Can Foreigners Buy Health Insurance in Thailand?

by TipTop Travel

Of course, you can! Actually, having health insurance is recommended no matter where you are. “Expect the unexpected” is what you have to keep in mind. No one wants to get sick but unfortunately, that’s impossible. You WILL get sick at least once in your life and you’ll want to make sure that some parts or all of the expenses for your treatment will be taken care of without costing an arm and a leg. Moreover, to be able to come to Thailand, health insurance is one of the requirements needed for your COE. Let’s get to know how the health insurance system in Thailand works.   

How does Thai insurance work?

To make this easy for you, most of the time, every insurance plan you find in Thailand will come with limitations of each expense category (benefit limit plans). For example, You have influenza and have to be admitted in a hospital. You bought health insurance that has the limit for room expense at 8,000 baht per day but the actual cost of the room is 10,000 baht per day. This means that you’ll have to pay extra 2,000 baht for the room even though your overall coverage limit is 1,000,000 baht.

You want to check carefully on the insurance plan that you bought or want to buy. How many categories do they have and what’s the coverage of each category. Keep in mind that they might stop your treatment if you reach the coverage limitation and you can’t prove that you’re able to afford further treatment from your own pocket.

Insurance requirement for COE

As I’ve already mentioned, health insurance is needed if you want to apply for your COE to be able to come to Thailand during the pandemic. The requirements of your insurance are below:

  • A minimum coverage of 100,000 USD.
  • The insurance has to cover the whole period of your stay in Thailand.
  • The medical coverage has to cover the cost of COVID-19 treatment in Thailand.

If you have any more questions about “Covid entry insurance”, you can find more details from Royal Thai Embassy’s website, or check out any reliable insurance agency’s website – Mister Prakan –for example.

Social Security

Anyone who works legally in Thailand will receive health insurance through Social Security. Your salary will be deducted 5% or a maximum of 750 baht for Social Security every month. You can get treatment and medicine for free (limited procedures and medicine, though) with only one hospital that you chose from the Social Security Hospital List. Most of the time, you’ll see a long queue if you go to Social Security hospitals and because of the long waiting time plus limited treatment, people still prefer buying their health insurance from a private company, so they can get their treatment in better hospitals with shorter lines.

Where can you buy health insurance?

Before COVID-19 happened, people usually bought their health insurance with insurance agents or insurance brokers, but since the pandemic started, buying insurance online is the preferred way because you don’t have to risk getting the virus from outside.  A lot of agencies have various plans for health insurance that you can choose from according to your budget and Mister Prakan is one of them. They compare insurance plans from various insurance companies to make sure that you have the right plan for you and your loved ones within your budget.

Buying health insurance was optional, but because of the spread of COVID-19 around the globe, it is now mandatory if you want to visit Thailand. If you’ve decided to come, consider contacting us, Tiptop Travel to arrange a private, luxury tour tailored just for you with a reliable “Covid Entry Insurance” that can guarantee the approval of your COE from Mister Prakan. You won’t be disappointed!

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