This all depends on the Insurance companies, with some insurance companies you can apply until 70 years old, but most insurance companies only accept new entries until the age of 64 or 60.
Clients ask this question, usually when they are new to Thailand. Most clients just like insurance for emergencies so usually they go for the Basic Coverage for 600,000 baht to 1,200,000. Others want a more extensive cover for severe cases so coverage can go as high as 32,000,000.
If a client is looking for insurance for emergencies only, we suggest that clients forgo Outpatient coverage, doctor’s visits can be cheap, especially if you go to the normal hospitals that are not known to be international.
Most insurance companies have a 30 day waiting period when it comes to illnesses for emergent accidents, companies usually cover immediately. When buying Health insurance clear this up with your agent.
Insurance companies usually have a age restriction, they will only cover you until your 80 or 90. Depending on the insurance company, so be sure to ask your agent until what age you are able to renew your health insurance.
The entry age for most insurance companies is 60 years old and below. Some offer entry until 64. The one’s that take clients over 65 are the international insurance companies and their premiums can be really expensive. We sometimes suggest our clients who are over 65 to see Personal Accident insurance as an option.
No. Most insurance companies require at least one parent to sign in with their minor. There are companies that allow kids to sign alone but the rates would be different. (Higher than applying with a parent)
Health Insurance companies will cover your accidents as long as you are not under the influence or negligent.
Clients applying for health insurance must be residents of Thailand.
Yes, you are free to choose any medical provider you are comfortable with. However, each insurance company has a network list, if you go to a hospital or clinic that is not on their list you would have to pay first and get reimbursed.
Everyone is welcome to apply, you will get coverage but unfortunately pre-existing conditions will be excluded from the coverage.
The policy usually states general exclusions but, feel free to ask your agent of the copy of the policy wording before purchase.
Application process is different for everyone, the process can take longer if you have pre-existing conditions. Application process is 3-4 days and once you sign the offer letter the Card and Policy will be sent to your specified address within 7-10 business days.
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