Health Insurance in Thailand

Health Insurance in Thailand

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  • Use our Easy Claim App to submit claims and hospitalisation requests

  • Access to an extensive medical network in Thailand & throughout Asia

Thailand is one of the top medical tourism destinations in Asia. The country’s private hospitals offer short waiting times, comfortable facilities, and an excellent standard of care. However, they are also more expensive than public hospitals. It is therefore important for expats in Thailand to purchase comprehensive health insurance, so they can make sure their medical costs are covered.

Health insurance for expats in Thailand

How does the healthcare system work in Thailand? 

Healthcare in Thailand is free for Thai citizens under the Universal Health Coverage (UHC) system. This coverage is also available to foreigners with resident status, but to have their health expenses covered, they must seek treatment in public facilities in their area of residence. Their choice, therefore, may be limited.

For this reason, many residents opt for private health insurance coverage, allowing them to be reimbursed if they are treated in the private sector.

> Good to know: In order to limit the increase of its national health expenses, as of 2019 Thailand requires all foreign retirees residing in the country to take out private health insurance. This is an essential condition for applying for or renewing the O-A or O-X non-immigrant visa. Their insurance plan must guarantee a minimum coverage of THB40,000 ($1,200) for outpatient care and THB400,000 ($12,000) for hospitalisation. These caps will likely significantly increase in the near future.

How to choose health insurance in Thailand: local or international? 

Taking out private health insurance allows policyholders in Thailand to avoid some of the disadvantages of the country’s public system. In particular, they can choose their own health professionals and facilities and get treatment outside their area of residence, as well as access private care that is often more readily available.

> Good to know: If you are buying health insurance for the purpose of the O-A visa, it is important to select an insurance provider who is licensed in Thailand. In some cases, applicants with foreign insurance plans have been refused a visa. However, most local insurance plans have very low reimbursement levels and don’t offer coverage outside Thailand, meaning they are not always the best choice for expats either. This is why many policyholders choose to double up on their mandatory local insurance with international health insurance.

What is the cost of healthcare in Thailand?

Examples of reimbursements with MyHEALTH Thailand with ESSENTIAL Outpatient and Dental & Optical benefits in relation to the cost of care in Thailand in the private sector*.

  • GP consultation
    • THB 0.00
    • THB 1,500.00
  • Specialist consultation
    • THB 0.00
    • THB 2,500.00
  • Dental scaling
    • THB 0.00
    • THB 800.00
  • Apendectomy (with 5-day hospitalisation)
    • THB 0.00
    • THB 130,000.00
  • Out-of-pocket expenses
  • APRIL International

Where to get care in Thailand?

Choosing hospitals in Thailand 

In Thailand, there are more private specialist doctors than private general practitioners. As a result, primary care is mainly provided in hospitals, which are therefore quite crowded, especially in the public sector.

In general, private hospitals offer shorter waiting times and a higher level of comfort, but they also tend to be much more expensive, and most are located in the capital, or within other urban tourist areas.

To help policyholders choose the health facility that can best suit their needs, some international health insurers offer their customers a partner network, which includes many trusted health professionals that require no upfront payment.

Healthcare facilities


Bangkok Hospital

+66 2 310 3000

Local call rates apply


Siriraj Piyamaharajkarun Hospital

+66 2 419 1000

Local call rates apply

Chiang Mai

Maharaj Nakorn Chiang Mai Hospital

+66 53 936 150

Local call rates apply

Emergency numbers in Thailand

  • 191
  • 1155
    Tourist police
  • 1554
    Medical emergency

Why choose APRIL International

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