Insurance & Family Protection
Protecting an expat family in Thailand: international life insurance, family protection when you relocate, critical illness and income protection, beneficiaries on cross-border policies, policies that move with you, and reviewing your cover when life changes.
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Guides in this section
View all Family, Education & Protection guides →
International Life Insurance for Expat Families
Life cover that works when you live abroad.
Read the guide →
Family Financial Protection When Relocating
Keeping your family covered through a move.
Read the guide →
Critical Illness and Income Protection Concepts
If illness stops the income.
Read the guide →
Beneficiaries and Cross-Border Policies
Making sure the money reaches the right people.
Read the guide →
Policy Portability for International Families
Cover that moves when you do.
Read the guide →
Reviewing Protection Needs After Major Life Changes
When to check your cover — and what to change.
Read the guide →Need Personalised Financial Advice?
Speak to our team for tailored guidance on travel money, banking and managing your finances in Thailand.
Insurance for Thailand
Get covered before you go — quotes for visitors, expats and businesses, arranged through our team.
Family Protection at a Glance
The main types of cover expat families in Thailand use — what each pays, who it protects and what to watch for. We take leads for insurance and introduce you to specialists.
Read the Life Insurance Guide →| Cover | Type | Pays out | Best for | Watch for | Read Guide |
|---|---|---|---|---|---|
| LFree protection review with Lawrence (JLIT) | Family protection planning | Free review; introductions to specialists | Knowing what cover you need | Ask how any ongoing advice is paid for | Read → |
| TTerm life insurance | Cover for a set number of years | A lump sum on death within the term | Families with children and debts | UK policies may not cover you abroad | Read → |
| WWhole of life cover | Cover for life | A lump sum whenever you die | Estate and inheritance planning | Higher premiums | Read → |
| HHealth insurance | Medical treatment | Hospital and medical bills | Every family in Thailand | Age limits and exclusions | Read → |
General guidance compiled October 2026. Policy terms, age limits and premiums vary by insurer and your health — always read the policy terms.
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Protecting your family
Frequently Asked Questions
View all FAQs →Does my UK life insurance cover me in Thailand?
Not always. Many UK, US and EU insurers won't cover people living permanently abroad, or restrict cover. Check your policy terms and tell your insurer before you move.
How much life cover does a family need?
Enough to clear debts, replace income for the years your family would need it, and fund children's education. Many families need several times their annual income.
Should my life policy be written in trust?
Often yes. A trust can get the payout to your family quickly, outside your estate, and avoid delays in two countries.
Can I claim tax relief on life insurance in Thailand?
Thai tax residents can deduct life insurance premiums paid to Thai insurers, up to ฿100,000 a year combined with health premiums.
What is the difference between critical illness and income protection?
Critical illness pays a lump sum on diagnosis of a listed serious illness; income protection pays a regular income if you can't work.
Can someone help me choose cover?
Yes. We take leads for insurance — use the enquiry form and Lawrence will review your needs and introduce you to specialists, free.
Important: This guide is general information, not personal financial advice. Fees, limits and eligibility change; we check every figure on the date shown, but always confirm the current terms with the provider before you apply or travel. Some links on this page may be affiliate links, which means JLIT may earn a commission if you open an account — this never changes the price you pay.
