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Expat Guide to Health Insurance in Thailand

Many of you will agree that having good health insurance is very important, especially if you are an expat living in another country. Even if you try your best to exercise and eat healthily, there’s still a chance of getting sick which might require the attention of a medical professional.

Living in Thailand does not exempt you from that so, it is important for you to have proper healthcare. Before moving to Thailand, it is good to familiarize yourself with the usual healthcare info for tourists, as well as the best health facilities in Thailand. The good news is, Thailand offers good healthcare facilities and doctors and health insurance is widely available.

Read on to find more information on health insurance in Thailand.

So what do you need to know about health insurance in Thailand?

The Thai government requires expats to have health insurance and those who are legally working are qualified for social security. To fund this, the government deducts 5% of your monthly salary and this gives you free medical consultations and medicines when you go to a government hospital. However, government hospitals usually have long queues and the medicines provided are generic.

As an alternative, you may opt to get private health insurance which will give you access to better healthcare from private medical facilities. There are a lot of options, but a popular local health insurance provider is Thai Health and if you want to avail of an international health insurance, the usual options are Pacific Prime, Allianz, and Bupa Thailand.

Learn how to apply for health insurance.

To apply, all you need to do is choose which health insurance fits your budget and sign-up for it. Then, submit the requirements needed and if the provider says you are qualified, you would be getting a health card which you can present whenever you want to avail of medical services.

If you don’t have health insurance, how much can you expect to pay for doctor’s consultation fees?

As mentioned above, when you have a social security, you are entitled to free healthcare and you can avail that in a government hospital but, if you don’t have this or a private health insurance, it won’t cost you much to see a doctor. In fact, one of the perks of living in Thailand is the affordability of healthcare so, it will only cost you around $8-$20 to see a doctor in a private clinic or hospital.

Don’t forget…

The climate in a tropical country, like Thailand, is a great breeding ground for different viruses so it is important to be prepared. Therefore, it is a must for an expat to have health insurance if you plan to live in this beautiful country.


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