10 Reasons Why Expats in Thailand Should Have Comprehensive Health Insurance

[CharlieH]

 

 

Moving to Thailand is a dream for many expats, but navigating healthcare can be tricky. With unique health risks, high private hospital costs, and visa requirements, securing quality health insurance is a smart choice for a smooth experience in Thailand. Here are 10 reasons why having health insurance is a must for expats.

1. Navigating Tropical Health Risks in Thailand

Thailand’s tropical climate means you’re more likely to encounter health risks like dengue fever and respiratory issues from pollution. Conditions like skin infections can also worsen due to humidity. With comprehensive health insurance, you’ll have coverage for these unique risks, giving you access to the right care when needed.

2. Private Hospital Costs More

Thailand offers top-notch private hospitals, but without insurance, costs can add up fast. A basic consultation might set you back 1,500–3,000 THB, and more serious treatments can go into the tens of thousands. Health insurance helps cover these expenses, making quality care affordable and accessible.

 

3. Public Healthcare Limitations

While affordable, Thailand’s public healthcare system primarily serves locals and may not meet expat expectations. Long wait times and limited English-speaking staff can make public hospitals challenging. Private insurance ensures you can choose private facilities with faster service and English-speaking medical teams.

4. Limited-time 10% Discount for Lifetime

Cigna is offering an exclusive 10% discount on health plans this month, making it easier to get the coverage you need.

 

T&Cs apply*

 

5. Protecting Your Family’s Health Abroad

For expats with families, insurance offers peace of mind, covering everything from regular doctor visits to emergencies. With a family health plan, you can rest easy knowing everyone’s health is protected.

6. Access to Quality Medical Facilities

With insurance, you have access to Thailand’s best private hospitals, like Bumrungrad International and Bangkok Hospital, known for advanced technology and English-speaking staff. This makes managing your health needs easier and more comfortable.

7. Emergency Medical Evacuation

If an emergency strikes, evacuation might be necessary, especially in remote areas. Costs can exceed $100,000 (about 3.6 million THB), but insurance with evacuation coverage removes the financial stress, letting you get the specialised care you need.

8. Preventive Healthcare to Stay Ahead of Health Risks

Insurance often includes preventive care like annual check-ups, vaccinations, and screenings, helping you stay proactive about your health.

 

9. Mental Health Resources

Adjusting to a new country can bring on stress or anxiety. Many health plans include mental health support, such as counselling or therapy, so you can care for your emotional well-being while settling in.

10. Long-Term Health Costs as an Expat

Healthcare expenses can add up over time. With health insurance, you’re protected from the financial strain of long-term treatments and chronic condition management, keeping you financially secure.

Bonus reason: Meeting Visa Requirements

Certain Thai visas, like the retirement visa, require health insurance. Meeting these requirements not only ensures your visa eligibility but also gives you essential coverage.

Take action now: Don’t risk your health in Thailand.

Cigna’s expat health plans are tailored for Thailand, supporting you as you adjust to life abroad. Here’s how Cigna can help:

• Visa Requirements: Cigna plans meet Thailand’s health insurance requirements for long-stay visas.

• Top-tier Hospitals: Gain access to top facilities, like Bumrungrad International, with English-speaking staff and high standards of care.

• Mental Health Support: Coverage for counselling or therapy to promote emotional well-being.

• Long-term Financial Security: Covering everything from prescription meds to emergencies, Cigna provides financial stability.

Choosing Cigna ensures you’re prepared for routine and unexpected healthcare needs, giving you peace of mind as you enjoy your new life in Thailand.

 

T&Cs apply*

 

*Cigna Healthcare reserves the right to amend or withdraw a promotion at any time without notice. This promotion ends on November 30th, 2024. This 10% discount will apply for the lifetime of the policy and is only eligible to new Cigna Global Individual customers. The discount may only be applied by a sales agent and cannot be applied in conjunction with any other offer, except the 10% discount given to policies paid annually in full. If you choose to pay your policy annually in full, your 10% discount will be applied after the 10% annual discount has been applied. Only Cigna Global Individual Policies are eligible for the 10% discount. A minimum purchase value of $2000 for policies based in Europe is applicable. Policies based in the rest of the world require a minimum purchase value of $3000 to be eligible. 

 

Summary of original article by The Thaiger

[Thingamabob]

On 11/6/2024 at 6:38 PM, CharlieH said:

 

 

Moving to Thailand is a dream for many expats, but navigating healthcare can be tricky. With unique health risks, high private hospital costs, and visa requirements, securing quality health insurance is a smart choice for a smooth experience in Thailand. Here are 10 reasons why having health insurance is a must for expats.

1. Navigating Tropical Health Risks in Thailand

Thailand’s tropical climate means you’re more likely to encounter health risks like dengue fever and respiratory issues from pollution. Conditions like skin infections can also worsen due to humidity. With comprehensive health insurance, you’ll have coverage for these unique risks, giving you access to the right care when needed.

2. Private Hospital Costs More

Thailand offers top-notch private hospitals, but without insurance, costs can add up fast. A basic consultation might set you back 1,500–3,000 THB, and more serious treatments can go into the tens of thousands. Health insurance helps cover these expenses, making quality care affordable and accessible.

 

3. Public Healthcare Limitations

While affordable, Thailand’s public healthcare system primarily serves locals and may not meet expat expectations. Long wait times and limited English-speaking staff can make public hospitals challenging. Private insurance ensures you can choose private facilities with faster service and English-speaking medical teams.

4. Limited-time 10% Discount for Lifetime

Cigna is offering an exclusive 10% discount on health plans this month, making it easier to get the coverage you need.

 

T&Cs apply*

 

5. Protecting Your Family’s Health Abroad

For expats with families, insurance offers peace of mind, covering everything from regular doctor visits to emergencies. With a family health plan, you can rest easy knowing everyone’s health is protected.

6. Access to Quality Medical Facilities

With insurance, you have access to Thailand’s best private hospitals, like Bumrungrad International and Bangkok Hospital, known for advanced technology and English-speaking staff. This makes managing your health needs easier and more comfortable.

7. Emergency Medical Evacuation

If an emergency strikes, evacuation might be necessary, especially in remote areas. Costs can exceed $100,000 (about 3.6 million THB), but insurance with evacuation coverage removes the financial stress, letting you get the specialised care you need.

8. Preventive Healthcare to Stay Ahead of Health Risks

Insurance often includes preventive care like annual check-ups, vaccinations, and screenings, helping you stay proactive about your health.

 

9. Mental Health Resources

Adjusting to a new country can bring on stress or anxiety. Many health plans include mental health support, such as counselling or therapy, so you can care for your emotional well-being while settling in.

10. Long-Term Health Costs as an Expat

Healthcare expenses can add up over time. With health insurance, you’re protected from the financial strain of long-term treatments and chronic condition management, keeping you financially secure.

Bonus reason: Meeting Visa Requirements

Certain Thai visas, like the retirement visa, require health insurance. Meeting these requirements not only ensures your visa eligibility but also gives you essential coverage.

Take action now: Don’t risk your health in Thailand.

Cigna’s expat health plans are tailored for Thailand, supporting you as you adjust to life abroad. Here’s how Cigna can help:

• Visa Requirements: Cigna plans meet Thailand’s health insurance requirements for long-stay visas.

• Top-tier Hospitals: Gain access to top facilities, like Bumrungrad International, with English-speaking staff and high standards of care.

• Mental Health Support: Coverage for counselling or therapy to promote emotional well-being.

• Long-term Financial Security: Covering everything from prescription meds to emergencies, Cigna provides financial stability.

Choosing Cigna ensures you’re prepared for routine and unexpected healthcare needs, giving you peace of mind as you enjoy your new life in Thailand.

 

T&Cs apply*

 

*Cigna Healthcare reserves the right to amend or withdraw a promotion at any time without notice. This promotion ends on November 30th, 2024. This 10% discount will apply for the lifetime of the policy and is only eligible to new Cigna Global Individual customers. The discount may only be applied by a sales agent and cannot be applied in conjunction with any other offer, except the 10% discount given to policies paid annually in full. If you choose to pay your policy annually in full, your 10% discount will be applied after the 10% annual discount has been applied. Only Cigna Global Individual Policies are eligible for the 10% discount. A minimum purchase value of $2000 for policies based in Europe is applicable. Policies based in the rest of the world require a minimum purchase value of $3000 to be eligible. 

 

Summary of original article by The Thaiger

 

At 83 years old the insurance companies are no longer interested in me or my premium payments. Not a problem for me as I have already agreed with my Thai wife, my partner for over 40 years, that when my time comes, either through illness or old age, I will not bie taken anywhere near a hospital. I will stay at home living as comfortably as possible until I expire. Younger people may take a different view. I would only advise you to think long and hard before committing money to an insurance policy which you may never need.

[jayceenik]

On 11/27/2024 at 4:35 AM, Thingamabob said:

At 83 years old the insurance companies are no longer interested in me or my premium payments. Not a problem for me as I have already agreed with my Thai wife, my partner for over 40 years, that when my time comes, either through illness or old age, I will not bie taken anywhere near a hospital. I will stay at home living as comfortably as possible until I expire. Younger people may take a different view. I would only advise you to think long and hard before committing money to an insurance policy which you may never need.

I'm about your age. I have no health insurance since I retired in LOS at age 50.

I too would rather go away in our home.

Most important, I have a Living Will. In Thai and English on the TH govt aprouved form that you can download on the Net.

Make sure you have one. You only need two TH witnesses.

I told my wife I want my $$$ to go to her after I die and not to waste on expensive care to prolong my life of a little time if it comes to that 

 

 

 

[Thingamabob]

4 minutes ago, jayceenik said:

I'm about your age. I have no health insurance since I retired in LOS at age 50.

I too would rather go away in our home.

Most important, I have a Living Will. In Thai and English on the TH govt aprouved form that you can download on the Net.

Make sure you have one. You only need two TH witnesses.

I told my wife I want my $$$ to go to her after I die and not to waste on expensive care to prolong my life of a little time if it comes to that 

 

 

 

Well said, and thanks for your advice ref the living will.

[Woke to Sounds]

4 hours ago, Thingamabob said:

I would only advise you to think long and hard before committing money to an insurance policy which you may never need.

Thank you for saying this. I'm in full agreement, though I'm about 30 yrs younger than you. No hospitals for me and no more dealing with insur co's. We'll see what my pain threshold is...

[Ben Zioner]

one should secure a good health cover BEFORE moving over to Thailand.

[ignis]

There mostly all the same, do not cover any preexisting conditions.  Not many people in there 70/80 with no preexisting health condition's so for most is a waste of time and money as it is a expensive worthless bit of paper/policy  

[Woke to Sounds]

Let's face reality here, for anyone with the cajones to do it.

 

Insurance co's can suck it.

[Hummin]

It is a money issue, and what you really want to spend money on. As Im only 56, I will have insurance as long I stay in Thailand, I might change my opinion when I get past 75, if I do. But still, it is more of a matter of accidents, and also other more serious health problems that can be dealt with a rountine operation, like an hearth issue, that most likely would put you back 3 millions or more? It could be worth having an insurance handy

[oldcpu]

On 11/29/2024 at 7:55 AM, Ben Zioner said:

That might be right, with a few exceptions. But one should secure a good health cover BEFORE moving over to Thailand.

 

I agree.  Having good health insurance can be very beneficial - especially if one has been on the same health insurance plan for sometime and is not forced to go for a new plan in their later years (ie not forced to look for a new plan in their age 60s to 80s).

 

Back in Europe, shortly after I turned age-50, I had the opportunity to change jobs, that was a very small salary drop, BUT the new job came with a pension, which the old job did not.  Further the pension with the new job provided global subsidized health insurance (for all countries except Canada & USA) where >50% of the pension monthly payments are paid for by the European organization where I worked (before retirement). Further, it has a 'cap' on the monthly amount that I need to pay, ... where from age-70 onward, no matter what my age, I will only pay for ~50% of the premium of a 70 year old. Having subsidized insurance is a BIG benefit as I go further into my 70s (and hopefully live into my 80s).

 

Of  course that approach does NOT help those in their 70s or 80s who are looking for health insurance. ' Closing the barn door after the horse has gone' does not always help.

 

But it IS something those in their 40s and 50s should be thinking about in advance when they are job hunting.  This is especially true if the Health Insurance has excellent coverage.

[bbi1]

You say EXPATS SHOULD HAVE COMPREHENSIVE HEALTH INSURANCE, but no international insurance company offers health insurance for stays of just under a year. If you stay in Thailand as an expat below 12 months, you can only get TRAVEL INSURANCE

[oldcpu]

1 hour ago, bbi1 said:

You say EXPATS SHOULD HAVE COMPREHENSIVE HEALTH INSURANCE, but no international insurance company offers health insurance for stays of just under a year. If you stay in Thailand as an expat below 12 months, you can only get TRAVEL INSURANCE

 

That is inaccurate.

 

It also depends on where you have your home address registered with the health insurance and also depends on the details of your health insurance plan.

 

My home address is registered in Thailand.  My comprehensive health insurance (from Europe) is global, and  as an expat it fully covers me even though typically I am only in Thailand for 9 to 10 months every year (well below 12 months).  In fact it globally covers me everywhere in the world , with the exception it is only 'travel insurance' for USA and Canada , where it only provides something like 6 weeks coverage for those two countries.

[bbi1]

1 hour ago, oldcpu said:

 

That is inaccurate.

 

It also depends on where you have your home address registered with the health insurance and also depends on the details of your health insurance plan.

 

My home address is registered in Thailand.  My comprehensive health insurance (from Europe) is global, and  as an expat it fully covers me even though typically I am only in Thailand for 9 to 10 months every year (well below 12 months).  In fact it globally covers me everywhere in the world , with the exception it is only 'travel insurance' for USA and Canada , where it only provides something like 6 weeks coverage for those two countries.

 

This is what an insurance broker told me when I wanted a health insurance policy, it can't be done, only travel insurance policy if you're staying under 12 months. This is from a well-known insurance broker who was or still is a sponsor of this forum. Therefore, the insurance broker must be wrong??? Or is it because I require coverage for less than 12 months, not the full 12 months? (Eg. Why would I pay for 12 month coverage if all I need is 8 month coverage because I'm staying only for 8 months)

[oldcpu]

9 hours ago, bbi1 said:

This is what an insurance broker told me when I wanted a health insurance policy, it can't be done, only travel insurance policy if you're staying under 12 months. This is from a well-known insurance broker who was or still is a sponsor of this forum. Therefore, the insurance broker must be wrong??? Or is it because I require coverage for less than 12 months, not the full 12 months? (Eg. Why would I pay for 12 month coverage if all I need is 8 month coverage because I'm staying only for 8 months)

 

Yes, it could be because you asked for less than 12 months.

 

Why would would you only need 8 months health insurance?  Are you invulnerable for 4 months of the year when outside of Thailand?  or are you relying on some (less than adequate? ) government health insurance plan for 4 months when outside of Thailand?

 

There are limits to government supplied health insurance.  ..  The last time I was under government health insurance was in 1995, and I have had excellent private health insurance since. IMHO far superior to the public health insurance provided by governments.

 

For example, check out Cigna Global Health insurance.

 

[bbi1]

20 minutes ago, oldcpu said:

 

Yes, it could be because you asked for less than 12 months.

 

Why would would you only need 8 months health insurance?  Are you invulnerable for 4 months of the year when outside of Thailand?  or are you relying on some (less than adequate? ) government health insurance plan for 4 months when outside of Thailand?

 

Because I have free medical coverage for the 4 months I'm in my home country 😉

[oldcpu]

24 minutes ago, bbi1 said:

Because I have free medical coverage for the 4 months I'm in my home country 😉

 

I hope your home country free medical coverage is good for those 4 months.

 

Possibly this is a topic for a different thread, but my experience in Canada, Germany, and Thailand (and talking with expat friends from the UK), is that if one has the money, private health insurance tends to be superior to public medical coverage. 

 

Best wishes in your approach.

 

[oldcpu]

7 hours ago, bbi1 said:

Because I have free medical coverage for the 4 months I'm in my home country 😉

 

Thinking about this further - if this is government health insurance, than I can't help but think you are considered a tax resident in your home country and thus you are currently paying for 12-months of the year ALREADY in your home country (via your home country taxes).    Even government health insurance is NOT free - its just that the payment of such is a bit obscured).  In fact, if its government provided health insurance, I am surprised you even qualify for such given you only spend 4 months of the year in the country.

 

I like Germany's practice where if one has private health insurance up to a certain standard, one can voluntarily leave the German public health care system (and hence pay less tax in Germany!).  However one can never then go back to the German public health care. This is an important consideration (in Germany) for as one gets older, most private health insurance rates go higher and higher and higher and HIGHER .  In contrast the public health care does not (go higher) so many in Germany stay on the government public health care.

 

Canada, on other hand, unlike Germany, does not (to the best of my understanding) provide an income tax payable "deduction" for those who have good private health insurance.  So there is less financial advantage in Canada to have excellent private health insurance (but there is a BIG timely service advantage to have private health insurance).

 

I feel fortunate that I have subsidized private health insurance (part of my pension package) and that my annual health insurance costs do NOT increase after age-70, but even if I reach my 80s and 90s, I will only pay the rate of a 70-year old (again - part of my pension package).

[oldcpu]

7 hours ago, bbi1 said:

Because I have free medical coverage for the 4 months I'm in my home country 😉

 

Another note - in the case of Canada (and Canadian provinces) , if only staying 4 months of the year in Canada, one can NOT obtain free medical coverage from the Canadian Provinces.  One must spend 6-months + 1 day in a Canadian province to qualify for the (less than ideal) Canadian provided health care.

[BEngBKK]

Since I have a Nob-n visa, I just got myself a Thai Social Security (SSO), which gives me free medicine, free access to all public hospitals, and free admission to one private hospital.

It cost me 472 ฿ per month as self sufficient.

You have to work here for a minimum of 6 months and pay tax before you turn 60 to get SSO.