There are many options to Health Insurance, most individuals would just get insurance for emergencies so they only require Inpatient option. Cover for doctor’s visits and procedures done that don’t require you to be admitted would be considered Outpatient. There are also things you add and remove like coverage for Dental and Vision. If you wish to lower the cost of your Health Premium, other’s put on a deductible or excess.
Coverage for hospitalization purposes, meaning that you are admitted and required to stay overnight or a couple of days due to doctor’s recommendation.
Coverage for doctor’s visits and outpatient procedures that do not require you to stay in the hospital for observation. This includes prescribed medications and lab exams that doctors prescribe.
Coverage for Vision related concerns, this coverage includes prescribed eyeglasses or contacts or any exam or checkup related to your vision.
Coverage for Dental related concerns, this coverage includes normal procedures, cleaning, fillings etc. This however does not cover anything related to cosmetic procedures. If you are looking for only dental insurance, please check the coverage and price here : Dental Insurance Thailand
Helps lower the cost of your premium, a specified amount of money that the insured must pay before the insurance company will pay a claim.
Other insurance policies include Maternity cover, plans in Thailand do not have the option to take this out, it usually comes with the plan as a bonus or the plan is a much higher plan so it includes maternity coverage.
*Maternity coverage usually has a 10-month waiting period or 1 year, depending on what insurance company you decide to go with.
Most but not all insurance companies offer a no claim bonus, should you have no claims for the year, some insurance companies give a 10% reward discount to clients so their premiums will be less.
To find the best plans for yourself, you must always compare between available plans and options and also take a look at the terms and conditions from both of the insurance companies and the OIC thoroughly.