Thailand is famous for its beaches, sunshine, and quality healthcare. Many expats who choose to relocate here for work or to live on a long-term contract take out private health insurance so they have access to the country’s top hospitals. AIA HB Extra have shorter waiting times, doctors who speak English, and luxury facilities and rooms. Many also offer specialist care for expats, catering to the needs of those unfamiliar with Thailand’s culture and language.

It’s worth remembering that private medical insurance isn’t guaranteed to cover pre-existing conditions and can come with deductibles, coinsurance, or copays. These are a percentage of the cost of treatment that the policyholder must pay before coverage begins. Choosing a plan that includes maternity coverage is important for those expecting a child, as most policies provide full coverage up to the end of the pregnancy and postpartum recovery period.

Common Pitfalls to Avoid When Buying Health Insurance in Thailand

For those on a work visa in Thailand, your employer may be able to enroll you into the country’s social security scheme. This is funded through salary deductions and entitles you to free public healthcare in specific hospitals. However, this only covers certain services and the hospitals are limited so many expats decide to purchase private insurance.

Whether you’re working on a short-term contract or moving to Thailand permanently, it may be a good idea to look for a plan that provides worldwide healthcare coverage. This will ensure you can be transported out of the country in an emergency, should the need arise, to a hospital that has better facilities and equipment.