Health insurance in Thailand, compared on what the policy actually says.

It depends almost entirely on your age and on how the plan limits cover. Premiums on this site come from each insurer's own rate tables, so the figure you see is the figure the insurer charges — we never estimate one. Enter your age to see real prices.

Because the cheapest number on a page is often not comparable to the ones above it. A cancer lump-sum policy, a personal-accident policy and a full health policy can all look like 'insurance' in a list, and the cheapest is usually the one covering the least. We separate plans by what they cover and by how they limit cover, and only rank within a group.

A per-confinement plan applies its limits to each hospital stay, so a long or repeated admission can use up a line more than once in a year. An annual-aggregate plan has one pot for the policy year. The same headline number means different things under each, which is why we never compare them side by side.

No. No payment is taken here. You apply, the insurer underwrites — usually three to seven days — and then invoices you directly. Cover starts once they have verified payment.

It means we could not verify that line against the insurer's own documents, so we will not print a number for it. It is different from 'not covered', which is the insurer stating they pay nothing on that line.

No. You can compare plans and see real premiums without giving us anything that identifies you. We ask for an email only if you want the quote sent, and for a phone number only if you ask to speak to an adviser.

Nine Thai health insurers. Every quote runs against all nine, so what you see is the whole set we cover, not a shortlist of whoever pays us. Each insurer has a page describing what it covers and how its plans limit cover.

OPD is treatment you get without being admitted overnight — a doctor's visit, tests, minor procedures. In-patient cover is the rare, expensive risk; OPD is the frequent, smaller one. Adding OPD raises the premium noticeably, so it is worth deciding deliberately rather than by default.

It is the standardised policy wording Thai health insurers moved to, which makes benefit lines easier to read across insurers. Where a plan follows it we label it on the plan card, taken from the insurer's own product data rather than from our reading of the rules.

We do not ask health questions here, so nothing you tell us on this site changes what you are shown. Pre-existing conditions are assessed by the insurer during underwriting, after you apply, and can lead to exclusions, a loading on the premium, or a decline. That decision is the insurer's, not ours.

It depends on the plan's area. Some are Thailand-only, others cover the region or are worldwide. Every plan shows its area, and we never rank a Thailand-only plan against an international one — the cover is not the same thing, so the cheaper number would not mean anything.

Not online. Those policies pay a fixed sum rather than your medical costs, so they are never ranked against health plans — the cheapest number in a mixed list is almost always the one covering least. We do price them, and an adviser can arrange one alongside a health plan.

A top-up sits on top of an existing policy and only pays above a deductible. It looks cheap next to a standalone plan because it is not one: on its own it does nothing. Wherever a top-up appears we flag that it requires an underlying policy.