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What are the costs and recommendations for expat health insurance in Thailand for DTV holders?

Aug 8, 2025
a day ago
Hello 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.
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TLDR : Answer Summary
This discussion revolves around transitioning from travel insurance to expat health insurance for individuals holding a DTV in Thailand. Users share various insurance options like AXA, CIGNA, and others, highlighting costs that range significantly based on age, health status, and desired coverage. The discussion indicates a preference for direct billing to Bangkok Hospital among many expats, though some suggest exploring more cost-effective alternatives. Recommendations and experiences shared include both comprehensive health plans and specific insight into reimbursement versus direct billing options.
DTV VISA RESOURCES / SERVICES
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.
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 *************
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Pete *******
Anonymous participant so budget accordingly.
Anonymous *************
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@Pete ******
seems like 40k is the sweet spot. Sound right?
Pete *******
Anonymous participant sounds reasonable
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 away
Anonymous ******************
Anonymous participant 359 cost me 4000 baht per month
Anonymous ******************
Pacific Cross. Best for the money
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
Anonymous *************
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@Dror ********
what is 3358? 3358usd per year? 3358 baht per month?
Dror *********
משתתפ/ת אנונימי/ת baht per month
Anonymous *************
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@Dror ********
thank you
Trikker **********
I have a travel insurance that cover all unexpected things about 80usd a month, cover 6 months each trip
Anonymous *************
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@Trikker *********
I want health insurance. Travel insurance won't suffice long term.
Trikker **********
Anonym deltager it's included in my travel insurance
Anonymous *************
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@Trikker *********
is it comprehensive? For example can you have cancer treatment etc. I'm staying multiple years so I need quality coverage.
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 *************
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Anonymous 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
Robert *********
It’s all age dependent for starters.

Use this link to research different plans and pricing for AXA Smartcare

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06F85
Anonymous *************
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Robert *********
Anonymous participant if you send me a DM with your age I can assist you even further
Anonymous *************
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@Robert ********
31yo male in good health, no pre existing conditions
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 class
Patrapong *****
Anonymous participant 359 It will be around 40% less if he has a standard plan.
Anonymous *************
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Anonymous participant 887 seems very steep
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.
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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59d59f0
Wannikea *********
James ********
@Wannikea ********
very good suggestion ✅
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.