Health Insurance for Expats in Thailand
Compare tariffs and calculate your premium – flexible cover with optional deductible.
Premium calculator
Add one or more people and calculate your annual premium.
Person 1
Deductibles from 20,000 THB are available from Premier upwards; Standard Extra offers a 40,000 THB deductible only.
For ages 5–99 (children under 5 on request).
Our tariffs
Nine plans – Standard Extra (per case) and Maxima (per year) are our recommendations.
Benefits at a glance
Key benefits by tariff.
| Cover | Standard THB 270k |
Standard Plus THB 450k |
Standard Extra THB 780k |
Premier THB 1.2M |
Premier Plus THB 3M |
Maxima THB 5M |
Maxima Plus THB 10M |
Ultima THB 20M |
Ultima Plus THB 50M |
|---|---|---|---|---|---|---|---|---|---|
| Maximum limit | 270,000 | 450,000 | 780,000 | 1,200,000 | 3,000,000 | 5,000,000 | 10,000,000 | 20,000,000 | 50,000,000 |
| Room & board (per day) | 2,000 | 3,000 | 4,000 | 5,000 | 6,000 | 8,000 | 10,000 | 16,000 | 18,000 |
| Intensive care (per day) | 4,000 | 6,000 | 8,000 | 10,000 | 12,000 | Paid in full | Paid in full | Paid in full | Paid in full |
| Surgical treatment (per case) | 20,000 | 50,000 | 100,000 | 200,000 | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Outpatient (per visit / visits per year) | 1,000 / 30 | 1,500 / 30 | 2,000 / 30 | 2,500 / 30 | 3,000 / 30 | Paid in full | Paid in full | Paid in full | Paid in full |
| Cancer treatment | Included | Included | Included | Included | Included | Included | Included | Included | Included |
| Emergency evacuation & repatriation | Included | Included | Included | Included | Included | Included | Included | Included | Included |
Your benefits with Pacific Cross
- Lifelong renewability – guaranteed renewal up to age 99
- Cashless treatment in 500+ partner hospitals in Thailand
- 24h worldwide emergency cover incl. medical evacuation
- Cancer treatment fully covered – chemo, radiation, targeted therapy
- Organ transplantation incl. donor costs fully covered
- Rehabilitation up to 90 days after hospital stay
- Private single room (standard) in all tariffs
- COVID-19 cover in all tariffs
- Flexible payment: quarterly, half-yearly or annually
- Suitable for all visa categories (retirement, marriage, work permit, etc.)
Waiting periods
- 30 days – general waiting period for illnesses
- 120 days – tumours/cancer, haemorrhoids, hernias, cataracts, tonsil surgery, stones, varicose veins, endometriosis
- 280 days – pregnancy and childbirth (only with add-on)
- 5 years – medical devices and artificial organs (e.g. pacemaker)
No waiting period for accidents and emergency surgery.
No-claim discount
- 1 claim-free year – 10 % discount
- 2 claim-free years – 15 % discount
- 3+ claim-free years – 20 % discount
Policy wording (T&C)
Important information about your cover.
Brochures
This is a summary for information only. The full policy wording applies.
Ready to apply? Start your online application here.