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Compare International Health Insurance Plans
Get instant prices from leading insurers — compare side by side, then request your quote.
Comparing plans across leading insurers...
9 plans found
Indicative pricing shown for illustration — replace with your real insurer rates any time. Final premium confirmed directly with the insurer based on full application details.
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Choose the type of protection you need today.
Health Insurance
Medical cover for expats, retirees, families and digital nomads.
Travel Insurance
Short-stay and regional protection for trips in and out of Thailand.
Motor Insurance
Vehicle cover made easier for international drivers and owners.
Home Insurance
Condo, property and belongings protection for life in Thailand.
Life Insurance
Long-term protection for family, dependents and future plans.
Family Insurance
Plans that make sense for partners, children and dependents.
Business Insurance
Liability, employee benefits and operational risk protection.
Employee Benefits
Group medical plans and benefits strategy for international teams.
FAQ
Frequently Asked Questions
Everything you need to know about international health insurance in Thailand.
What is international health insurance for expats?
International health insurance is a policy designed for people living outside their home country. Unlike travel insurance, it's built for long-term residents — covering routine care, ongoing treatment, and major medical events for as long as you're living abroad, with plans that can follow you if you relocate to another country.
How is it different from a local health insurance plan?
Local Thai plans are typically priced and regulated for Thai residents, and coverage may not transfer if you move again. International plans are priced for a globally mobile life — many offer direct billing at private hospitals, coverage that extends beyond Thailand, and continuity even if your visa status or country of residence changes.
Can I get coverage if I have a pre-existing condition?
It depends on the insurer and the condition. Some pre-existing conditions can be covered after a waiting period, others may be excluded, and some insurers assess case by case. Because every provider handles this differently, we compare across insurers to find the plan most likely to cover your specific situation, and confirm the exact terms in writing before you commit.
How do I make a claim?
For inpatient treatment, most plans offer direct billing — the hospital bills your insurer directly, so you rarely pay upfront. For outpatient visits without direct billing, you typically pay at the clinic and submit a claim with your receipts for reimbursement. Our team can walk you through your specific insurer's claims process once you're covered.
Is the quote I see the final price?
The prices shown are indicative, based on the details you provide. Your final premium is confirmed directly by the insurer once they've reviewed your full application, including medical history. In most cases the confirmed price is close to the estimate, but we always get it in writing before you're asked to pay anything.
Do I need a visa or work permit to get insured in Thailand?
No — international health insurance isn't tied to your visa or work permit status. Retirees, remote workers, digital nomads, and business owners can all apply. Some Thai visa categories do require proof of health insurance meeting a minimum coverage level, and we can help you choose a plan that satisfies those requirements if that applies to you.
Can I add my spouse or children to my plan?
Yes. Most insurers we work with offer family plans that cover a spouse and dependent children under one policy, often at a better combined rate than separate individual plans. Some also offer maternity coverage as an add-on if you're planning for a growing family.
What happens to my coverage if I leave Thailand?
This is one of the main advantages of international over local coverage — most plans aren't tied to Thailand specifically. If you relocate, you can usually adjust your coverage region (for example, from Asia to worldwide) rather than losing your policy and having to start over with a new insurer in your next country.
How long does it take to get covered?
Getting a quote takes about a minute using our comparison tool. Once you choose a plan and submit an application, most insurers confirm approval within a few business days, though this can vary depending on the plan and whether any additional medical information is needed.
Do you charge a fee for using Borderless Insurance?
No — comparing plans and getting advice through Borderless Insurance is free. We're compensated by the insurers when a policy is placed, similar to how most insurance brokers work, so the price you pay for a plan is the same whether you buy it through us or directly.
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