General - Frequently Asked Questions

Here’s a compilation of the FAQs we receive on daily basis. If you can’t find the answers you are looking for in this section, please call us or drop us an email.

Health Insurance

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It helps cover the cost of healthcare services and helps reduce the financial burden in case of an illness or injury.
The specific services covered by health insurance vary depending on the type of policy, but most plans typically cover medical services such as doctor visits, hospitalisation, prescription drugs, and diagnostic tests. Some plans may also cover preventive care, such as routine physical exams and immunizations.
When choosing a health insurance plan, consider factors such as your age, health status, and budget. You should also consider your insurance needs, such as how often you visit the doctor or need prescription drugs. It is important to compare different plans and their features before making a decision.
A deductible is the amount you have to pay for covered health care services before your insurance begins to pay. For example, if your deductible is $1,000, you will have to pay the first $1,000 of covered services yourself, and your insurance will start paying after that.
A co-payment is a fixed amount you pay for a specific health care service, such as a doctor visit or prescription drug. Coinsurance is a percentage of the total cost of a covered health care service that you are responsible for paying. For example, if your coinsurance is 70%, you would pay 30% of the cost of a covered service, and your insurance would pay the rest.
A pre-existing condition is a health problem or condition that you had before enrolling in a health insurance plan. Most insurance plans available will not cover the cost of treatment for pre-existing conditions, if they do cover, it will be very limit coverage.
Mental health services in Thailand and Southeast Asia are not typically covered by health insurance, but the extent of the coverage may vary depending on the specific policy. Mental health services such as therapy, counselling, and medication may be covered, but policies may have limits or restrictions on these services.
In most cases, you can change your health insurance plan during the year, but there may be certain restrictions or limitations. For example, you may only be able to change your plan during the open enrollment period or if you experience a qualifying life event.
No, health insurance is not mandatory in Thailand, but it is highly recommended, especially for expatriates and long-term visitors. There are ever changing requirements of $10,000 USD minimum for travellers so, we recommend contacting us with your needs and we can get the best package for you.
There are several types of health insurance available in Thailand, including comprehensive health insurance, international health insurance, and local health insurance. Our agents quote the best and most recommended package to clients first, if it doesn’t suit you we have other options.
Yes, you can choose the hospital and doctor for your treatment, but it is best to check if they are in-network for your health insurance. If you choose an out-of-network provider, you may have to pay more out of pocket for your care or on a pay first claim later basis if that hospital doesn't have the direct billing facility.
The cost of health insurance in Thailand varies depending on factors such as your age, health status, and type of insurance. On average, a comprehensive health insurance policy can cost between 25,000 THB to 100,000 per year.
If you have health insurance in Thailand, you can use your insurance at public hospitals, but you may have to pay a co-payment or coinsurance for your treatment. Public hospitals in Thailand often have a higher volume of patients, so it may be more convenient to choose a private hospital for your treatment.
The process for claiming health insurance in Thailand can vary depending on the insurance provider. Typically, you will need to present your insurance card and provide proof of payment for your treatment to the hospital or clinic. Your insurance company will then process the claim and reimburse you for the covered expenses. Typically we recommend policies with direct billing so you don’t have to pay first and claim later.
Yes, you can renew your health insurance policy in Thailand. Most health insurance policies in Thailand have a renewal option, and you can choose to renew your policy on a yearly basis. Typically your policy price goes up each year with age.
No, agents can only give you an educated guess of how much your premium goes up each year. All pricing is subject to medical inflation.
Krungthai AXA medical insurance has a direct billing system that kicks in after 90 days of coverage, which means you don't have to pay out of pocket and submit a claim later. However, in the case of large claims within the first year of coverage, Krungthai AXA reserves the right to review your medical history, which can take up to 90 days. But, if you are insured through Easy Living Insurance agents, they can usually expedite the process and complete the medical history check within 10 to 14 days. Accidents are usually covered immediately without checks.

Life Insurance

Life insurance is a contract between the policyholder and an insurance company, where the policyholder pays regular premiums in exchange for financial protection in the event of their death. In Thailand, life insurance typically pays a lump sum of money to the beneficiary upon the policyholder's death.
Life insurance can be purchased by anyone who is a resident of Thailand and meets the insurance company's eligibility criteria, which typically includes minimum age requirements and health criteria.
There are several types of life insurance policies available in Thailand, including term life insurance, whole life insurance, and endowment insurance. The policy that is right for you will depend on your specific needs and goals.
Life insurance in Thailand provides financial protection for your loved ones in the event of your death. It can help cover expenses such as funeral costs, outstanding debts, and provide a source of income for your dependents.
To choose the right life insurance policy for you in Thailand, it's important to consider your financial needs and goals, as well as your age, health, and family circumstances. It's also important to compare policies from different insurance companies to determine which one offers the best coverage and benefits for your needs.
The premium payments for life insurance in Thailand will vary depending on the type of policy you choose, your age, health, and other factors. Premiums can be paid on a monthly, quarterly, or annual basis.
If you stop paying your life insurance premiums in Thailand, your policy may become inactive or cancelled, depending on the specific policy and insurance company. If your policy cancels, you will no longer be covered and will not receive any benefits in the event of your death.
To make a claim on your life insurance policy in Thailand, you or your beneficiaries will need to contact the insurance company and provide proof of death, such as a death certificate. The insurance company will then process the claim and pay the benefits to the beneficiaries as specified in the policy.

Auto Insurance

There are several types of Auto insurance available in Thailand, including third-party liability insurance, third-party fire and theft insurance, and comprehensive insurance
Yes, car insurance is mandatory in Thailand for all vehicles on the road.
The cost of car insurance in Thailand can vary based on several factors, including the make and model of your vehicle, your driving history, and the level of coverage you choose. On average, a comprehensive car insurance policy in Thailand can cost anywhere from 5,000 to 30,000 THB per year.
You can renew your car insurance in Thailand by contacting your insurance provider or visiting their office. It is important to renew your car insurance before it expires to ensure that you are fully covered while driving.
If you get into a car accident in Thailand, it is important to remain calm and follow the steps outlined in your insurance policy. You should exchange information with the other driver, contact the police, and contact your insurance provider as soon as possible to report the accident.
The claims process in Thailand typically involves submitting a claim form to your insurance provider, providing proof of the damage or loss, and cooperating with any investigations or assessments. Your insurance provider will then review your claim and determine if it is covered under your policy. If your claim is approved, you will receive a payment for the amount covered by your policy.
Driving without car insurance in Thailand is illegal and can result in serious consequences, including fines, impoundment of your vehicle, and even jail time in some cases.
Yes, foreigners need to have a valid Thai Driving License in order to claim car insurance in Thailand. This is because a valid driving license is required to legally operate a vehicle on the roads in Thailand.
There are two ways to obtain a Thai driving license: by applying for a new license and taking the test in English at the Transport office, or by translating your existing foreign license. The waiting list for obtaining a new Thai driving license can be long, up to 2 to 3 months in some cases. In such cases, you can choose to pay an agent to expedite the process.

House & Business Insurance

House insurance is a type of property insurance that provides coverage for damages to a private residence or dwelling. This can include coverage for the structure of the house, as well as the contents inside. House insurance can also provide liability coverage in the event someone is injured on the property.
Business insurance provides coverage for a variety of risks faced by a business, including property damage, liability for injury to customers or employees, and financial losses due to business interruption. The specific coverage offered by a business insurance policy can vary greatly, so it's important for business owners to carefully review their options and choose a policy that meets their specific needs.
In some countries, house insurance is not mandatory, but it is highly recommended. Having house insurance can provide peace of mind and financial protection in the event of damages to the property or contents, as well as provide liability coverage.
There are many factors that can impact the cost of business insurance, including the size and type of business, location, industry, and the specific coverage being sought. Businesses in high-risk industries, such as construction or manufacturing, may have to pay higher insurance premiums due to the increased risk of loss.
A deductible is the amount that a policyholder must pay out-of-pocket before their insurance coverage kicks in. For example, if a policy has a $500 deductible, the policyholder would be responsible for the first $500 of damages, and the insurance would cover any remaining costs. The higher the deductible, the lower the insurance premium will be.

Group Insurance

A group insurance policy is a type of insurance coverage that is provided to a group of individuals, such as employees of a company or members of an organization. The policy is typically purchased by the employer or organization, and the cost of coverage is shared among the members of the group.
In Thailand, group insurance policies may provide coverage for life, health, accidental death and dismemberment, and other types of risks. Some policies may also include coverage for critical illnesses or long-term disability
Eligibility for coverage under a group insurance policy in Thailand will vary depending on the specific policy and the terms and conditions established by the employer or organization. However, it is common for employees of a company or members of an organization to be eligible for coverage.
The cost of a group insurance policy in Thailand will depend on a number of factors, including the type of coverage, the number of individuals being covered, and the age and health of the members of the group. The employer or organization typically pays a portion of the premium, and the remaining cost may be shared among the members of the group.
The ability to choose your own doctor and hospital may depend on the terms and conditions of the specific group insurance policy. Some policies may have a network of approved providers, while others may provide more flexibility in choosing a medical provider. It is important to review the policy details carefully to understand what is covered and what limitations may exist.
If you leave your job or the organization that provides your group insurance coverage, your coverage may be cancelled or may continue for a specified period of time, depending on the terms and conditions of the policy. Some policies may allow you to convert your coverage to an individual policy, while others may require you to find new coverage through another employer or organization.

Accident Insurance

Accident Insurance is a type of insurance coverage that provides financial protection in the event of an accidental injury or death. The policy provides a specified payment amount to the policyholder or their beneficiaries in the event of a covered accident, which can be used to cover medical expenses incurred as a result of the accident.
Coverage under Accident Insurance policies in Thailand typically includes compensation for accidental injury, accidental death, and permanent disability resulting from an accident. Some policies may also offer additional benefits such as hospitalization expenses, rehabilitation costs, and funeral expenses.
Accident Insurance is available to residents of Thailand who are between the ages of 0 to 64 years old. Some insurance companies may have additional age restrictions or requirements for purchasing coverage.
The process for making a claim under Accident Insurance in Thailand typically involves showing your accident card to the hospital and providing them with relevant documentation and information, such as a police report if it's an accident on the road, and proof of identity. They will submit your claim directly to the insurance company and they will then review the claim and determine if it is eligible for compensation under the terms of the policy.
The cost of Accident Insurance in Thailand varies depending on a number of factors, including the individual's age, gender, health status, and the amount and type of coverage being purchased. On average, premiums for Accident Insurance in Thailand can range from a few thousand Baht per year to tens of thousands of Baht, depending on the policy.
Yes, there are typically exclusions under Accident Insurance policies in Thailand, such as coverage for accidents resulting from intentional self-harm, suicide, or criminal activities. Some policies may also exclude coverage for accidents that occur while participating in high-risk activities, such as skydiving or mountain climbing. It is important to carefully review the policy terms and conditions to understand what is and is not covered under the policy.