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What health insurance options are recommended for DTV visa holders in Thailand?

Health Insurance DTV Visa expatriates in Thailand Thailand Visa Local vs. International Insurance Insurance Recommendations

Tues*****

OP

asked Aug 17, 2025

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Hi Everyone! 🙌

For those of you on a DTV visa in Thailand, which health insurance policy are you using? Did you purchase it locally in Thailand, or did you bring coverage from your home country?

I’m just trying to figure out the best option !! any advice or personal experience would be super helpful kha. 

#HealthInsuranceThailand

Answer summary

The discussion revolves around health insurance options for expats on a DTV visa in Thailand. Participants share various recommendations, including local providers like Pacific Cross and AXA, as well as international options such as SafetyWing, Cigna International, and travel insurance plans from home countries. Many emphasize the importance of having health insurance, citing experiences with expensive medical emergencies. Suggestions for brokers and online resources are also mentioned, along with opinions on local versus international policies and cost considerations.

45 repliesnewest first

32

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David *********

David *********

I’m using AXA Thailand.

1

Mark ************

Mark ************

@David ********

have you had to claim? Do they pay the hospital direct or do you have to pay out your own pocket and then get reimbursed?

0

Kaitlyn *********

Kaitlyn *********

I use safety wing

1

Scott **********

Scott **********

My international

Is with redbridge

1

Jamín ***********

Jamín ***********

Hi! Highly recommend

@Patrapong ****

with Allianz. Very easy claim process and support during and after! Cannot speak highly enough of their service so far.

1

Anonymous ******************

Anonymous ******************

Following

0

Yung ***********

Yung ***********

I contacted Rabbit Care, which was a recommendation by this group. They are free and help connect you to the best plans-- based off your budget and needs.

2

Cal ******

Following

0

Shawn *************

Shawn *************

Pacific Cross. I tried using Cigna but submitting claims was frustrating at best.

1

Anonymous ******************

Anonymous ******************

GeoBlue

1

Anonymous ******************

Anonymous ******************

Following 😊

0

Dany ********

Dany ********

i use a longterm travel insurance for young (<50) people from my home country. its way way cheaper than all those expat insurances. can do that for 2-5 years. later probably switch to an expat insurance, but why waste money now 🤷‍♀️

1

Anonymous ******************

Anonymous ******************

The coverage from travel insurance is usually much better than any thai insurance as well, covers both OPD and IPD and last but not least also covers repatriation back to your home country if that is needed. Using an over priced thai insurance is the last option.

1

Don *******

Don *******

Amex platinum gives cover. I also have a health insurance with a HK company, so double up.

1

Doug ********

Doug ********

can you explain ! I have Amex platinum but not sure on the coverage

0

Don *******

Don *******

it’s there under travel insurance. Call up their # to confirm - I did that.

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0

Anonymous ******************

Anonymous ******************

Use travel insurance as long as you can

2

Todd *********

Todd *********

Anonymous participant 492 definitely don’t do this

0

Anonymous ******************

Anonymous ******************

Definitely do that.

0

Todd *********

Todd *********

live and learn they say. Let me know how your first hospitalization goes. Then we can have a good discussion of how incredibly dumb it was

0

Dany ********

Dany ********

there is no battle with a good travel insurance. and this is DTV group. many people stay a limited time… there is amazing travel insurances for travel, work & learn. especially for young people (<40 / <50)… and those cost a fraction of a full expat insurance. because you usualy require having a „government insurance“ back home. at least in germany thats the case… these travel insurances cost 40-60€ per month and can do about 5 years. it would be incredibly dumb to waste hundreds per month on an expat insurance.

0

Todd *********

Todd *********

Anonymous participant 492 if you like battling your insurance company or denial of claims, yes- you nailed. So many absolute rookies here

0

Anonymous ******************

Anonymous ******************

I use CIGNA International....coverage every country except USA.

1

Helen *******

Helen *******

Anonymous participant 251 if they are global why exclude USA can you explain thanks

0

Anonymous ******************

Anonymous ******************

any idea if it actually covers pre existing conditions?

0

Anonymous ******************

Anonymous ******************

Because medical care in the USA is off the charts expensive. That said, they do hsve a provision that if you are in the USA and have an emergency, they will cover it up to a certain amount. Also, they offer a similar policy the INCLUDES USA coverage but very expensive. You can keep premeiums down by paying on an annual basis. I think they cut 10% off the price compared to paying monthly.

0

Helen *******

Helen *******

Anonymous participant 251 I would appreciate your offer for the agent s name and contact

Thanks

0

Anonymous ******************

Anonymous ******************

Yes. I have had it for 12 years. They are in Scotland, I believe. I can give you an agent if u like. ....You can googlr Cigna Global Health Options. I think thy now offer a Thai only plan for a bit less. I have the Silver Plan.

0

Helen *******

Helen *******

Anonymous participant 251 is it available in Thailand as I am looking to locate thanks again

0

Sweet *****

Sweet *****

AXA for DTV.

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2

Loic *******

Loic *******

If you’re planning to live in Thailand long term then a local provider makes more sense. Pacific Cross is one of the popular providers here.

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2

Anonymous ******************

Anonymous ******************

Why does ut make more sense? I dont know about PCross but most people I know hsve difficulty getting reimbursed for Thai based carriers.

1

Todd *********

Todd *********

Anonymous participant 251 u definitely want Thai based insurance if living here.

0

NG ******

NG ******

Thinksafeinternational.com

1

Anonymous ******************

Anonymous ******************

I have no insurance. Probably I'm dumb, but insurance here is very expensive and doesn't cover much.

1

Anonymous ******************

Anonymous ******************

Anonymous participant 613 trust me when I say this - I did that route and ended up in a really bad motorbike injury needing immediate surgery to replace the bones in my leg that shattered… $50k usd just for the surgery and hospital fees/stay. Get insurance. Worth it

1

Anonymous ******************

Anonymous ******************

Anonymous participant 360 sorry that happened to you!

Important to note that you need to have the proper license to even be covered when in an accident. Just saying bc many foreigners don't actually have a motorcycle license

0

Anonymous ******************

Anonymous ******************

Anonymous participant 613 definitely dumb

0

Shane ********

Shane ********

Highly recommend talking to

@Tenzing ******************

they are health insurance brokers in Thailand and very helpful

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1

Pru *****************

Pru *****************

Hey there! 🙌 When it comes to health insurance in Thailand, don’t overthink it – just get covered. The stats don’t lie: most expat mishaps happen within the first 3 months 😅. Whether you go local or bring coverage from home, the goal is simple – peace of mind so you can actually enjoy life here. Think of it as your invisible guardian: it doesn’t stop adventures, it just makes sure a little stumble doesn’t turn into a big setback. 💡✨

2

Elías ********

Elías ********

I'm using insurance from my country.

1

Chris ******

Chris ******

Check

.. we're using it for 2years already 🙏

1

Ricky ********

Ricky ********

Suggest buying travel before you fly.

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*****

59d59f0

0

Robert *********

Robert *********

Hi @Tuesday11

I can assist with that.

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Affordable Health & Life Insurance in Thailand | Thai Health Services - AIA Authorized Agent

1

Pete *******

Pete *******

AA Insurance, offices nationwide.

1

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