Although the country boasts one of the most comprehensive healthcare systems in the world, it can be expensive. Annual premiums may seem high when compared to what expats pay for coverage in their home countries.
In addition, Thailand’s public hospitals have notoriously long lines and limited support staff. Patients can expect to spend a day or more waiting for an appointment and physician consultations will be rushed due to the massive volume of patients. It’s no wonder so many people choose to supplement or go completely private with the international AIA Health Saver in Thailand.
A Complete Guide to Health Insurance for Expats in Thailand
Private expat health plans in Thailand offer a wide range of benefits, including direct billing and global coverage. You can choose from a number of local and international providers, including Luma, formerly Bupa Thailand, Aetna, and AIA. It’s important to compare plans carefully, especially with regard to their coverage limits, hospital network, and how they handle pre-existing conditions.
If you have any medical or insurance-related questions, it’s essential to have a 24/7 customer service team available. Look for a plan that offers phone, email, and live chat support. It’s also a good idea to pick a provider with a guaranteed renewal option, which ensures that your policy will be renewed after the initial term so long as you continue paying your premium.
Another major downside of the public system is that it doesn’t cover foreigners or non-Thai residents, who will need supplemental private medical insurance to make up the difference. A private expat health insurance plan in Thailand can provide peace of mind while ensuring you have access to the best hospitals and doctors in the country.