As I understand it, THI (Thai Health Insurance) has 2 types of personal health care coverage?

last updated 24th November 2009

One is called “Simply Healthy” and the other is called “Wealthy Healthy”. What are the major differences between the two?

Actually, there are 3 types. The third is called Maxi Healthy. It’s stand-alone Major Medical insurance.
“Wealthy Healthy” plans provide basic hospital inpatient coverage topped off with Major Medical coverage. Each plan pays a fixed amount per day for room, board and nursing care, depending upon the plan, for up to 60 days. It also pays 100% for miscellaneous hospital expenses, surgery and hospital doctor visits up to the fixed amounts specified in the plan. When the basic hospital coverage is used up, the major medical coverage kicks in and starts paying 90% of all additional covered hospital, surgery and doctor visit costs up to the major medical maximum. It also kicks in on the 61st day to continue paying the hospital room, board and nursing care charges. In addition, Wealthy Healthy are the only plans in their price range to include emergency evacuation and repatriation coverage when experiencing a medical emergency while traveling outside of Thailand.

“Simply Healthy” plans are exactly the same as Wealthy Healthy, but without major medical coverage or emergency evacuation and repatriation protection.

“Maxi Healthy” is a set of plans providing major medical protection after payment of a deducible (excess). It also provides for emergency evacuation and repatriation back to Thailand, like Wealthy Healthy. In fact, if you bought Maxi Healthy along with Simply Healthy you would have the exact same coverage as Wealthy Healthy for a little higher cost. Both Wealthy Healthy and Simply Healthy have the same outpatient (OPD) options.

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