Health Insurance Guide for Expats and Travellers in Thailand

Welcome to your ultimate guide to finding the perfect health insurance plan for your stay in beautiful Koh Samui, Thailand! As an expat, it’s paramount to ensure you’re fully covered in case of any unforeseen medical situations. Navigating through a wide range of insurance companies and their diverse offerings can be quite a task, but fret not! We’ve got you covered with this comprehensive guide tailored to your needs, regardless of your visa type – be it an O-A retirement visa, 10-year long-term resident visa, general expat visa, or tourist visa.

As Thailand’s popularity surges as a destination for expats and retirees, particularly in the idyllic island paradise of Koh Samui, securing the right private health insurance is crucial. However, the vast variety of expat insurance and international health insurance plans can be overwhelming. This guide helps streamline your search for an ideal health insurance policy.

Health Insurance for O-A Retirement Visa Holders

For those in possession of an O-A retirement visa, Pacific Cross is an excellent choice. Pacific Cross stands out amongst various insurance companies with their comprehensive coverage. This encompasses inpatient and outpatient care, prescription drugs, and emergency medical evacuation. Coverage extends to private hospitals, public hospitals, and any other necessary medical facility. Importantly, the O-A retirement visa mandates a minimum coverage of 400,000 baht for inpatient care and 40,000 baht for outpatient care.

Another solid option for O-A retirement visa holders is AXA Insurance. Offering an extensive range of services including hospitalization, outpatient treatment, and even emergency accidental dental care, AXA goes the extra mile. Their plans cater to traditional Chinese medicine treatments, mental illnesses, and even pre-existing conditions.

Health Insurance for 10-Year Long Term Resident Visa Holders

For 10-year long-term resident visa holders, Bupa and Luma Health Insurance are the top choices. Both provide in-depth coverage, including inpatient and outpatient care, prescription drugs, and emergency medical evacuation, along with attention to pre-existing conditions and mental health treatment. Luma further includes coverage for cancer treatment.

Health Insurance for General Expat Visa Holders

General expat visa holders can find solace in Allianz Care and Cigna. Both offer a wide range of services, from inpatient and outpatient care to prescription drugs and emergency medical evacuation. Coverage for pre-existing conditions and mental health treatments are also included in their plans.

Travel Insurance for Tourists

Tourists visiting Koh Samui will find World Nomads and SafetyWing as reliable choices for travel insurance. Both of these cater to emergency medical and dental care, along with emergency medical evacuation. SafetyWing goes a step further and includes coverage for pre-existing conditions and COVID-19 related illnesses.

Advantage of Health Insurance in Thailand’s Medical Tourism

Thailand is a hub for medical tourism. It is known for its affordable and quality medical treatments. With an expat health insurance plan, you can take advantage of the wide range of treatments available, including dental care and maternity care in top-tier private healthcare institutions.


Having an optimal health insurance policy is essential for a stress-free stay in Thailand. It assures peace of mind and covers your medical expenses, which can be substantial, especially in a medical emergency. Researching and comparing different expat insurance and international health insurance plans is key to finding the perfect fit.

Remember, it’s always advisable to have coverage in place before you arrive in Thailand. Even though insurance can be purchased post-arrival, pre-arrival arrangements avoid any potential complications. While health insurance isn’t compulsory for tourists, it’s highly recommended to have at least travel medical insurance to cover any potential medical emergencies. Your health insurance policy must meet the specific requirements of your visa type, so thorough research and consideration are essential. Enjoy your time in Koh Samui, knowing you are well-covered.


How do I know what type of visa I have for Thailand?

You can find out what type of visa you have by checking your passport or contacting the Thai embassy or consulate in your home country.

What is the minimum coverage required for an O-A retirement visa?

The minimum coverage required for an O-A retirement visa is 400,000 baht for inpatient care and 40,000 baht for outpatient care.

Can I purchase insurance after arriving in Thailand?

Yes, you can purchase health insurance after arriving in Thailand, but itโ€™s best to have coverage in place before you arrive.

Do I need health insurance as a tourist in Thailand?

While not required, itโ€™s highly recommended to have travel medical insurance that covers medical emergencies when visiting Thailand.

Can I choose any insurance plan for my Thai visa?

A: No, itโ€™s important to choose a plan that meets the specific requirements of your visa type. Make sure to do your research and choose a plan that fits your individual needs.

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About the Author: Jason Walker

Hello! I'm Jason, from Manchester, UK. I've spent five years exploring every corner of this island paradise, from its diverse food scene to thrilling water sports and convenient shopping. Combining my passion for Koh Samui and my digital marketing skills, I created Samui Now, your insider's guide to the best this island has to offer. Join me as we uncover Koh Samui's hidden gems, one post at a time!