If you are an expat living in Thailand, you may be wondering which insurance company to choose for your health, travel, or property needs. There are many factors to consider when choosing an insurance company, such as reputation, coverage, price, and customer service. In this article, we will introduce you to some of the best insurance companies in Thailand for expats and explain what they offer.
Cigna Global
Cigna Global is one of the most popular international insurance companies in Thailand. They have been providing insurance services in Thailand for over 15 years and have a network of over 1,000 hospitals and clinics across the country. Cigna Global offers a modular plan design, which means you can customize your plan according to your needs and budget. You can choose from different modules such as inpatient, outpatient, dental, vision, wellness, and more. You can also choose your area of coverage, whether it is Thailand only, Asia only, or worldwide.
Cigna Global also has a special plan for expats and Thai nationals who live in Thailand called Cigna Global Health Thailand. This plan offers comprehensive coverage for hospitalization, surgery, cancer treatment, maternity, dental, and more. You can also enjoy benefits such as telehealth consultations, health check-ups, vaccinations, and wellness programs.
Besides health insurance, Cigna Global also offers travel insurance, critical illness insurance, and personal accident insurance. You can get a free quote online or contact their customer service team for more information.
Dhipaya
Dhipaya is one of the largest and oldest insurance companies in Thailand. They have been operating since 1954 and have a strong reputation in the local market. Dhipaya offers four health insurance plans for expats, two of which have deductibles to lower the premiums. The plans cover hospitalization, surgery, outpatient treatment, emergency evacuation, repatriation, and more. You can also add optional benefits such as dental care, maternity care, and critical illness cover.
Dhipaya also offers other types of insurance such as motor insurance, property insurance, pet insurance, and bike insurance. They even have a special insurance plan for Muslim customers that complies with Islamic law. You can apply for their insurance online or visit one of their branches across the country.
AXA
AXA is another well-known international insurance company that has a strong presence in Thailand. They offer a wide range of insurance products for individuals and businesses. For health insurance, they have three plans to choose from: SmartCare Optimum Enhanced (local plan), SmartCare Executive (regional plan), and SmartCare Exclusive (global plan). The plans cover inpatient and outpatient treatment, cancer care, organ transplant, chronic conditions, dental care, vision care, and more. You can also access their direct billing network of over 400 hospitals and clinics in Thailand.
AXA also offers travel insurance, personal accident insurance, motor insurance, and property insurance. They also provide mandatory health insurance for foreigners who want to enter Thailand during the Covid-19 pandemic. You can get a quote online or contact their customer service team by phone or email.
Luma Health
Luma Health is a regional insurance company that specializes in health insurance for expats in Asia. They have been operating since 2012 and have offices in Thailand, Singapore, Hong Kong, Vietnam, and Cambodia. Luma Health offers four health insurance plans: SimpleCare (basic plan), EssentialCare (standard plan), EliteCare (comprehensive plan), and UltimateCare (premium plan).
