Hospital Insurance in Thailand 

When searching for hospital insurance in Thailand, you might encounter different interpretations. This article clarifies the key distinctions between each to help you find the perfect fit for your needs. 


There are 3 meanings that could be associated with the term “hospital insurance”:  

Hospital Insurance in Thailand

Packages provided by Hospitals

Some hospitals in Thailand offer in-house packages at discounted rates for specific treatments, procedures and or lengths of stay at a particular hospital. Ex: Health Check Up packages or Birth Delivery packages.



  • – Tailored to specific treatments at the chosen hospital 
  • – Potentially lower cost for planned procedures (because of pre-paid) 


  • – Limited coverage, usually restricted to the offering hospital 
  • – May not cover unforeseen complications or emergencies 

Standard Health Insurance that covers Hospital Bills

This may be the most common understanding of hospital insurance. These comprehensive plans offered by insurance companies reimburse you for medical expenses incurred at hospitals depending on the plan you have. 



  • – Not limited to a specific hospital only  
  • – Not limited to a specific type of treatment / procedure 


  • – Availability: Not everyone qualifies for all health insurance plans and Insurers have eligibility requirements that may vary by plan  
  • – Coverage Limitations specified in each plan per period or per treatment type 


Health Insurance Accepted by Hospitals:

Some might confuse “accepted by hospitals” with actual coverage. It’s crucial to understand that hospitals themselves generally don’t offer insurance acceptance. They work with various insurance providers. Your chosen health insurance provider may have a a network of hospitals to facilitate payment of bills (cashless check out, also known as direct billing).  


Network Hospitals: Your insurance plan might have a network of hospitals. In-network hospitals work directly with the insurer for cashless visits. This simplifies the process; you won’t need to pay upfront and wait for reimbursement. 


Out-of-Network Hospitals: Some hospitals may accept your insurance but are not “in-network”. In these cases, you might be responsible for the bill upfront and then seek reimbursement from your insurer. 



Check the conditions of your insurance plan and hospital network services provided by your insurance provider.  

– Check your plan’s network of hospitals. You would typically experience an easier checkout within a network hospital than at a hospital that is not on the list. 


– Check if the specific hospital you intend to go to is subject to specific conditions such as mandatory pre-approval or co-pay. 


– If out of network, ensure you collect all necessary documents to claim and seek reimbursement.  


The takeaway: Hospital insurance in Thailand can seem confusing at first glance. However, by understanding the different options – hospital packages, comprehensive health insurance, and network coverage – you can make an informed decision.  


Whether you prioritize affordability, specific treatments, or cashless convenience, there’s a plan to fit your needs. Explore with LUMA all options offered by both private insurance companies and hospitals directly to find the best fit for your health and budget. 

Table of Contents