Expat's Guide To Health Insurance in Thailand

 

 

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Even though relocating to Thailand has become one of many expats’ dreams, living in a foreign country can be intimidating. Having good health insurance will give you peace of mind to know that you’re covered in the event of a worst-case scenario.

However, getting health insurance that suits your needs can be very complicated. There are many criteria on the check-list and, especially, if you relocate with a family, the choice has to be the very best one.

Among many health insurers in the market, AETNA, the best-selling health insurance, is among popular choices for expats in Thailand. What makes AETNA stand out and how does it become expats’ No.1 choice? GoBear is here to help you find that out.

Expat healthcare in Thailand

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Public healthcare system in Thailand can take care at an adequate level over 95% for the whole resident population. Despite this fact, public hospital facilities can sometimes be overcrowded, and you would need to wait in long queues which means it can take up to an entire day when you go see a doctor.

The good news is there are options outside the public system that many including expats can enjoy. With their reputation in medical tourism, many well-known private hospitals are 5-star standard with world-class facilities, highly trained medical staff and customer service that speaks in different foreign languages. Certainly, the hospital bill would be expensive, but having great health insurance coverage can compensate for this.

What makes Aetna better

Buying health insurance in Thailand is easier than you may think. You can conveniently buy it online and through brokers, without worrying about any language obstacles. What differentiate AETNA from others is the insurer’s internationally acclaimed standard to cater to the needs of expats around the world. AETNA also offers plans and services tailored made for whatever we need to feel safe and healthy in their care. This includes:

International Coverage at an affordable premium

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If you are an expat living in Thailand, the chances are you would travel to many other countries often. Looking for health insurance that could also cover you outside of Thailand is therefore important in the case of a medical emergency abroad which could cost you enormously.

However, most health insurance plans in Thailand only cover you within the country. Fully covered international health insurances come at much higher premium.

What AETNA offers:

Well, this is probably one of the best factors that draws numerous expats in Thailand to choose AETNA. If you look at their Platinum plan, it covers emergency medical assistance abroad that benefits up to USD 1,000,000 for when you need a medical evacuation or repatriation.

If you need more than just an emergency medical evacuation, AETNA Beyond Personal Care plan will best suit you, with 24-hour worldwide coverage for medical treatment that will keep you worry-free anytime.

And to get one of these, you don’t need to break your wallet. The premium starts at only about 2,000 Baht per month*.

High Coverage Limits up to 30 million Baht*

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Having “coverage limits” in insurance could be a new thing for those who are only familiar with “full coverage” or “co-payment” policies back in their home countries.

But in Thailand, this is the standard they do. You might need to pay for treatment costs on your own if your hospital bill exceeds the coverage limits. It is then better to find health insurance that has as high coverage limits as possible.

What AETNA offers:

Sky is the limit here. With the Platinum plan, your medical treatment is covered up to 30 million Baht. You will certainly be taken exceptional medical care at one of Bangkok’s most prestigious private hospital with a peace of mind.

Direct billing through a network of over 490 hospitals nationwide*

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Insurance claiming process can be long and complicated. Many insurers established a method called “direct billing” with its hospitals network. So that if you get medical care at a hospital within the insurer’s network, the hospital will bill the insurer directly saving time and energy to get fully treated.

What AETNA offers:

AETNA has more than 490 hospitals in hand, ensuring you would have a better chance to get medical treatment with direct billing. No paperwork. No worries on claiming process!

Special Benefits

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Many health insurances offer various special benefits and marketing promotions including discounts and free annual health checkup. Although these are quite common additional perks for most plans.

What AETNA offers:

AETNA offers 15% premium discount when buying two or more health insurance plans with both inpatient (IPD) and outpatient (OPD) treatment benefits and annual health checkup as well.

They also provide an exclusive telemedicine service, vHealth application that allows you to consult with doctors online for free, which perfectly suits the current new-normal lifestyle.

From the reasons above, you can see why AETNA is no.1 choice for expats in Thailand does not come by chance.

The best-selling plans from AETNA

Now we are going to take a look at two of the most popular AETNA health insurance plans.

1. AETNA Platinum Plan

AETNA’s best coverage premium. It comes with all the benefits that will make you feel very safe in all situations.

  • Inpatient treatment coverage (IPD) up to 30 million Baht* for an injury or sickness per disability
  • Full coverage for hospital general expenses, surgeon’s fees, physician’s hospital visit fee and specialist’s consultation fees, but not exceeding the maximum benefit specified
  • Emergency medical assistance up to USD 1,000,000*
  • Benefits up to 100,000 Baht* in case of death or disability from an accident
  • Annual Health Check-up benefits up to 10,000 Baht*
  • The ability to purchase additional coverage for outpatient treatment (OPD), maternity, and personal accident insurance
  • Free of charge, vHealth telemedicine service

2. AETNA Beyond Personal Care Plan

If you tend to travel for work more and look for a lower premium, go for this plan.

  • 24-hour worldwide coverage for medical treatment in case of sickness or accident
  • Maximum coverage up to 5 million Baht* for an injury or sickness per disability
  • Coverage of hospital general expenses up to 200,000 Baht*
  • Benefits up to 100,000 Baht* in case of death or disability from an accident
  • The ability to purchase additional coverage for outpatient treatment (OPD), maternity, and personal accident insurance
  • Free of charge, vHealth telemedicine service

*Remarks: Terms may vary depending on the policy selected. Please refer to plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage.

You can easily compare different AETNA health insurance plans to suit your needs on GoBear or call 02-232-8555 to consult with health insurance expert.

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