Which companies are out there providing health insurance?

last updated 24th November 2009

The Thai government has all insurance companies in Thailand separated into two separate categories for regulation, “Life Insurance” and “General Insurance”. Life insurance, of course, falls under “Life Insurance” for regulation, while all other insurance companies authorized to sell in Thailand are regulated as “General Insurance”.

There are about 25 legally authorized life insurance companies operating in Thailand. Most of them also offer health insurance, but it must be purchased as a rider (attachment) to a life insurance policy. Also, expats need to have a Work Permit to buy it (an “O” visa might be okay). The best known life insurance company is AIA..

There are about 7 companies in Thailand that sell only health insurance. They come under the “General Insurance” category. Expats can purchase health insurance through them without having to show a Work Permit or having to buy life insurance. The names of these companies are AXA, BUPA, LMG, MSIG, NZI-IAG, PIH and Thai Health Insurance (THI).). There are also many health insurance companies outside of Thailand that cater to expats around the world. They tend to be more expensive though

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Ajarn.com was started as a small hobby website in 1999 by Ian McNamara. It was a simple way for one Bangkok teacher to share his Thailand experiences and pass on advice. The website developed a loyal and enthusiastic following. In 2004, Ian handed over the reins to Phil Williams and 'Bangkok Phil' has run the ajarn website ever since.

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