Insurance coverage in Thailand

Hello everyone,

Moving abroad requires adequate insurance coverage.

What type of insurance expatriates need the most in Thailand: health, house or liability insurance? All of them? Do they come as a package?

Are there other insurance options to consider like critical illness, damage or property insurance?

Is it better to purchase insurance from an expat insurance specialist or from a local insurance provider?

And what about insurance costs?

Tell us about your experience in Thailand.



most holiday makers have travel insurance and if you dont you are crazy.

a young guy on holidays gets hit by a pick up - he is badly injured - the hospital gets him OK and he goes back home. Still with hospital bills coming in. He sued the driver but the max pay out here is 200,000 to 300,000 baht. This took over 1 year to get.

If you stay in Thailand longer than a holiday then join a expats club and they will get you a group discount.

Car and bike insurance you need to shop around but be carefull as bike accident most cover only 50% damages or injury.

I have accident insurance,house content and the building structure insurance.
This also includes indemnity. I also have A  insurance on the vehicle and the total cost through AA Insurance Hua Hin is 21 K per annum.
I have medical insurance through a company in my"home country" and this covers me for a "global amount"for any hospital admission here
I have just had surgery for cancer  and for that I went back to my home country and had it done at a private clinic there.
I had to spend 6 weeks there before I could travel again but enjoyed the time with my kids and my GF came over for 4 weeks to 'nurse" me.
I took out medical insurance for her while she was there as otherwise if she required Hospital treatment  she would have had to go to a Government Hospital as private hospitals are expensive.
I feel that I have adequate insurance for my needs
I dont ride on a motorbike at all as these are death traps as far as I am concerned
All the Thais in the village told me I was mad to take out insurance as nothing ever happens here but I decided that I would sleep better knowing i have insurance
As much as I feel that paying insurance is a waste of money I have never been without it.

Moderated by Priscilla 4 months ago
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When my wife and I arrived she bought accident insurance, tried to use it at a hospital when the company said that you had to use it the day of the accident. Now we only buy full coverage car insurance!

yes always read the fine print

I think insurance must be bought by an international insurers for worldwide coverage which has direct billing (save us for time of expensive condition) and motorbike coverage (most local insurer does not have motorbike coverage if we don't have local license).
I got insurance through a very helpful and careful agent, which help me in every of my claim, so I'm totally happy with him. **

Moderated by kenjee 4 months ago
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