Expat Health Insurance

When you start working in Thailand, 5% of your monthly salary (not exceeding 750 baht) will be deducted to contribute to the Universal Coverage Scheme (UCS). This will grant you access to the public healthcare service. However, there are quite a few drawbacks with this system. For example, you can only get free access to healthcare only at your assigned public hospital, where the waiting times can be long and the consultations can be brief. Also, the medication covered under this scheme is limited. You might still have to pay out of pocket for some specific medication.

This has led many people to purchase private health insurance to get access to a more seamless healthcare experience. Expats who are not employed or those who want to expand their coverage can purchase private health insurance to get treated in private hospitals, where waiting times will be shorter and staff and doctors tend to speak better English. 

If you are interested in purchasing expat health insurance in Thailand, Rabbit Care is Thailand's #1 online broker that offers a wide variety of health insurance plans to fit all your needs and lifestyles. You can also compare plans from various providers to find the best one for you.

Even though you may have access to the public healthcare system in Thailand, it is more common for expats to have private health insurance, which offers many advantages such as:

• Significantly shorter waiting times at private facilities
• Top quality treatment with up-to-date equipment
• Higher number of English-speaking doctors and staff
• Avoid any unexpected costs
• Access to more than just your assigned hospital

If you would like to purchase expat health insurance in Thailand, Rabbit Care offers a wide variety of healthcare plans from our trusted partners to make sure that you find the right one for you.

The cost of private health insurance varies depending on many factors. From the provider you choose, the type of coverage, to your personal circumstances such as age or previous health conditions will alter the price. 

In Thailand, the average cost for expat health insurance in Thailand is roughly $2,000 per year, while the average private insurance premium for families is $10,000. This figure is the average for a wide variety of plans, coverage requirements, and ages. The price of your actual policy may be much higher or lower than these figures.

To get a better idea of how much does private health insurance in Thailand cost, you can get a free quote from Rabbit Care, the #1 online insurance broker in Thailand. From there, you can compare quotes from a wide variety of healthcare plans directly and find the one that suits your needs the most.

If you are an expat who is looking for life and health protection from a great deal of insurance brokers in Thailand, Rabbit care is Thailand's #1 online broker which offers a variety of your life and health insurance plans to fit all your needs and lifestyles.

Simply browse through our platform by searching over 20 insurer companies on our site and get a quote within a few clicks. You will be able to live confidently with the knowledge that you are covered by the best provider in the business.

Expats who plan to live in Thailand for a certain period may find health insurance helpful because the unfamiliar environment could affect their health and cause unexpected illness. Health insurance can help you to minimize the risk of uncontrollable expenses. However, if you are finding what types of insurance you should apply, you can consider from two types of package including:

• Temporary health insurance: This type of package is similar to travel insurance. The temporary health insurance offers full coverage in a short period. This plan is suitable for foreigners who temporarily live in Thailand.
• Long-term health insurance: It is almost the same as temporary health insurance. The only difference from temporary health insurance is that long-term health insurance provides the insured a longer coverage period. This plan is the best fit for ones who plan to stay in Thailand for a long period or to reside in the country.

If you are looking for high coverage insurance with exclusive services to facilitate the most, you can select or contact us at Rabbit Care. We are more than happy to give you the best services and consultation.

Expats who are looking to purchase health insurance in Thailand can choose either local insurance provider or international insurance provider. 

When you purchase a domestic plan, the coverage will be limited only within Thai borders and it will not cover for any medical emergencies abroad. 

On the other hand, an international health insurance plan will grant you health coverage not only in Thailand but in other countries within the scope of your policy. For example, if you are traveling back to your home country or going on a vacation outside of Thailand, you will still be covered. 

At Rabbit Care, you can choose from a wide variety of both international and local insurance policies, enabling you to find the one that best suits your needs easily.

We are introducing you to Rabbit Care, the company affiliated with BTS Group offering our comparison service for insurance and financial products in Thailand to make your life more convenient. We are trusted by alliances and other connections. Rabbit Care provides various types of products with special promotions to fit all customers’ lifestyles.

Our service is convenient, fast, safe, reliable, and provides care for you.
 

Rabbit Care provides comparison service on non-life insurance, life insurance, health insurance and other types of insurance. We provide assistants to help you throughout all processes, from consulting before buying to coordinating claims. Because we consider your security, we develop our data collection system to protect your personal information from outsiders.

• Various insurance plans
  About expat insurance, most people would only think of health insurance. However, expats need more plans than that. Therefore, we gather various insurance plans that suit your needs as much as possible.
• Installment service
  Rabbit Care always cares for our customers in order to make them as convenient as possible. Thus, we offer you methods of payment via internet banking, including ATM transfer, and credit card/cash card with 0% installment service for up to 10 months to help you reduce your monthly expenses.
• English speaking consultants
  If you are not comfortable with speaking Thai and afraid of miscommunication, Rabbit Care offers you English speaking consultants who can support you throughout the process. Therefore, you can easily get covered with your preferred coverage plan.
• Easy comparison 
  We have created our health insurance comparison system to offer you the coverage plan you desire. The system is easy to use, convenient, and takes only 30 seconds to see and compare prices of insurance premiums.
• Guarantee the best products at the best price
  Rabbit care selects the best insurance plans from more than thirty reliable insurers in Thailand and offers delightful service at a reasonable price to you. Also, our latest promotion is waiting for you to check out.
• Take good care of you
  We have our support service that you can contact us 24/7 via our Care Center on 02-089-2287.

Getting insurance for expats has both similar and different processes from regular insurance for Thais. Therefore, you should know all important information to consider and compare every offer to get the best plan that fits your lifestyle! All you need to prepare are as follow:

Domicile information
The insured must provide information on your domicile to the insurance company because there are some different conditions for each country. This information is crucial for the insurance company to offer the most suitable plan for individuals.

Health information/Medical record
The insurer requires your health records and you will be asked to specify whether you have a congenital disease, medical illness, or operation in the past. In some circumstances, you will be required to take an additional health check-up before providing coverage.

Occupation
Your current occupation will be taken into consideration as each occupation has different risk levels. This factor will affect the premium you will be offered from the insurer.

Prepare required documents

To confirm that you are legally living in Thailand, you need
 

• A copy of ID card/passport
• A copy of census registration (in case of having Thai spouse)
• VISA
• Work permit (in case of legally working in Thailand).

For your convenience, Rabbit Care provide multiple payment options for health insurance in Thailand, including; 

• Credit Card or Debit Card 
• Bank transfer from online banking, ATM, and mobile banking
• Cash

We also provide payment plans for health insurance, which will be subject to the insurance provider’s terms and conditions. You may be able to choose to pay for your premiums every one year, six months, or three months. 

However, if you decide to pay in full, we have a special discount of 7% for credit card payments and 5% for payments via debit card, cash, and bank transfer.

Customers who purchase health insurance in Thailand with Rabbit Care are eligible to receive free online health consultation service twice a year. You can conveniently have a consultation with a physician from anywhere at any time through a video call. Furthermore, you also can get your prescription at a pharmacy of your choice or have it sent to you through a delivery service.

From making an appointment, getting the consultation, to having additional follow-ups, Rabbit Care’s telemedicine is free of charge. You will be eligible to receive free online health consultation service twice a year when you purchase health insurance in Thailand through Rabbit Care. If you are prescribed any medication after your consultation, you can claim the expense with your insurance provider according to your purchased policy.

You can have more than one health insurance policy in Thailand. Depending on your healthcare needs, you might need to have multiple policies to increase coverage. For example, you may already have a policy that covers standard treatment such as in-patient and out-partient care, but you’re concerned about critical illnesses such as cancer or heart attack. It might be beneficial to purchase another policy that is especially designed for this purpose.

However, it is recommended that you make sure that the coverage does not overlap each other so that you get the most out of your money. Rabbit Care provides comparison service on health insurance, as well as consulting service to help you find the best additional health insurance in Thailand for you.

Starting October 31, 2019, foreigners who are applying for a retirement O-A visa must have a valid health insurance covering their period of stay. The health insurance policy cannot be less than 40,000 baht for outpatient and 400,000 baht for inpatient medical fees.

At Rabbit Care, we have special insurance plans that are tailored for retirees. You can get your free quote or contact our Care Center at 02-089-2287 for more information.

Healthcare prices can vary wildly in Thailand, depending on what level of care you need and where you are located. A regular checkup at a private hospital in Bangkok might cost around 3,000 baht. The overnight stay could cost at least 10,000 baht a day, and treatment in the ICU could be up to 100,000 baht a day.

While healthcare in Thailand is considered to be more affordable than other countries, it is still a good idea to purchase private health insurance to get the best care possible. Rabbit Care has a wide range of expat health insurance in Thailand that will provide you and your loved ones with the best coverage according to your needs. You can get a free quote directly on our website or contact us at [email protected] for more information.