I’m on the brink of leaving my job which had free AIA cover for me.

I have a baby, two months old who needs health insurance I reckon. So I want something for all three of us. Thing is I have no idea what standard of hospital cover I need, or how much per night I should go for. I never get sick either so I’m not bothered about outpatient care for me, but I reckon it sounds like a good idea for the baby, just in case. How does that work? Hospitals - I don’t knw, I’ve been to several. Just lately we’ve been taking the little one to Sukhumvit Hospital near Ekkamai for her vaccines ‘cos it’s quite close and they are nice there and they don’t seem to get very busy. Is it any good, relatively I mean? If so could I use my insurance there?

One of the most important things one needs to consider when purchasing adequate medical coverage in Thailand is what it costs to receive good quality medical care here.

My Bench Mark in that regard is Bumrungrad International Hospital. There are other highly rated hospitals in Thailand, but Bumrungrad ranks well among the best of them. And, very importantly, they seem to be more reasonably priced. Their charge for a private room is 6,005 baht per day for Room and Board and Nursing Care. In addition, they also offer a 4 bed room for 2,530 baht per day. and a 2 bed room for 3,330 baht per day. They are the only “5-Star” hospital in Thailand, I am aware of, that offers these lower cost room options. The hospital you asked about, Sukumvit Hospital, is a small hospital that caters mainly to Thais. They seem like a good hospital, though. Their Daily Room and Board Rate is about 2,700 baht per day.

My own personal opinion is that you should plan on using a hospital near your home that you feel particularly comfortable with. But, also be prepared to upgrade to better facilities should the need arise. Bumrungrad seems to be the most cost-effective option in that regard.

Both are THI member hospitals. All you have to do to be admitted is show your THI card. But keep in mind that you can also use any hospital or clinic in Thailand, even a low cost government facility. If you use a non-member hospital or clinic, though, be prepared to pay the bill yourself and then get reimbursed by the insurance company later.