Pacific Cross health insurance in Thailand: plans and prices
Prices updated 12 Feb 2026 · Pacific Cross group (Asia)
Pacific Cross is a health insurance specialist in Thailand, part of the Pacific Cross group that has operated in Asia for decades. Its expat range goes from small inpatient plans (Standard) to high-limit plans with worldwide cover (Maxima, Ultima), each available with or without outpatient cover.
- Plans compared
- 9
- Annual limits
- 270,000 THB to 50,000,000 THB
- Ages priced
- 0 to 75
- Cover area
- Worldwide
- Outpatient (OPD)
- Optional on most plans
- Cashless hospitals
- Yes, in the insurer network
Pacific Cross 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 12 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 |
|---|---|---|---|---|---|---|
| Pacific Cross Standard | 270,000 THB | 2,000 THB | Worldwide | 9,500 THB | 13,000 THB | 18,300 THB |
| Pacific Cross Standard Plus | 450,000 THB | 3,000 THB | Worldwide | 13,000 THB | 17,900 THB | 25,200 THB |
| Pacific Cross Standard Extra | 780,000 THB | 4,000 THB | Worldwide | 16,300 THB | 22,400 THB | 31,600 THB |
| Pacific Cross Premier | 1,200,000 THB | 5,000 THB | Worldwide | 20,900 THB | 28,800 THB | 40,500 THB |
| Pacific Cross Premier Plus | 3,000,000 THB | 6,000 THB | Worldwide | 30,300 THB | 41,700 THB | 58,800 THB |
| Pacific Cross Maxima | 5,000,000 THB | 8,000 THB | Worldwide | 35,200 THB | 48,400 THB | 68,200 THB |
| Pacific Cross Maxima Plus | 10,000,000 THB | 10,000 THB | Worldwide | 39,400 THB | 54,100 THB | 76,300 THB |
| Pacific Cross Ultima | 20,000,000 THB | 16,000 THB | Worldwide | 45,000 THB | 61,800 THB | 87,100 THB |
| Pacific Cross Ultima Plus | 50,000,000 THB | 18,000 THB | Worldwide | 54,000 THB | 74,300 THB | 104,700 THB |
Plan details
- Pacific Cross Standard
Annual limit 270,000 THB · room 2,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Standard Plus
Annual limit 450,000 THB · room 3,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Standard Extra
Annual limit 780,000 THB · room 4,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Premier
Annual limit 1,200,000 THB · room 5,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Premier Plus
Annual limit 3,000,000 THB · room 6,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Maxima
Annual limit 5,000,000 THB · room 8,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Maxima Plus
Annual limit 10,000,000 THB · room 10,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Ultima
Annual limit 20,000,000 THB · room 16,000 THB/night · OPD optional · ages 0–75
- Pacific Cross Ultima Plus
Annual limit 50,000,000 THB · room 18,000 THB/night · OPD optional · ages 0–75
Frequently asked questions
How much does Pacific Cross health insurance cost in Thailand?
In our rate tables, the cheapest Pacific Cross plan costs about 9,500 THB per year at age 30 and 18,300 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 Pacific Cross plans meet the O-A retirement visa requirement?
The O-A visa requires cover of at least 3,000,000 THB (USD 100,000). 5 Pacific Cross plans have an annual limit at or above that level: Premier Plus, Maxima, Maxima Plus, Ultima, Ultima Plus. The certificate itself must be issued by the insurer.
Does Pacific Cross cover outpatient (OPD) care?
Yes, outpatient cover is available as an option on 9 of 9 plans. Without it, the plan pays for hospital admissions (IPD) only, which lowers the premium.
Up to what age can I buy Pacific Cross health insurance?
Our Pacific Cross rate tables go from age 0 to 75. 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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