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What are the best health insurance options for expats moving to Thailand?

Health Insurance Thai Health Insurance Expat Life in Thailand International Coverage Insurance Companies in Thailand Pacific Cross Aetna AXA Luma Health ACS Insurance Allianz Travel Insurance Motorbike Accident Coverage

Jan 7, 2022

3 years ago

Piero ************

ORIGINAL POSTER

I'm looking for recommendations on health insurance company. I'm moving to Thailand in 3 months and will stay in Thailand most of the year. 

For those of you who live in Thailand most of the year, what company offers the best package and premiums?  

I'm not looking just for the lowest premium.  I'm also looking for a company that has a good reputation for honoring their policy when problems do happen.

Since I will be going back to Canada most summers to visit family, I would also need a company that offers international coverage (i.e. Thailand, Canada, and other Asian and European countries that I might travel to).

Do any of you have a similar situation in terms of health insurance requirements? 

Thanks for your help and suggestions.

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TLDR : Answer Summary

The community discusses various health insurance options available for expats moving to Thailand, emphasizing the need for comprehensive coverage, especially for those who often travel between Thailand and other countries like Canada. Recommendations include companies such as Pacific Cross, Aetna, AXA, Luma Health, and ACS Insurance, with insights on their premiums, coverage options, and customer service experiences. Many respondents suggest consulting insurance agents or using specific online services for tailored advice based on individual needs.

Kathy ***********************

From my experience (I did a research for my expat boss who travelled a lot before), I would recommend “Luma” since they offer plan(s) that covers other countries as well if I recall it right.

Anyway best is to reach out to Darren at

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since he can give you comparison of different policies/companies and help suggest which one is most suitable for your situation.

He is a health insurance consultant who my boss used the service when living in Thailand. Very professional guy with lots of experience and knowledge. Definitely one of the best in Thailand.

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Patrick ********

Je suis en Thaïlande et j'ai pris ALLIANZ. MAIS EN FRANCE 19.EUROS 27 CENTIMES PAR MOIS .ASSURER POUR 150.000 EUROS

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Joe *********

I’m looking for something similar,9 months in Thailand/3 months in U.K. all comments/recommendations very appreciated.

AXA have been mentioned

Regards to all in the group

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Daniel *******

Hard to contact them in a case you need anything. I believe that communication should be rather priority

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Joe *********

@Daniel *******

Hello Mr could you tell me more please. Regards

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Daniel *******

AXA is a trash

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Daniel *******

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Geoff ********

I would not recommend AETNA.

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Brian ***********

My wife and I are with Pacific cross. She broke her leg just over a month into the policy and they were very good considering we went to two hospitals, all covered on the policy was paid in full. She had her hip joint replaced 🙂

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Brian ***********

Highly recommend Jamie Edwards in Phuket he is a great guy who works for pacific cross

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Brian ***********

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David *******

World wide .It’s expensive.

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Frank ********

My french insurance April Covers 8 countrys: for me Thailand, Germany... (April MyHealth International Essential).

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Sid *******

Pacific Cross is great to deal with. Their card is always accepted at Thai Hospitals and they also offer International Plans.

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Lisa ********************

Email:

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If you want cover for motorbike accident included, choose Axa or ACS.

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Rob **********

I use Pacific Cross, they have numerous packages to pick from, premium is very competitive and they also offer a no claim bonus each year you don’t claim. Have a look at their website, their head office is in Bangkok.

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Keith ******

Following! I plan to live there (Nakhon Pathom) next year.

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Xaynaly **************

I recommend

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Xaynaly **************

@Lisa *******************

that is for travel insurance called Luma Thailand Pass. However you can ask their consultants for health insurance plans that covers motorbike accidents as well such as Asia Care Plus.

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Lisa ********************

@Xaynaly *************

luma great for Covid cover, but does not cover motorbike accidents

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Lisa ********************

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Gerry ********

I chose ACS annual policy.

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Lisa ********************

me too.

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Lisa ********************

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Gerry ********

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Gerry ********

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Michael *********

Stay away from pathetic cross

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Piero ************

ORIGINAL POSTER

@Michael ********

: Do you mean Pacific Cross? Did you have bad experiences with them? If so, what kind of problems?

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Piero ************

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Michael ******

Thai health

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John *****

Aetna

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Andy *******

Contact my agent,

, best in the business

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Andy *******

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