Any brokers all over Thailand will give you options . First decide if you want international policy or Thai only policy , difference is premiums and max yearly limits . Difference in premiums is huge, in many cases almost double and keep in mind yearly and age increases . Also something to consider is which insurance does not require a deposit with hospital . Yes all say fave a direct billing , but if you end up

In ER, you either have to pay a deposit and later claim from insurance or wait for pre approval letter ( which may take from a few hours , to a few days ) I personally chose AXA because I read no deposit and sure enough 2 months ago when admitted to ER and in ICU 1 hour later , I was not asked to pay any deposit but hospital did ask me to sign if AXA not pay, I will .

Before that I was with April , had to either pay and claim later with insurance or wait for pre approval , In my case took about 16 hours to hear back from April

@John *********

it is largest but also seems to have bad reputation amongst Thai , when I was doing insurance search , way too many negative experiences with AIA

Be aware, AXA while good pricing has very strict conditions and are very inflexible . One condition is they pay for 2 doctor visit per day , full stop . If you have multiple doctors or doctor needs to visit you more , you pay . I was just hit with doctor fee bill after 2 weeks in the hospital with multiple organ failures . They paid for 1 doctor only , I had 3.

David Gillette problem with 2-3 million baht policies is low coverage in terms of how much they pay. Perfect example is room cost . 2-3 mil policy pays 3000-5000 baht per day , while rooms in private hospital go for 8000-, so you have to pay the difference .better option is 5 mil but a deductible of say 20 000 baht , which reduces policy premium by 20-30%

Irwin Hankins broker is looking into it but they do have small print about doctor fees, which not only I missed but also never thought about

Wolf Gang same with me, once hospital saw AXA card, no deposit was asked and did not ask for any payment/prepayment/ partial payment during 2 week treatment

Duncan McRae Scott I have mixed feelings. In terms of cost of premiums I think AXA is of the best, but the downside is how slow and picky they can be. Perfect example is paying for only 1 doctor visit. This is not something in patients control and even less so when have different doctors. “Better” policies have max total they would pay for doctor visit , or no limit , but those policies come at a much higher premium. International policies normally more lenient, but premiums are double if not higher . Despite popular myth that Thai insurances are not regulated , it’s actually totally opposite. Also another “positive “ that I will try to explain as short as possible . Normally private hospital likr Bangkok hospital , would require either a deposit or letter of guarantee from the insurance. In case of emergency like mine, there was no time to apply for pre approval or a guarantee but yet when hospital saw it was AXA, I got admitted on the spot, no deposit was asked. Within about 2 hours from arriving in ER I was already in ICU. Not once hospital asked for any money during treatment.

I know quite a few people who have international policies or with other companies and almost all were asked for a deposit.

So I think AXA has a good reputation with hospitals, my only complaints is the waiting time to process and things they did not cover. BUT to put it in perspective , amount they did not cover is about the same as premium price difference between say AXA and April.

This was my first claim in 3 years , even with what was not covered I have still saved money on premiums if I was with another company

Hope it makes sense

Mona Sultan stop spreading utter nonsense

Mona Sultan insurance for OA has nothing to do with 800k in the bank and $200 a year hardly covers third party car liability insurance let alone health insurance for 4 million baht

Andy Magann Be aware travel insurance primary objective is to have you returned home for treatment at which point moment you step foot in Australia , insurance stops to pay.if they decide to bring you home instead of local treatment , also do not expect biz class flight but would be economy. On the other hand , health insurance is normally a 6 month waiting period before you can make a claim , though accidents covered immediately