Is it common to pay the first year's premium upfront for Thai health insurance, and how does the reimbursement process work?

In Thailand, it is common for insurers to require the full year's premium to be paid upfront, especially for expats. While some insurers allow for monthly or quarterly payments, such as AIA, many local companies typically expect annual payment. Regarding incident payment procedures, nearly all insurers require upfront payment for outpatient services and will reimburse afterwards if covered by the policy. It is advisable to consult with a professional insurance broker to get tailored advice on insurance plans available for expats.