Ask question

Is it legal to have multiple health insurance policies in Thailand and make claims on them?

health insurance Thailand expats insurance policies claiming insurance deductibles hospital coverage

Aug 15, 2020

4 years ago

ORIGINAL POSTER

I have a question about health insurance.  I'm thinking of taking out a health insurance with a quite high deductible to keep the premium at a reasonable level.  But I already have an insurance with my Thai bank that covers me for up to 50000 per time in hospital. I'm thinking of running both insurances to cover for the big event and for the small event? Has anyone done this? Is it legal?

1,927

views

7

likes

48

all likes

25

replies

1

images

18

users

TLDR : Answer Summary

The discussion revolves around the legality and practicality of holding multiple health insurance policies for expats in Thailand. It's highlighted that while an individual can legally have multiple insurance policies, claiming for the same medical expense from different companies is prohibited. Users share their experiences of having two policies simultaneously to cover different types of situations, such as smaller and larger medical events, and emphasize the importance of not claiming the same expense twice. The topic of health insurance costs and comparisons of different insurance companies is also mentioned.

Tony *****

If you Looking for covid19 insurance or health insurance to apply for visa or Certificate of Entry (COE) please pm me

*************************

Like

Reply

Clark *********

Hi everyone if anyone need a quotation for a health insurance I work for a thai health company insurance, please feel free to contact me directly on messenger

Like

Reply

Neil ***********

am I missing something? I'm currently looking at at yearly coverage both inpatient and outpatient and have numerous quotes with adequate cover approx 3000bht per month....I'm 56

Like

Reply

Tom *******

Good man. Much appreciated. :-)

Like

Reply

Tom *******

I’m the same age and looking for something similar. Pls let me know now you get on. Thanks.

Like

Reply

Neil ***********

I'm currently scrutinizing the numerous qoutes I've got from all the companies ive emaiked. Some have large deductibles some just basic cover. Some inpatient only. Some policies dont raje effect immediately. It's all about personal choice and the extent of the cover needed obviously determines the price. When I know more will send you info. Same same

Like

Reply

Reply to

Neil ***********

Reply

Nic **********

@Neil **********

what’s the name of the company ?

Like

Reply

Reply to

Nic **********

Reply

Kohco *******

@Jean-christophe *****

Like

Reply

Geoff ********

I have had health insurance here with BUPA Thailand ( now called AETNA)for 17 years. I am now 76. Insured IPD for 1 million baht hospital cover per annum. Recently added the required 40,000 baht OPD as dictated by Immigration in order to renew my one year retirement extension. The shocking premium was 207,000 baht !!!!!!! Please dont suggest the Elite Visa Program as I would still need health insurance and I don’t travel in or out of Thailand. No tax deductions available to me. Therefore I would not recommend this company as it is now.

Like

Reply

Geoff ********

Yes. I am aware of that alternative whenever the borders open for exit and Re entry. And yes the new OPD requirement is a joke anyway. AETNA bought in pre existing conditions ( which I don’t have in their IPD policy) and one can only claim something like 1,670 baht per visit up to a total of 40,000 for the year. However at 77 years of age with pre existing conditions, to change insurers would be difficult. Thanks for your reply anyway.

Like

Reply

Roy ***********

Ridiculous amount. I hope you find a better/cheaper solution soon.

Like

Reply

Reply to

Roy ***********

Reply

Ivan ************

Sloman when borders open you can change to an O which doesn't need insurance. Health insurance is still advisable as you say but you can then choose whichever policy including from international insurers, and ditch the OPD cover if you feel you can cover that out of pocket.

Like

Reply

Reply to

Ivan ************

Reply

Eddie *******

How much is your policy?

I just got an excellent policy that covers $1 million usd total payout.

I can use all over se asia and 7 weeks per visit to the west.

$1400 per year is my premium. After looking at what was available and what was the payouts i got the above.

Oh. And i can pay monthly at no extra cost.

Like

Reply

Jonas *************

What insurance is this? Normally I travel 1 month here, one month here, and most insurance doesn't cover travelers webinar don't go home after "each" trip.

I'm ok with a single total.1Mthb isn't much so 1Musd total sounds fine.

I don't need cover for small stuff.

No, won't give anyone "my contact info for personal quote". Lol

Like

Reply

Eddie *******

@Jonas ************

i will pm you with his contact info shortly.

Like

Reply

Reply to

Eddie *******

Reply

Zabel ******************

Always thought the only thing a Somchai needs is some Lucky Buddha amulet's around the neck 😉

Like

Reply

Zabel ******************

let me say it on this way the insurance is my amulet every time in my lifetime where shit has happen then it's almost been when i didten had insurance so i pay with a smile

Like

Reply

Brett *********

@Zabel *****************

try getting a certificate for that to cover the government requirement.

Like

Reply

Zabel ******************

@Brett ********

I understand that I'm personally covered true my insurance

Like

Reply

Brett *********

@Zabel *****************

so you don't need an amulet?

Like

Reply

Reply to

Brett *********

Reply

Helena ********

I have done it and it's legal

Like

Reply

Austin *********

I think you can have 2 policies, when u file a claim, make sure that you are not reimbursed for the same expense. Check the fine.print it may say which policy will.cover and how much. But never never get paid for the same expense. U.spend 1000€ and get paid 1000€ plus or twice.

Like

Reply

Brett *******

I run 2 policies to cover different issues. No problem.

Like

Reply

Stuart *********

You can have as many insurance policies as you like and all completely legal. Claiming for something from more than one company would be where issues would become murky.

Like

Reply

Nick ************

I would suggest that you could pay for as many insurance policies as you like but you would be breaking the law if you claimed for the same thing off more than one.

Like

Reply

Reply to

Nick ************

Reply

Thai Visa Advice and Everything Else

... members · 60% approval rate

The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.

Thai Visa Advice and Everything Else

View the Conversation

Thai Visa Advice and Everything Else

What experiences have people had with AIA accident insurance claims in Thailand?

5 comments

3 months ago

What are the options and considerations for insurance when living or traveling in Thailand?

185 comments

3 months ago

What are the best health insurance options for expats living in Thailand?

15 comments

4 months ago

What health insurance options are available for expats in Thailand?

75 comments

5 months ago

What are the best health insurance options for expats living in Thailand?

25 comments

5 months ago

What are some recommended health insurance companies in Thailand for expats?

23 comments

8 months ago

What are some recommended health insurance options for expats moving to Thailand?

73 comments

8 months ago

Is buying medical insurance in Thailand a good idea for expats?

14 comments

9 months ago

What is the best medical insurance option for expats in Thailand?

29 comments

9 months ago

What are cost-effective health insurance options for expats in Thailand, particularly for retirees?

29 comments

a year ago

What should I consider when getting health care insurance with pre-existing conditions in Thailand?

28 comments

a year ago

What should expats know about health insurance in Thailand?

22 comments

a year ago

What are the best medical insurance companies in Thailand for expats?

16 comments

2 years ago

Should I self-insure for medical expenses when moving to Thailand with pre-existing conditions?

25 comments

2 years ago

What are affordable medical insurance options for retirees over 70 in Thailand with preexisting conditions?

30 comments

2 years ago

What are the best annual health insurance options for expats aged 60 to 80 in Thailand?

17 comments

2 years ago

Will two separate health insurance policies cover the gap for my non-immigrant O A visa in Thailand?

3 comments

3 years ago

What are people's experiences with foreign health insurance for expats in Thailand?

12 comments

3 years ago

Can I extend my health insurance while already in Thailand for a visa extension?

28 comments

3 years ago

Is 1.75 million THB medical cover sufficient for my Thai Pass, and can I have multiple insurance policies?

11 comments

3 years ago

What are some recommendations for health insurance plans for expats living in Thailand?

23 comments

3 years ago

What are the options for Life/Health Insurance for expats living in Thailand?

16 comments

4 years ago

What insurance options are available for medical treatment in Thailand for expats?

41 comments

4 years ago

What are some recommended health insurance companies in Thailand for expats?

58 comments

4 years ago

What Are the New Health Insurance Requirements for Expats in Thailand?

2 comments

5 years ago

Data protection policy Terms and conditions Disclaimer Privacy policy Refund policy

The asq:thailand community, consisting of multiple Q/A groups with over 100,000 members, powers this platform. It is not an official government resource. Our members actively contribute to this resource, and while we strive for accuracy, we cannot guarantee its complete reliability. Assistance to travelers is provided as a community service.