Health insurance for Expats in Thailand

How do insurers treat pre‑existing conditions?

Possibly — but only if the insurer’s policy, underwriting and waiting‑period rules allow it; many policies exclude or limit pre‑existing chronic conditions unless declared and accepted.

How does maternity coverage work?

Most Thai and international health plans impose a 10–12 month waiting period for maternity benefits; pregnancies existing before policy start are excluded and claims during the waiting period are denied.

Insurance for O‑A long‑stay retirees

Typical minimums are 40,000 THB outpatient and 400,000 THB inpatient for many Thai long‑stay visas, but check the specific Thai embassy/consulate or Immigration Bureau requirements for your visa.

Local vs. international expat insurance - which to choose?

Pick Thai insurers for lower-cost, local hospital access and easier billing; pick international plans for portability, global cover and evacuation—compare quotes, direct-billing and evacuation limits before deciding.

Travel insurance vs. expat health plan

No — travel insurance is inadequate for long‑stay residency in Thailand; get international expat or approved local health insurance for continuous, visa‑compliant coverage.

What’s the difference between inpatient and outpatient cover?

Deductibles and co‑pays - how do they reduce premiums?

For cars: 3,000–5,000 THB is a practical deductible; motorcycles 1,000–3,000 THB. For health, choose <10,000 THB if you expect frequent claims; otherwise higher to cut premiums.

Do I need a network hospital?

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.

How do I file a claim in Thailand?

Insurers usually want ID, proof of address, ownership documents (vehicle registration for motor), and policy‑specific medical or licence documents; expatriates should also provide visa/work permits.

Are there age limits or medical checks?

Seniors can buy new private health cover in Thailand but options shrink after about age 70–80, with exclusions, waiting periods, and higher premiums; check visa rules and confirm lifetime renewal terms.