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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
22 days ago
Anonymous *************
ORIGINAL POSTER
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
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.
21 days ago
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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.
21 days ago
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Thaís ***********
Participante anónimo 350 I am also interested
20 days ago
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Anonymous ******************
@Thaís **********
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19 days ago
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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?
20 days ago
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Anonymous ******************
@Debbie *******
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19 days ago
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Anonymous ******************
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Sweet *****
AXA is probably the most popular one for DTV holders.

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21 days ago
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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.
21 days ago
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Anonymous *************
ORIGINAL POSTER
@Pete ******
 I'm 31
21 days ago
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Pete *******
Anonymous participant so budget accordingly.
21 days ago
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Anonymous *************
ORIGINAL POSTER
@Pete ******
 seems like 40k is the sweet spot. Sound right?
21 days ago
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Patrapong *****
Anonymous participant A First Class plan from Allianz for Bangkok hospitals is 38,594/year for a healthy man at 31 years old.
20 days ago
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Pete *******
Anonymous participant sounds reasonable
21 days ago
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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
21 days ago
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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
21 days ago
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Anonymous ******************
Anonymous participant 359 cost me 4000 baht per month
21 days ago
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Anonymous ******************
Pacific Cross. Best for the money
21 days ago
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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.
20 days ago
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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
21 days ago
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Anonymous *************
ORIGINAL POSTER
@Dror ********
 what is 3358? 3358usd per year? 3358 baht per month?
21 days ago
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Dror *********
משתתפ/ת אנונימי/ת baht per month
21 days ago
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Anonymous *************
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@Dror ********
 thank you
21 days ago
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Trikker **********
I have a travel insurance that cover all unexpected things about 80usd a month, cover 6 months each trip
21 days ago
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Anonymous *************
ORIGINAL POSTER
@Trikker *********
 I want health insurance. Travel insurance won't suffice long term.
21 days ago
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Trikker **********
Anonym deltager it's included in my travel insurance
21 days ago
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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.
21 days ago
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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
21 days ago
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Anonymous *************
ORIGINAL POSTER
Anonymous participant 678 sounds like good value but the reimbursement adds constant doubt
21 days ago
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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
21 days ago
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Robert *********
It’s all age dependent for starters.

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

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22 days ago
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Patricia *******
@Robert ********
 in English please
21 days ago
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Robert *********
@Patricia ******
 just click in top right to change the language
21 days ago
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Robert *********
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Anonymous *************
ORIGINAL POSTER
@Robert ********
 thank you
22 days ago
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Robert *********
Anonymous participant if you send me a DM with your age I can assist you even further
22 days ago
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Anonymous *************
ORIGINAL POSTER
@Robert ********
 31yo male in good health, no pre existing conditions
22 days ago
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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.
22 days ago
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Patrapong *****
Anonymous participant 887 You can get a First Class plan for Bangkok Hospitals from Allianz if you pay this price.
21 days ago
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Anonymous ******************
@Patrapong ****
 he is 65 years old it's a normal price in this age class
21 days ago
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Patrapong *****
Anonymous participant 359 It will be around 40% less if he has a standard plan.
21 days ago
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Patrapong *****
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Anonymous *************
ORIGINAL POSTER
Anonymous participant 887 seems very steep
22 days ago
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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.
22 days ago
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Patricia *******
@Don ******
 please a bit more info on these? I am elder and still need something affordable!
21 days ago
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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.
22 days ago
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Ricky ********
LUMA are the better option

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22 days ago
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Wannikea *********
Contact
@Robert ********
22 days ago
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James ********
@Wannikea ********
 very good suggestion ✅
22 days ago
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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.
22 days ago
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Ľubica **********
@Patrapong ****
 máte správu
21 days ago
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Patrapong *****
@Ľubica *********
 Thank you.
21 days ago
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Patrapong *****
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