Working overseas is always challenging. Expats in Thailand usually choose the best health insurance for expats in Thailand to protect themselves in case they meet emergency cases in health issues. Insurance also makes sure you can get reimbursement for the medical bill.
Why is health insurance in Thailand important? Not all medical services in Thailand use English. With health insurance for expats, you can have insurers have proper consultation about the best provider in this country. Here are the health insurance companies that you can consider.
Options of Best Health Insurance for Expats in Thailand
1. Cigna International Insurance
Cigna has a good reputation on a global scale. If you work in Thailand temporarily, you can consider Cigna International. This company is available in more than 200 countries. Before you go to Thailand, you can enroll in this insurance company. Then, this insurance is active while you are in Thailand.
In this company, you will not find any plans because the insurer will customize your need. The participants will pay differently according to their needs. The more policies they have, the premiums will be more expensive. However, this best health insurance for expats in Thailand standardizes the benefits.
The Thai expats can enjoy deductible options because some expats come to Thailand with their families. Thus, some other benefits of their plan are inpatient care, global health assistance, and mental health care. Cigna also recommends that healthcare provider uses English.
2. Geoblue Insurance
Geoblue insurance is one of the best health insurance for expats in Thailand. The services from policies are excellent and it has a wide range of networks. This insurance is customizable. So, the participants only need to pay the sum of money based on what they need.
Since the plans are tailored for the members, Geoblue gives certain benefits that will apply to all members. With this insurance, you don’t have any waiting periods. Once you visit the healthcare provider, you can immediately enjoy the whole service from them.
For the expatriates in Thailand, you can enjoy the benefits where you can cancel the plan. They won’t charge you with a penalty. Insurance is accessible for most people all over the world who work in this country. There are no special requirements to enroll in this insurance.
3. Global Health Insurance
This company is a big one in Thailand which is under the Foyer Group. For the expatriates who love private service in medical services, you can enroll under Global Health’s policies. Since the premiums are tailored, you will get the best health insurance experience while getting medical treatment in Thailand.
Global Health provides multilingual support, especially those expats who only speak well in English. Customer service is available 24/7 for all members. They will recommend you the best healthcare provider in Thailand for the best experience.
The benefits that you get from this insurance are unlimited possibilities. The coverage limit is set, but there is no annual limit for the coverage. There are three basic plans: essential, special, and exclusive and you can add more add-ons to get the best policies based on what you need.
4. AXA Thailand
AXA has been known all over the world as a trusted insurance company. This company is also available in Thailand and gives the members some special benefits under the policies. AXA provides wide coverage with certain limits. However, most hospitals in Thailand recognize their service.
AXA is also affordable for expats. If you are coming to Thailand as an expatriate but have had AXA insurance before, the foreigners can immediately call the agent for further consultation. The insurance you already have in the previous country can be activated in Thailand.
This insurance company is also helpful for expatriates who bring their families to Thailand. AXA will cover the medical expense. The entry for the age in Thailand now in AXA is 80 years old. You can buy their premium online without meeting directly with an AXA agent.
To enroll under AXA insurance, you have to make sure that the visa you have is the visa for expatriates. Most plans for the expats in AXA have an international exclusive service where the people can enjoy the treatment without a waiting period in emergency cases.
5. Bupa Thailand Insurance
Bupa is one of the leading and best health insurance for expats in Thailand. The offers for the locals and expats under Bupa are the same. All members will get premium experience in medical healthcare. The plans are perfect for individuals, families, and corporate.
For the expats, you can enroll under Bupa International insurance, before or after arrival in Thailand. The insurance policies will be active in the country as soon as you are in this country to work. Bupa is available in Bangkok and you can get further consultation there.
The expatriates who enroll in the Bupa plan can enjoy the service for emergency cases. However, it is another policy that you have to choose before purchasing the plan. Bupa provides low-cost health insurance, so the services will be based on the plans with some limitations and exclusions.
6. Luma Health Insurance
Luma Health Insurance has a special package for expatriates in Thailand. Since they have some limitations, Luma will assist them to get the best medical service in the country. With the insurance, the expats don’t have to worry once they need medical treatment.
The expats who are not self-employed in Thailand will get an insurance budget paid by the company. Luma has this network, so the expats don’t have to worry about the options. Thus, the expatriates also have a chance to renew and customize their plans.
Luma provides a wide range of services. Major accidents, cancer treatments, and surgeries are covered under Luma insurance. This is not only applied to the locals but also to expatriates. Once you need to move out from Thailand, you only need to make a report to the agent for consultation.
The best health insurance for expats in Thailand will provide the expats when they face emergency cases while working in the country. With proper consultation about the expense, the expats could spend less than the bill. It helps them to work healthily and safely in Thailand.
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