What are the best health insurance options for families in Thailand?

You need to understand there is two different types of cover. 1. A Thai Comapny - AIA, Pacific Cross and so on…

2. Global expat cover - Cigna and so on..

There is zero benefit in going direct. Use a reccomended and established broker. Who will be in your corner. Not just for sourcing it, but heaven forbid in the event of a claim. I happen to use Luma and they are excellent

If you have a long-term visa, you might want to consider Allianz. It’s popular among international clients and offers special pricing when children apply together with their parents

Pacific Cross Thailand

Cigna Global

Any brokers all over Thailand will give you options . First decide if you want international policy or Thai only policy , difference is premiums and max yearly limits . Difference in premiums is huge, in many cases almost double and keep in mind yearly and age increases . Also something to consider is which insurance does not require a deposit with hospital . Yes all say fave a direct billing , but if you end up

In ER, you either have to pay a deposit and later claim from insurance or wait for pre approval letter ( which may take from a few hours , to a few days ) I personally chose AXA because I read no deposit and sure enough 2 months ago when admitted to ER and in ICU 1 hour later , I was not asked to pay any deposit but hospital did ask me to sign if AXA not pay, I will .

Before that I was with April , had to either pay and claim later with insurance or wait for pre approval , In my case took about 16 hours to hear back from April

AIA is the most widely used health insurance. Just find a good broker rather than trying to buy direct