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Compare health insurance plans from top companies: April International, ACS Ami, Pacific Cross, Cigna, LMG and more. Inpatient, outpatient, dental and medical evacuation — tailored to your profile and budget.
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Thailand has some of the best private hospitals in Asia — Bumrungrad International in Bangkok is regularly ranked among the top hospitals in the region, attracting medical tourists from around the world. But quality comes at a price.
Without insurance, a straightforward appendectomy costs 80,000–150,000 THB. A road accident resulting in a few nights in ICU can exceed 300,000 THB. Cancer treatment or cardiac surgery can run into several million THB.
Thailand's public healthcare system is not accessible to most foreigners on the same terms as locals. Private health insurance gives you direct access to the best facilities, bilingual staff, cashless billing, and no large upfront payments.
Our partner insurers have direct billing agreements with these facilities
Minimum recommended: 3–5 million THB. Opt for 10 million THB for comprehensive protection, especially for families or those with medical history.
Check that your preferred hospital is on the direct billing list. Bumrungrad, Bangkok Hospital and Samitivej accept most major international insurers.
Some insurers cover pre-existing conditions after a moratorium period (1–3 years). Full disclosure at application is essential to avoid rejected claims.
"Asia" plans are cheaper than worldwide plans. If you travel to Europe or North America regularly, choose a worldwide plan (excluding or including the US).
Typically 30 days for general illness, 6–12 months for specific conditions. No waiting period for accidents. Check the fine print for your situation.
April International and ACS Ami offer English-language support 24/7. In a medical emergency, communicating in your native language is critical.
Approximate annual costs. Get your personalised quote for exact pricing.
| Age | IPD only | IPD + OPD | Full plan |
|---|---|---|---|
| 18–30 | 12,000–20,000 THB | 20,000–35,000 THB | 35,000–55,000 THB |
| 31–40 | 18,000–30,000 THB | 30,000–50,000 THB | 45,000–75,000 THB |
| 41–50 | 25,000–45,000 THB | 45,000–75,000 THB | 65,000–110,000 THB |
| 51–60 | 40,000–70,000 THB | 70,000–110,000 THB | 95,000–160,000 THB |
| 61–70 | 60,000–100,000 THB | On request THB | On request |
* Indicative rates based on 2026 available plans. Vary by insurer, options and health status.
Employed or self-employed in Bangkok, Phuket or Chiang Mai. Complement to employer cover or standalone plan.
O-A Retirement Visa requires health insurance. We select plans that meet Thai immigration requirements.
Long-stay on LTR or SMART Visa. Asia or worldwide coverage depending on your travel patterns.
Cover for spouse and children. Family plans with discounts and maternity coverage available from select insurers.
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Certified insurers selected for expats in Thailand
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