Insurance for Expats in Thailand

Insurance For Expats in Thailand

Expat Life in Thailand

The official name of Thailand is Kingdom of Thailand. In Thai language, it’s called Prathet Thai. The country was known as “Siam” and then it was changed to the current name, “Prathet Thai”, or “Thailand”. Thailand, known for its vibrant culture, stunning landscapes, and welcoming locals, has become a popular destination for expatriates seeking a unique living experience. The country offers a diverse range of attractions, from bustling cities like Bangkok to tranquil beachside towns. Expats in Thailand enjoy a relatively low cost of living, delicious cuisine, and a rich cultural tapestry. 

Thailand is now a premier choice for a large number of retirees who wish to spend their days in warmer climates. With its vibrant culture, picturesque landscapes, and economic opportunities, Thailand beckons expats from around the world. However, while embarking on this exciting journey, one must not overlook the importance of securing insurance for expats in Thailand to ensure a seamless and worry-free stay.

Health insurance in Thailand

Health insurance in Thailand for foreigners is essential to safeguard against any unforeseen medical expenses that may arise during their stay. By investing in expat health insurance in Thailand, expats gain access to quality healthcare facilities and services, enabling them to fully enjoy their newfound home. In accordance with the website Visa Guide World, Thailand is one of the top six countries with the best medical care for expatriates in 2024. While Thailand boasts a well-developed healthcare infrastructure, the system might differ from what you are accustomed to in your home country. Expats often choose to invest in a comprehensive medical insurance in Thailand to ensure they receive top-notch medical care without bearing the exorbitant costs. Get a free quote here.

Before moving to Thailand, most expatriates will need to obtain a visa from the Thai embassy in their country of residence. There are several types of visas for foreigners depending on your profile and the reason for your stay; work, retirement, study, or family reasons. Thailand non-immigrant visas follow categories B, O, ED, OA, IB; LTR; and SMART.

Since September 2022, a five-year long-term resident visa (LTR) renewable once is available for five categories of applicants, including digital nomads and ‘Wealthy Global Citizens’. 

Before relocating to Thailand, expat health insurance is an important topic to research. Expat health insurance serves as a safety net, providing coverage for a wide range of medical services, including routine check-ups, emergency treatments, and even specialized care. This proactive approach ensures that expatriates can navigate the intricacies of the Thai healthcare system with confidence, knowing that their well-being is safeguarded.

It is essential to recognize that not all health insurance plans are created equal. The needs of expatriates can vary significantly based on factors such as age, pre-existing conditions, and the nature of their stay. Tailoring an insurance plan to your unique journey involves a thoughtful consideration of these factors.

Hospitals in Thailand

Thailand is home to both public and private hospitals, both of which are open to expatriates. Thailand citizens are granted free healthcare from the government through public hospitals, meaning these can be overcrowded and have limited resources. 

The private healthcare system in Thailand is respectable and affordable, making it often a hot destination for “medical tourism”. There are excellent international hospitals in Bangkok, but hospitals and clinics outside the main urban areas are not always up to Western standards. Many hospitals require guarantee of payment for bills, which can be expensive and may delay treatment. To avoid such problems, private health insurance is strongly recommended. Health insurance in Thailand designed specifically for expats provides a safety net that covers a range of medical expenses. From routine check-ups to unforeseen medical emergencies, having comprehensive coverage grants you peace of mind. This is particularly significant considering that medical costs can escalate rapidly, especially if specialized treatments or hospitalizations are required. 

A national health insurance system, the Universal Coverage Scheme (UCS) offers free public healthcare through the Ministry of Public Health. Expats working in Thailand are covered by the UCS and their contribution to the scheme is deducted from their salary. Once enrolled in the system, new arrivals are assigned to hospitals where they will receive treatment. Expats are allowed to use public hospitals and will have to pay for services provided upfront regardless of their health insurance in Thailand. 

Private hospitals have better access to medication and equipment, but, certainly, cost more. These are more often the destination of expatriates as the process is more Western-style and many staff members and doctors speak English.

Learn more about Hospitals and Medical Care in Thailand here.

Bangkok Hospital
Bangkok Hospital

Health Risks in Thailand

Thailand, like many tropical countries, has its share of health risks that visitors and expatriates should be aware of. One of the most significant risks is malaria, particularly in areas near the Burmese border. To protect yourself, it is important to take an anti-malarial drug prescribed by your doctor before entering these areas. Additionally, using DEET-based repellent and wearing long sleeves and pants can help prevent mosquito bites.

Another health risk to be mindful of in Thailand is Dengue fever, a virus transmitted by mosquitoes. Unfortunately, there is no vaccine available for this virus. It is crucial to take the same precautions as mentioned above to protect yourself from mosquito bites. Dengue fever poses the greatest risk during the rainy season, which typically occurs from May to October.

By being aware of the potential health risks in Thailand and taking appropriate precautions, such as taking anti-malarial drugs, using mosquito repellent, and obtaining private health insurance, you can help safeguard your well-being while enjoying your time in this beautiful country.

Furthermore, Thailand’s public health system may not meet the standards that some expatriates are accustomed to. Therefore, it is highly recommended for expatriates to obtain private health insurance while residing in Thailand. Due to health risks and the substandard public health system in Thailand, it is essential for expatriates to obtain private health insurance in Thailand. The majority of expats prefer private healthcare for many reasons:

Private Insurance in Thailand

Private hospitals have better access to medication and equipment, but, certainly, cost more. These are more often the destination of expatriates as the process is more Western-style and many staff members and doctors speak English. Private insurance in Thailand plays a significant role in providing individuals and businesses with access to comprehensive healthcare coverage. With a growing middle class and an increasing demand for quality healthcare services, private insurance has become a popular choice for those who seek better medical facilities, shorter waiting times, and personalized care.

Private insurance in Thailand offers a wide range of coverage options, including medical, dental, vision, and even alternative therapies. Individuals can choose from various plans based on their needs and budget, allowing them to customize their coverage to suit their specific requirements. One of the primary advantages of private insurance is the ability to access a broader network of hospitals and doctors. Private hospitals in Thailand are known for their state-of-the-art facilities, experienced medical professionals, and shorter waiting times compared to public hospitals. Private insurance allows policyholders to receive treatment at these private hospitals, ensuring a higher quality of care and a more comfortable experience.

In addition to better access to healthcare services, private insurance also offers additional benefits such as coverage for emergency medical evacuation, overseas treatment, and preventive healthcare services. These additional benefits provide individuals with peace of mind, knowing that they are protected from unexpected medical expenses, both at home and abroad.

While private insurance offers numerous advantages, it is important to note that the cost of coverage can vary depending on factors such as age, medical history, and the level of coverage desired. It is advisable for individuals to carefully compare different insurance providers and their plans to find the most suitable option for their needs.

Furthermore, it is essential to understand the terms and conditions of the insurance policy, including any exclusions or limitations. Some policies may have waiting periods for pre-existing conditions or may exclude certain treatments or procedures. It is crucial to read the policy documents thoroughly and ask questions to the insurance provider to ensure a clear understanding of the coverage and limitations. 

Pros of Private Health Insurance

  1. The quality of care and facilities are usually better,
  2. A wider selection of hospitals to choose from
  3. Shorter waiting times
  4. More English-speaking staff.
  5. As private hospitals often require proof of funds if a patient is not insured, those without international health insurance may face delays in receiving treatment. With expat private health insurance, you gain the privilege of selecting from a plethora of private healthcare providers as well, tailoring your healthcare experience according to your preferences and needs.

i-Brokers provides the experience and knowledge needed to ensure that you find the high-quality coverage you require and have access to the best possible treatment – whenever and wherever it’s necessary. Click here to Get a quote for your medical insurance in 5 seconds

Browse Insurance plans easily with i-Brokers.

Travel insurance Thailand

 Expats embarking on their journey to Thailand can opt for various types of insurance to safeguard their well-being and future. Travel insurance in Thailand is a crucial companion for those with a penchant for exploration. Whether you’re trekking through lush rainforests or visiting serene temples, travel insurance ensures that unforeseen events such as trip cancellations, flight delays, or lost luggage do not disrupt your plans or financial stability. Known primarily for its famous Full Moon parties on the beach and being the top gap year and backpacker destination of the last few years, Thailand has more to offer than neon paint and grass skirts.

Wherever your trip to Thailand takes you, having a great travel insurance policy can give you the peace of mind to enjoy yourself without thinking of the ‘what ifs’. Get a quote for your travel insurance conveniently here. 

With i-Brokers, you have the opportunity to choose your own policy which fits your needs and budget, allowing you to tailor your travel insurance to your budget. Here’s a guide on how to buy travel insurance online. 

Popular benefits for travel cover in Thailand include:

  • Medical Cover
  • Accident Cover
  • Adventure sports, like scuba diving
  • Flight cancelations


travel insurance

Life Insurance Thailand

Expat life insurance in Thailand is something that everyone with a young family should look at. It is often the case that the main income generator for expat families in Thailand is one person so the impact on the family should a death occur to this person is potentially catastrophic. Life insurance in Thailand offers a layer of protection that transcends borders and ensures that your family legacy remains intact, no matter where life’s journey takes you.

Life insurance in Thailand can allow you to cherish your years more easily without the stress brought on worrying about what will happen to your loved ones after your death. Life Insurance in Thailand will bring additional peace of mind as you take on a new life with new challenges to face. One of the remarkable aspects of expat life insurance is its global coverage. Your policy isn’t confined to Thailand; it travels with you wherever you go. This feature holds immense value for those whose lives are characterized by mobility, as it guarantees that your loved ones are shielded from financial hardships, regardless of your location.

Wherever your trip to Thailand takes you, having a comprehensive Life insurance policy can give you the peace of mind to enjoy yourself without thinking of the ‘what ifs’. Get a quote for your life insurance conveniently here. 

With i-Brokers, you have the opportunity to choose your own policy which fits your needs and budget, allowing you to tailor your travel insurance to your budget. Here’s a guide on how to buy life insurance online. 

Life insurance