What are the best health insurance options for expats with DTV visas in Thailand?

Family of 6. No health insurance. We pay cash for everything. Ran the #s and this makes most sense.

I use Axa , some of the providers won’t accept DTV holders …. I ended up going through a place called

@Insurance ********************************

…. They had several options from a few providers who do accept DTV holders.

I have one year. Backpackers insurance. Way cheaper than the rest.

I use an insurance from my home country. It's way cheaper than the local ones, but also more convenient for me: I can visit any hospital, pay, and they will deposit (refund) the money within a few days in my country bank account. The other day I visited the most famous dental clinic in town (in Hua Hin) and got a 100% reimbursement (I was thinking about a 60-80% maybe).

Beware that some Thai companies would either allow you to go to certains hospitals only, or would require you to have a Thai bank account, which DTVers aren't allowed/supposed to have.

If you plan to stay in Thailand for 1 year or longer, I would recommend Allianz, the world’s No.1 insurance brand. 🌏

I’m an agent who also takes care of clients holding the DTV Visa. There are several plans available with different coverage options and prices.

Feel free to message me for a consultation.

Self insured

Just be aware, almost all insurance companies in Thailand will Not cover any pre-existing conditions at any time. We found that out after we moved. Luckily we are ok.

Have a look at CheckDi

Local health insurance companies accept you only when you apply for at least 12 months.

Yet, most of them don’t accept people with DTV since they are more likely to stay less than 12 months in Thailand.

I’m an insurance agent at Allianz Thailand and it’s now harder for me to help people with DTV visa to get a local health insurance compared to the past.

Currently I have insurance with SafetyWing but this insurance only really covers me for extreme situations where I'm required to spend time as an in-patient. I am considering and looking into local Thai insurance. Some of them require you to have a work permit and some do not. Honestly it's been quite complicated looking through all the options. It seems to get something good you need to spend at least 5,000 baht a month and there are international options that are similarly priced so I may go for something like GENKI which seems to have pretty good insurance and good reviews from people who have had to unfortunately claim the insurance. But as outpatient care is generally pretty cheap in Thailand pay as you go, I might just continue paying for that myself and just continue with SafetyWing insurance for emergencies.