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After years of inconvenient international travel, are you itching to visit places again soon? Whether you are going places for business, study, leisure, or retirement, if you are staying for an extended period of time, there is one thing you shouldn’t forget about before you hop on the plane – international health insurance. A good international health insurance policy will not only foot your medical bills while abroad, it will further provide advice and support around the clock and, in times of crises, help you come back to your home country. You see, we are not trying to ruin your mood, and if there is a way to sound light-hearted about expat health insurance you would have done it, but private medical services are notoriously expensive in many places across the world, and you don’t want an experience of living in a foreign country to end up breaking the bank. So if you are looking for some pointers, this article from our friends at Pacific Prime Thailand presents the top 5 expat health insurance plans (in no particular order). Read on to discover more about them! 1. Cigna Global Health Options With a medical network comprising over 1.65 million partnerships, including 175,000 mental and behavioral healthcare providers, and 14,000 facilities and clinics, there is no question Cigna is well positioned to deliver choice, predictability, affordability and access to quality care for their customers. The Global Telehealth service gives you access to licensed doctors around the world for non-emergency health issues. Cigna can arrange a callback appointment for you (often on the same day), or you can arrange a telephone or video consultation from the Cigna Wellbeing app. Cigna’s Case Management service enables you to receive personalized support and assistance from their dedicated nurses and doctors if you are diagnosed with a complex condition requiring special support. They will serve as your single point of contact, offering support through coordinating your healthcare and treatment plan. That’s support right when you need it, in the way you want it! The International Evacuation & Crisis Assistance Plus optional module gives you access to a worldwide comprehensive crisis assistance service for your peace of mind while you travel. So even if the worst comes to the worst, you can still rest assured home is not far away. There are three tiers of coverage, ranging from USD $1,000,000 to unlimited annual benefit maximum, and you can choose between 2 areas of coverage (worldwide including USA, worldwide excluding USA). You may further opt to include the International Outpatient, International Evacuation & Crisis Assistance Plus, International Health & Wellbeing, and International Vision & Dental modules to make your plan fit your needs even better. If you want to lower your premium, there is a wide range of deductibles and cost shares that you may consider. You also have the freedom to choose how often (annually, quarterly or monthly) you pay for your policy. If you choose an annual or quarterly payment, your premium will be slightly lower than it otherwise would be. 2. Xplorer Essential and Premier from GeoBlue Health Insurance First off, the GeoBlue Xplorer Essential and Premier plans are limited to US citizens moving abroad and non-US residents moving to the US. An employee of a US company is also eligible provided the company is domiciled in a US state and the company pays the premium. Certain further restrictions apply, so please check before you apply for cover. Congratulations if you clear that first bar! The Premier plan has the most comprehensive policy with the maximum amount of coverage. Ideal for US citizens living abroad, the plan provides the most coverage in the USA of any global insurer, including a total of 9 months of benefits for US citizens for each policy period. The Premier plan is well suited to individuals and families looking to get the most coverage in the US and worldwide with minimum limitations. It is also the perfect premium insurance for foreigners living in the US because the benefits, coverage, and service levels offered are considered to be the best in the business. On the other hand, if you do not plan to return to the US, then Xplorer Essential is for you – it offers the same benefits as the Premium plan, except that there is no coverage in the US. This plan will save you money compared to plans that offer coverage in the US as well. If you need some basic coverage in the US, you may consider the optional essential add-on which provides coverage for emergency medical care, illness, prescriptions, and accidental injuries while you are temporarily in the US. For citizens continuing their US health insurance plan while living overseas, the GeoBlue Xplorer Select plan covers you while outside the US. It has a simplified underwriting process that asks fewer medical questions, and the benefits are very similar to XPlorer Essential. One of the best features of the GeoBlue is that it imposes no waiting periods with any preventive services, such as doctor office visits and routine physicals, and you are not required to pay a deductible for standard services such as office visits, preventive care, and outpatient prescriptions. These plans also offer unlimited annual and lifetime maximum to its policyholders, and you can cancel the policy any month with no cancellation fee. 3. William Russell Health Insurance For over 30 years already, William Russell has been supporting expats around the world. With their global plans, you can get cover for the latest medical treatments and access private healthcare internationally. Plus, you'll have help and support from a team of experts with their trademark personalized service. With over 40,000 hospitals in their worldwide network, you can be sure you’re getting the best medical care. You’ll have access to the best hospitals and doctors wherever in the world you are, whether it is primary care or complex surgery you need. Their plans cover the latest cancer care and treatments, including genome testing. What’s more, they provide benefits, such as wigs following chemotherapy, counseling with a psychologist, and consultations with a dietitian, and more. Your mental health will be in good hands too. It can be tough living and working away from your support network. That’s why most William Russell plans cover your mental health consultations and treatment. The William Russell plans are available in four tiers of coverage – Bronze, Silver Lite, Silver, and Gold, with annual coverage benefits ranging from USD $1.5m to USD $5m. The Gold plan covers pregnancy and childbirth, and all plans include 24/7 emergency assistance. 4. Global Medical Insurance Plan from IMG This plan provides 24/7 global access to healthcare, and connects you to important international medical services, including the coordination of emergency evacuations if necessary. This plan can be customized to suit the your needs and those of your family, you can choose from several plan options, customize your length and area of coverage and select from multiple deductibles (from USD $100 to USD $25,000), modes of payment, and maximum limit options (from USD $1,000,000 to USD $8,000,000). Most importantly, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies. You can rest assured knowing that IMG has a department dedicated to keeping your insurance as affordable as possible. As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. IMG also offers a cash incentive and waives 50% of your deductible if you choose to receive treatment from some of the best medical facilities outside the US. Lifetime medical coverage is available if you are enrolled in the program by your 65th birthday and maintain continuous coverage to age 75. Before your 75th birthday you will receive a summary of benefits for a new plan, Global Senior Plan, and an enrollment form for coverage. There is no additional medical underwriting. All you need to do is review the benefits, and complete and return the enrollment form with your premium. Once you are accepted in the plan, IMG provides a 15-day free look period for you to review the coverage. If during that 15-day period you find that you are not satisfied with the plan for any reason, you may request cancellation and full refund of your premium. That just goes to show the confidence IMG has in their Global Medical Insurance Plan. 5. WorldCare from Now Health International There are four levels of cover to choose from – Essential, Advance, Excel, and Apex, ranging from essential hospital care through to their most comprehensive plan which includes inpatient and outpatient treatment cover, including dental and maternity. All of their plans come with the great service Now Health International is renowned for, including fast and accurate claims service and state of the art digital tools. Leveraging their extensive network of medical experts worldwide, Now Health International provides members with a second medical opinion service to help ensure you get the right diagnosis and the right treatment, and to give you peace of mind. Members can access this service for both acute and long term conditions, and in most cases the second medical opinion will be delivered within days. To help make seeking treatment overseas easier for you, Now Health International provides concierge support to help you manage the process. This includes recommending where to get treatment, support to book medical appointments, appointment reminders, placing guarantees of payment with the hospital (including in an emergency) so you don’t need to pay upfront, and support with arranging medical visas. Taking a holistic approach to health and wellbeing, the Member Assistance Programme includes immediate support by phone from specialized professionals in counseling, social work, psychology or human services, available 24/7 in multiple languages. It also provides real-time online conversation with support professionals for immediate assistance with work, health, or life issues. Confidential and secure telephonic or video sessions with counselors in your native language are available too. Now Health International understands time is precious to you, that is why they promise if you have had to pay for treatment and need to claim back your expenses, they will process eligible claims within five working days. If you need day-patient or in-patient treatment, Now Health International will aim to pre-authorise your claim so you don’t need to pay anything, and they will place guarantees of payment with medical providers within two working days. When you buy your plan, if they need to underwrite your application, Now Health International will respond to you within two working days. If you choose to receive your plan documents by post, Now Health International will dispatch them within five working days, and they will respond to all your enquiries within one working day. Want to learn more about international health insurance or looking for a plan that serves you and your family best? Contact Pacific Prime Thailand today! Their expertise and experience in all matters related to insurance, combined with their in-depth knowledge of the products from all the major insurers around the world, give them the ability to provide impartial advice that only a leading global insurance brokerage can provide. Not only can Pacific Prime Thailand tailor a plan that meets all of your needs and fits your budget, but they make sure their clients have a good time working with them. Their company motto of “simplifying insurance” is not just a slogan: it’s their core value!

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So you want to travel abroad with your Thai partner. Maybe you’d like to introduce the family or give a tour of your hometown. Perhaps you just want a romantic getaway. But there’s one problem: You’ve discovered gaining entry to many countries on a Thai passport is much more difficult than the passport you’re holding. What can you do? Should you change your destination or is there still hope? Securing a visa to almost any country in the world is possible, even on a Thai passport, but you have to be a bit strategic. Here are some ideas to help you travel abroad more easily with your Thai partner. The path of least resistance: 10 popular countries Thais can travel to easily If you just want to go on a holiday for a couple weeks, there are dozens of countries with little red tape. Below are 10 popular destinations that are visa-free or offer visa-on-arrival for Thai passport holders: 1. Maldives 2. Hong Kong 3. South Korea 4. Jordan 5. Solomon Islands 6. Fiji 7. Madagascar 8. Kenya 9. Argentina 10. Brazil For a more comprehensive list of easy-to-travel-to countries for Thais, check out this forum post. The 5 most difficult countries/regions for Thais to visit If you’d like your Thai partner to visit one of the more popular western destinations, you’ll likely encounter more strict immigration requirements. Below are five countries or regions that present the most difficulty for Thai passport holders: 1. United States 2. United Kingdom 3. European Union 4. Australia 5. Canada Without proper preparation, rejection is likely. You may need to book all your flights and hotels in advance, show your financial records, and provide a criminal background check. Why are visas more difficult to obtain for Thais? Discovering the additional hurdles Thais must overcome when traveling abroad can be surprising (and disappointing). It may also seem unfair given you and your partner’s good intentions. The truth is that people from Southeast Asia and other regions have a historic pattern of overstaying tourist visas and unlawfully working. The immigration officers aren’t bad people. But their job is to make applicants prove why they won’t violate the terms of the visa. Some country’s officers even go as far as to presume an intent to overstay. In other words, you’re guilty until you can prove your innocence. Despite the challenges, there are ways to overcome them. How to travel to popular western countries: 4 ways to improve your odds Traveling to the five challenging countries/regions above is still possible for Thai passport holders. You just need to know what immigration officers are looking for. Here are four key criteria: 1. Attachment to Thailand: The stronger your partner’s reasons to return to Thailand, the better your chances of approval. A career, house, or other significant property shows your partner’s life is rooted in the Kingdom and there’s an intention to return. 2. No criminal record: It goes without saying that a criminal record can hurt your chances for nearly any application, whether a job or college admission. Visas are no different, and if your partner has a clean record, approval is more likely. 3. Financial security: As popular western countries are significantly more expensive than Thailand, does your partner have the financial means to travel there? Immigration officers want to see proof of savings and predictable income. 4. International travel history: If your Thai partner has previously traveled abroad and honored the terms of the visa, his or her chances of approval improve. Immigration officers want to see a history of traveling to and timely leaving countries, as it means your partner is more likely to return to Thailand. While satisfying the four criteria above can help your chances to secure a visa, each application is assessed against a presumption of bad intentions. Getting a visa to visit a country is a privilege after all. The more complete and thorough a picture you can assemble about the intention to return to Thailand, the better your chances. Already decided on your destination? If you’re set on a specific country or region, here’s some destination-specific information that will set you up for success. United States All US visas (including tourist visas) require an interview at the US embassy in Bangkok, and wait times can be substantial. The visa applicant must attend the interview on their own so it’s important to be properly prepared. For serious couples, you may find it easier to obtain a US K-1 Fiancé(e) visa than a tourist visa. Check out our FREE US K-1 Fiancé(e) Visa Interview Guide or US CR1 & IR1 Spouse Visa Interview Guide for additional details and sample interview questions. Learn more about your US visa options here. United Kingdom There are three types of UK visas available for your Thai partner: the standard visitor visa, marriage visitor visa, and family visa. If you’re just looking to holiday in the UK, choose the standard visa. You’ll need to apply online and book an appointment at a visa application center. Unlike the US, visas for the UK do not require an interview. Free Download: UK Visa Guide for Thai & British Couples Canada If your purpose is tourism, visitor visas are your best option. Canadian immigration places a higher emphasis on your Thai partner’s relationships with Canadians and who you will see while visiting (Canadian friends or family). Assuming you are Canadian, your partner's chances of a successful application improve if he or she mentions your relationship. Learn more about your Canada visa options here. Australia For couples, there are four core types of Australian visas: a visitor visa, work and holiday visa, prospective marriage visa, or a partner visa. If your primary objective is tourism or to introduce your partner to your family, the visitor visa is your best choice. A work and holiday visa may also be a good option if you’d like to take an extended holiday with brief stints of working. Learn more about your Australia visa options here. European Union To travel to the EU, your partner will need a Schengen visa. There are a wide variety of Schengen visa options available. Couples will want a tourist, spouse, or visitor visa. While you can travel throughout the EU once you get the visa, you will need to apply at the embassy of the country where you plan to spend most of your time. Learn more about your Schengen visa options here. Your journey ahead I’m sure you’re excited and want to begin preparing for your trip, but perhaps you still have questions. If you’re looking for more personalized guidance for your unique situation, contact us for a free consultation. We’d be happy to help. Book a free no-obligation consultation We look forward to speaking with you soon. Best Regards, Mark Friedman Managing Director Baan Thai Immigration Solutions About Baan Thai Immigration Solutions We are an immigration-focused international law firm based in Bangkok with over 70 years of combined legal experience. Our team of bilingual counselors are experts at facilitating visas and permits for the US, UK, Australia, EU, and Canada. If you’re in need of friendly, professional advice, don’t hesitate to contact us. Phone: +66-93-498-5955 Website: https://btisolutions.co Email: [email protected] Read Google Reviews Address: 208 Wireless Road Building (Suite 1102) 208 Wireless Road Lumphini Sub-District Pathum Wan District, Bangkok 10330 Thailand Map and directions

Moving to a new country is often overwhelming, whether for a job or to move in with your partner. In addition, finding a new house, making new friends, and staying away from family could get stressful and affect your mental health. However, you can do plenty of things to help ensure you keep yourself mentally healthy and combat depression. Lucky for you, our wonderful friends at Pacific Prime Thailand have put together some tips to help maintain good mental health. Understanding expat depression Depression is more than feeling sad or low for a couple of days. When someone is depressed, they feel persistently sad for weeks or months. And expat depression can be described as a period of sadness experienced by people who move abroad for work. Why do expats in Thailand experience depression? Generally speaking, depression is not caused by one event, but can be triggered by different situations or reasons. And when it comes to expats, relocating for work requires a lot of drive, energy, confidence, and optimism. However, living in a foreign country does come with a long list of challenges, such as learning the language and depending on locals for help with things ranging from sourcing medicine to finding a house - something that, over time, can damage one's sense of competency. What are the symptoms of depression? The systems for depression vary from one person to another and are complex. For instance, if you are depressed, you may feel sad and hopeless and lose interest in the things you once enjoyed. The symptoms may last for weeks or months on end and are severe enough to interfere with work, social life, and family life. Most expats try and cope with their symptoms without realizing they are unwell. Keep an eye out for the following signs: ● Always feeling low or sad ● Feeling hopeless ● Insomnia ● Fatigue ● Irregular appetite ● Unusual weight gain or loss ● Low attention span and more Here's how you can maintain good mental health and cope with depression 1. Seek professional help at the earliest If you are constantly feeling sad or "out of it" more than usual, you might be suffering from a mental health issue. So, during times like this, it's better to see an expert for help and get proper treatment as early as possible. 2. Do your research and be prepared Moving to a new country can be challenging; hence, being prepared is a good idea. Research the kind of help you can get in Thailand for mental health and ensure your health insurance covers clinic visits and treatment for mental health. Related reading: Where to find mental health support in Thailand as an expat 3. Maintain a healthy work-life balance Set aside time for yourself and your loved ones. Do not compromise on quality time doing things that are important to you. 4. Exercise regularly and get enough sleep Research on depression and anxiety shows that exercise and sleep can ease symptoms. So, try to exercise daily and get 7-8 hours of sleep every night. And if you are unable to sleep through the night or cannot bring yourself to exercise, consult a doctor as they could be early symptoms of depression. 5. Make local friends and build a connection with the country Join an activity group or a language class in Thailand where you can learn something new about the country and in the process make some local friends as well! Secure comprehensive medical insurance with mental health coverage Pacific Prime Thailand can help you find the right insurance plan that meets your budget and requirements. With over 20 years of experience in the insurance industry and a robust global presence, Pacific Prime has helped expats from different parts of the world secure the right medical insurance. Get in touch with one of Pacific Prime's advisors for a free quote today!

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