What is the best health insurance option for expats in Thailand who need coverage for minor illnesses and hospitalization?

Health cover is only as expensive as your next flight home. So that’s why you should never burn your boats. Keep your options open and the freedom to exercise them.

Start out with a travelinsurance as long as possibel, since they include transport back to your homecountry and / or getting relatives come to Thailand in case of serious illness or accident.

I recommend talking with an insurance broker for honest and personal advice. Contact AA Insurance Brokers and we’ll get back to you in a flash!

AXA Thailand

Why would you need insurance for the flu? Surely buying some water and paracetamol is cheaper for this?

Ask people with insurance if they've ever been paid out when needed..... Be careful !

Insurance for the flu?

I recommend

@Thanakorn ***************************

I pay 1000 THB per month.

@Tomasz *******

if you are specifically looking only for insurance within thailand, this might help from the list of insurance in the O visa category.

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If you are looking for digit nomad visa type, goto digital nomad group in reddit.com, you will come up with Safetywing, Genki, …etc.

Personally, I am leaning towards Imglobal for digital nomad/ world citizen myself. Hope this helps!

You don’t say your age, and what amount of coverage you require, that would help narrow it down. But try looking at AXA or Pacific Cross, you can search all this yourself.

Depending on what u need/age etc take a look at Genki. Wont work for everyone but does for me! €60 odd a month and can cancel at anytime and covers pretty much the same as the big boys. I have a referral code should you need

You need whats called international health insurance and u don't need a large excess or deductible depending on what u want to spend

Especially if You're on the younger side, and you don't have any serious health conditions, in my opinion, you don't need full medical cover, look into a good accident insurance policy, and also a good critical illness policy, because if the worst should happen, that is what will cost the most money, most other minor conditions you could probably just pay for it yourself, medical treatment in Thai government hospitals isn't stupidly expensive, for example a decent accident insurance policy is between ฿6500-฿8500 roughly, AXA and AIA are good, also as previously mentioned Pacific cross should have a policy that suits your needs.

I care self about my health. But I have an accident incurrence. When you drive car or scooter it make sense for me. But really since 2016 my family have no health cover at all. And till today we didn’t saw a doc.

4 offices in Thailand They work with all companies

I judt checked AXA had reasonable prices up to age 79

Look for a policy with a large(ish) deductible. This will lower the cost. Pay for routine care out of pocket. Get enough coverage for a catastrophic event.

I’ve been here 7 years. My policy has a 40,000 baht deductible. The highest medical bill I ever had was 20,000 baht and that was once earlier this year.

Simple advice, get the best health insurance you can afford.

Don’t want to totally derail your intentions but chances are high the cost of most medical care here is possibly less than a co-pay in many other places.

I recently have been recovery from a bronchial infection. Dr visits and medications cost me a total of 600 baht (~$18 USD). That included a few medications including two antibiotics.

So the need for insurance is not as great and the frequency they’ll actually pay is low compared. Fwiw.