Do any of the medical insurance companies in Thailand cover the cost for cosmetic surgery?

Not normally. As I've said before, insurance companies are not kind hearted philanthropists when it comes to paying out money for unnecessary medical care. As a rule, they need doctor certification that there is a serious health threatening need for the surgery.

• THI excludes: "Any cosmetic surgery except re-constructive surgery which is needed for medical reason."
• BUPA goes into much more detail. They exclude: "Any cosmetic or beautification treatment including lasik surgery, the treatment of acne, freckles, dandruff, weight reduction and weight gain, hair loss.

Reconstructive surgery is also excluded unless injury is sustained as a result of an accident and reconstructive surgery is necessary to restore functionality. Reconstruction of breasts and sexual organs is not covered."

Back to the Health Insurance FAQ



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