{"id":12139,"date":"2026-07-08T21:25:44","date_gmt":"2026-07-08T13:25:44","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=12139"},"modified":"2026-07-08T23:56:04","modified_gmt":"2026-07-08T15:56:04","slug":"thailand-insurance-companies-top-thailand-companies-for-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-companies-top-thailand-companies-for-expats.html","title":{"rendered":"Optimum Global Insurance for Expats &#038; Travelers in Thailand in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Optimum Global is an international medical insurance specialist providing comprehensive coverage and personalized service to expats and travelers in Thailand. With headquarters in the UK, Optimum Global is regulated by the country\u2019s Financial Conduct Authority (FCA).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Catering to expats, solo professionals, families, remote employees, digital wanderers, regular voyagers, and other globally minded individuals in <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-in-thailand.html\"><span style=\"font-weight: 400;\">Thailand<\/span><\/a><span style=\"font-weight: 400;\"> and beyond, <\/span><b>Optimum Global offers a wide variety of insurance plans aimed at providing exceptional and tailored healthcare solutions.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll divulge everything you need to know about the insurer and its offerings, as well as why it may be a better idea to secure <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\"><span style=\"font-weight: 400;\">insurance solutions<\/span><\/a><span style=\"font-weight: 400;\"> \u2014 including those from Optimum Global \u2014 via a broker like us.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><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>Services Offered by Optimal Global Insurance in 2026<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-30503 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-walking-near-a-brown-heritage-building-in-phra-nakhon.webp\" alt=\"Image of Visitors Walking Near A Brown Heritage Building In Phra Nakhon with text overlay of &quot;Services Offered by Optimal Global Insurance in 2026&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-walking-near-a-brown-heritage-building-in-phra-nakhon.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-walking-near-a-brown-heritage-building-in-phra-nakhon-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-walking-near-a-brown-heritage-building-in-phra-nakhon-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-walking-near-a-brown-heritage-building-in-phra-nakhon-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/visitors-walking-near-a-brown-heritage-building-in-phra-nakhon-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In addition to offering international private medical insurance (IPMI) and travel insurance plans to expats and travelers, Optimum Global Insurance also provides <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/\"><span style=\"font-weight: 400;\">insurance solutions for groups and corporates<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Optimum Global prides itself on the exceptional and personalized service they offer clients. From around-the-clock assistance to seamless enrollment without the need for medical exams and a hassle-free claims process, Optimum Global strives to enhance its clients\u2019 insurance experience.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is the full list of services offered by Optimum Global:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Immediate cover<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seamless enrollment without the need for medical exams\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive protection and no hospital restrictions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multilingual emergency assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24-hour customer support for medical emergencies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy and straightforward claims process, with all claims aimed to be appraised within seven working days.<\/span><\/li>\n<\/ul>\n<p><b>You can also get peace of mind knowing that Optimum Global is regulated by the FCA<\/b><span style=\"font-weight: 400;\">, all of their plans are insured by the AXA Group (which is one of the world\u2019s largest financial services groups), and their systems and databases are compliant with the General Data Protection Regulation (GDPR).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Intrigued by Optimum Global? Use our online quote generator to get a <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">FREE, no-obligation quote<\/span><\/a><span style=\"font-weight: 400;\">. You can get a better idea of the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/thailand-health-insurance\/\"><span style=\"font-weight: 400;\">health insurance landscape in Thailand here<\/span><\/a><span style=\"font-weight: 400;\">. See an overview of the <\/span><a href=\"https:\/\/www.pacificprime.co.th\/insurers\/\"><span style=\"font-weight: 400;\">top insurers in Thailand<\/span><\/a><span style=\"font-weight: 400;\"> if you\u2019re still unsure.<\/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<h2><b>Optimum Global Insurance Solutions for Expats in 2026<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Depending on your needs and budget, you can opt for one of five tiers of coverage at Optimum Global:<\/span><\/p>\n<ul>\n<li><b>Emerald<\/b><\/li>\n<li><b>Sapphire<\/b><\/li>\n<li><b>Ruby<\/b><\/li>\n<li><b>Jade<\/b><\/li>\n<li><b>Diamond<\/b><\/li>\n<\/ul>\n<p><b>If you\u2019re an expat living and working abroad in Thailand in 2026, it\u2019s a good idea to consider an international health insurance solution like the one offered by Optimum Global.<\/b><span style=\"font-weight: 400;\"> You\u2019ll get peace of mind knowing that you\u2019ll get top-quality healthcare wherever you are\u2014be it in Thailand or overseas.\u00a0<\/span><\/p>\n<h3><b>Optimum Global Insurance Emerald<\/b><\/h3>\n<p><b>Pearl plans have an annual limit of USD $1,000,000 (THB \u0e3f33,355,000).<\/b><span style=\"font-weight: 400;\"> Pearl plans cover inpatient hospital costs, including, but not limited to, cancer treatment and kidney dialysis. Pre- and post-hospitalization expenses and medical evacuation costs are covered, but not outpatient benefits.<\/span><\/p>\n<h3><b>Optimum Global Sapphire<\/b><\/h3>\n<p><b>Sapphire plans have an annual limit of USD $2,000,000 (THB \u0e3f66,710,000).<\/b><span style=\"font-weight: 400;\"> On top of all the benefits Pearl plans offer, Sapphire plans cover home nursing and complications related to maternity (this isn\u2019t the same as maternity coverage, which is a rider or optional extra that is not covered).<\/span><\/p>\n<h3><b>Optimum Global Ruby\u00a0<\/b><\/h3>\n<p><b>Ruby plans have an annual limit of USD $3,000,000 (THB \u0e3f100,065,000).<\/b><span style=\"font-weight: 400;\"> On top of all the benefits that Sapphire plans offer, Ruby plans cover general practitioner (GP) consultations and alternative medicine. Another key difference is that riders, like maternity and dental coverage, are provided.<\/span><\/p>\n<h3><b>Optimum Global Jade\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Jade plans are exactly the same as Ruby plans in terms of the benefits provided. <\/span><b>The only difference is that the annual limit is higher at USD $5,000,000 (THB \u0e3f166,775,000).<\/b><span style=\"font-weight: 400;\"> It is for individuals who want the increased peace of mind from the higher coverage and don\u2019t mind paying extra for this.<\/span><\/p>\n<h3><b>Optimum Global Diamond<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Diamond plans are the same as Ruby and Jade plans in the benefits provided. <\/span><b>The only difference is that the annual limit is higher at USD $8,000,000 (THB \u0e3f266,840,000).<\/b><span style=\"font-weight: 400;\"> It is for individuals who want the increased peace of mind from a much higher coverage and don\u2019t mind paying a premium for this.<\/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><b>Optimum Global Insurance Solutions for Travelers in 2026<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Optimum Global travel insurance is offered by Journeyman Services, their third-party partner. You can choose from single-trip or annual multi-trip coverage, as well as worldwide or worldwide excluding USA, Canada, and the Caribbean coverage. Winter and adventure sports are also covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re planning to travel to Thailand, securing travel insurance is worth it. This allows you to travel without worrying about the financial consequences of getting sick or having an accident. Trip cancellations, travel delays, lost or stolen bags, and personal liability are also covered.\u00a0<\/span><\/p>\n<h2><b>Why You Should Use a Broker for Your Time in Thailand<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Working with a broker like Pacific Prime as opposed to securing a plan from Optimum Global directly means that you\u2019ll get 100% impartial advice on whether or not an Optimum Global plan meets your needs. Other reasons include our expat-focused customer service and localized support.<\/span><\/p>\n<h3><b>Get the Best Plan for Your Needs with a Broker<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Given that Pacific Prime works with many <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">global insurers<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.co.th\/insurers\/\"><span style=\"font-weight: 400;\">Thailand-specific insurers<\/span><\/a><span style=\"font-weight: 400;\">, we have access to the full range of market options when recommending to you an insurer and plan. This means that you\u2019ll be more likely to get a plan that meets your needs, from Optimum Global or another insurer.\u00a0<\/span><\/p>\n<h3><b>Benefit From Expat-Focused Value-Added Services\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As Pacific Prime was founded on the mission to simplify insurance for expats, we provide dedicated expat-focused support services. Whether it\u2019s through hiring expat, multilingual advisors or helping clients navigate the local healthcare landscape in Thailand, you\u2019ll be in safe hands.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s the full range of value-added services you\u2019ll get through working with us:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You won\u2019t need to scour the web for insurer quotes, as you can <\/span><b>easily generate quotes from multiple insurers<\/b><span style=\"font-weight: 400;\"> using our handy online <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">quotation tool<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019ll get to work with <\/span><b>expat advisors like yourself who understand your challenges and speak your language<\/b><span style=\"font-weight: 400;\">, which means they\u2019ll be better placed to help you.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You <\/span><b>won\u2019t need to worry about the nitty-gritty of insurance <\/b><span style=\"font-weight: 400;\">and can benefit from help with form filling, insurer liaisons, <\/span><a href=\"https:\/\/www.pacificprime.com\/claims-center\/claims-forms-for-thailand\/\"><span style=\"font-weight: 400;\">claims submission<\/span><\/a><span style=\"font-weight: 400;\">, plan renewals, and more.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You\u2019ll have <\/span><b>on-hand help whenever you need it<\/b><span style=\"font-weight: 400;\">. For example, recommendations for the best hospitals in a given place.\u00a0<\/span><\/li>\n<\/ul>\n<h3><b>Pay Competitive Premiums\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You can rest assured that the premiums we quote you are competitive and in line with what insurers will offer you. This is because insurers tend to work with third parties like brokers to help them sell their products and prefer to avoid providing any discounts to clients who come to them directly.\u00a0<\/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<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>What is the difference between international health insurance and regular health insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">International health insurance is designed to provide coverage for medical care in many different countries, though plans can differ in their areas of coverage. In contrast, regular health insurance is domestic-focused and tends to only cover medical care in a single country.<\/span><\/p>\n<h3><b>Who is the target market for international health insurance plans?\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The target market for international health insurance plans is expat individuals and families who travel, live, and work in multiple countries. This enables them to globetrot without worry as they have access to high-quality healthcare in their country(ies) of destination.<\/span><\/p>\n<h3><b>Do international health insurance plans cover pre-existing conditions?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Some international health insurance plans do cover pre-existing conditions, while others exclude them. Those that do may also attach a waiting period or premium loading to the plan, so it\u2019s important to read the policy details carefully.\u00a0<\/span><\/p>\n<h3><b>Is emergency medical evacuation covered under an international health insurance plan?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Emergency medical evacuation is covered under the majority of international health insurance plans. With that said, the extent of coverage and specifics may vary between providers and plans. Make sure you read the policy details carefully to find out.\u00a0<\/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><b>Conclusion\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Whether it\u2019s the Emerald, Sapphire, Ruby, Jade, or Diamond plan, Optimum Global has many different tiers of coverage to suit expats\u2019 needs. Its multiple plan options, coupled with its personalized service, make Optimum Global an excellent choice.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead of getting in touch with Optimum Global directly, why not secure a plan through Pacific Prime? We have over 25 years of experience as a broker and can help you compare plans, provide impartial advice and 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;\">, as well as support and assistance throughout your insurance journey.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019re also more than welcome to reach out to a member of our team if you have any questions or concerns. We\u2019ll not only advise you on Optimum Global plans, but will also let you know your other options in the market, such as, but not limited to, plans from <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-now-health-international-insurance.html\"><span style=\"font-weight: 400;\">NOW Health<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-thailand-insurance-company-william-russell.html\"><span style=\"font-weight: 400;\">William Russell<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\"> to get started today!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Optimum Global is an international medical insurance specialist providing comprehensive coverage and personalized service to expats and travelers in Thailand. With headquarters in the UK, Optimum Global is regulated by the country\u2019s Financial Conduct Authority (FCA). Catering to expats, solo professionals, families, remote employees, digital wanderers, regular voyagers, and other globally minded individuals in Thailand &#8230;<\/p>\n","protected":false},"author":63,"featured_media":30502,"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":[1713,208],"tags":[],"class_list":["post-12139","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 v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Optimum Global Insurance For Expats &amp; Travelers In Thailand in 2026<\/title>\n<meta name=\"description\" content=\"In 2026, Optimum Global provides comprehensive international health insurance for expats, travelers, and families in Thailand and worldwide. Learn more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/thailand-insurance-companies-top-thailand-companies-for-expats.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Optimum Global Insurance For Expats &amp; Travelers In Thailand in 2026\" \/>\n<meta property=\"og:description\" content=\"In 2026, Optimum Global provides comprehensive international health insurance for expats, travelers, and families in Thailand and worldwide. 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