COMPLETE EXPAT HEALTH INSURANCE GUIDE 2026
Health Insurance Thailand: The Complete Expat Guide
Everything you need to know about health insurance as an expat in Thailand. Plans, costs, providers, claims, and real-world advice.
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· Prices and coverage verified
⚡ QUICK ANSWER
What is the best health insurance for expats in Thailand?
The best health insurance depends on your situation. For Thailand-focused coverage, Pacific Cross ($80-200/mo) offers the best value. For international flexibility, IMG Global ($100-250/mo). For premium worldwide coverage, Cigna or AXA ($150-400/mo).
🥇 Pacific Cross – $80-200/month
Best value for Thailand • Accepts up to age 75 (renewable to 99) • OIC approved
🥈 IMG Global – $100-250/month
International coverage • Flexible plans • Good for nomads & travelers
🏆 Cigna / AXA / Allianz – $150-400/month
Premium worldwide coverage • Higher limits • Best hospitals network
⚠️ Important: Pre-existing conditions often excluded or require higher premiums. Always declare your full medical history.
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📊 KEY FACTS: HEALTH INSURANCE THAILAND (2026)
Is health insurance required in Thailand?
No for tourists. Mandatory for O-A/O-X retirement visas since October 2019. (OIC Thailand)
What are the visa insurance requirements?
Embassy: $100,000 USD (3M THB). Extension: 400,000 THB IPD + 40,000 THB OPD at some offices.
How much does expat health insurance cost?
$80–$500/month depending on age, coverage level, and pre-existing conditions.
What happens without insurance?
ER visit: $200–$1,000. Surgery: $4,000–$50,000+. Serious accident: $100,000+.
Are Thai hospitals good quality?
Yes. 68+ JCI-accredited hospitals. Bangkok is a global medical tourism hub. (JCI)
📌 TL;DR – WHICH PLAN FOR YOUR SITUATION?
Retiring in Thailand (O-A/O-X)? → Pacific Cross (OIC approved, best value)
Digital nomad, moving around? → IMG Global (international, flexible)
Want premium coverage? → Cigna / AXA / Allianz (worldwide, high limits)
Over 65? → Pacific Cross (accepts 75, renewable 99) or see senior guide
Pre-existing conditions? → Declare everything. See options →
Just visiting short-term? (less than 185 days) → You need travel insurance, not health insurance
Providers covered in this guide:
Affiliate Disclosure: This page contains affiliate links. We earn a commission if you purchase through our links, at no extra cost to you. This helps us maintain this free resource. Full disclosure
✓ Why Trust This Guide
- • 5+ years helping expats find health coverage in Thailand
- • 500+ expats guided through visa insurance requirements
- • Direct partnerships with Pacific Cross, IMG Global, and others
- • No sponsored rankings — recommendations based on real feedback
- • Updated monthly with current OIC requirements and prices
THE BASICS
Who Needs Health Insurance in Thailand?
Thailand has world-class hospitals, but medical insurance in Thailand is essential because healthcare is not free for foreigners. There’s no public healthcare system you can access as an expat. You either pay out-of-pocket or have insurance.
Here’s who should seriously consider health insurance:
✅ Expats Living in Thailand (6+ months)
If you’re living here long-term, annual health insurance is essential. One serious illness or accident can cost $20,000-$100,000+. Travel insurance doesn’t cut it for extended stays. Best options: Pacific Cross or IMG Global for value, Cigna or AXA for premium coverage.
✅ Retirees on O-A or O-X Visas
Health insurance is legally required for O-A and O-X retirement visas. Minimum: 40,000 THB outpatient + 400,000 THB inpatient. Best options: Pacific Cross (accepts up to age 75 (renewable to 99), best value), or Cigna/AXA for comprehensive coverage. See our O-A visa requirements guide and OIC-approved insurance list.
✅ Digital Nomads & Remote Workers
Working remotely from Thailand for several months? You need coverage that works here and when you travel. Best options: IMG Global (flexible international), Genki (budget-friendly for nomads), or SafetyWing Remote Health.
✅ Families with Children
Kids get sick. A lot. Outpatient coverage becomes essential with children. Many international schools also require proof of health insurance for enrollment. Best options: Pacific Cross (family plans), IMG Global, or Cigna for comprehensive family coverage. For shorter trips, see our family travel insurance guide.
⚠️ Short-term Tourists (under 3 months)
For short trips, travel insurance is usually better value and easier to buy. Check our travel insurance guide instead for options like SafetyWing or World Nomads.
WHY IT MATTERS
What Happens Without Insurance? Real Cost Scenarios
These aren’t hypotheticals—they’re real situations expats face in Thailand. See our complete guide to healthcare costs for more details.
💡 With Insurance? You Pay Your Deductible Only
A typical health insurance plan with $500-$1,000 deductible would cover all three scenarios above. Your total out-of-pocket: $500-$1,000 instead of $11,700-$45,000+.
Pacific Cross (Best Value)
from $80/mo
IMG Global (Flexible)
from $100/mo
Cigna Global (Premium)
from $150/mo
THE SMART CHOICE
Insurance Costs Less Than One Hospital Visit
A year of comprehensive health insurance ($960-$3,600) costs less than a single surgery at a Thai private hospital. The math is simple: insurance pays for itself the first time you need serious care.
Real example: A 45-year-old expat pays $150/month for Pacific Cross coverage ($1,800/year). After an emergency appendectomy ($6,000), the insurance covered everything minus a $500 deductible. Savings: $5,500 in year one alone.
PLAN TYPES EXPLAINED
Types of Health Insurance in Thailand
There are three main categories of health insurance Thailand plans available. Understanding the differences is crucial for making the right choice:
International Health Insurance
Global coverage from major insurers. Works in Thailand and worldwide (or regionally). The gold standard for expats who travel.
PROS:
- ✓ Coverage worldwide or regional
- ✓ High limits ($1M-$5M+)
- ✓ Direct billing at premium hospitals
- ✓ Portable if you move countries
CONS:
- ✗ More expensive ($150-500/mo)
- ✗ May be overkill if you stay in Thailand
Providers: IMG Global, Cigna, AXA, Allianz
Local Thai Insurance
Thai-based insurers offering plans for residents. Significantly cheaper but Thailand-focused (some include Asia coverage).
PROS:
- ✓ Much cheaper ($80-200/mo)
- ✓ Good local hospital networks
- ✓ Often visa-compliant (O-A/O-X)
- ✓ Accepts older applicants (up to 80)
CONS:
- ✗ Limited coverage outside Thailand
- ✗ Lower coverage limits
Providers: Pacific Cross, Luma Health, Thai Health
Thai Social Security
If you work legally for a Thai company, you’re enrolled in Social Security. Basic healthcare at designated hospitals.
PROS:
- ✓ Very cheap (5% of salary)
- ✓ Automatic if employed
- ✓ Covers basic care
CONS:
- ✗ Must use designated hospital
- ✗ Long wait times
- ✗ Limited services
- ✗ Only for legal employees
Best for: Supplement only—most expats add private insurance
Understanding: Inpatient vs Outpatient Coverage
🏥 Inpatient (Hospitalization)
Covers treatment where you stay overnight in the hospital:
- • Surgery (emergency and planned)
- • Hospital room and board
- • ICU/intensive care
- • Cancer treatment (chemo, radiation)
- • Serious illness/accidents
🩺 Outpatient (Day visits)
Covers treatment where you go home the same day:
- • Doctor consultations
- • Prescription medications
- • Diagnostic tests (blood, X-ray)
- • Minor procedures
- • Specialist referrals
💡 Pro tip: Many expats choose inpatient-only plans to save money, then pay for outpatient visits out-of-pocket. A doctor visit in Thailand costs $30-80—manageable without insurance. But a week in the hospital can cost $10,000+—that’s where insurance matters most.
🤔 NOT SURE WHICH TYPE IS RIGHT FOR YOU?
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PROVIDER COMPARISON
Compare Health Insurance Providers in Thailand
The most popular health insurance Thailand options for expats. Click to get a quote.
Pacific Cross
Thailand-Focused
Starting from
$80/mo
-
Coverage
Thailand + Asia -
Max limit
$200K-$1M -
Direct billing
✓ 400+ hospitals -
Max age
75 years -
Visa compliant
✓ O-A/O-X
IMG Global
International Coverage
Starting from
$100/mo
-
Coverage
Worldwide -
Max limit
$1M-$8M -
Direct billing
✓ Global network -
Max age
74 years -
Best for
Nomads/Expats
Cigna Global
Premium Worldwide
Starting from
$150/mo
-
Coverage
Worldwide -
Max limit
$1M-$2M -
Direct billing
✓ 200+ hospitals -
Max age
74 years -
Visa compliant
✓ Yes
AXA Global
Comprehensive Global
Starting from
$150/mo
-
Coverage
Worldwide -
Max limit
$1.5M-$3M -
Direct billing
✓ Global network -
Max age
74 years -
Visa compliant
✓ Yes
Need help comparing? We also work with Allianz, Luma Health, APRIL and other providers.
SIDE-BY-SIDE COMPARISON
Health Insurance Thailand: Full Comparison Table
Compare all key features at a glance to find the best plan for your situation.
Prices are estimates for a 40-year-old with standard coverage. Actual rates depend on age, health history, and coverage options. Last updated: January 2026.
IN-DEPTH REVIEWS
Detailed Health Insurance Thailand Provider Analysis
Pacific Cross
Best value for Thailand-focused coverage
Pacific Cross is a Thailand-based insurer operating in Asia for 50+ years. They offer significantly lower premiums than global insurers while providing solid coverage. The standout feature? They accept applicants up to age 75—one of the highest in the market. Perfect for retirees and expats who don’t travel outside Thailand often.
STRENGTHS
- ✓ 30-50% cheaper than international plans
- ✓ Accepts applicants up to age 75
- ✓ OIC-approved for O-A/O-X visas
- ✓ Good local hospital network (100+)
- ✓ Thai-based support team
LIMITATIONS
- ✗ Limited coverage outside Thailand/Asia
- ✗ Lower maximum limits than global insurers
- ✗ Claims processing in Thailand hours
Plans: Premiere ($80-150/mo), Executive ($150-250/mo), Elite ($250-350/mo) • Age limit: Up to 80 for new applicants
IMG Global
Flexible international coverage
IMG Global is a US-based international health insurance company with a strong presence in Asia. Their Global Medical Insurance plan is designed for expats and digital nomads who need flexibility. Good balance of coverage and price, with plans that work whether you’re in Thailand, traveling through Asia, or going back home temporarily.
STRENGTHS
- ✓ True worldwide coverage
- ✓ High limits ($1M-$8M)
- ✓ Flexible deductible options
- ✓ Good for nomads who move around
- ✓ Online claims portal
LIMITATIONS
- ✗ May not be OIC-approved for visas
- ✗ Customer service in US time zones
- ✗ Max entry age 74
Plans: Silver ($100-180/mo), Gold ($180-280/mo), Platinum ($280-400/mo) • Deductibles: $0 to $25,000 • Age limit: Up to 74
Cigna Global
Premium international option
Cigna Global is one of the most recognized names in international health insurance. They offer excellent coverage with a massive hospital network including all major Bangkok hospitals (Bumrungrad, Bangkok Hospital, Samitivej). Strong reputation for paying claims. Three tiers let you balance coverage and cost.
STRENGTHS
- ✓ Excellent hospital network (Bumrungrad, etc.)
- ✓ Easy online claims portal
- ✓ 24/7 English customer service
- ✓ Strong claims payment reputation
- ✓ Portable if you move countries
LIMITATIONS
- ✗ Premium pricing
- ✗ Dental/vision not included
- ✗ Maternity has 12-month waiting period
Plans: Silver ($150-250/mo), Gold ($250-350/mo), Platinum ($350-500/mo) • Deductibles: $0 to $5,000 • Age limit: Up to 74
Other Premium Options
AXA Global Healthcare
PREMIUM
Comprehensive global coverage with strong presence in Asia. Similar to Cigna with excellent hospital networks. Good option if you want to compare quotes from multiple premium providers.
Prices: $150-400/mo • Coverage: Worldwide, $1.5M-$3M limits
Allianz Worldwide Care
PREMIUM
One of the world’s largest insurers. Highest coverage limits ($2-5M+) and truly global network. Best for high-net-worth individuals, executives, or those wanting maximum protection regardless of cost.
Prices: $200-500+/mo • Coverage: Worldwide, $2M-$5M+ limits
Luma Health (formerly APRIL Thailand)
LOCAL
Thailand-focused insurer, similar to Pacific Cross. Good value, popular among long-term expats. OIC-approved for visa compliance.
Prices: $60-150/mo • Coverage: Thailand, up to $500K
BUDGET-FRIENDLY OPTIONS
Health Insurance for Digital Nomads & Young Expats
If you’re under 40, healthy, and on a tight budget, these options offer real health coverage (not just travel insurance) at lower prices. Perfect for digital nomads and remote workers in Thailand.
Genki
Health insurance for nomads
💰 BUDGET
German-based health insurance designed specifically for digital nomads and remote workers. Real health coverage (not travel insurance) with worldwide coverage excluding US.
-
Monthly cost
From €35/mo (~$38) -
Coverage
Worldwide (excl. US) -
Max limit
€1-5 Million -
Best for
Nomads under 40
SafetyWing Remote Health
Full health coverage for remote workers
🌍 NOMAD
Not their travel insurance (Nomad Insurance)—this is actual health insurance for remote workers. Includes outpatient, prescriptions, and preventive care. Good for those wanting comprehensive coverage.
-
Monthly cost
From $180/mo -
Coverage
Worldwide -
Outpatient
✓ Included -
Best for
Remote workers, startups
⚠️ Note: Budget options like Genki and SafetyWing Remote Health are great for young, healthy nomads. If you’re over 50, have pre-existing conditions, or need visa-compliant insurance, consider Pacific Cross or one of the premium options instead.
🎯 NEED HELP DECIDING?
Get Help With Your Options
Tell us your age, budget, and coverage needs. We’ll compare Pacific Cross, IMG Global, Cigna, AXA, and other providers to find the best match for you.
Free service • No obligation • Response within 24 hours
PRICING GUIDE
Health Insurance Thailand Costs by Age
Age is the biggest factor in health insurance pricing. Here’s a realistic breakdown of monthly costs across different providers:
Over 60? See our dedicated guide: Health Insurance for Expats Over 60 in Thailand.
💡 Ways to Reduce Your Premium
Choose a higher deductible: A $1,000-$2,500 deductible can reduce premiums by 20-40%. Good if you’re healthy and have savings for minor emergencies.
Skip outpatient coverage: Inpatient-only plans are much cheaper. Pay for doctor visits out-of-pocket (they’re $30-80 in Thailand anyway).
Choose regional coverage: An “Asia-only” plan costs 20-40% less than worldwide coverage. Good if you don’t travel to the US/Europe often.
Pay annually: Most insurers offer 5-10% discount for annual payment instead of monthly.
Consider Pacific Cross: For Thailand-focused coverage, Pacific Cross is typically 30-50% cheaper than international alternatives with similar benefits.
DECISION GUIDE
How to Choose the Right Health Insurance
Follow this step-by-step process to find the right health insurance Thailand plan:
Determine your coverage area
Do you need coverage only in Thailand, across Asia, or worldwide? If you rarely leave Thailand, a local plan like Pacific Cross saves 30-50%. If you travel to the US/Europe regularly, you need an international plan like IMG Global or Cigna.
Decide on inpatient vs outpatient
Inpatient-only is cheaper and covers the big risks (hospitalization, surgery). Add outpatient if you have kids, chronic conditions that need monitoring, or prefer the convenience of covered doctor visits.
Choose your deductible
Higher deductible = lower premium. A $1,000-$2,500 deductible means you pay the first portion of claims each year. Choose high if you’re healthy and have savings; choose $0 if you want everything covered from the first dollar.
Check the hospital network
Make sure your preferred hospitals are in-network for direct billing. Most international insurers cover major Bangkok hospitals. Pacific Cross has 100+ Thai hospitals in their network.
Get multiple quotes
Prices vary significantly between insurers for similar coverage. Get at least 2-3 quotes. We can help you compare options for free.
🎯 Quick Guide by Situation
Retiree on O-A/O-X visa
Pacific Cross — OIC-approved, accepts up to age 75 (renewable to 99), best value
Digital nomad / Remote worker
IMG Global or Genki — flexible worldwide coverage
Family with children
Pacific Cross (budget) or Cigna/AXA (comprehensive with outpatient)
Executive / High income
Cigna, AXA, or Allianz — premium coverage, highest limits
Budget-conscious (under 40)
Genki (from $38/mo) or SafetyWing
Pre-existing conditions
Contact us — we’ll find options that cover your conditions. Also see our pre-existing guide
PRACTICAL GUIDE
How to Use Your Insurance & Make Claims
Understanding how to use your health insurance Thailand policy before you need it saves stress when you’re sick.
✓ Direct Billing (Cashless) — The Easy Way
The hospital bills your insurer directly—you don’t pay upfront (except your deductible if applicable).
How it works:
- Call your insurer’s 24/7 line before or when you arrive at the hospital
- Give them your policy number and explain the situation
- They contact the hospital and confirm coverage (GOP – Guarantee of Payment)
- Hospital treats you; insurer pays the hospital directly
- You pay only your deductible (if applicable) and sign discharge forms
⚡ Reimbursement Claims — Pay First, Claim Later
If the hospital isn’t in-network or for outpatient visits, you pay first and claim later.
How it works:
- Pay the hospital yourself (keep ALL receipts!)
- Collect all receipts, invoices, medical reports, and prescriptions
- Submit claim online (most insurers have apps/portals) or by email
- Insurer reviews and reimburses within 5-15 business days to your bank account
📋 Claims Tips for Smooth Processing
- Keep everything: Original receipts, medical reports, prescriptions, referral letters. Take photos as backup.
- Submit quickly: Most insurers require claims within 30-90 days of treatment.
- Get itemized bills: Detailed invoices process faster than summary receipts.
- Download the app: Most insurers have mobile apps—set it up before you need it.
- Save emergency numbers: Add your insurer’s 24/7 hotline to your phone contacts now.
PEACE OF MIND
Good Insurance = Worry-Free Healthcare
With the right health insurance, you can walk into any major hospital in Thailand knowing you’re covered. No stress about costs. No delays waiting for approval. Just focus on getting better.
What direct billing feels like: You show your insurance card, they verify in minutes, and you see the doctor. When you leave, you sign a form and walk out. That’s it. The insurer handles the rest.
IMPORTANT TO KNOW
Understanding Waiting Periods
Most health insurance Thailand plans have waiting periods—time before certain benefits become active. This prevents people from buying insurance only when they’re already sick.
💡 Pro tip: Get insured before you need it. Waiting periods start from your policy start date, so the sooner you sign up, the sooner you’re fully covered. Don’t wait until you have health issues.
SPECIAL CONSIDERATIONS
Pre-existing Conditions & Health Insurance
Pre-existing conditions are health issues you have before buying insurance. How insurers handle them varies significantly:
❌ Full Exclusion
The condition and any related complications are never covered. Most common approach for serious conditions like cancer history or heart disease.
⏳ Moratorium
Condition excluded for 12-24 months. If no treatment needed during that time, it may be covered afterward. Common for controlled conditions like hypertension.
✓ Coverage with Loading
Higher premium (10-50%+) but the condition is covered. Available for some minor conditions or with certain insurers willing to take the risk.
Common Pre-existing Conditions & Typical Treatment
Hypertension: Moratorium or loading
Asthma: Often accepted with loading
Heart disease: Usually excluded
Cancer history: Usually excluded
Mental health: Often excluded
Have pre-existing conditions? Read our complete guide: Pre-existing Conditions & Insurance in Thailand.
🏥 HAVE PRE-EXISTING CONDITIONS?
We Can Help Find Coverage
Not all insurers treat pre-existing conditions the same way. Tell us your situation and we’ll find providers most likely to offer coverage—or the best terms.
WHERE TO GET TREATED
Best Hospitals in Thailand for Expats
Thailand has world-class hospitals. Most major insurers have direct billing agreements with these facilities:
🏥 Bangkok
- • Bumrungrad International
- • Bangkok Hospital
- • Samitivej Sukhumvit
- • BNH Hospital
- • Vejthani Hospital
🏥 Chiang Mai
- • Bangkok Hospital Chiang Mai
- • Chiang Mai Ram Hospital
- • Rajavej Chiang Mai
🏥 Phuket & Islands
- • Bangkok Hospital Phuket
- • Phuket International Hospital
- • Bangkok Hospital Samui
🏥 Pattaya & East
- • Bangkok Hospital Pattaya
- • Pattaya International Hospital
- • Bangkok Hospital Rayong
For a complete guide including costs and specialties, see: Best Hospitals in Bangkok for Foreigners.
⚠️ BUYER BEWARE
Red Flags: What to Avoid When Buying Insurance
Not all insurance is created equal. Watch out for these warning signs:
Prices that seem too good to be true
If a plan costs half of competitors, read the fine print. Usually means low limits, high exclusions, or caps on benefits. Quality health insurance Thailand coverage has a floor price.
No direct billing network
Reimbursement-only plans mean you pay everything upfront. Can be a problem if you need expensive emergency care and don’t have cash available.
Sub-limits on everything
Watch for plans that advertise “$1M coverage” but have $5,000 limits on surgery, $200/day room limits, etc. The headline number is meaningless if sub-limits are restrictive.
Co-insurance after hospital stay
Some plans only cover 80% of hospitalization costs after a certain number of days. A long hospital stay could leave you with a huge bill.
Aggressive annual premium increases
Ask about their history of rate increases. Some insurers raise rates 15-20%+ annually, making the plan unaffordable within a few years.
No guaranteed renewal
Quality insurers guarantee renewal regardless of claims. Avoid plans that can drop you after you get sick. Check the policy wording carefully.
✓ Safe choices: Established insurers like Pacific Cross, IMG Global, Cigna, AXA, and Allianz have proven track records of paying claims and treating customers fairly. Stick with reputable providers.
COMMON QUESTIONS
Health Insurance Thailand FAQ
Is health insurance mandatory in Thailand?
For most expats, no. However, it’s legally required for O-A and O-X retirement visas since October 2019. You must have coverage of at least 40,000 THB outpatient and 400,000 THB inpatient from an OIC-approved insurer. For other visa types, it’s optional but highly recommended.
How much does health insurance cost in Thailand?
Expect to pay $80-$500+ per month depending on your age and coverage level. Budget options like Pacific Cross start around $80/month for a 40-year-old. Premium international plans from Cigna or AXA can exceed $500/month for older applicants with comprehensive coverage.
What’s the best health insurance for expats in Thailand?
Pacific Cross offers the best value for Thailand-focused coverage, especially for retirees (accepts up to age 75 (renewable to 99)). IMG Global is best for digital nomads who need worldwide flexibility. Cigna and AXA are top choices for premium, comprehensive coverage. The “best” depends on your age, budget, and needs.
Can I get health insurance in Thailand over 60 or 70?
Yes, but options narrow as you age. Most international insurers cap entry at 74 years. Pacific Cross accepts applicants up to age 75, making it the best option for older expats. Expect higher premiums—typically $300-700/month for ages 65-80. See our over 60 guide for details.
What is OIC-approved insurance?
OIC stands for Office of Insurance Commission, the Thai insurance regulator. For O-A and O-X retirement visas, you need insurance from an OIC-approved insurer with minimum coverage of 440,000 THB total (40,000 outpatient + 400,000 inpatient). Pacific Cross is OIC-approved. See our OIC insurance guide.
Does travel insurance cover me if I live in Thailand?
No. Travel insurance is designed for short trips, not long-term residence. Most policies have 30-90 day limits and won’t cover ongoing conditions or routine care. If you’re living in Thailand more than 3-6 months, you need proper health insurance, not travel insurance.
What’s the difference between inpatient and outpatient coverage?
Inpatient covers hospitalization—when you’re admitted overnight for surgery, serious illness, or accidents. Outpatient covers same-day visits—doctor consultations, prescriptions, diagnostic tests. Many expats choose inpatient-only to save money, paying for outpatient visits out-of-pocket ($30-80 per visit in Thailand).
Are pre-existing conditions covered?
It depends on the condition and insurer. Minor, controlled conditions (like mild hypertension) may be covered after a waiting period or with a premium loading. Serious conditions (cancer, heart disease) are usually excluded permanently. Always disclose your full medical history—non-disclosure can void your policy entirely.
How does direct billing work at Thai hospitals?
With direct billing (also called cashless), the hospital bills your insurer directly—you don’t pay upfront. Call your insurer’s 24/7 line, they issue a Guarantee of Payment to the hospital, and you just pay your deductible (if any). Most major Bangkok hospitals support direct billing with established insurers.
Can I use my insurance if I travel outside Thailand?
Depends on your plan. International plans (IMG Global, Cigna, AXA, Allianz) cover you worldwide or regionally. Local Thai plans (Pacific Cross, Luma) typically cover Thailand plus limited Asia coverage (30-90 days abroad). Check your policy’s geographic scope before traveling.
What’s not covered by health insurance?
Common exclusions include: cosmetic procedures, dental (unless added), vision/glasses, fertility treatments, self-inflicted injuries, injuries from illegal activities, pre-existing conditions (usually), experimental treatments, and injuries from extreme sports (unless added). Always read the policy exclusions carefully.
How do I choose between Pacific Cross and international insurers?
Choose Pacific Cross if: you stay mainly in Thailand, want the best value, or need OIC-approved coverage for retirement visas. Choose international insurers (IMG, Cigna, AXA) if: you travel frequently to the US/Europe, want higher coverage limits ($1M+), or need worldwide portability.
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