Four Types Of Health Insurance In Thailand

Healthcare costs in Thailand are very high. Thailand has some of the best hospitals in Asia but the treatment costs in these hospitals run into few thousand Bahts. It is advisable to get proper health insurance cover to ensure that all your earnings and savings do not go into financing hospital expenses.

Expats are better off choosing an insurance provider providing best health insurance in Thailand that provides comprehensive insurance plans at competitive premiums. Here are some common types of health insurance in Thailand.

Local insurance

Private insurance companies in Thailand provide local insurance. It is the most accepted health insurance in the country. The insurance coverage is limited in local insurance of Thailand when compared to some of the other countries and there are many exclusions. The plus point of opting for local insurance from the best health insurance in Thailand Company is that it is accepted in majority of the hospitals in the country. Patients need not worry about the long paperwork as hospitals regularly deal with the local insurers and admit the patients after showing the insurance card.

Off shore insurance

Offshore insurance offers high coverage when compared to the local insurance and they do not have stringent age limits. Offshore insurance is not licensed in Thailand and any disputes cannot be contested. Offshore insurance companies offer insurance services to expats and help them to get healthcare facilities at the top hospitals of the country.

Travel insurance

Travel insurance is ideal for short-term coverage. This coverage can vary from a period of few weeks up to a few years. However, expats can get travel insurance from their home country and not in Thailand. This type of insurance is suitable if the expats are planning a short term stay in the country.

Group insurance

Group insurance is ideal for expats who have a family of more than three people or have a company in the country. Most of the health insurance companies offer good discounts on premium for group insurance.

Expats have to be very careful while choosing an insurance provider. They have to select the best health insurance in Thailand provider in order to ensure that they get the best coverage at competitive premiums. It is also important to read the fine print of the agreement and find out about the various inclusions and exclusions before signing on the dotted line.