LUMA curates health insurance options for residents in Thailand regardless of their nationality to suit various lifestyles, serving working expatriates, families and foreign residents in Thailand.
Discover our Health Insurance Solutions
Exclusive In-House Medical Team at your service
Emergency Medicine, Aviation & Tropical Diseases
25 Years of Medical Experience
19 Years of Medical Experience
Health Care Management
Health Care Management
Hear it from our LUMA members
Read through a few of the many testimonials and discover what our members have to say about LUMA Health Insurance in Thailand.
Follow us for the Latest Updates and Posts
Bao Wan Protect
Insured by Tune Protect
ChillSure Hospital Cash Benefit Insurance Insured by Tune Protect
Frequently Asked Questions about Health Insurance in 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:
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:
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.
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.
LUMA's Useful Reads