Health Insurance Thailand

Health insurance in Thailand can cost from a few thousand Baht for the most basic health coverage, to over 200,000 THB for the most comprehensive medical insurance. The cost of health insurance in Thailand varies depending on several factors, including your age, the type of coverage you choose, and the insurance company you select. LUMA offers diverse health insurance plans for expats and local residents in Thailand, suiting different lifestyles and budgets.

The cost of medical treatment in Thailand can vary a lot based on what you need and which hospital you choose, ranging from a few hundred to millions of Thai Baht. If you need to stay in the hospital for several nights, the costs can add up.

Here are the estimated prices for a standard room per night in public and private hospitals in different cities across Thailand:

– Bangkok: 4,000 – 10,000 THB (Room rate with Meal + hospital fees)
– Phuket: 5,000 – 8,000 THB (Room rate with Meal + hospital fees)
– Chiang Mai: 4,000 – 7,000 THB (Room rate with Meal + hospital fees)
– Chonburi (Pattaya): 2,500 – 5,000 THB (Room rate with Meal + hospital fees)
– Nonthaburi: 5,400 – 8,450 THB (Room rate with Meal + hospital fees)
– Krabi: 3,000 – 4,000 THB (Room rate with Meal + hospital fees)

Please Note that these are base costs for standard rooms, and opting for a VIP suite will incur higher charges. Additionally, these figures cover hospitalization only; any specific medical treatments for each patient will involve additional costs.

Here are some costs of medical treatments in case of accidents or illness:

– Accident that requires a plaster or cast: will cost approximately 1,500 – 8,000 THB. for an OPD (Outpatient Department) treatment.

– Bacterial diarrhea: will cost approximately 1,500 – 3,000 THB for OPD treatment, or 20,000 – 90,000 THB for IPD (Inpatient Department) treatment.

– Dengue fever: will cost approximately 1,500 and 3,000 THB for OPD treatment, or between 35,000 and 150,000 THB for IPD treatment.

– Evacuation: will cost approximately 90,000 and 300,000 THB. This cost can go up to a million THB or more depending on your medical condition, the severity of your condition, the medical professionals needed and the special equipment needed.

– Minor stitches: will cost approximately 500 and 8,000 THB for OPD treatment. Please note that the cost of treatment may vary depending on the severity of the accident.

– Major surgeries: will cost approximately 200,000 and 1,000,000 THB or more. This is for IPD treatment. Please note that the cost of treatment may vary depending on the severity of the accident.

Please note that these are just general costs based on private hospitals in Thailand. The actual cost of your treatment will vary depending on your condition.

The bottom line is that prices can vary widely in big cities and may be higher in remote areas where accessing medical care is a challenge. Having a comprehensive health insurance plan is essential to make sure you’re covered for the costs of medical treatments in Thailand.

Medical insurance in Thailand is open to everyone, regardless of nationality. However, the requirements vary depending on the plan you choose. For Expats there is often a requirement of having to show proof of residency or some plans require proof of a work permit. For Thais, certain occupations may have exclusions, making it a bit tricky. Navigating around health insurance plans can be challenging, that’s where our LUMA consultants come in to guide you through the options, picking out the best solutions that fit your needs, expectations, and budget.

Pre-existing conditions are usually rarely covered by insurers in Thailand. Unfortunately, our current range of solutions usually do not cover any pre-existing conditions either. Any conditions or symptoms you had before you start the plan would be considered pre-existing. However, pre-existing conditions may be covered if they are fully declared and accepted by the insurance company.

Yes, foreigners can get health insurance in Thailand, and it is important to do so. Healthcare in Thailand comes at foreigners’ own expense, and the quality of medical services can differ significantly. Having medical insurance in Thailand will give you peace of mind knowing that you have access to your preferred medical facility in Thailand. Also it’s important to consider if foreigners are eligible as it depends on the plan and its terms and conditions. LUMA offers a range of health insurance solutions available to both Thai and foreigners, regardless of their nationality, contact LUMA to get a personalized quote.

Hospital Insurance can be many things, whether it is insurance covering the medical fees at a hospital, pre-packaged treatment plans provided by the hospitals or identifying what insurance is accepted by hospitals.

LUMA is able to offer comprehensive health insurance plans which can cover the medical costs incurred whilst receiving treatment in a hospital, as well as opting for additional coverage which can cover the cost of packaged services by hospitals such as health check up plans.

Whether or not you need health insurance in Thailand depends on your circumstances. However, having health insurance is generally advisable, particularly for expats residing in Thailand. This is because medical care in Thailand can be costly, especially if you need to be hospitalized for serious accidents or major surgeries, which can reach millions of Thai baht, and can be a significant financial burden. Health insurance serves as a valuable safety net, providing peace of mind for you and your loved ones in the event of an unexpected medical emergency.

Yes, LUMA has a medical network of 450+ hospitals all across Thailand. LUMA Medical Network