Health insurance is crucial for everyone, especially for expatriates residing in Thailand who seek high-quality and convenient medical care. Expat health insurance is particularly important for those living in Thailand long-term, whether for work, marriage, retirement, or relocation, and who hold long-term visas, including student visas.
With numerous expat health insurance plans available in the market, finding the right policy for one's lifestyle and to ensure comprehensive coverage, perfect match to an individual’s needs, can be challenging. Initially, one should consider these five essential factors:
1) Daily Activities: For those who enjoy outdoor activities or high-risk sports, look for an expat health insurance plan that includes coverage for sport or adventure-related injuries.
2) Current Health: It is advisable to check whether the expat health insurance plan covers treatments related to specific health conditions and personal medical history. Thoroughly examine the policy for any significant restrictions.
3) Coverage Needs: Assess whether the expat health insurance plan provides the level of coverage you need, from basic to comprehensive and premium care.
4) Budget: Set a budget for expat health insurance and choose a plan that offers the best coverage at price that suits you.
5) Choose a Reliable Insurance Provider: Opt for a trustworthy company that provides extensive coverage, such as Allianz Ayudhya, an insurance brand under the Allianz Group, which is a global insurance company offering expat health insurance plans suitable for those working long-term, retirees to Thailand, business owners and entrepreneurs.
In addition to the factors to be considered when selecting the suitable expat health insurance plan, another crucial element, which can inform the decision-making process, is the diversity of insurance plans available. This variety allows for comparison and helps to identify the best value-for-money and most suitable insurance purchase. Allianz Ayudhya offers four of the suitable plans for expatriates, providing annual coverage ranging from 3 million to 200 million Baht, no need for upfront payments. These plans are supported by a hospital network of over 490 healthcare facilities across Thailand. They are:
(1) Ultra Care Plan of expat health insurance hospitalisation covered in full, up to THB 200m per year*. Paid in Full** includes hospital accommodation. No claims discounts of up to 25% at renewal****.
(2) The Beyond Care Plan (Plan 3, 4 ,5 and 6) of expat health insurance cover up to THB 30 million per confinement*. Lifetime renewal***.
(3) Superior Health (Plan 2 and 3) of expat health insurance cover up to THB 10 million per confinement*. Deductible options to reduce your premium up to 60%. Family premium discount 10% when purchase at least 2 family members.
(4) The Max Care Plan (Plan 6) of expat health insurance cover up to THB 5 million per confinement*. Top-up your cover with Major Medical benefits with 80% of the eligible expenses of the inpatient hospitalisation benefits limit. Room & Board benefit up to THB 12,000 per day with cover for 365 days.
Further details are available at www.allianz.co.th and via Allianz Ayudhya General Insurance 1292 hotline. For inquiries about savings and life insurance, contact Allianz Ayudhya Assurance on 1373, available 24 hours a day.
Coverage by Allianz Ayudhya General Insurance Pcl.
* Examples of the top-tier plan within each health plan.
**Paid in full up to the overall plan limit.
***If the applicant applies for the insurance before 60 years old and continuously renews, the policy will receive the right for lifetime renewal but if the applicant applies for the insurance from the age of 60 years and above, they will receive the right to renew the policy until 80 years old.
****Depend upon the terms and conditions in each plan.
Remark:
- Terms and Conditions of the health plan may apply
- The applicant is advised to always study details of coverage and conditions carefully before deciding to buy insurance.