{"id":11909,"date":"2026-08-05T17:43:59","date_gmt":"2026-08-05T09:43:59","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=11909"},"modified":"2026-08-05T20:14:01","modified_gmt":"2026-08-05T12:14:01","slug":"top-thailand-insurance-company-blue-cross","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-blue-cross.html","title":{"rendered":"Pacific Cross Thailand Health Insurance for Expats and Travelers (2026)"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Pacific Cross is a<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-companies-top-thailand-companies-for-expats.html\"> <span style=\"font-weight: 400;\">leading insurance provider for expats and travelers in Thailand<\/span><\/a><span style=\"font-weight: 400;\">, 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.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">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?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Pacific Prime article, we explore the key health insurance coverage in<\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\"> <span style=\"font-weight: 400;\">Thailand<\/span><\/a><span style=\"font-weight: 400;\"> offered by<\/span><a href=\"https:\/\/www.pacificprime.co.th\/insurers\/pacific-cross\/\"> <span style=\"font-weight: 400;\">Pacific Cross<\/span><\/a><span style=\"font-weight: 400;\"> and how they benefit expats and travelers, whether they\u2019re moving to one of the<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-in-thailand.html\"> <span style=\"font-weight: 400;\">top destinations for expats in Thailand<\/span><\/a><span style=\"font-weight: 400;\"> or visiting for the short term.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><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><strong>Why Expats Choose Pacific Cross Health Insurance Thailand<\/strong><\/h2>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-30073 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wat-arun-temple-rising-beside-the-river-with-ornate-spires-and-scenic-surroundings.webp\" alt=\"Image of Wat Arun Temple Rising Beside The River With Ornate Spires And Scenic Surroundings with text overlay of &quot;Why Expats Choose Pacific Cross Health Insurance Thailand&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wat-arun-temple-rising-beside-the-river-with-ornate-spires-and-scenic-surroundings.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wat-arun-temple-rising-beside-the-river-with-ornate-spires-and-scenic-surroundings-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wat-arun-temple-rising-beside-the-river-with-ornate-spires-and-scenic-surroundings-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wat-arun-temple-rising-beside-the-river-with-ornate-spires-and-scenic-surroundings-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wat-arun-temple-rising-beside-the-river-with-ornate-spires-and-scenic-surroundings-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Cross provides health insurance in four different plans, including the<\/span><b> Standard<\/b><span style=\"font-weight: 400;\">, <\/span><b>Premier<\/b><span style=\"font-weight: 400;\">, <\/span><b>Maxima<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Ultima<\/b><span style=\"font-weight: 400;\">. Each comes with a \u201cPlus Plan\u201d for those looking for slightly more coverage. This excludes the Standard Plan, which provides both the Standard Plus and Standard Extra options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All the health insurance plans offered by Pacific Cross include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lifetime renewability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24-hour worldwide emergency treatment coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">COVID-19 coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A hospital network of over 450 leading hospitals<\/span><\/li>\n<\/ul>\n<h2><strong>Pacific Cross 2026 Plan Tiers and Estimated Annual Pricing<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Plan Tier<\/b><\/td>\n<td><b>Age 18-30 (THB \u0e3f)<\/b><\/td>\n<td><b>Age 31-45 (THB \u0e3f)<\/b><\/td>\n<td><b>Age 46-60 (THB \u0e3f)<\/b><\/td>\n<td><b>Age 61-70 (THB \u0e3f)<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Standard<\/b><\/td>\n<td><span style=\"font-weight: 400;\">11,080 &#8211; 11,844<\/span><\/td>\n<td><span style=\"font-weight: 400;\">13,300 &#8211; 16,253<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18,476 &#8211; 22,898<\/span><\/td>\n<td><span style=\"font-weight: 400;\">27,246 &#8211; 37,526<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Premier<\/b><\/td>\n<td><span style=\"font-weight: 400;\">24,505 &#8211; 26,174<\/span><\/td>\n<td><span style=\"font-weight: 400;\">29,421 &#8211; 35,955<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40,873 &#8211; 50,677<\/span><\/td>\n<td><span style=\"font-weight: 400;\">60,266 &#8211; 83,049<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Maxima<\/b><\/td>\n<td><span style=\"font-weight: 400;\">41,285 &#8211; 44,049<\/span><\/td>\n<td><span style=\"font-weight: 400;\">49,521 &#8211; 60,534<\/span><\/td>\n<td><span style=\"font-weight: 400;\">68,819 &#8211; 85,290\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">101,484 &#8211; 139,854\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Ultima<\/b><\/td>\n<td><span style=\"font-weight: 400;\">52,692 &#8211; 56,222<\/span><\/td>\n<td><span style=\"font-weight: 400;\">63,253 &#8211; 77,294<\/span><\/td>\n<td><span style=\"font-weight: 400;\">87,865 &#8211; 108,952<\/span><\/td>\n<td><span style=\"font-weight: 400;\">129,559 &#8211; 178,542<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">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. <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">Get a free, personalized Pacific Cross quote from Pacific Prime today<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<h2><strong>Plan-by-Plan Core Benefits Comparison<\/strong><\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Feature<\/b><\/td>\n<td><b>Standard Plan<\/b><\/td>\n<td><b>Premier Plan<\/b><\/td>\n<td><b>Maxima Plan<\/b><\/td>\n<td><b>Ultima Plan<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Inpatient (IPD) Limit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u0e3f270,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u0e3f1,200,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u0e3f5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u0e3f20,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Outpatient (OPD) Limit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Optional add-on<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Optional add-on<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Maternity Waiting Period<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10 months (Premier Plus plan)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10 months<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Emergency Evacuation<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage (local): Domestic ground\/air transit to the nearest major Thai medical hub. Hotline pre-approval mandatory<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage (local): Domestic ground\/air transit to the nearest major Thai medical hub. Hotline pre-approval mandatory<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage (worldwide): Global air\/ground transit to closest medical center. Includes compassionate family visits and child return. Hotline pre-approval mandatory.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Full coverage (worldwide): Global air\/ground transit to closest medical center. Includes compassionate family visits and child return. Hotline pre-approval mandatory.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Pacific Cross Standard Plan: Affordable Essential Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.pacificcrosshealth.com\/en\/health-insurance\/standard-plan\/\"><span style=\"font-weight: 400;\"> Standard Plans<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefits<\/b><\/td>\n<td><b>Standard<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Standard Plus<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Standard Extra<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maximum Benefit per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">270,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">450,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">780,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Room and Board per Confinement (maximum 45 days)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,000 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,000 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICU (maximum 15 days)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,000 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,000 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8,000 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Examinations or Medical Treatment, Blood and Blood Component Service Fees, Nursing Fees, Medicine Fees, Parenteral Nutrition Fees, and Medical Supplies Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medicine Fees and Medical Supplies 1 for Take-Home Medicine, maximum 14 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Physician\u2019s Fees per Confinement, maximum 45 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,200 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,700 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,200 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Surgery and Procedure Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Organ Replacement Surgery per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Day Surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient Medical Treatment (maximum 1 visit per day \/ 30 visits per year)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ambulance Fees\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Accident Benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">150,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Medical Evacuation<\/span><\/td>\n<td colspan=\"3\"><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Note also that these plans do not cover psychiatric treatment, maternity care, dental treatment, or eye examinations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><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><b>Pacific Cross Premier Plan: Broader Coverage with Extra Benefits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.pacificcrosshealth.com\/en\/health-insurance\/premier-plan\/\"><span style=\"font-weight: 400;\"> Premier Plan<\/span><\/a><span style=\"font-weight: 400;\"> 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 \u0e3f2,500 for outpatient visits (up to 30 a year), and three visits per year for alternative therapy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefits<\/b><\/td>\n<td><b>Premier<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Premier Plus<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maximum benefit amount for in-patient per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,200,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Room and Board per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000 per day<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(maximum 45 days)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum 6,000 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICU<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10,000 per day<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(maximum 15 days)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum 12,000 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Examinations or Medical Treatment, Blood and Blood Component Service Fees, Nursing Fees, Medicine Fees, Parenteral Nutrition Fees, and Medical Supplies Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">300,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medicine Fees and Medical Supplies 1 for Take-Home Medicine, maximum 14 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Physician\u2019s Fees (Doctor) per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,700 per day (maximum 45 days)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Surgery and Procedure Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Organ Replacement Surgery per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">400,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Day Surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient Medical Treatment (maximum 1 visit per day \/ 30 visits per year)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Accident Benefits\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">150,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maternity Benefits\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Natural delivery: 30,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caesarean section: 60,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dilation and curettage, miscarriage, and ectopic pregnancy: 25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Psychiatric Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">30,000 \/ 100,000 lifetime<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Medical Evacuation\u00a0<\/span><\/td>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">While the Premier plans don\u2019t include dental and eye care as their core benefits, expats have the option to purchase add-ons that will provide them with THB \u0e3f15,000 for dental treatment and THB \u0e3f3,500 for eye examinations, visual measurements, and vision checks with a 20% copayment.\u00a0<\/span><\/p>\n<h3><b>Pacific Cross Maxima Plan: Comprehensive Protection for Expats<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.pacificcrosshealth.com\/en\/health-insurance\/maxima-plan\/\"><span style=\"font-weight: 400;\"> Maxima Plan<\/span><\/a><span style=\"font-weight: 400;\"> is one of Pacific Cross\u2019s 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefits<\/b><\/td>\n<td><b>Maxima<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Maxima Plus<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maximum benefit amount for in-patient per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Room and Board per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum 8,000 per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Maximum 10,000 per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICU<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">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<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medicine Fees and Medical Supplies 1 for Take-Home Medicine, maximum 14 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Physician\u2019s Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Surgery and Procedure Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Organ Replacement Surgery, Organ Transplant, or Replacement of Liver, Heart, Lung, Kidneys, and Bone Marrow, including Donor\u2019s costs per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Day Surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient Medical Treatment\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Accident Benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">400,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ambulance Fees<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maternity Benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Natural delivery: 100,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caesarean section: 100,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dilation and curettage, miscarriage, and ectopic pregnancy: 40,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Natural delivery: 120,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caesarean section: 120,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dilation and curettage, miscarriage, and ectopic pregnancy: 50,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Psychiatric Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">50,000 \/ 200,000 lifetime<\/span><\/td>\n<td><span style=\"font-weight: 400;\">75,000 \/ 300,000 lifetime\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Dental Treatment (20% copayment)\u00a0<\/span><\/td>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">20,000 (optional)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Eye Examination, Visual Measurement and General Vision Check<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,000 (optional)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Medical Evacuation\u00a0<\/span><\/td>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Pacific Cross Ultima Plan: Premium Coverage with High Limits<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/www.pacificcrosshealth.com\/en\/health-insurance\/ultima-plan\/\"> <span style=\"font-weight: 400;\">Ultima Plans<\/span><\/a><span style=\"font-weight: 400;\"> are Pacific Cross\u2019 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!<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>BENEFITS<\/b><\/td>\n<td><b>ULTIMA<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>ULTIMA PLUS<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maximum benefit amount for in-patient per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">50,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Room and Board per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">16,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Maximum limit per day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Maximum limit per day<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">ICU<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">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<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medicine Fees and Medical Supplies 1 for Take-Home Medicine, maximum 14 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">16,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Physician\u2019s Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Surgery and Procedure Fees per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Organ Replacement Surgery per Confinement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Day Surgery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Outpatient Medical Treatment (maximum 1 visit per day \/ 30 visits per year)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Accident Benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">400,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ambulance Fees<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Paid in Full<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Maternity Benefits\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Natural delivery: 150,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caesarean section: 150,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dilation and curettage, miscarriage, and ectopic pregnancy: 50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Natural delivery: 200,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Caesarean section: 200,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dilation and curettage, miscarriage, and ectopic pregnancy: 60,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Psychiatric Treatment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000 \/ 400,000 lifetime<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000 \/ 400,000 lifetime\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Dental Treatment (20% copayment)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">80,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">80,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Eye Examination, Visual Measurement and General Vision Check<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Medical Evacuation\u00a0<\/span><\/td>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">Full coverage<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">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\u2019s top hospitals.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><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><b>Travel Insurance by Pacific Cross: Protection for Travelers<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Like their health insurance plans, Pacific Cross\u2019 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.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pacific Cross Travel All-in-One: Flexible Coverage for Smart and Safe Travel\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefits<\/b><\/td>\n<td><b>Plan 1<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Plan 2<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Plan 3<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Plan 4<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<td><b>Plan 5<\/b><\/p>\n<p><b>(<\/b><span style=\"font-weight: 400;\">THB \u0e3f)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Personal Accident Benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Benefits for Treatment Received Overseas<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Medical Benefits for Continued Treatment After Returning to Thailand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">150,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">150,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">300,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Trip Cancellation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">100,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">200,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Travel Delay (for each and every six hours of delay)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Baggage Loss or Damage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Baggage Delay (every six consecutive hours of delay)\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not covered<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Emergency Medical Evacuation and Repatriation\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,000,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><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<h2><strong>Direct Comparison: Pacific Cross vs. AXA Thailand vs. Luma<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pacific Cross<\/b><span style=\"font-weight: 400;\">: Known for its highly flexible localized tiers, high customizability, and a strong track record of leniency with senior or retiring expats.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>AXA Thailand<\/b><span style=\"font-weight: 400;\">: 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Luma<\/b><span style=\"font-weight: 400;\">: Targets premium expat demographics and families, prioritizing high-end customer care, extensive wellness benefits, and effortless English-language care navigation at elite institutions.<\/span><\/li>\n<\/ul>\n<h3><strong>Which Expat Profile Suits Each Best?<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The Budget-Conscious Expat or Retiree<\/b><span style=\"font-weight: 400;\">: <\/span><b>Pacific Cross<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The Career Professional\/Digital Nomad<\/b><span style=\"font-weight: 400;\">: <\/span><b>AXA Thailand<\/b><span style=\"font-weight: 400;\"> fits best. They offer predictable corporate-style local benefits and straightforward travel integration for those moving around Southeast Asia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The Premium Medical Consumer<\/b><span style=\"font-weight: 400;\">: <\/span><b>Luma<\/b><span style=\"font-weight: 400;\"> wins for those who prioritize premium comfort, higher room-and-board allowances, and seamless navigation through premium institutions like Bumrungrad or Samitivej.<\/span><\/li>\n<\/ul>\n<h2><b>Insurance Agents vs Brokers: Key Differences Explained<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When securing an insurance policy, there are generally two ways to do it: through an agent or through a broker like<\/span><a href=\"https:\/\/www.pacificprime.co.th\/\"><span style=\"font-weight: 400;\"> Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\">. The main difference between the two is that an agent represents an insurance company and a broker represents you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><b>Who They Represent<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><b>Your Options<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><b>Their Goals<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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&#8217;s goal is to persuade you to purchase an insurance policy from the company they represent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><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><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>How much does health insurance cost in Thailand for expats?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In Thailand, a health insurance plan costs USD $4,695 for individual plans and $11,683 for family plans. If you\u2019d like to learn more about health insurance premiums in Thailand and the rest of the world, feel free to download our latest<\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"> <span style=\"font-weight: 400;\">Cost of International Health Insurance Report 2024<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>How is the quality of healthcare in Thailand?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><b>Is health insurance necessary for expats in Thailand?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Health insurance is vital for any expat working in a foreign country; Thailand is no exception. In addition, some visa types in<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/mandatory-health-insurance-for-expats-in-thailand.html\"> <span style=\"font-weight: 400;\">Thailand specify mandatory health insurance requirements<\/span><\/a><span style=\"font-weight: 400;\">. 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.<\/span><\/p>\n<h3><b>What are some common health issues in Thailand?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><b>How do foreigners get healthcare in Thailand?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-72' 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-72-new.css?v1.47' 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-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\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\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The key thing to highlight with Pacific Cross\u2019 health insurance policies is that with just the Standard Extra Plan, you have an incredibly cost-effective plan that gives you access to<\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-thailand-private-hospitals-for-expats.html\"> <span style=\"font-weight: 400;\">top hospitals in Thailand<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/\"><span style=\"font-weight: 400;\">Pacific Prime Thailand<\/span><\/a><a href=\"https:\/\/www.pacificprime.co.th\/insurers\/\"> <span style=\"font-weight: 400;\">partners<\/span><\/a><span style=\"font-weight: 400;\"> 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<\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"> <span style=\"font-weight: 400;\">health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plans that fit your needs and budget.<\/span><a href=\"https:\/\/www.pacificprime.co.th\/contact-us\/\"> <span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for a<\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\"> free quote<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 &#8230;<\/p>\n","protected":false},"author":93,"featured_media":30072,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[1713,208],"tags":[],"class_list":["post-11909","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pacific Cross Thailand Health Insurance for Expats and Travelers (2026)<\/title>\n<meta name=\"description\" content=\"Discover Pacific Cross health insurance in Thailand for 2026, including plan options and benefits for expats and travelers seeking reliable coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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