Most affordable local option
Annual Premium
From 15,000 THB
Coverage
IPD 500K, OPD limited
Hospital Network
Major Thai hospitals
Pre-existing
12-month waiting
Age Limit
Up to 70
Comprehensive international coverage
Annual Premium
From 40,000 THB
Coverage
IPD 5M+, OPD 100K
Hospital Network
Bangkok Hospital, private hospitals
Pre-existing
24-month waiting
Age Limit
Up to 75
Worldwide coverage, evacuation included
Annual Premium
From 60,000 THB
Coverage
IPD 10M+, OPD included
Hospital Network
Global network, all Thai private hospitals
Pre-existing
Case by case
Age Limit
Up to 80
For legal workers only
Annual Premium
~9,000 THB (5% of salary)
Coverage
Full coverage at assigned hospital
Hospital Network
Assigned government hospital
Pre-existing
No waiting
Age Limit
Working age (15-60)
Good value for expats
Annual Premium
From 25,000 THB
Coverage
IPD 2M, OPD 50K
Hospital Network
Most private hospitals
Pre-existing
12-month waiting
Age Limit
Up to 65 (new policy)
World Nomads
From 1,500 THB/weekMedical + adventure sports
Best for: Active travelers, backpackers
SafetyWing
From 1,200 THB/weekMedical + travel delays
Best for: Digital nomads, long-term
Allianz
From 2,000 THB/weekComprehensive + baggage
Best for: Families, premium coverage
AXA Thailand
From 800 THB/weekMedical + personal accident
Best for: Budget travelers, short trips
Compulsory (Por Ror Bor)
Third-party injury only, up to 500K
300-600 THB/yrClass 3 (Voluntary)
Third-party + your medical
2,000-5,000 THB/yrClass 1 (Comprehensive)
Full coverage including theft
5,000-10,000 THB/yrCompulsory (Por Ror Bor)
Third-party injury only
600-1,000 THB/yrClass 3 (Voluntary)
Third-party damage + injury
5,000-10,000 THB/yrClass 2+ (Popular)
Third-party + own damage (named perils)
8,000-15,000 THB/yrClass 1 (Comprehensive)
Full coverage, all risks
15,000-40,000 THB/yrCondo insurance
2,000 - 5,000 THB/yearCovers: Fire, flood, theft, contents
House insurance
5,000 - 15,000 THB/yearCovers: Structure, contents, natural disaster
Tenant insurance
1,500 - 3,000 THB/yearCovers: Personal belongings, liability
Contact insurer within 24-48 hours
Call hotline or use mobile app. Get claim reference number.
Gather documentation
Police report (if accident), medical records, photos, receipts.
Submit claim form
Fill out claim form with all supporting documents.
Assessment
Insurer reviews claim. May send adjuster for property/vehicle claims.
Payout
Direct payment to hospital or reimbursement within 15-30 days.
Always declare pre-existing conditions -- undisclosed conditions void your policy
Age affects premiums significantly -- buy insurance before age limits apply
Keep policy documents accessible (photo on phone)
For retirement visa (O-A): Health insurance is mandatory (OPD 40K + IPD 400K minimum)
Hospital direct billing saves you from out-of-pocket payment
Read exclusions carefully -- extreme sports, motorbike accidents often excluded
Tourist Police
24/7, English speaking
Emergency / Ambulance
24/7
Bangkok Hospital Pattaya
24/7 emergency
Pattaya Memorial Hospital
24/7 emergency
Insurance information is for guidance only. Always read policy terms carefully before purchasing. Premiums vary by age, health, and coverage level.