Best expat health insurance for Thailand

There are multiple health insurance options in Thailand, ranging from international policies to local ones designed for expats and long-term residents. Moreover, buying this type of insurance gives you greater financial peace of mind in case of emergencies or major treatments. Thailand is a country known for its paradise beaches, unique culture and affordable cost of living. This makes it an ideal destination for digital nomads, retirees and expats worldwide. However, medical services can be expensive without proper insurance, especially in high-quality private clinics and hospitals.

Throughout this article, we explain the different types of health insurance in Thailand, the profiles of foreigners who need coverage and the best medical insurance plans. If you’re planning a long stay in this country, this blog gives you the essential information to choose the best health insurance and avoid unexpected medical expenses.

Which foreigners need health insurance in Thailand?

Many foreigners need health insurance in Thailand for several reasons, such as the length of stay, access to full medical coverage and visa regulations. Some of the most common profiles of foreigners who usually require health insurance in Thailand are:

• Digital nomads: Thailand is one of the top destinations for remote workers thanks to coworking spaces, low costs and easy internet access. However, digital nomads need health insurance covering emergencies, hospitalisation and basic consultations, as these services can be expensive in the country.
• International students: For those studying at Thai universities or joining exchange programmes, health insurance is essential. Institutions don’t usually cover medical services. Student insurance ensures access to basic services such as consultations, preventive check-ups and emergency care.
• Expats and retirees: Many foreigners choose to live in Thailand long-term or even retire here. This profile requires wide coverage including emergency care, regular treatments and coverage for chronic illnesses. Without health insurance, costs can become significant due to age or the need for constant care.
• Temporary workers: Those with temporary jobs in Thailand, whether in tech, education or hospitality, also need health insurance. In these cases, it’s advisable to choose a policy covering work accidents, hospitalisation and consultations, alongside urgent medical needs.

What types of health insurance work for foreigners in Thailand?

There are several health insurance options in Thailand, each tailored to different profiles and needs. Each type of insurance offers different levels of coverage, allowing foreigners to select the policy that best suits their situation and budget. The main types of health insurance available for foreigners in Thailand are:

1. International health insurance: This type is ideal for those wanting extensive coverage. International health insurance usually offers access to medical services in several countries. It includes a wide range such as consultations, hospitalisation, emergency care and, in some cases, dental or psychological treatment. It’s recommended for digital nomads, executives and expats who benefit from a complete, flexible policy that may also cover chronic conditions.
2. Local health insurance: These plans only cover medical services within Thailand. They’re cheaper than international policies and provide coverage in public hospitals and, sometimes, private clinics. This type of insurance suits expats and retirees who plan to live in Thailand permanently, without travelling abroad. Local policies usually cover consultations, hospitalisation and some preventive exams, although coverage for expensive treatments or complex illnesses may be limited.
3. International student health insurance: Designed for those studying in the country, whether for one semester or several years. These student health insurance plans in Thailand are more affordable and provide basic coverage such as emergency care, regular consultations and dental coverage.
4. Specific insurance for expats and retirees: This type targets older people. It includes coverage for chronic illnesses, medical care, regular check-ups and hospital stays. Moreover, some plans offer home medical assistance, which is useful for those needing continuous care. Although these policies can be more expensive, they’re the best option for older foreigners seeking comprehensive protection.

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

How much do healthcare services cost in Thailand?

Healthcare service fees in Thailand are relatively low compared to other countries. This applies especially in the public sector, although private clinics and hospitals can be more expensive. These fees reflect an average of prices in medium to high-quality hospitals and clinics. Having health insurance in Thailand is important to reduce these costs, particularly for more expensive services like hospitalisation and surgery. Below, we provide a table with approximate prices of some common medical services.

Healthcare service fees in Thailand.

Healthcare service fees in Thailand.

The 5 best health insurance plans in Thailand for foreigners

Choosing health insurance as a foreigner is essential, given the range of healthcare services and varying treatment costs. Below, we review five of the best health insurance options in Thailand, their coverage, plans and prices, considering the frequent needs of those living temporarily or permanently in the country. These insurance providers offer different coverage levels and prices, adapted for foreigners staying in Thailand for six months, one year or more. Some also include additional coverage for specific conditions.

1. Cigna Global

Cigna Global Health is recognised for its flexibility and comprehensive coverage. It provides expat plans covering general consultations, hospitalisation, emergency care, specialities and certain dental treatments. This health insurance in Thailand is ideal for those wanting complete coverage, including access to top-tier hospitals and clinics.

• Plans and prices: Prices range from $100-300 (€92-276) per month, depending on plan and coverage level. For longer stays, Cigna Global offers annual payment options with discounts and personalised add-ons.
• Excluded coverage: It doesn’t include treatment for pre-existing conditions unless you choose a higher plan. It often excludes work or traffic accidents unless extra coverage is specified.

2. Allianz Care

Allianz Care is a health insurance in Thailand offering a range of policies designed for expats and international travellers. It provides services from basic consultations and hospitalisation to emergencies and surgeries. Allianz plans also include access to private hospitals and clinics, ideal for those seeking high-quality services and broad coverage.

• Plans and prices: Monthly fees usually range from $$80-250 (€74-230), depending on the coverage chosen. Allianz plans can include chronic or pre-existing condition coverage, as well as psychiatric and physiotherapy treatments.
• Excluded coverage: Basic Allianz plans often exclude dental care and treatments for psychological conditions. Customers over 65 may also face limitations or extra fees.

3. Aetna International

Aetna International is another strong option for foreigners in Thailand, offering adaptable plans for different profiles, including digital nomads and expats. Coverage includes general care, emergencies, hospitalisation and specialist treatments. It also allows extra benefits like dental coverage and prescription medicine.

• Plans and prices: Aetna monthly fees start around $90 (€83) and can reach $300 (€276), depending on what’s included. It offers customisation options such as pre-existing condition coverage and international services for travellers.
• Excluded coverage: Common exclusions include HIV/AIDS treatments, mental health conditions and accidents from high-risk activities, although some can be added at extra cost.

4. Pacific Cross

Pacific Cross provides health insurance in Thailand for both expats and digital nomads, tailored to the Thai healthcare system. Its plans cover hospitalisation, consultations, emergencies, specialist care and diagnostic tests. It’s popular for its focus on quality services at affordable prices.

• Plans and prices: Monthly costs range between $50-200 (€46-184). Pacific Cross plans may include chronic illness coverage and physiotherapy treatments. Prices are generally lower compared to other international insurance providers.
• Excluded coverage: Some basic plans exclude dental services and mental health care. Coverage for those over 65 often has restrictions on expensive treatments.

5. AXA International

AXA is a health insurance provider in Thailand with strong presence in Asia. Its expat plans cover general care, emergencies, hospitalisation and some also include dental and eye care. It’s ideal for those seeking reliable health insurance with a large network of hospitals and clinics.

• Plans and prices: AXA offers options from $70-250 (€64-230) per month, depending on coverage. It also allows annual payments and provides discounts for long coverage periods in Thailand.
• Excluded coverage: AXA often excludes psychiatric treatments and fertility services. Basic plans don’t include prescription medicine or physiotherapy.

What’s the best health insurance for foreigners in Thailand?

The best health insurance in Thailand for foreigners is Cigna Global Health thanks to its comprehensive coverage and flexibility. This insurance is highly recommended for combining essential cover that meets typical medical needs of expats in Thailand. Its policies include general consultations, hospitalisation, specialties and emergency care. Cigna’s network of clinics and hospitals is extensive, with options in Bangkok, Chiang Mai and other areas where many foreigners live. Moreover, the chance to customise your plan and select additional coverage makes it a practical choice for protecting yourself from unexpected medical costs in a foreign country.

Cigna Global also provides complementary benefits, such as dental care and treatments for chronic or pre-existing conditions, especially useful for long-term stays in Thailand. Another advantage is its annual payment plans which, besides being convenient, offer a discount compared with monthly payments. These policies also include international coverage, ideal for travellers across Asia or those who return regularly to their home countries.

Despite its advantages, some services aren’t included in Cigna’s basic plans, such as mental health care, HIV/AIDS treatments and physiotherapy. However, its ability to adapt to each individual’s needs still makes it the best health insurance in Thailand for foreigners. Although it may cost more than others, it provides the peace of mind and support needed to live in this country confidently, knowing you’re protected against any health emergency. Let’s review its main advantages and disadvantages.

Main pros and cons of the best health insurance in Thailand.

Plans that may interest you

eSIM India

From

$9.90

USD

eSIM South Korea

From

$6.90

USD

Belén Grima

Read full bio

Related reading