Thaivivat Insurance In Thailand: For Expats And Travelers

Thaivivat is an insurance company founded in 1951 with an initial investment of 10 million baht, and its headquarters are currently located in Bangkok. Today, it offers health insurance to both Thai nationals and expats with 6 plans to choose from.

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Are you looking to secure health insurance during your stay in Thailand? Are you concerned about the cost of healthcare in Thailand? Do you want to know why it’s worthwhile to consider a Thai insurance company?

Keep reading this article to learn more about what Thaivivat has to offer.

This article will provide an overview of the importance of medical health insurance for expats, the qualification requirements, the available plans provided by Thaivivat, why you should consider choosing Thaivivat health insurance, and the advantages of working with an insurance broker.

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Why Expats Need Thaivivat Medical Insurance?

Thaivivat offers comprehensive health coverage for expats living in Thailand by removing all obstacles related to Thai healthcare requirements; for instance, expats are not eligible for Thai universal healthcare, which requires them to pay for private health insurance plans.

Travelers, especially those venturing to outlying areas, need to be aware of the fact that adequate medical care may not always be readily available. Because of this, it is important to have a strategy in place that coordinates medical evacuations in the event that they are needed.

Daytime View Of A White & Brown Building In Bangkok

Finally, visitors to a foreign country may have trouble getting the medical care they need in an emergency or at affordable prices if they do not know the ins and outs of the local legal system. The right insurance company can efficiently handle your provider’s and insurance company’s communications, putting you under the care of a doctor immediately.

It is imperative to have a comprehensive medical insurance plan to cover the costs associated with accidents and illnesses that may occur while living in or visiting Thailand. This is why Thaivivat is a leading choice for expats in Thailand.

Thaivivat’s Conditions and Requirements

Thaivivat’s insurance plans are offered to those aged 65 and under and to those without pre-existing or congenital conditions. Direct billing under the Thaivivat coverage scheme is only available within Thailand, and they only receive and make payments in Thai Baht (THB).

For those who are interested in securing health insurance from Thaivivat, the requirements are as follows:

The age limit is 65 years
The maximum age for renewal is 70 if you enroll after 61
Local Thai nationals are accepted
Kids alone are not accepted

The payment terms, regarding currencies and acceptance, are as follows:

Bank transfers are accepted
Credit cards are accepted
Payment frequency is 8% monthly (First 2 months must be paid in advance)
The only currency accepted is Thai Baht
Acceptance is processed upon payment

The underwriting terms are as follows:

Pre-existing conditions are not accepted
Congenital conditions are not covered
The company will not pay benefits for any sickness during the first 30 days from the date of policy commencement
The company will not pay any benefits during the first 120 days from the policy commencement date for the following diseases:
A benign or malignant tumor, cancer or cystic mass
Hemorrhoids
Hernias
Pterygium, pinguecula, and cataract
Tonsillectomy or adenoidectomy
Stones
Varicose veins
Endometriosis

The claims and reimbursement conditions are as follows:

Only scanned copies of original documents are accepted
Reimbursements will be paid in Thai Baht
The average claim time is 2 to 3 weeks
Worldwide direct billing is not available
Direct billing is only available in Thailand

If you are eligible and willing to comply with these terms, you can move on to exploring the various plans provided by Thaivivat.

Expat Health Insurance Plans Provided by Thaivivat

Thaiviviat’s health insurance plans include Star 1 Plus, Star 2 Plus, Star 3 Plus, Star 4 Plus, and Star 5 Plus. These plans are listed in order of comprehensiveness and coverage limits, with Star 4, 5, and 6 Plus being the most comprehensive plans offering 100% coverage of general expenses.

BTS Skytrain At Chidlom, Bangkok: Rainy Day With Pollution

Please note that coverage outside of Thailand is only available for trips of up to 30 days maximum, on a reimbursement basis, for illnesses and accidents. For the U.S. and Canada, only accidents are covered.

The plans are discussed in detail below.

Star 1 Plus Health Insurance by Thaivivat

Thaivivat’s Star 1 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with an annual limit of 150,000 THB, focusing on affordable inpatient care and the coverage of general hospital expenses of up to 14,000 THB. Add-on outpatient coverage is 400 THB per day.

The annual limit, including disability, is 150,000 THB
Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and OPD treatments, are covered for a maximum of 30 days after discharge, for up to 14,000 THB
Room and board 1,000 THB per day, with ICU coverage of 2,000 THB a day
Inpatient Doctors fees are 500 THB a day and 2,000 THB for specialist consultation fees per disability
Add-on outpatient coverage of 400 THB per day, with a maximum limit of 30 days
Deluxe OP 600 THB
Evacuation and repatriation limit of 500,000 THB
Maternity and complications fully covered within the hospital’s general expense limit (with a waiting period of 280 days)

Star 2 Plus Health Insurance by Thaivivat

Thaivivat’s Star 2 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with an annual limit of 400,000 THB, focusing on affordable inpatient care and the coverage of general hospital expenses of up to 45,000 THB. Add on outpatient coverage is 600 THB per day.

The annual limit, including disability, is 400,000 THB
Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and OPD treatments, are covered for a maximum of 30 days after discharge, for up to 45,000 THB
Room and board are 3,000 THB per day, with ICU coverage of 5000 THB a day
Inpatient doctor fees are 700 THB a day and 4,000 THB for specialist consultation fees per disability
Add-on outpatient coverage of 600 THB per day, with a maximum limit of 30 days
Deluxe OP 1,000 THB
Evacuation and repatriation limit of 500,000 THB
Maternity and complications fully covered within the hospital’s general expense limit (with a waiting period of 280 days)

Star 3 Plus Health Insurance by Thaivivat

Thaivivat’s Star 3 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with an annual limit of 600,000 THB, focusing on affordable inpatient care and the coverage of general hospital expenses of up to 80,000 THB. Add on outpatient coverage is 1000 THB per day.

CentralWorld Mall On Ratchadamri Road, Bangkok, Thailand

The annual limit, including disability, is 600,000 THB
Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and OPD treatments, are covered for a maximum of 30 days after discharge, for up to 80,000 THB
Room and board are 5,000 THB per day, with ICU coverage of 10,000 THB a day
Inpatient doctor fees are 1000 THB a day and 6,000 THB for specialist consultation fees per disability
Add-on outpatient coverage of 1000 THB per day, with a maximum limit of 30 days
Deluxe OP 1,500 THB
Evacuation and repatriation limit of 500,000 THB
Maternity coverage of 45,000 THB for normal deliveries and 80,000 THB for surgical deliveries

Star 4 Plus Health Insurance by Thaivivat

Thaivivat’s Star 4 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with an annual limit of 1,000,000 THB, focusing on affordable inpatient care and 100% coverage of general hospital expenses. Add on outpatient coverage is 1500 THB per day.

The annual limit, including disability, is 1,000,000 THB
Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and OPD treatments, are covered for a maximum of 30 days after discharge, for up to 100% of all costs.
Room and board are 7,000 THB per day, with full ICU coverage
Inpatient doctor fees and specialist consultation fees per disability are covered in full
Add-on outpatient coverage of 1,500 THB per day, with a maximum limit of 30 days
Deluxe OP 2,000 THB
Evacuation and repatriation limit of 500,000 THB
Maternity coverage of 45,000 baht for normal deliveries and 80,000 baht for surgical deliveries

Star 5 Plus Health Insurance by Thaivivat

Thaivivat’s Star 5 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with an annual limit of 2,000,000 THB, focusing on affordable inpatient care and 100% coverage of general hospital expenses. Add on outpatient coverage is 40,000 THB per day.

The annual limit, including disability, is 2,000,000 THB
Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of operating theater, and Emergency treatment (maximum per disability), including follow-ups and OPD treatments, are covered for a maximum of 30 days after discharge, for up to 100% of all costs.
Room and board are 11,000 THB per day, with full ICU coverage
Inpatient doctor fees and specialist consultation fees per disability are covered in full
Add-on outpatient coverage of 40,000 THB per day, with a maximum limit of 30 days
Deluxe OP 60,000 THB
Evacuation and repatriation limit of 500,000 THB
Maternity coverage of 80,000 baht for normal deliveries and 120,000 baht for surgical deliveries

Star 6 Plus Health Insurance by Thaivivat

Thaivivat’s Star 6 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with an annual limit of 8,000,000 THB, focusing on affordable inpatient care and 100% coverage of general hospital expenses. Add on outpatient coverage is 50,000 THB per day.

Annual Limit/Disability 8,000,000 THB
Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and OPD treatments, are covered for a maximum of 30 days after discharge, for up to 100% of all costs.
Room and Board 12,000 THB per day with ICU in full
Inpatient doctor fees and specialist consultation fees per disability are covered in full
Add-on outpatient coverage of 50,000 THB per day, with a maximum limit of 30 days
Deluxe OP 75,000 THB
Evacuation and repatriation limit of 500,000 THB
Maternity coverage of 80,000 baht for normal deliveries and 120,000 baht for surgical deliveries

Thaivivat’s Group Health Insurance Plans for Expats

Thaivivat not only offers individual health insurance policies but also group insurance for businesses in Thailand that want to cover their employees fully. Their plans are designed to enable workers and expats to travel, work, and live in Thailand without worrying about access to medical care.

Bangkok Skyline: Towering Buildings And Temple Dome

Thaivivat’s group health insurance includes the following benefits:

Global, portable coverage that can be converted to individual plans upon termination of group coverage for employees with continuous employment terms
Cashless access to over 400 private healthcare providers in Southeast Asia
First-class multi-language claims service from Euro-Centre
Easy-to-implement cover for groups of 3 or more employees
Medical History Disregarded (MHD) is available for groups of 10 or more employees
Adjustable protection that fits your company’s budget and coverage needs
Options for coverage types, deductible amounts, and premium payment structures

Why Consider Choosing Thaivivat Health Insurance?

Thaivivat offers portable, digitally advanced, and affordable insurance plans on top of their local regulatory expertise. When it comes to living and working in Thailand, the company is ahead of the curve in offering expats what they need to live a comfortable life in Thailand without obstacles.

A Leading Insurer in Thailand

Thaivivat is a frontrunner with more than 70 years of insurance experience in Thailand. Thaivivat can be trusted and relied upon to coordinate the needs of expats and healthcare providers. Their network includes more than 315 hospitals across Thailand.

If you’re in need of urgent treatment within Thailand, you can rest assured knowing that a native Thai insurer can provide you with timely access, knowing the ins and outs of Thai healthcare.

Cutting-Edge Digital Insurance

Over the years, Thaivivat has excelled at offering digital insurance plans to their clients, partnering with FitBit to provide the highest quality real-world evidence used to shape insurance plans, and enabling their policyholders to manage their plans on digital platforms.

What’s more, their digital insurance plans also provide health incentives for policyholders, offering discounts to those who meet daily exercise goals, such as the number of steps taken in a day or over the course of a month.

A Thai Insurer Knows Thailand Best

Thaivivat has in-depth knowledge of the local insurance landscape, regulations, and healthcare providers. Their expertise on Thailand-specific insurance practices will put you under the care of a doctor immediately and without barriers.

There are varying laws and norms in effect throughout the world, and expats may face astronomical medical bills and be denied emergency care if they are unaware of or have not researched the country’s healthcare laws in advance. This calls for the knowledge of a Thai insurer.

Affordability Without Compromise

It is Thaivivat’s goal to offer the most affordable medical health insurance without compromising quality. Their commitment to affordability means the increase in premiums always stays affordable and within the budget of their policyholders.

Thaivivat continuously offers ways for policyholders to reduce their premiums, for example, by providing the option to choose a higher voluntary annual excess and which benefits to prioritize. This is the Thaivivat difference.

The Advantages Of Working With An Insurance Broker

The primary advantage of working with an insurance broker to purchase health insurance is the increased likelihood of obtaining coverage that best meets your needs and fits your budget. Brokers help you accomplish this by acting as intermediaries to get you what you need for your specific conditions.

Since the success of a brokerage depends on having happy clients, brokers will put your needs first and do whatever it takes to earn your trust and satisfaction. Moreover, they will ensure that you understand every aspect, condition, and mechanism behind your plans, leaving no detail amiss.

James Bond Island View, Thailand

Pacific Prime is proud to be recognized as an industry leader in providing our customers with a clear and actionable understanding of their insurance options. We have become the go-to broker for clients all over the world thanks to our team of insurance industry experts, first-rate services, and customer-centric approaches.

A few ways we can help you is by:

Providing you with an understanding of the ins and outs of Thaivivat plans. It is important for us to ensure that you have a comprehensive understanding of what you’re entitled to.
Providing impartial advice via phone call. Whatever it is you need help with, we’re just a call away, and we’re ready to assist you by answering your queries and processing your claims.
Helping you pick and choose the right plan for your needs. We take the time to consider your needs and budgetary constraints, ensuring the plan you choose is cost-effective, practical, and suitable for you.
Supporting you throughout your insurance journey. Our success is predicated on your satisfaction and well being. As a result, we are committed to supporting you throughout your insurance journey, no matter how far you may be.

Get Health Coverage Today

Thailand is a once-in-a-lifetime opportunity that offers a low cost of living, year-round warm weather, and an abundance of friendly locals. Additionally, the costs of accommodation are affordable, and the public transport and communication infrastructure are up to standard.

You might as well research Thailand health insurance for expats and the best places to live in Thailand for expats while you’re at it.

With Pacific Prime as your trusted broker, you can attain the peace of mind necessary to explore and live in any country. We can provide you with an international health insurance plan to suit your individual needs or those of your family, allowing them to freely explore the land of smiles.

Additionally, it is worth considering Pacific Cross and VUMI when choosing your health insurance plans, as they offer equally attractive coverage terms and conditions. You can also compare plans from the top insurance companies in Thailand to get a fuller picture of your options.

Get in touch with us right away for quotes, or read here to find out how to use the quote generator.

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Frequently Asked Questions

How many people can I insure on one plan?

Thaivivat’s international health insurance plans are designed to meet the needs of both individuals and families. As a result, it is possible to insure just yourself, a specific member of your family, or your entire household.

Who do you provide cover for?

Thaivivat provides coverage for individuals and groups residing in Thailand who require the benefits and options provided by an international health plan. Their health insurance offers the highest standards of quality and services, making it a leading choice for local expatriates.

What happens if I change my country of residence?

In light of their current arrangements, Thaivivat cannot provide policyholders with continuous medical underwriting terms if they relocate to the United States, Switzerland, the United Arab Emirates, or Africa. This is because there is a possibility that these plans may evolve over time.

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Serena Fung

Head of Content at Pacific Prime

Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.