Health insurance
Cover that actually pays out.
We help you find a plan that fits your situation, your budget, and your hospital preferences — then stay with you through renewals and claims.
Who we work with
Expats already in Thailand
Renewals, switching plans, and post-visa-rule cover (e.g. retirement visa minimums of THB 3M / USD 100k inpatient cover).
Expats relocating
Cover that lines up with your arrival date, addresses pre-existing conditions sensibly, and meets visa requirements from day one.
Thai families
Local hospital networks, top-up cover alongside social security, and family policies at sensible per-head rates.
Retirees
Plans that still accept and renew at age 70+, with realistic premiums, clear exclusions, and a renewal age that won't surprise you in a few years.
Cover we offer
Health cover comes in a few different shapes. We help you understand which set of features fits your situation — for individuals, families, retirees, and people who need their cover to meet visa rules.
Individual cover
Inpatient as standard with optional outpatient, dental, and maternity tiers. The right starting point for most working-age expats and Thai residents.
Family cover
One policy for couples or whole families, often at a per-head discount. Useful when there's a dependant who would not qualify on their own.
Visa-compliant cover
Plans built to meet retirement-visa and other immigration thresholds. We check the policy wording against current rules before you sign.
Top-up alongside Thai social security
If you or a family member is enrolled in social security (SSO), a top-up plan adds private hospital access, faster admission, and broader treatment options without paying full private premiums.
What to look at, in plain terms
Premium and headline cover figure aren't the whole story. These are the details that actually decide whether a policy pays out when you need it.
- Hospital network
- Which hospitals you can use cashless, which require pay-and-claim, and which are excluded entirely.
- Annual and per-event limits
- The total cover figure on the brochure can hide low per-event limits that matter more in practice.
- Outpatient vs inpatient
- Inpatient is usually included; outpatient (GP visits, routine tests) is often optional. Most cost overruns come from outpatient claims.
- Deductibles and co-pay
- Higher deductibles drop the premium but mean you pay more at the point of claim. We model what each option costs in a normal year and a bad one.
- Pre-existing conditions
- Some plans exclude, some accept with declaration, some load the premium. We tell you what's realistic for your medical history.
- Renewal age caps
- Some plans accept new members up to 65 or 70 but stop renewing later. We flag any plan with a renewal cliff coming up.
- Claims process
- Direct billing, reimbursement timelines, the documents you'll need to submit. The smoothness of a claim is the real product.
- Visa minimums
- Retirement and some other visas require specified minimum cover. We check the exact policy wording against the current immigration rules before you sign.
How we choose a plan with you
- 01
Listen
Hospitals you prefer, conditions to declare, budget, family situation.
- 02
Match
We match your situation to the cover that fits — features, hospitals, budget, and any visa requirements.
- 03
Explain
Plain English (or Thai). We answer questions until you're sure what you're signing up for.
- 04
Apply
We complete the application with you, follow up on underwriting, and confirm cover in writing.
- 05
Stay with you
Renewals and claims help. We don't disappear after the sale.
Get cover that fits.
Tell us a little about your situation. We'll come back with options that make sense.