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Find clear answers to common questions about health insurance in Thailand.
Ask a Custom QuestionDTV visa: don't forget your health
Remote work, Muay Thai, classes… you're here for the long run. Your health deserves 5 minutes.
In most cases, no: health insurance is generally not required to obtain the DTV (check with your embassy, though).
Without insurance, you pay the hospital bill yourself. And private hospitals may ask for a deposit or payment guarantee before they even admit you.
Not mandatory ≠ not necessary.
LTR visa: the required health insurance
For the 10-year Long-Term Resident visa, the BOI requires health coverage. Here are the rules to know before you apply.
Yes. According to the documents published by the BOI, every applicant must show health insurance covering at least USD 50,000 for hospitalization and medical treatment in Thailand, for the entire stay.
It applies to all categories: Wealthy Global Citizen, Wealthy Pensioner, Work-from-Thailand Professional and Highly-Skilled Professional.
Travel insurance is not enough: you need a real health policy.
Health Insurance in Thailand
Everything you need to know about navigating health coverage in Thailand.
Inpatient care means you're admitted to a hospital and assigned a bed. Outpatient care includes consultations, diagnostics, or treatments done without hospital admission.
- Comprehensive Plans – Cover nearly 100% of medical costs.
- Limited Plans – Lower cost but include sub-limits (e.g., 4,000 THB/night for hospitalization).
WAISIAM lets you compare both with full transparency.
It's the initial time after enrollment when certain conditions aren't covered. Once the waiting period ends, coverage begins for those conditions.
A deductible is the amount you pay out of pocket before insurance coverage starts. A higher deductible means a lower premium but more personal risk.
- Increasing the deductible is usually simple and doesn't require new medical checks.
- Decreasing it may require a health review and could result in exclusions.
Yes.
Some plans include global coverage, while others are limited to Thailand. Let your advisor know if you travel often—they can help find the right fit.
It's when you fill out a health questionnaire at the start. The insurer then confirms your coverage and any exclusions up front—no surprises later.
No—if you fully disclosed your history and were accepted under FMU, new conditions after enrollment are covered.
After acceptance by the insurer, some accept payment in 10 installments without fees using a Thai bank card.
- Local insurers often have hospital networks with direct billing.
- International insurers may cover any hospital but might require upfront payment and reimbursement.
Most insurers accept new applicants up to 60–70 years and allow renewals until 90–99 years. Always check the plan terms.
WHY COMPARE WITH WAISIAM INSTEAD OF GOING DIRECTLY TO AN INSURER?
Waisiam is a comparison platform: it compares plans from several insurers and puts you in touch with a licensed partner broker for expert advice - at no cost to you.
PERSONAL EXPERT SUPPORT
Our licensed partner broker helps you in your language at every step - from choosing the right plan to managing claims, renewals, and policy questions.
MORE INSURANCE OPTIONS
Waisiam compares plans from multiple insurance companies so you can easily find the coverage that fits your needs and budget.
SAME PREMIUM, MORE SUPPORT
Premiums are the same whether you buy directly from the insurer or through our licensed partner broker - you simply get a comparison and expert advice on top.
Still have questions?
Our expert advisors are ready to help you find the perfect coverage.
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