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What are the costs and recommendations for expat health insurance in Thailand for DTV holders?
expat health insurancehealth insurance pricingDTV holdersBangkok Hospitalinsurance providersAXALUMAPacific Crosshealth insurance options
Aug 8, 2025
9 months ago
Anonymous *************
ORIGINAL POSTERHello all,
After 18 months in Thailand on exemptions and extensions I'm feeling great being back in on the DTV. I will need to transition from travel insurance to proper expat health insurance in September. How much is this going to cost me? My main priority is direct billing to Bangkok Hospital. I'd appreciate any pointers as I continue my research. Curious what products other DTV folks have selected.
After 18 months in Thailand on exemptions and extensions I'm feeling great being back in on the DTV. I will need to transition from travel insurance to proper expat health insurance in September. How much is this going to cost me? My main priority is direct billing to Bangkok Hospital. I'd appreciate any pointers as I continue my research. Curious what products other DTV folks have selected.
TLDR : Answer Summary
The discussion revolves around finding the right expat health insurance for those on a Digital Nomad Visa (DTV) in Thailand, especially for direct billing with Bangkok Hospital. It emphasizes that costs can vary significantly depending on age, health conditions, and specific insurance plans. Several users recommend providers like AXA, LUMA, and Pacific Cross, and mention average costs ranging from $100 to $500 monthly, with many factors influencing the final pricing.
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Chris ****
Go to the hospital and ask them what insurance they accept. You’ll learn a lot.
Anonymous ******************
I opted for Cover More and a all of Asia package, coupled with an additional adventure and large motorcycle package.
The total 12 month cost for two adults and two children was $3400AUD.
The total 12 month cost for two adults and two children was $3400AUD.
Thaís ***********
Participante anónimo 350 I am also interested
Anonymous ******************
@Thaís **********
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Anonymous ******************
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Debbie ********
匿名互动者 350 We will be traveling between countries in Asia soon. Two adults and two kids. May I know how to get this insurance package?
Anonymous ******************
@Debbie *******
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Anonymous ******************
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Sweet *****
AXA is probably the most popular one for DTV holders.
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Pete *******
As others have said its age and health status dependant, however for a decent policy at age around 55 you need to be budgeting anywhere between 70k-120k per year. And it will only increase with age.
Anonymous *************
ORIGINAL POSTER@Pete ******
I'm 31Pete *******
Anonymous participant so budget accordingly.
Anonymous *************
ORIGINAL POSTER@Pete ******
seems like 40k is the sweet spot. Sound right?Patrapong *****
Anonymous participant A First Class plan from Allianz for Bangkok hospitals is 38,594/year for a healthy man at 31 years old.
Pete *******
Anonymous participant sounds reasonable
Reply to
Pete *******
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Anonymous ******************
Stay far away from BKK hospital there are cheaper and better options. No reason to overcharge your insurance like that
Anonymous ******************
Anonymous participant 359 i have fwb. They pay in every private hosital and many doctors. But have only
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baht outpatient. But when something serious happened they always paid up straight awayAnonymous ******************
Anonymous participant 359 cost me 4000 baht per month
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Anonymous ******************
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Anonymous ******************
Pacific Cross. Best for the money
Cel *******
Anonymous participant 227 i m using Pacific Cross also and I agree it’s best value for money — esp if u just need to have it as a backup and u r healthy with no underlying health conditions.
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Cel *******
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Dror *********
Krungthai axa
25,000,000 per year with 9000bht for room per day
15,000 OPD a year
I pay 3358 im 36
Its best to get local provider insurance otherwise they make things difficult i dont pay anything in advance just show my card
25,000,000 per year with 9000bht for room per day
15,000 OPD a year
I pay 3358 im 36
Its best to get local provider insurance otherwise they make things difficult i dont pay anything in advance just show my card
Anonymous *************
ORIGINAL POSTER@Dror ********
what is 3358? 3358usd per year? 3358 baht per month?Dror *********
משתתפ/ת אנונימי/ת baht per month
Anonymous *************
ORIGINAL POSTER@Dror ********
thank youReply to
Anonymous *************
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Trikker **********
I have a travel insurance that cover all unexpected things about 80usd a month, cover 6 months each trip
Anonymous *************
ORIGINAL POSTER@Trikker *********
I want health insurance. Travel insurance won't suffice long term.Trikker **********
Anonym deltager it's included in my travel insurance
Anonymous *************
ORIGINAL POSTER@Trikker *********
is it comprehensive? For example can you have cancer treatment etc. I'm staying multiple years so I need quality coverage.Reply to
Anonymous *************
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Anonymous ******************
Genki health worked out great for me. Always paid out on all hospital visits all around the world, including bangkok hospital. However, it’s not direct billing but a reimbursement system. Takes about 2 weeks to 1.5 months to receive. I am 30 and pay 70 per month usd
Anonymous *************
ORIGINAL POSTERAnonymous participant 678 sounds like good value but the reimbursement adds constant doubt
Maksym ***********
Анонімний учасник just buy protrip from Dr walter, that is same product that Genki sold, but directly and they allow up to 12 visits via Air Doctor that paid directly to BH without reimbursement
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Maksym ***********
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Robert *********
It’s all age dependent for starters.
Use this link to research different plans and pricing for AXA Smartcare
Use this link to research different plans and pricing for AXA Smartcare
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06F85Patricia *******
@Robert ********
in English pleaseRobert *********
@Patricia ******
just click in top right to change the languageReply to
Robert *********
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Anonymous *************
ORIGINAL POSTER@Robert ********
thank youRobert *********
Anonymous participant if you send me a DM with your age I can assist you even further
Anonymous *************
ORIGINAL POSTER@Robert ********
31yo male in good health, no pre existing conditionsReply to
Anonymous *************
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Anonymous ******************
Using CIGNA for years...65 and $330 a month or 10%less if entire premium is paid one a year.
Patrapong *****
Anonymous participant 887 You can get a First Class plan for Bangkok Hospitals from Allianz if you pay this price.
Anonymous ******************
@Patrapong ****
he is 65 years old it's a normal price in this age classPatrapong *****
Anonymous participant 359 It will be around 40% less if he has a standard plan.
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Patrapong *****
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Anonymous *************
ORIGINAL POSTERAnonymous participant 887 seems very steep
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Anonymous *************
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Don *******
Got 2. One with Amex platinum. One with New World in Hong Kong. I use the Amex travel insurance on anything that’s an emergency. The new world is a health insurance for bigger unforeseen circumstances.
Patricia *******
@Don ******
please a bit more info on these? I am elder and still need something affordable!Reply to
Patricia *******
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Stephen ********
My wife and I both hold dtv, I travel back to London to work, so i have a 90 day travel insurance. I do my wife's health insurance through AXA, its about £100 per month.
Ricky ********
LUMA are the better option
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59d59f0Wannikea *********
Contact
@Robert ********
James ********
@Wannikea ********
very good suggestion ✅Reply to
James ********
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Patrapong *****
How much it costs would depend mainly in your age.
I work for Allianz Thailand and we we have a plan specifically designed to be used at Bangkok Hospital.
DM me if you need more info. At least you can compare with other companies.
I work for Allianz Thailand and we we have a plan specifically designed to be used at Bangkok Hospital.
DM me if you need more info. At least you can compare with other companies.
Ľubica **********
@Patrapong ****
máte správuPatrapong *****
@Ľubica *********
Thank you.Reply to
Patrapong *****
Reply
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