Health Insurance in Thailand, Made Simpler
Tell us who needs cover and JayLIT will introduce you to Katya, your AI insurance concierge, for one guided conversation about your requirements.
Turn on your microphone
Katya needs to hear your answers. Tap the button below, then choose Allow when your phone asks for microphone access.
It costs you nothing
There is no JLIT fee for preparing and passing on your health insurance enquiry.
Save valuable time
Answer the essential questions once instead of repeating the same details several times.
Tell us once
Katya prepares a clear summary of your cover preferences and contact details.
Vetted professionals
Your enquiry can be reviewed by an appropriate insurance professional with relevant experience.
Understanding health insurance in Thailand
The right policy depends on how you use healthcare, where you want treatment and how much risk you are comfortable keeping yourself. These are the main choices Katya will help you work through.
Inpatient cover
For hospital admission, surgery, intensive care and major treatment — usually the core of a private medical policy.
Outpatient cover
Consultations, diagnostic tests, medicines and treatment where you are not admitted overnight.
Geographic coverage
Thailand only, Southeast Asia, worldwide, or worldwide including the United States.
Chronic & ongoing care
Cancer, chronic illness and long-term treatment benefits vary significantly between insurers.
What kind of protection might you need?
You do not need to know the exact policy type before making an enquiry. A licensed insurance professional can explain the relevant options, limits and exclusions.
Individual or family cover
Insure yourself alone, or extend cover to a partner and family members under one enquiry.
Local or international policies
Options may range from Thailand-only cover to full worldwide policies, depending on your needs and budget.
What can affect the policy terms and premium?
The cheapest premium is not always the best value. These are some of the details that commonly matter.
Ready to discuss your requirements?
Return to JayLIT at any time and start the guided insurance concierge.
What Katya will ask you
The conversation is deliberately short and gathers only the core information needed to prepare a useful health insurance enquiry.
- Who the cover is for — yourself, a partner or your family
- Your age and nationality
- Where in Thailand you're based
- The type of cover and geographic area you're considering
- Your existing policy, if you have one, and when it renews
- Roughly what budget you have in mind
- Any medical conditions worth declaring upfront
- Your contact details and preferred contact time
Introductions to verified insurance professionals
JLIT checks the business information supplied by participating professionals before accepting them onto the platform.
Health insurance questions
A few of the most common questions people ask when arranging private medical insurance in Thailand.
Do I need inpatient and outpatient cover?
Inpatient cover protects against larger hospital costs. Outpatient cover can be useful if you regularly need consultations, tests or medication, but it normally increases the premium.
What is a deductible?
A deductible is the amount you agree to pay before the insurer contributes. Choosing a higher deductible can reduce the premium, but it also increases the amount you must fund yourself.
Can pre-existing medical conditions be covered?
That depends on the insurer, the condition and the underwriting decision. A condition may be covered, excluded, subject to a waiting period or accepted with an increased premium.
What geographic area should I choose?
Consider where you live, where you travel and where you would realistically seek treatment. Worldwide cover including the United States is generally more expensive than Thailand-only or regional cover.
How quickly will someone contact me?
After you submit the enquiry, an insurance agent can review the information you provided and contact you using your preferred details and contact time.
Still deciding what you need?
Katya will ask the questions one at a time and prepare the enquiry for you.
Your health insurance enquiry has been sent.
Your enquiry has been sent to qualified and verified insurance agents, who will review your requirements and contact you shortly.
Enquiry received successfully
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Just Landed in Thailand is an independent information and referral platform. We are not an insurance broker, insurance company or licensed insurance agent, and we do not provide insurance quotations, recommendations or insurance advice. Insurance enquiries submitted through this service are securely passed to qualified and verified insurance agents who will assess your requirements and contact you directly. Any insurance quotations, recommendations, policy information or advice are provided solely by those agents, and any decision to purchase insurance is made between you and the insurance provider or intermediary.