Health insurance marketing

A look at the different aspects of health insurance policies in Thailand

This is Thailand. Health insurance here, as a rule, is much cheaper and much simpler than the health insurance most expats are probably used to.

The marketing of all Thai-based health insurance is closely monitored by the Thai government through the Office of Insurance Commission (OIC). The basic policy terms and conditions of most health insurance sold here are pretty much the same, whether sold by AXA, Bupa, LMG Pacific Healthcare, Thai Health Insurance (THI) or other health insurance companies.

What I am referring to are the insurance companies that are actually housed in Thailand and are required to market their product under the rules of Thailand. Bupa is an example.

Bupa is a well known international insurance company. But, they also have offices in Australia, New Zealand, India and many other countries, as well as Thailand. The insurance marketed out of these offices is regulated by the insurance rules of those countries. Therefore, their product may differ in accordance with the rules of the country they are housed in.

Health insurance in Thailand is regulated under two separate sets of rules, rules for health insurance marketed by life insurance companies and rules for health insurance marketed by general insurance companies.

Agents need to pass a separate test to be able to represent either type of insurance company.

Life insurance companies generally market health insurance as a rider to a life insurance policy. Otherwise, health insurance is marketed by health insurance companies as a separate product. As a rule, this form of stand-alone health insurance can provide higher coverage and offer more options for budget shopping. There are some similarities, though. For one thing, you must have an address in Thailand to purchase it.

You can not purchase 100% coverage for daily room & board, you must choose a plan that provides the R & B coverage that you want, or expect to have to pay the difference if you get hospitalized. 

If you want a routine check up or get a vaccination, you have to pay for it yourself. For the most part, health insurance in Thailand doesn't provide any kind of "Wellness" benefit.

In terms of general exclusions, you don't need to shop around comparing policy general exclusions. Most health insurance plans in Thailand have the same set of general exclusions.

Also, you don't need to look around for insurance plans that cover medical treatment for motorcycle accidents; they all provide full medical coverage up to the normal limits of the policy you purchase. (That they don't is a popular myth often found in forums).

Health insurance sold in Thailand does not provide coverage for pre-existing conditions. They will exclude coverage for the pre-existing conditions. But will provide coverage for everything else if the pre-existing conditions are not too serious.

Be aware that insurance companies often have difficulty finding competent English speaking staff to deal with their expatriate clientele. Even staff that speak passable English are often hesitant about speaking English with expats.

They often just want to get the process over with as quickly as possible and will just say what they think that you want to hear. This process is called 'greng jai'. It is considered to be a form of politeness in Thailand. In the Western world we know it as "a little white lie."

This is Thailand. Relax and enjoy it.

Featured Jobs

Qualified NES Teachers

8 hours ago

฿40,000+ /month


New Teachers for Expansions

10 hours ago

฿40,000+ /month


NES Teachers for Private School

16 hours ago

฿40,000+ /month


EFL Teacher (ACB)

1 day, 6 hours ago

฿50,000+ /month

Various locations

Many Teaching / Staff Positions

1 day, 7 hours ago

฿50,000+ /month


Experienced English Teachers

1 day, 10 hours ago

฿40,000+ /month


TEFL Courses & Training

Get off to a good start...

Take your course
in Thailand!

Training Directory

Featured Teachers

  • Jason Garfield


    American, 41 years old. Currently living in Thailand

  • Issah


    Ghanaian, 28 years old. Currently living in Thailand

  • Jason


    American, 45 years old. Currently living in Thailand

  • Ashwathi


    Indian, 31 years old. Currently living in Thailand

  • Vhan Kheyziel


    Filipino, 22 years old. Currently living in Philippines

  • Jomar


    Filipino, 26 years old. Currently living in Thailand

  • Ivyrose


    Filipino, 24 years old. Currently living in Thailand

  • Wanchu


    Indian, 30 years old. Currently living in Thailand

  • Dr. Bernie


    Canadian, 64 years old. Currently living in Canada

  • Waqas Anjum


    Pakistani, 32 years old. Currently living in Thailand


Sine Education

No TEFL required.

Mediakids Academy

Top TEFL job placement provider with competitive benefits and an unforgettable experience.

English Planet

To be internationally recognized as the leader in quality English language training.


Vacancies for in-house and corporate teachers at the finest schools in Suphanburi City


We get you a job! Options for school placements all over Thailand

BSI Broker

Brokers for ajarn health insurance and for all your Thailand insurance needs.

Siam Computer & Language

Competitive teacher packages with benefits and bonus incentives

Kajonkietsuksa School

First bilingual school in Phuket. Vacancies for kindergarten, primary and secondary teachers.

Kasintorn St Peter School

Progressive English program school near Bangkok employing NES and Filipino teachers

Inlingua Thailand

Premier language school with many branches and corporate training.

The Hot Spot

Teacher mistakes

Teacher mistakes

What are the most common mistakes that teachers make when they are about to embark on a teaching career in Thailand? We've got them all covered.

Contributions welcome

Contributions welcome

If you like visiting and reading the content, why not get involved yourself and keep us up to date?

Renting an apartment?

Renting an apartment?

Before you go pounding the streets, check out our guide and know what to look out for.

Air your views

Air your views

Got something to say on the topic of teaching, working or living in Thailand? The Ajarn Postbox is the place. Send us your letters!

The dreaded demo

The dreaded demo

Many schools ask for demo lessons before they hire. What should you the teacher be aware of?

Can you hear me OK?

Can you hear me OK?

In today's modern world, the on-line interview is becoming more and more popular. How do you prepare for it?

Will I find work in Thailand?

Will I find work in Thailand?

It's one of the most common questions we get e-mailed to us. So find out exactly where you stand.