Health insurance in Thailand
Plan your stay in Thailand with complete peace of mind, whether for work, study or vacation.
You’re going to Thailand and need expatriate insurance, compulsory pensioner insurance or health cover for your trip. What do you need to know about Thailand’s healthcare system? We tell you all about it! Mondassur allows you to cover all your risks by choosing a personalized international health insurance policy tailored to all your needs.
Student insurance Thailand
The insurance that covers your stay for your studies in Thailand.
Starting from
27€
- Worldwide coverage
- Maximum age: 35
- Covers emergencies and accidents
- Covers hospitalization and routine medical care
- Up to €250,000 per year
- Standard dental and optical expenses up to €550
- Contraception coverage + vaccines
- Maternity care
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Thailand
International health insurance to cover your expatriation to Thailand.
Starting from
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers hospitalization and routine medical care
- Up to €1,500,000 per year
- Maternity coverage up to €4,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Travel insurance
Thailand
Health insurance to cover your trip to Thailand.
Starting from
30€
- Worldwide coverage
- Maximum age: 85
- Covers emergencies and accidents
- Up to €500,000 per trip
- Covers loss, theft or destruction of luggage
- Repatriation assistance
- Travel assistance
- Civil liability
Any questions? Need advice?
How to choose insurance for Thailand?
Do I need health insurance in Thailand?
Although the health care system in Thailand is efficient, the cost of care in private clinics can be high, so it is strongly advised to take out expatriate health insurance for adequate coverage. Thailand continues to have a humid climate and mosquitoes are always present, capable of transmitting diseases such as dengue fever and malaria. It is therefore always advisable to consult your doctor before departure to ensure that your vaccinations are up to date.
The expatriate insurance plans offered by Mondassur meet the many criteria for minimum medical coverage. Expatriates are guaranteed to be well covered worldwide and in Thailand. Mondassur will work with you free of charge to study your current medical coverage and the different health insurance plans for Thailand according to your budget and needs.
And if you’re over 65 and planning to move to Thailand, we advise you to take out our Gold Visa contract.
Working in Thailand
If you want to work in Thailand, you should be aware that some jobs are not open to foreigners. The decree in question, adopted in 1979 to protect the labor market in favor of locals, bans foreigners from 39 professions, including cab drivers, street vendors, hairdressers and even tourist guides. You can find the full list of jobs forbidden to foreigners on the Internet. However, if you have obtained Thai nationality, you can apply for these jobs and be treated on an equal footing with other Thai citizens.
To work in Thailand, you’ll need a work permit, without which any professional activity is illegal. Teaching jobs are popular with expatriates, and salaries vary according to experience and qualifications, ranging from 30,000 THB to 100,000 THB per month (816 to 2,722 euros). It’s also worth noting that as of April 1, 2021, the legal minimum wage in Thailand is 331 baht (around 9 euros) a day, which equates to around 10,000 baht (around 280 euros) a month for full-time work.
What's Thai culture like?
Thai culture is marked by a strong emphasis on family and community. Thais have great respect for the elderly and value kindness, politeness and hospitality. Buddhism is also very much a part of Thai daily life, and many Buddhist temples can be visited throughout the country. Religious festivals are deeply rooted in Thai culture, such as Buddhist New Year or Songkran, when people throw water on each other to purify themselves. Traditional dance, music and art are also important elements of Thai culture.
How do you send your children to school in Thailand?
Children’s schooling is compulsory between the ages of 6 and 15. Public schools are free and the Thai school system works as follows:
– 3-year kindergarten
– Elementary school over 6 years
– Secondary school (collège and lycée) over 6 years.
For expatriates, you can enroll your child(ren) in state schools or in one of the many fee-paying international schools. In Bangkok alone, there are 40 international schools. However, tuition fees at these international schools can be quite high, ranging from 8,000 to 25,000 euros per year for a single enrolment, depending on the school and the child’s academic level. Fees may also vary depending on additional options such as extracurricular activities, exam fees, school uniforms and classroom supplies. In addition, some international schools may require payment of a non-refundable enrolment fee and a deposit fee to secure the child’s place at the school.
Accommodation in Thailand
If you’re an expatriate in Thailand, there are several options for finding accommodation, such as company housing provided by certain companies, or seeking advice from specialized real estate agencies or Facebook groups. Property prices are considered affordable for expatriates, although there has been a +1000% increase in land prices in Bangkok over the last 30 years.
Furnished accommodation is also common in Thailand, and expats can find many furnished apartments and houses for rent at reasonable prices. Charges such as water, electricity and internet are often included in the monthly rent, which can simplify financial management. For a monthly rent of €350 to €500, you can find very good apartments for two people, while large apartments with 3 to 4 bedrooms can cost between €1,500 and €2,500.
How much does it cost to live in Thailand?
The cost of living in Thailand is considered attractive for expatriates due to the affordable cost of housing, transport and the varied and accessible food. Outdoor dining is very cheap due to the prevalence of street food in Thailand, with meals costing around 100 baht (2.7 euros) at street stalls. However, the meal budget will be about the same as in more developed countries if you choose to eat in a Western restaurant. Shopping is also very easy in Thailand, with numerous small shops and supermarkets such as 7-Eleven, Family Mart, Big C, Tesco Lotus, Foodland and TopsMarket. However, it is important to note that imported foods are often very expensive in supermarkets.
Driving in Thailand
To drive in Thailand, you can apply for your international document, valid for 3 years, or convert your license into a Thai one.
As a reminder, on Thai roads, you drive on the left! As in the rest of Asia, road accidents are very common in Thailand, especially on 2-wheelers. Be careful, and remember to take out health insurance to cover such accidents!
How does Thailand's healthcare system work?
Travel insurance is compulsory in Thailand for visitors, in order to reduce the medical costs borne by public hospitals, particularly those caused by the many road accidents. This measure is crucial to avoid exorbitant medical costs in the event of an accident, and to ensure fast, efficient care. However, these compulsory insurances do not offer complete protection. We advise you to take out insurance with a specialist broker such as Mondassur, which offers suitable cover, including 100% reimbursement of medical expenses, repatriation assistance and civil liability. This insurance gives you peace of mind and optimum coverage during your stay in Thailand.
How do I consult a general practitioner or specialist in Thailand?
For retirees wishing to settle in Thailand, the O-A visa is a popular option. This long-term visa requires international health insurance, essential to cover the high medical costs in Thailand. Gold Nomad Expat health insurance is ideal for retirees, offering comprehensive coverage including emergency care, hospitalization and repatriation. In addition to meeting O-A visa requirements, this insurance provides retirees with financial protection in the event of illness or accident, guaranteeing peace of mind and access to quality care. By taking out insurance through a specialized broker like Mondassur, you can benefit from tailored cover and competitive rates, ensuring a safe and worry-free expatriation.
Pediatric care in Thailand
Professionals and investors need to be covered against high medical costs, emergency care and hospitalization. GoldExpat health insurance offers comprehensive protection, including repatriation assistance, third-party liability and specialized care. By taking out insurance through a broker like Mondassur, you benefit from personalized cover and negotiated rates, ensuring optimum coverage for living and working in Thailand with complete peace of mind.
The emergency department in Thailand
To obtain a Long-Term Resident (LTR) visa for Thailand, international health insurance is required. This visa, designed to attract highly qualified professionals, offers many advantages, but full medical coverage is essential to obtain it. Our health insurance for expatriates in Thailand is particularly well adapted, offering extensive cover including emergency treatment, hospitalization and repatriation. This coverage provides financial protection against high medical costs in Thailand and ensures access to quality care, crucial for professionals, retirees and other long-term residents.
