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Thailand’s healthcare system is generally of high quality, the Ministry of Public Health’s Department of Medical Services funds state health care. Thai residents with a Universal Coverage Health certificate get treatment entirely free of charge, apart from on Saturdays when a charge is assessed.
Everyone traveling to Thailand must now have health insurance as well as travel insurance that includes $10,000 USD at least in medical coverage or an equivalent amount. Additionally, it must cover COVID-19. The majority of health insurance policies satisfy this criterion.
According to the 2019 edition of Pacific Prime’s Cost of Health Insurance Report, In Thailand, the average IPMI premium for individuals was USD $2,728. This number includes premiums for a range of different plans and coverage criteria, as well as ages.
There are a variety of reasons why medical insurance for foreigners in Thailand is not just a good idea, but a critical one to consider. While hospital care in Thailand is relatively inexpensive in comparison to Western, especially American, standards, any major inpatient treatment, such as surgery or cancer therapy, maybe exorbitantly costly in a top-notch hospital, quickly putting a burden on your resources. Additionally, retired expats must now provide proof of health insurance in order to be eligible for annual retirement extensions.
When you arrive in Thailand for the first time, you may already be covered by comprehensive travel or medical insurance in your country. Expats seeking a long-stay non-immigrant visa (O-A) from their home country must provide proof of health insurance coverage covering the bearer for a minimum of 40,000 Baht ($1340) outpatient and 400,000 Baht ($13,400) inpatient expenses. This coverage may be issued by an insurer in your home country or in Thailand.
However, it is important to remember that once you arrive in Thailand to get your annual extension at an immigration office, it must be from an authorized Thai insurance provider, which is something to keep in mind if you are contemplating buying a new policy before coming.
If you are already in Thailand, the simplest alternative is to see an insurance broker and have them handle all the effort for you; they will call ahead to schedule an appointment and inform you of the papers they need. Every town has an insurance broker, and if you live in an area popular with visitors and expatriates, you should have no trouble finding one who knows English. Alternatively, you may visit the websites of the aforementioned businesses and utilize their online quotation request tool to get a price after entering your information, and then select the one that provides the greatest value. When selecting a policy, use caution and do not immediately choose for the lowest option; instead, carefully read the small print, especially the exclusions. Additionally, examine the insurer’s reputation, since many will do all possible to avoid paying any claim, valid or not. It’s now very simple to do due diligence on businesses, thanks to the popularity of internet review sites.
Health Insurance in Thailand for expats and natives residing in Thailand may include, but is not restricted to the following
It’s critical to examine each policy’s exclusions since the majority of plans include a lengthy list of them in the small “is here mentioned”. And after you have your policy in place, it is critical to constantly be aware of what is and is not covered to avoid financial ruin. Among the most frequent exclusions are the following: