{"id":11315,"date":"2025-05-08T17:50:41","date_gmt":"2025-05-08T09:50:41","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=11315"},"modified":"2026-02-20T21:25:29","modified_gmt":"2026-02-20T13:25:29","slug":"health-insurance-in-thailand-for-foreigners","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-in-thailand-for-foreigners.html","title":{"rendered":"Best International Health Insurance Plans for Expats in Thailand"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">To move to Thailand as a foreigner, you will need international health insurance that meets the country\u2019s <a href=\"https:\/\/www.pacificprime.com\/blog\/mandatory-health-insurance-for-expats-in-thailand.html\">requirements for expats<\/a>. This coverage ensures access to quality medical care at Thailand\u2019s top private hospitals while protecting you from unexpected healthcare expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Foreigners planning to live or stay long-term in Thailand often face confusion when comparing health insurance options and costs. This guide explains how to choose the right <a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\">international health insurance plan<\/a>, what coverage to look for, and how much you can expect to pay.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Thailand Health Insurance Costs for Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21362 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/the-grand-palace-in-bangkok-with-ornate-golden-rooftops-and-spires.webp\" alt=\"Image of The Grand Palace In Bangkok With Ornate Golden Rooftops And Spires with text overlay of &quot;Thailand Health Insurance Costs for Expats&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/the-grand-palace-in-bangkok-with-ornate-golden-rooftops-and-spires.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/the-grand-palace-in-bangkok-with-ornate-golden-rooftops-and-spires-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/the-grand-palace-in-bangkok-with-ornate-golden-rooftops-and-spires-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/the-grand-palace-in-bangkok-with-ornate-golden-rooftops-and-spires-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/the-grand-palace-in-bangkok-with-ornate-golden-rooftops-and-spires-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Many factors impact the cost of insurance premiums for international health insurance in Thailand, including the length of time for coverage, what levels of care are covered, your desired deductible or excess, and the insurer. Working with a broker, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">compare quotes from multiple companies<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is especially important because health insurance is required for expats. Find out more in our article, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/mandatory-health-insurance-for-expats-in-thailand.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Thailand Has Mandatory Health Insurance for Expats<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you obtain insurance from a local Thai insurance company or choose a plan from a <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/#:~:text=Buy%20a%20plan%20from%20a%20health%C2%A0insurance%20company%20which%20is%20based%20and%20licensed%20in%20the%20country%20where%20you%20currently%20live%20or%20from%20an%20offshore%20provider\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">larger international insurance company<\/span><\/a><span style=\"font-weight: 400;\">, make sure the quotes are accurate for your situation. Further down, you can learn the <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/what-is-the-cost-of-health-insurance-in-thailand\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">estimates of insurance for a sample client in Thailand<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-46' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Thailand_1.jpg\" alt=\"Blog Banner Thailand 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Sample Insurance Premiums for a 37-Year-Old Expat<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/what-is-the-cost-of-health-insurance-in-thailand\/#:~:text=From%20the%20report,to%20USD%207%2C462\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">premiums for a 37-year-old male expat in Thailand range from UDS $1532 to $7462<\/span><\/a><span style=\"font-weight: 400;\"> based on quotes from 11 different insurers and different coverage selections. That\u2019s quite a range! Let\u2019s break down those estimates by coverage.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A basic plan that covers inpatient expenses only for the above single male expat in Thailand ranges from USD $1532 to $3071.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A plan with inpatient and outpatient coverage for the above single male expat in Thailand ranges from USD $2618 to $6216.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A more comprehensive plan with inpatient, outpatient, maternity, and extended benefits for the above single male expat in Thailand ranges from USD $4408 to $7462.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">We highly recommend <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">getting a free quote<\/span><\/a><span style=\"font-weight: 400;\"> to find a personalized range from selected insurers and coverage options that are optimal for your situation. Below, we\u2019ll explain how to use Pacific Prime\u2019s generator to get personalized quotes from multiple insurance companies.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Use a Broker for Health Insurance in Thailand<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An insurance broker is a company that helps clients by partnering with multiple insurance companies to provide options. A broker like<\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/what-is-the-cost-of-health-insurance-in-thailand\/#:~:text=Due%20to%20our%20extensive%20relationships%20with%20many%20of%20the%20best%20international%20insurance%20providers%2C%20it%20may%20be%20possible%20for%20us%20to%20offer%20discounts%20on%20your%20Thailand%20health%20insurance%20plan%20in%20addition%20to%20being%20able%20to%20tailor%20your%20coverage%20to%20meet%20your%20specific%20healthcare%20requirements\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> Pacific Prime is also able to offer discounts and tailored plans with specific international insurance companies in Thailand<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the companies offering plans in Thailand include these outstanding insurance companies. They are from around the world with their own offices in Thailand:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/axa-ppp\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">AXA Thailand<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">Blue Cross Asia Pacific<\/span><\/a><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-70' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_Thailand.png\" alt=\"Insurers recommendation blog banner Thailand v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Thailand - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Thailand\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton threcbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"april\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-april.png\"\n            alt=\"April\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul class=\"april\">\n          <li>WGlobal Health Plans for Expat Families, Individuals, and Organizations<\/li>\n          <li>30+ Years of International Insurance Expertise<\/li>\n          <li>Comprehensive Benefits<br> Including Dental & Vision<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton threcbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How to Compare Quotes for Thailand Health Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Following the steps outlined below, you can <\/span><b>quickly and effectively compare quotes from multiple insurers for insurance in Thailand<\/b><span style=\"font-weight: 400;\">. When you work with a broker like Pacific Prime, you can find quotes for individuals, families, or large groups.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you learn better through video, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/online-quotation-tool-tutorial\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">watch Pacific Prime\u2019s tutorial on using the quote generator<\/span><\/a><span style=\"font-weight: 400;\"> to compare the costs of plans based on personalized selections.<\/span><\/p>\n<p><b>To get started on comparing insurance plans for Thailand, enter the following basic information:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select Thailand as the country where you will need coverage. If you are visiting multiple countries, select the primary country where you will need coverage. There are plans available that cover specific regions or worldwide.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Indicate how long you will need the insurance coverage. You can select one year, two years, indefinitely, or travel insurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the types of coverage you would like. All plans through Pacific Prime cover inpatient expenses, emergency medical evacuation, and emergency repatriation. You will need to indicate whether you would like Maternity, Dental, and\/or Outpatient coverage. You may select all types, multiple, or stick with inpatient coverage only.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select your age and gender to proceed to the quotation tool. The quotation tool with offer additional options for customization.<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Coverage Options for Expats in Thailand<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">All plans through Pacific Prime in Thailand cover inpatient expenses and <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/what-is-the-definition-of-emergency-evacuation-and-repatriation\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">medical evacuation and emergency repatriation<\/span><\/a><span style=\"font-weight: 400;\">. Additional coverage is available for outpatient, optical, dental, and maternity coverage. Keep in mind that you are financially responsible for anything not covered by insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Prime works with <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/can-a-german-in-thailand-receive-coverage\/#:~:text=Pacific%20Prime%20is,deserve%20while%20overseas.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">clients from around the world seeking insurance<\/span><\/a><span style=\"font-weight: 400;\"> and with health insurance companies with worldwide coverage. Here is a snapshot of what each type of coverage\/plan option is good for, and additional details can be found in <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-thailand.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">International Health Insurance in Thailand<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Optical<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Expenses for eye exams, glasses, and\/or contacts are usually not covered by health insurance. You can customize your plan to include optical benefits.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-thailand.html#:~:text=International%20Health%20Insurance%3A%20Dental,Membrane%20treatments\" target=\"_blank\" rel=\"noopener\"><b>Dental<\/b><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Expenses for teeth cleaning, dental exams, root canals, and more are not covered by a standard health insurance plan. You may customize your plan to include dental coverage.<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-thailand.html#:~:text=International%20Health%20Insurance%3A%20Maternity,Insurance%20blog%20post.\" target=\"_blank\" rel=\"noopener\"><b>Maternity<\/b><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Health Insurance plans abroad do not cover maternity care like prenatal exams and delivery fees unless you have a customized plan with coverage. There is a waiting period, so find out more about maternity coverage specifics.<\/span><\/p>\n<p><b>Note: <\/b><span style=\"font-weight: 400;\">If you choose to receive treatment in within-network providers, you also enjoy the convenience of <\/span><a href=\"https:\/\/www.pacificprime.lat\/plans\/individual\/#:~:text=Ensure%20you%20are%20insured%20for%20life%20with%20guaranteed%20renewability%2C%20and%20make%20using%20your%20insurance%20as%20easy%20as%20possible%20with%20direct%20billing.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">direct billing<\/span><\/a><span style=\"font-weight: 400;\">. Direct billing means the facility in Thailand can bill insurance directly. Without it, you will need to pay the medical bill and seek reimbursement from your insurer.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-47' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Thailand_2.jpg\" alt=\"Blog Banner Thailand 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Understanding Pre-Existing Condition Coverage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Coverage for individuals with pre-existing conditions may be limited, but there are a few options worth exploring for expats with health conditions. Coverage for <a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\" target=\"_blank\" rel=\"noopener\">pre-existing conditions<\/a> may be handled by exclusion, moratorium, coverage with loading, or medical history disregarded.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will explain each option in greater depth:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International Health Insurance: Pre-existing Condition Exclusion<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re a foreigner looking for health insurance in Thailand with a pre-existing condition, you may be offered a plan that <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/can-a-german-in-thailand-receive-coverage\/#:~:text=Exclusion%0A%0AThe%20insurer%20may%20elect%20to%20exclude%20the%20condition%20from%20coverage%20under%20the%20plan.%20If%20the%20condition%20is%20excluded%20from%20coverage%20then%20the%20plan%20will%20not%20cover%20the%20cost%20of%20treatment%20for%20that%20condition%20nor%20any%20related%20conditions%20or%20symptoms.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">excludes your pre-existing condition<\/span><\/a><span style=\"font-weight: 400;\">. This means that the insurance company will not pay for or reimburse the policyholder for medical bills related to the condition.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International Health Insurance: Pre-existing Condition Moratorium<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A moratorium for a pre-existing condition is when the insurance company offers the expat health insurance but excludes and observes the pre-existing condition for a waiting period. The waiting period is usually 24 months, and then the insurance company reviews its decision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the condition has not required medical consultation, treatments, or medications, then the <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/can-a-german-in-thailand-receive-coverage\/#:~:text=Moratorium%0A%0AThe%20insurer,the%20moratorium%20period.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">insurance company may offer coverage for the pre-existing condition going forward<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-48' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Thailand_3.jpg\" alt=\"Blog Banner Thailand 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International Health Insurance: Pre-existing Condition Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Health insurance may offer coverage for pre-existing conditions with higher premiums. This is called <\/span><a href=\"https:\/\/www.pacificprime.com\/questions\/can-a-german-in-thailand-receive-coverage\/#:~:text=Coverage%20with%20Loading,eligible%20for%20coverage.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">coverage with loading<\/span><\/a><span style=\"font-weight: 400;\">. This option will depend on the insurance company, and not all pre-existing conditions are eligible for this type of coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">International Health Insurance: Medical History Disregarded (MHD)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International health insurance plan groups of 20 or more may offer to disregard medical history in the plan, also called Medical History Disregarded (MHD). This means that individuals in the group policy with pre-existing conditions will have coverage of medical expenses related to their condition.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Overview of Thailand\u2019s Healthcare System<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-21364 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-gardens-and-thai-pavilion-at-royal-flora-park-in-chiang-mai.webp\" alt=\"Image of Colorful Gardens And Thai Pavilion At Royal Flora Park In Chiang Mai with text overlay of &quot;Overview of Thailand\u2019s Healthcare System&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-gardens-and-thai-pavilion-at-royal-flora-park-in-chiang-mai.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-gardens-and-thai-pavilion-at-royal-flora-park-in-chiang-mai-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-gardens-and-thai-pavilion-at-royal-flora-park-in-chiang-mai-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-gardens-and-thai-pavilion-at-royal-flora-park-in-chiang-mai-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/colorful-gardens-and-thai-pavilion-at-royal-flora-park-in-chiang-mai-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Thailand has both public hospitals and private hospitals. Thailand\u2019s private hospitals are popular among medical tourists and expats alike. The doctors offer top-notch care at affordable rates. Their medical care has drawn <\/span><a href=\"https:\/\/www.trade.gov\/healthcare-resource-guide-thailand#:~:text=Thailand%20is%20recognized,than%20in%20Thailand.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">worldwide attention<\/span><\/a><span style=\"font-weight: 400;\"> for its widespread attraction and value.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would like to know more, check out the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-thailand-private-hospitals-for-expats.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Best Private Hospitals in Thailand<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Headed to Bangkok? Learn more about health insurance in Bangkok!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">How much does international health insurance cost in Thailand?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The average premium of international health insurance that provides coverage in Thailand is <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2023\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">USD $3,594 for individuals and USD $11,683 for families<\/span><\/a><span style=\"font-weight: 400;\">, based on plans most expats secured.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is healthcare free for expats in Thailand?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Healthcare with free point-of-service is available for expats in Thailand who pay into the Social Security scheme. Other expats will need to secure a private health insurance plan to receive coverage in Thailand.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can foreigners in Thailand use public hospitals there?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Foreigners may use public hospitals in Thailand. However, the foreigner will be billed for medical care received. Thailand uses a dual-billing system that charges higher amounts to foreigners.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is healthcare better in Thailand than in the USA?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Thailand\u2019s private hospitals offer the latest treatments and have well-trained doctors. Out-of-pocket costs for medical procedures in Thailand are also lower, meaning you get more value in Thailand\u2019s private healthcare options. However, your medical insurance may not cover international procedures.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How expensive is healthcare in Thailand?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Healthcare in Thailand is a fraction of the cost in some of the more expensive countries like the United States. Thailand has doctors and hospitals that offer the latest treatments, meaning that healthcare in Thailand has a better value than in many parts of the world.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">If you\u2019re married to a Thai woman and live in Thailand, do you qualify for health insurance?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats married to Thai citizens must apply for permanent residency to have benefits like universal healthcare. Spouses of Thai citizens also have access to expedited citizenship in Thailand.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-65' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\ndiv.banner-insurers-card-image img.april {\n  width: 80px;\n  height: auto;\n}\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-thailand-bg.png');\n  }\n  div.banner-insurers-card-image img.april {\n    width: 80px;\n    height: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Thailand -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-thailand-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Thailand<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton threcbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"april\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-april.png\" alt=\"April\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>World-leading Health Insurance Provider for Expats<\/li>\n          <li>Quick and Efficient Claims Process<\/li>\n          <li>Maximum Plan benefits up <br>to USD 5,000,000<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton threcbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Thailand ends --><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Enjoy all that Thailand has to offer with the peace of mind that a quality health insurance plan brings for expats.<\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Compare free quotes from top worldwide insurance companies<\/span><\/a><span style=\"font-weight: 400;\">. You\u2019ll be able to compare plans based on coverage and premiums.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With Pacific Prime, you can customize <\/span><span style=\"font-weight: 400;\">the coverage options of your <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Thailand health insurance<\/span><\/a><span style=\"font-weight: 400;\"> in many ways<\/span><span style=\"font-weight: 400;\"> and choose from our selection of <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-companies-top-thailand-companies-for-expats.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">top insurance partners<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For additional resources for expats moving to Thailand, check out<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-in-thailand.html\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">The Best Places to Live in Thailand for Expats<\/span><\/a><span style=\"font-weight: 400;\">. And if you would like more information on the costs associated with living abroad in Thailand, check out these guides that provide insights into the cost of living in Thailand:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-asia.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Guide to Living Abroad in Asia<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-thailand.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Guide to Living Abroad in Thailand<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>To move to Thailand as a foreigner, you will need international health insurance that meets the country\u2019s requirements for expats. This coverage ensures access to quality medical care at Thailand\u2019s top private hospitals while protecting you from unexpected healthcare expenses. Foreigners planning to live or stay long-term in Thailand often face confusion when comparing health &#8230;<\/p>\n","protected":false},"author":54,"featured_media":21361,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-11315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance In Thailand For Foreigners<\/title>\n<meta name=\"description\" content=\"Secure the right international health insurance for Thailand with cost breakdowns, plan options, and expert tips for 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