TL;DR:Coverage depends on your scheme and the hospital’s status: public schemes cover contracted hospitals, private insurers cover network hospitals (or reimburse after payment); always check your policy’s hospital list and emergency procedures.
Short answer: not automatically. Coverage depends on which insurance you hold and whether the hospital is in your insurer’s network. If you’re a Thai citizen under Universal Coverage or Social Security, you are covered at the registered/contracted public hospitals listed by those schemes (check the Social Security Office or Ministry of Public Health sites). If you have private or international travel/expat health insurance, coverage usually applies only at hospitals that your insurer recognises for direct billing; you can still be treated at any hospital but may need to pay upfront and claim reimbursement later. Emergency care is generally covered but often requires retrospective approval or documentation. Common exclusions: pre-existing conditions, elective/cosmetic procedures, and treatments requiring prior authorisation. What to do: confirm your policy’s hospital/network list, emergency contact/claims procedure, and any required pre-authorisation before treatment. For official details see the Social Security Office (sso.go.th), Ministry of Public Health (moph.go.th), and Thailand’s Office of Insurance Commission (oic.or.th).
Answer will be updated soon