Expats in Thailand: How to get affordable expat health insurance

Moving to a new country is an exciting adventure, and Thailand offers a tropical climate, great food, and friendly people. However, there are some things you should consider before relocating. For example, many ex-pats fail to consider the cost of health care in Thailand. Without adequate insurance, you could be faced with eye-watering medical bills!

Learn more about health insurance for expats in Thailand here…

How to avoid hidden medical costs when moving abroad

When moving abroad, it’s important to have health insurance. However, many ex-pats don’t realize just how much they could save by choosing the right policy. Let’s take a look at some of the hidden medical costs in Thailand and what you can do to avoid them.

Health Insurance for Expats in Thailand – Why you need it

You’re in Thailand, but you’re not covered by your home country’s health insurance.

You’re in Thailand and you’re not covered by your employer’s health insurance.

You have moved to Thailand and are not covered by your spouse’s health insurance.

Your children are going to be studying abroad starting next year—you want to make sure they are protected from any possible medical emergencies while they are abroad.

Maybe you’ve been living overseas for years now, but don’t have the resources or time to apply for local health coverage yet; this is something you want to start planning for as soon as possible!

What Thai health insurance covers

The first thing to look for in a Thai health insurance policy is coverage of hospitalization and surgery. It’s also important that the policy covers outpatient treatment, which is usually cheaper than hospitalization but still necessary. Many ex-pat health insurance policies include coverage of pre-existing conditions, which means you won’t have to pay extra for any medical issues that existed before you moved to Thailand. Pregnancy and mental health are also important considerations when choosing a Thai health insurance plan, as they could lead to additional expenses or even repatriation in the event of an emergency.

In-patient vs out-patient coverage

In-patient coverage is when you are admitted to a hospital, while out-patient coverage is when you are not. In Thailand, the most common reason for in-patient care is childbirth. When choosing your health insurance policy, it’s important to know that in-patient coverage is more expensive than out-patient insurance.

You can add additional services and features if needed by purchasing them separately from the basic package. Some expats opt for adding on dental insurance and outpatient coverage but they aren’t necessary unless they have specific needs that need special attention and treatment (e.g., dental problems).

Pre-existing conditions and pregnancy cover

Pregnancy is a pre-existing condition. If you’re pregnant and your health insurance company doesn’t cover it, they’ve just denied you coverage—even if they’re paying for everything else. They can do this because pregnancy is considered a pre-existing condition.

It doesn’t have to be that way though! Some expat health insurance plans offer pregnancy cover as part of their basic package, while others will only provide the coverage if you meet certain conditions (e.g., being married or having been on the plan for at least 6 months).

Which is the best ex-pat health insurance company?

As an expatriate, you have to deal with many different things. For example, buying a car and getting insurance for it can be difficult if you don’t know what kind of coverage you need or where to go. It’s important to know that many companies offer the same policies just at different prices. The best way to find out which one is right for you is by comparing the prices between them all.

Mister Prakan offers a great comparison tool with all of the best companies providing insurance in Thailand in one place.

Expats in Thailand can get affordable health insurance and save money on huge medical bills.

Expats in Thailand can get affordable health insurance and save money on huge medical bills. In fact, the best coverage at the best price is available to ex-pats in Thailand through AIA International Health Insurance.

If you’re an ex-pat living in Thailand, you may be wondering how much health insurance costs and which company offers the best coverage at a reasonable price. There are many options for expats to choose from when it comes to choosing an international health insurance plan: AIA International Health Insurance has been serving expatriates for over 50 years, providing them with comprehensive protection for their needs abroad.

It’s more than just having access to a local doctor or hospital; it’s also about getting quality treatment before traveling back home (if necessary). By arranging an appointment through one of our preferred providers at home or abroad, we make sure that you receive top-notch care wherever your travels take you!


Moving abroad can be a scary prospect, but there are ways to make it easier. Having the right coverage for when you need it is just one of those ways. Hopefully, with this information under your belt, you’ll feel more confident when making decisions on the type of health insurance plan that’s right for you and your family.

Compare Insurance Providers in Thailand

About Jill Nelson

Jill first came to Thailand 20 years ago as a medical tourist to receive treatment for breast cancer. After four more visits, she decided to make Thailand her home and now enjoys reading and occasionally writing blogs during her retirement with her husband in Chiang Mai.

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