LMG health insurance in Thailand (ประกันสุขภาพ LMG): Elite Plus and Universal Plus
Prices updated 14 Feb 2026 · Thai non-life insurer
LMG Insurance is a Thai non-life insurer offering individual health plans for residents and expats. Its range spans the Universal Plus plans and the high-limit Elite Plus plans (Bronze, Silver, Gold) with worldwide cover.
- Plans compared
- 5
- Annual limits
- 1,500,000 THB to 80,000,000 THB
- Ages priced
- 1 to 70
- Cover area
- Worldwide
- Outpatient (OPD)
- Optional on most plans
- Cashless hospitals
- Yes, in the insurer network
LMG Insurance plans and yearly premiums
Estimated annual premium, inpatient cover only (IPD), at three reference ages. Open a plan for the full price grid by age, with and without outpatient cover.
Estimated prices, not an official quote. These amounts come from the insurers' rate tables (updated 14 Feb 2026) and are given for information only. The actual premium is set by the insurer after reviewing your application. Continue to receive the insurer's official quote, free and without obligation.
Get my official quote| Plan | Annual limit | Room / night | Area | Age 30 | Age 45 | Age 60 |
|---|---|---|---|---|---|---|
| LMG Universal Plus Plan 4 | 1,500,000 THB | 6,000 THB | Worldwide | 22,000 THB | 30,800 THB | 55,800 THB |
| LMG Elite Plus Bronze | 5,000,000 THB | 5,000 THB | Worldwide | 26,100 THB | 37,700 THB | 59,600 THB |
| LMG Universal Plus Plan 5 | 2,000,000 THB | 8,000 THB | Worldwide | 26,300 THB | 38,000 THB | 70,800 THB |
| LMG Elite Plus Silver | 20,000,000 THB | 8,000 THB | Worldwide | 37,200 THB | 51,600 THB | 81,400 THB |
| LMG Elite Plus Gold | 80,000,000 THB | 16,000 THB | Worldwide | 49,200 THB | 70,200 THB | 103,200 THB |
Plan details
- LMG Insurance Universal Plus Plan 4
Annual limit 1,500,000 THB · room 6,000 THB/night · OPD optional · ages 6–70
- LMG Insurance Universal Plus Plan 5
Annual limit 2,000,000 THB · room 8,000 THB/night · OPD optional · ages 6–70
- LMG Insurance Elite Plus Bronze
Annual limit 5,000,000 THB · room 5,000 THB/night · OPD optional · ages 1–70
- LMG Insurance Elite Plus Silver
Annual limit 20,000,000 THB · room 8,000 THB/night · OPD optional · ages 1–70
- LMG Insurance Elite Plus Gold
Annual limit 80,000,000 THB · room 16,000 THB/night · OPD optional · ages 1–70
Frequently asked questions
How much does LMG Insurance health insurance cost in Thailand?
In our rate tables, the cheapest LMG Insurance plan costs about 22,000 THB per year at age 30 and 55,800 THB at age 60, inpatient cover only. Premiums rise with age, annual limit and options such as outpatient cover. Prices are indicative; the final premium depends on underwriting.
Which LMG Insurance plans meet the O-A retirement visa requirement?
The O-A visa requires cover of at least 3,000,000 THB (USD 100,000). 3 LMG Insurance plans have an annual limit at or above that level: Elite Plus Bronze, Elite Plus Silver, Elite Plus Gold. The certificate itself must be issued by the insurer.
Does LMG Insurance cover outpatient (OPD) care?
Yes, outpatient cover is available as an option on 5 of 5 plans. Without it, the plan pays for hospital admissions (IPD) only, which lowers the premium.
Up to what age can I buy LMG Insurance health insurance?
Our LMG Insurance rate tables go from age 1 to 70. Entry and renewal age limits differ by plan and are set in the policy wording; check them before you buy, especially after 60.
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