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What are some affordable health insurance options for digital nomads in Thailand?

Health Insurance Digital Nomad Thailand Insurance Global Health Insurance Expat Insurance Safety Wing Comparative Analysis of Insurance Insurance Brokers

Sep 6, 2025

3 days ago

Successful***********

ORIGINAL POSTER

It's a little off topic but I guess most of us use health insurance as a part of digital nomading life.

For last 2 years I've been using Safety Wing (Vumi insurance) and I had a feeling I'm overpaying due to using third party but turns out that for circa $1500 it's very good insurance compared to buying directly from insurers like AXA, Allianz etc.

While in most cases inpatient it's decent (but still below Safety Wing), outpatient benefits are negligible basically while it's $5000 on Safety Wing policies which can cover few serious tests like MRI, PET if necessary without overnight stay in hospital.

What's your experience with global health insurances? Any reasonable offers on the market below $1000 without losing most benefits from Safety Wing? Do you read T&Cs or just buy whatever and hope for the best? 😁

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TLDR : Answer Summary

The discussion revolves around health insurance options for digital nomads, particularly in Thailand. The original poster shares their experience with Safety Wing (Vumi insurance), comparing its benefits and costs against other insurers like AXA and Allianz. They seek suggestions for global health insurance plans costing under $1000 that maintain valuable benefits. Comments provide insights into various insurers like AIA, True Traveller, Genki, and Cigna Global, along with recommendations to use comparison tools or consult licensed brokers like Pacific Prime Brokers.

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Shane ********

You can compare health insurance options around the world with this tool from Insurance Reviews Asia

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Successful***********

ORIGINAL POSTER

Thank you. Good website. There are comparable insurances for the price of Safety Wings but still it wins in some cases.

I think I compared enough offers for now and turns out they don't rip me off, haha, and it's just optimal deal for the price and that's what I have to pay to to be well covered.

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Successful***********

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Ricky ********

Beat speak to a licensed broker in Thailand. Pacific Prime Brokers are very well known

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Marie ************

I’ve heard some staying in Thailand use AIA, and I haven’t got to researching them yet, but planning to.

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Robert *********

@Marie ***********

My wife is a senior AIA agent, but it is not available to DTV holders unfortunately

However we have several other options we can show you as well.

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Affordable Health & Life Insurance in Thailand | Thai Health Services - AIA Authorized Agent

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Marie ************

@Robert ********

I wondered about that. Who is eligible for AIA?

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Marie ************

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Sweet *****

Try Genki

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Successful***********

ORIGINAL POSTER

Compared and it's $70 more for me per month and it's not really better in my case and needs.

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Blake ***********

Cigna Global but I used them for catastrophic type coverage

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Anonymous ******************

@Blake **********

how much is it per month?

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Blake ***********

Anonymous participant 804 it’s around $100 or so for me but only covers medical expenses over $10k from what I remember so pretty much 99 percent of the time would be paying out of pocket but better than nothing or ended up with a 100k bill in a medical emergency

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Blake ***********

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Anonymous ******************

Wow, wasn't safety wing a low budget thing for backpackers for 40€ per month?

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Successful***********

ORIGINAL POSTER

Anonymous participant 777 Thing of the past but still present.

Essential is not a medical insurance but like accidents and sudden illness coverage, that's it. If you develop cancer or long term disease of any kind, you have a big problem and financial burden.

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Successful***********

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SuccessfullinMalaysia Essential plan is not for living abroad but okay if you still have access to public hospitals when you come back to your country. I don't.

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Sander **********

Anonieme deelnemer 777 its still like that

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Sander **********

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Alessandro ***********

I find true traveller to be excellent.

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Successful***********

ORIGINAL POSTER

@Alessandro **********

This is travel insurance. Not health insurance.

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