Health insurance for expats moving to Thailand
Anyone moving to Thailand is treated there as a private patient and must pay treatment and hospital costs immediately and in full. The German Federal Foreign Office therefore recommends foreign health insurance with evacuation cover. We help you find the right private international health insurance.
Good to know: Thailand
- According to the German Federal Foreign Office, medical care is of high quality particularly in Bangkok and the major cities. In rural areas it may not meet European standards.[1]
- According to the German Embassy Bangkok, private hospitals have English-speaking and in part German-speaking doctors.[2]
- German patients in Thailand are treated as private patients and must pay treatment and hospital costs immediately and in full. In exceptional cases the embassy can cover only the costs of a state hospital, not the significantly higher costs of a private clinic.[2]
- Hospital costs often have to be paid or advanced before discharge. If a bill remains unpaid, a hospital may obtain a refusal of exit.[1]
- The German Federal Foreign Office recommends foreign health insurance with evacuation cover for Thailand.[1]
- For the LTR visa in the Wealthy Pensioners category, the Board of Investment requires health insurance covering the entire stay with at least USD 50,000 for hospitalisation and medical treatment and at least 10 months of remaining coverage. Group policies must provide at least USD 50,000 per person. Life insurance alone and travel insurance are not accepted. Alternatively, proof of Thai social security (SSO) benefits is possible.[3]
- For the LTR visa, the health insurance proof can initially be replaced by a signed Document Request Acknowledgement Form and submitted later. Documents not in English or Thai require a certified or notarised translation.[3]
- According to the Royal Thai Embassy in The Hague, the Non-Immigrant O-A visa requires a minimum age of 50 and permits a stay of one year from the date of first entry. Check the details with the embassy responsible for you before applying.[4]
Our offer for you
The scope of cover varies depending on the insurance product you choose. In general, these are private health insurance plans that give you worldwide flexibility.
Apply from abroad too
You can conveniently take out your cover from anywhere in the world.
Personal advice
With us, you won’t end up in a call centre. We always advise you individually.
The packages at a glance
| Benefits | Basic package | Extended package | Premium package |
|---|---|---|---|
| Outpatient treatment | not included | Included | Included |
| Inpatient treatment | Included | Included | Included |
| Medication, dressings and remedies | Included | Included | Included |
| Dental treatment | not included | not included | Included |
| Dentures/orthodontic treatment | not included | not included | Included |
| Preventive check-ups | not included | Included | Included |
| Vaccinations | not included | Included | Included |
| Pregnancy and childbirth | not included | not included | Included |
| Fertility treatment | not included | not included | Included |
| Visual aids incl. eye test | not included | not included | Included |
| Laser eye surgery | not included | not included | Included |
| Psychotherapy | not included | not included | Included |
| Medical transport, repatriation and transfers | not included | not included | Included |
| Run-off cover | not included | Included | Included |
| Congenital conditions | not included | not included | Included |
| Patient legal protection insurance | Included | Included | Included |
| Medical assistance | Included | Included | Included |
| Annual maximum | EUR 1,000,000 | unlimited | unlimited |
Frequently asked questions about Thailand
Do I need international health insurance for Thailand?
The German Federal Foreign Office recommends foreign health insurance with evacuation cover for Thailand. German patients are treated as private patients and must pay treatment and hospital costs immediately and in full.
What health insurance does the LTR visa require?
For the LTR visa in the Wealthy Pensioners category, the Board of Investment requires health insurance covering the entire stay with at least USD 50,000 for hospitalisation and medical treatment and at least 10 months of remaining coverage. Group policies must provide at least USD 50,000 per person. Life insurance alone and travel insurance are not accepted. Alternatively, proof of Thai social security (SSO) benefits is possible.
What is medical care like in Thailand?
According to the German Federal Foreign Office, it is of high quality particularly in Bangkok and the major cities, while in rural areas it may not meet European standards. Private hospitals have English-speaking and in part German-speaking doctors.
What happens if I do not pay the hospital bill?
Hospital costs often have to be paid or advanced before discharge, and if a bill remains unpaid, a hospital may obtain a refusal of exit. In exceptional cases the embassy can cover only the costs of a state hospital, not those of a private clinic.
What are the annual maximums of your packages?
The annual maximum is EUR 1,000,000 for the Basic package and unlimited for the Extended and Premium packages. Which proof applies to your visa in detail, we will clarify with you in a personal consultation.
Can I take out the insurance if I am already in Thailand?
Yes. You can conveniently take out your cover from anywhere in the world. With us, you won’t end up in a call centre. We always advise you individually.
Make a non-binding enquiry now
Do not hesitate to contact us. We are here to help you.
Sources
- Thailand: Travel and safety advice – German Federal Foreign Officeretrieved on 25 October 2026
- Help for German nationals – German Embassy Bangkokretrieved on 25 October 2026
- Required documents: Wealthy Pensioners (06-11-2025) – Thailand Board of Investment, LTR visaretrieved on 25 October 2026
- Non-Immigrant Visa O-A (long stay) – Royal Thai Embassy The Hagueretrieved on 25 October 2026