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A Health /Medical Insurance policy can protect you from bearing the full expense of regular health care, be it the costs of medical and surgical procedures. In exchange for paying a premium, your insurance company will cover the costs of your healthcare and certain medical procedures when you experience an unexpected illness and injuries.

Should you have a Health plan via your employer, you can also have the option of purchasing your healthcare coverage privately to boost the amount of medical cover, providing you peace of mind for any major medical scenario.

Health Insurance will provide for you for those unexpected illnesses, injuries and accidents that may occur. Having a Health Insurance policy can protect you from both financial, mental and emotional  stress.

Should you have no Health Insurance cover or you are with limited funds, you could end up in a very difficult situation to pay your hospital bills because of unforeseen circumstances.

Having an adequate health insurance policy  helps you to be control of your health. With routine testing / annual check-ups, this can help with early detection of conditions and diseases, such as diabetes, heart conditions, thyroid problems and cancers, which can require much more extensive and costly care if they go untreated if not dire endings

Your Health Insurance policy and premium is based on the following :

1. Which Insurance company you select
2. Your age
3. your plan selection
4. area of coverage and,
5. whether you opt to have either a  co-payment and, or a deductible ( Excess) .

Should you wish to reduce the Health Insurance premium, pending upon the Insurance Company and the level of cover selected, you can opt for one of the following:

1. Deductible / Excess: This is the elected amount of money that you agree to pay for your medical treatment before the Insurance company settles the medical Bill. This can be either applied as per claim or per year basis, depending on the selected Insurance company. Eg You have a bill of B150,000 and an excess of B40,000 on your policy. You would pay first B40,000 of this cost and the Insurance company would cover the remaining B110,000.
2.  Co-payments: With a co-payment, the insurance company agrees to pay for a service but you must cover a pre-set cost, eg 500 Bht. This cost applies every time you schedule a service that has an assigned co-pay. Co-pays can be lower or higher depending on the plan or according to the service provided.

Speaking with one of our staff, we will work with you to find the best solution to your needs

All members of the family, yourself and your dependents will be covered on the same plan with the same chosen excess and co-pay. An age-rated premium applies for each insured member

Premiums are payable annually in advance, by bank transfer or credit card. Some Insurance companies will, for an additional charge, allow for either bi- annual or quarterly premium payments. There are not many companies in Thailand that provide monthly premium payments

Depending upon your entry age and the Insurance Company chosen, you may require to have a medical examination. This is normally applied to the more senior applicants of 60 yrs and older. In most cases, you only need to complete a medical questionnaire.

It is not to your benefit by hiding any medical information as it can can cause you more harm than good. Should the insurance company find this out, they can either cancel your policy outright or deny paying any claims.