outside of work, she enjoys traveling to new places and immersing herself in different cultures.
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