What you need to know about pre-existing conditions and insurance in Thailand

For expat teachers with pre-existing conditions, finding insurance coverage that covers these conditions can be challenging - but not impossible.

If you’re an expat teacher employed by a school in Thailand, chances are that you’ll have access to school-provided health insurance. Some of these plans may cover pre-existing conditions* under medical history disregarded (MHD) clauses, but many will unfortunately not cover pre-existing conditions.


What is top-up insurance?

A way to enhance the health insurance offered by your school

Although your school will probably offer you a health insurance plan as part of the remuneration package, it might not be sufficient to meet your needs. But fret not - there is an easy and cost-effective way to enhance these benefits.


Summer holiday insurance

Your travel insurance checklist ahead of the summer holidays

With the summer holidays upon us and COVID-19 restrictions a thing of the past, most teachers are jetting off on long vacations. Before you do the same, ask yourself: Am I adequately insured for my trip?


Can you get health insurance if you smoke weed?

Although marijuana is now being openly sold in Thailand, health insurance coverage for weed smokers is still debatable.

While you may prefer not to disclose your drug usage, remember that it’s never a good idea to lie or withhold information on an insurance application form.


International health insurance vs travel insurance

What are the major differences between the two?

Travel insurance offers financial protection from all the unexpected pitfalls of traveling. An international health insurance plan solely focuses on providing health coverage


Does smoking affect health insurance?

Whether you smoke occasionally or are a chain smoker, you might be wondering if this habit will affect your health insurance.

To be considered a non-smoker by health insurers, you must have given up smoking for at least 2 years. Honesty is expected on health insurance application forms so you will need to make your smoker status clear.


What is the cost of health insurance in Thailand?

The cost of health insurance premiums have crept up and people’s needs have changed in Thailand.

If you want to top up your existing health insurance plan, you should learn about the average cost of health insurance and trends.


Bye bye 'test and go' scheme

Major travel restrictions are dropped just in time for the summer holidays.

Thailand is now dropping most of its entry requirements. I’ll get you up to speed with the latest changes in this article.


The expat's guide to social security in Thailand

While Thailand is hardly characterized as a welfare state, it does have a decent social security system in place.

If you’re legally employed by a company based in the country, you’ll be automatically enrolled in the social security system, though many expats and foreigners are unaware of how the system works or how to make full use of it.


Do you need AD&D insurance in Thailand?

Peace of mind for your beneficiaries

In the case of the policyholder’s death, a lump sum of money will be paid to the beneficiary marked in the policy, which can be used to cover the costs of the funeral, and/or body repatriation.


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