Steps on how to apply for a Thailand Expat Health Insurance

Thailand’s health care system is one of the most impressive in the world. The country’s universal healthcare system provides high-quality care to all its citizens and foreigners on medical tourism. So foreign nationals can explore the Thailand Expat Health Insurance coverage.

Every year, millions of people from all over the world come to Thailand for its world-class medical care. Thai doctors and hospitals are some of the best in the world, and they offer a wide range of services at a fraction of the cost of medical care in developed countries.

However, before making a decision, you should understand the health insurance system and available coverage options. This guide will walk you through the steps involved in applying for Thailand ex-pat health insurance, its benefits, and available options.

About Thailand 

You will also find this guide more helpful and interesting as we share with you quick facts about Thailand.

Thailand, also known as the Kingdom of Thailand, is a Southeast Asian country located at the center of the Chinese peninsula. It is the world’s 50th most populous country with a population of over 68 million people; Bangkok is the capital and most populous city. The official language of Thailand is Thai.

The cost of living in Thailand is relatively low when compared to other countries in Southeast Asia. The average monthly expenditure for a single person is around $500, which covers food, transportation, and utilities. Rent for a one-bedroom apartment in the city center can range from $250-$350.

The security index in Thailand is high. The country’s crime rate is low, and it has a stable political environment.

The country practices a constitutional monarchy and parliamentary democracy.

What is Thailand Expat Health Insurance?

Thailand Expat Health Insurance is a type of insurance specifically designed for foreigners living in Thailand. It covers both inpatient and outpatient treatment, as well as provides coverage for emergency evacuation.

Thailand Expat Health Insurance coverage options 

You have the option of Public Thailand health insurance and Private health insurance as an ex-pat in Thailand. Meanwhile, there are eligibility criteria that determine the option best for you.

Thailand Public Health Insurance for ex-pat workers 

If you are employed in Thailand as a foreigner, you will have free access to public healthcare services. This is possible because you will contribute 5% of your monthly income to Thailand’s social security scheme as a worker, citizen, or foreigner. This fund is used to offset workers’ medical services and make the Universal Coverage Scheme (UCS) efficient.

The scheme required that you are enrolled and assigned to a specific hospital to receive all medical services for free. You have the privilege to choose your preferred hospital that is approved by Thailand’s social security scheme.

You can subscribe to the Thailand social security scheme as self-employed, but you will pay the monthly premium contributions to enjoy the benefits.

Thailand Public Health Insurance Benefits 

  • You and your family will have access to free medical care.
  • You can access medical care any day and time of the week except Saturdays.
  • You are free from the anxiety of huge hospital bills.
  • The health personnel is well trained and her always at your service.
  • You have access to routine medical check-ups to maintain a healthy lifestyle.
  • You can enroll up to three children at a time if you have contributed to the scheme for not less than a year in three years. The children must not exceed fifteen years.
  • You will be entitled to old age benefits if you have contributed to UCS for one hundred and eighty months. The benefits include elderliness pension monthly and gratuity.

Limitations of Thailand Public Health Insurance 

  • You can’t explore different hospitals for medical treatment because you are attached to one health facility.
  • You won’t be able to access medical services if you lose your job.
  • You may sometimes experience delays in accessing doctors due to many patients.
  • You may not have the opportunity of being attended to by a specific document unless in critical situations or emergencies.

Thailand Private health insurance for ex-pats

You won’t be denied health insurance in Thailand if you are a non-working ex-pat. Private health insurance is readily available for your access but not free of charge. This option allows you to explore different health facilities, both public and private, for maximum satisfaction. Private health insurance for ex-pats is of two types: a Domestic health insurance package and an international health package.

You should note that ex-pats in Thailand that are sixty years and above must subscribe to Thailand’s private health insurance.

Domestic health insurance package 

This package will allow you to access medical services within Thailand and its borders. However, outside the country, you will be financially responsible for all medical care and emergencies.

International health insurance package 

This insurance package offers wider coverage because you can receive treatment within and outside the shores of Thailand. Therefore, this package is mainly used by foreign nationals traveling abroad.

You can use the services of any of the listed insurance brokers to subscribe to the package.

  • MSH International health insurance
  • Global Albatross
  • Allianz Care
  • Aetna
  • Pacific Prime
  • Bupa
  • Insubuy
  • International citizens insurance

Thailand Private health insurance Benefits 

  • You will have access to doctors and other health personnel without delay.
  • You won’t have communication challenges because there are a good number of English-speaking health personnel.
  • The hospitals are well equipped with modern facilities, so quality healthcare delivery is guaranteed.
  • The cost of accessing medical treatment is not high compared to competing countries like the United States, the UK, Russia, etc.
  • It helps boost foreign earnings due to the rise in Medical tourism of foreign nationals to private health insurance.

How to apply for a Thailand Expat Health Insurance 

If you are an ex-pat employed in Thailand who wishes to apply for Thailand public Expat Health Insurance, your employer will do that for you.

You need to provide your employer with necessary information like the address of the hospital you prefer to be attached to, marital status, and some dependents with proof, if any.

The employer will apply through the office of the social security scheme in Thailand or their official website. The application will be processed, and a Social Security Number and Identity card will be issued to you through your employer.

If you wish to apply for Private health insurance, you should choose from the various insurance broker listed above.

You should browse through the different packages and choose the best for you.

Check all the required information and documents and pay the necessary fee. The travel health insurance card will issue as soon as it is ready.

Self-employed ex-pats below sixty years can visit the Social Security scheme office to apply for Thailand Expat Health Insurance or the official website for details.

Thailand Expat Health Insurance coverage 

The type of health insurance you subscribe to determines the health coverage you will enjoy. For example, if you subscribe to Public Health Insurance as an ex-pat worker, the package covers the followings healthcare services for free:

  • Medical consultation, tests, and treatment
  • Hospital admission and discharge
  • Prescription medicine
  • Ambulance fees
  • Rehabilitation
  • Health promotion
  • Nursing services
  • X-rays and scans
  • You will pay 50% of your salary for three months while on maternity leave, which covers the first and second children.
  • You will receive 50% of your monthly income if you are on sick leave for up to six months. If you are intensive care, you will receive 50% income for one year.
  • You won’t pay for minor dental consultations and treatment.

Similarly, Private health insurance covers most of the healthcare coverage by the public, but you have to pay. Also, the International health insurance package covers the cost of International medical evacuation and repatriation.

Read Also: Thailand Business Visa – Requirements and Documentation

Frequently Asked Questions (FAQs)

At what age can I subscribe to Thailand Social security scheme?

 You are eligible to subscribe to the scheme if you are fifteen years but less than sixty years. You should also be employed in any Thailand company or organization.

How does Thailand Expat Health Insurance cost? 

You will contribute 5% of your monthly salary to enjoy public health insurance in Thailand. The minimum wage of a worker in Thailand in a month is THB 1,650, so the 5% is THB 83; you can pay as high as THB 750. Meanwhile, the private health insurance cost depends on the package you subscribe to, but none is below THB72, 500 yearly.

When was the social security scheme contribution reduced in Thailand? 

The government of Thailand reduced the security fund contribution from 5% to 3% in the first quarter of 2021 as a measure of covid 19 recovery plans.

Who needs a Thailand Non-immigrant visa? 

Thailand Non-immigrant visa is necessary for citizens of certain countries who want to visit Thailand for tourism, business, or medical reasons. A Thailand Non-immigrant visa also allows citizens of other countries to stay in Thailand for up to 90 days without a new Thailand visa each time they visit.

Conclusion

In conclusion, if you are looking for information on how to apply for Thailand Expat Health Insurance, this guide will help you. If you are a foreigner living in Thailand or an ex-pat returning home, it is necessary to have health insurance in

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