April MyHealth International is a worldwide expat health plan that pays cancer care, transplants and evacuation in full. The catch in Thailand: you must be 60 or under to join.
April International is a French expat insurer, and MyHealth International is its main worldwide plan. You pick one of four plans, from the budget Explore up to the top-end Elite, then add extras like doctor visits, dental or maternity if you want them. You pay in euros or US dollars, and the cover follows you wherever you live or travel.
On paper it’s strong. Even the cheapest plan pays cancer treatment, organ transplants, dialysis and medical evacuation in full, which are the bills that can wipe out your savings. But there are two more catches for people in Thailand. On the two cheaper plans, a planned stay at Bumrungrad, Bangkok Hospital and six other top private hospitals is only 60% paid. And if you go into hospital without asking April first, it pays only half.
In this review I go through each plan in plain terms: what it pays, which Thai hospitals it pays in full, what’s excluded and roughly what it costs. Every figure comes from April’s own benefits table, policy conditions and hospital list, and I’ve added what April customers report on Reddit about claims and price rises.
I also cover April’s other plan for Thailand, MyHEALTH Thailand. It’s priced in baht and takes new members up to 65, so it’s worth a look if you’re over 60 or would rather pay in local currency.
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Contents
- Key Takeaways
- April International at a Glance
- What Is April International?
- Why Expats Choose April International
- Plans and Coverage
- Which Hospitals in Thailand Are Paid in Full
- Optional Extras
- What You Pay Yourself
- Where You're Covered
- Ask April Before a Hospital Stay
- Pre-Existing Conditions
- What's Not Covered
- Age Limits and Renewal
- Retirement Visa Insurance
- Making a Claim
- How Much Does It Cost?
- April MyHEALTH Thailand: the Local Option
- Disadvantages
- Should I Get It?
- Alternatives
- FAQ
- Disclaimer
- Sources Cited
Key Takeaways
- There are four plans: Explore, Essential, Extensive and Elite. The cheapest covers €/US$500,000 a year; the top two are unlimited in most countries.
- Cancer, organ transplants, kidney dialysis and medical evacuation are paid in full on every plan.
- If you live in Thailand, you can only join between ages 16 and 60.
- On the two cheaper plans, a planned stay at Bumrungrad, Bangkok Hospital, BNH, MedPark or Vejthani is only 60% paid. Samitivej and Phyathai are paid in full.
- Ask April before any hospital stay, or it pays only half.
- Doctor visits, dental and maternity are extras you add on.
- It can’t be used for the O-A or O-X retirement visa insurance certificate.
- Over 60? April’s baht plan, MyHEALTH Thailand, takes new members up to 65.
April International at a Glance
April MyHealth International suits expats aged 60 or under who want worldwide cover and don’t mind paying in euros or US dollars.
MyHealth International
International health insurance from April International
- Plans
- Explore, Essential, Extensive, Elite
- Yearly limit
- €/US$500,000 up to unlimited
- Cancer, transplants, evacuation
- Paid in full on every plan
- Where
- Worldwide, with or without the US
- Age to join in Thailand
- 16 to 60, renews every year
- Deductible
- Optional, €/US$500 to €/US$5,000 a year (top two plans only)
- Bumrungrad and Bangkok Hospital
- Only 60% paid on the two cheaper plans
- Paid in
- Euros or US dollars
Not sure it’s the right plan? Compare it with other plans
Verified October 2026.
What Is April International?
April International is the expat health insurance arm of the French APRIL Group, with more than 150,000 members in over 180 countries. The medical cover behind its plans is insured by two large European insurers, Groupama and Chubb.
April sells two different plans to people in Thailand, and they’re easy to mix up:
- MyHealth International: a worldwide plan priced in euros or US dollars. Most of this review is about this one.
- MyHEALTH Thailand: a local plan priced in baht and insured by Sompo Thailand. It has its own short section further down.
When you read a quote or a forum post about April, check which one it means.
Why Expats Choose April International
Expats choose April International because even the cheapest plan pays the most expensive treatments in full:
- Serious illness: cancer (including chemo as an outpatient), organ transplants, kidney dialysis and HIV treatment are paid 100% on all four plans.
- Evacuation: if you need to be flown to a better hospital or back home, every plan pays.
- Pay only for what you use: doctor visits, dental and maternity are separate extras.
- Handy app: free video calls with a doctor, claims by phone photo, and a prepaid card for big bills so you don’t pay upfront.
The downsides are the age limit, the lower payout at some big Bangkok hospitals and the strict approval rule. More on each below.
Plans and Coverage
April MyHealth International has four plans, and the main difference is how much each pays per person per year:
- Explore: €/US$500,000.
- Essential: €/US$1,500,000.
- Extensive: unlimited, or €/US$2,000,000 in China, Hong Kong, Japan, Singapore and the US.
- Elite: unlimited, or €/US$4,000,000 in those five countries.
Every plan pays the hospital bill itself in full: the room, ICU, surgery, doctors and medicines. The plans differ in room type and in how much they pay for things around the stay, like scans and follow-up care:
Swipe sideways to see every plan →
| Benefit | Explore | Essential | Extensive | Elite |
| Yearly limit | €/US$500,000 | €/US$1,500,000 | Unlimited (€/US$2,000,000 in 5 countries) | Unlimited (€/US$4,000,000 in 5 countries) |
| Hospital room | Shared | Private | Private | Private |
| Hospital stay, ICU, surgery | 100% | 100% | 100% | 100% |
| Cancer treatment | 100% | 100% | 100% | 100% |
| Organ transplant and dialysis | 100% | 100% | 100% | 100% |
| MRI, CT and PET scans in hospital | Up to €/US$10,000 | Up to €/US$15,000 | Up to €/US$20,000 | 100% |
| Tests in the 30 days before a stay | Up to €/US$3,000 | Up to €/US$5,000 | 100% | 100% |
| Follow-up care up to 90 days after | Up to €/US$5,000 | Up to €/US$7,000 | 100% | 100% |
| Rehab after a stay | 20 days | 20 days | 30 days | 60 days |
| Mental health hospital stay | No | No | Up to €/US$8,000, 15 days | 30 days |
| Pregnancy complications | No | 100% | 100% | 100% |
| Emergencies abroad outside your zone (trips up to 60 days) | Up to €/US$75,000 | Up to €/US$150,000 | Up to €/US$300,000 | 100% |
| Medical evacuation | 100% | 100% | 100% | 100% |
For most people in Thailand, Essential is the one to start with: a private room, €/US$1.5 million of cover and pregnancy complications included. Explore’s shared room and low cap on follow-up care make it a budget-only choice.
Which Hospitals in Thailand Are Paid in Full
April MyHealth International pays only 60% of a planned stay at eight top private hospitals in Thailand if you’re on Explore or Essential. Extensive and Elite pay 100% everywhere, and emergencies are paid in full on every plan.
Here’s the list, from April’s hospital list of March 2026:
| City | Explore and Essential pay 60% | Every plan pays 100% |
| Bangkok | Bangkok Hospital, BNH, Bumrungrad, MedPark, Vejthani | Phyathai, Ramathibodi, Samitivej |
| Pattaya | Bangkok Hospital Pattaya | Pattaya International Hospital |
| Chiang Mai | Bangkok Hospital Chiang Mai | Maharaj Nakorn Chiang Mai |
| Phuket | None | Mission Hospital Phuket, Vachira Phuket |
| Samui | Wattanapat Samui | None listed |
| Anywhere else | None | Every other hospital |
In short: if Bumrungrad or Bangkok Hospital is your hospital, get Extensive. If Samitivej or Phyathai is fine, Essential is enough. April can change the list, so check it again before a planned operation.
Optional Extras
April MyHealth International covers hospital stays only, unless you add extras for doctor visits, dental and eyes, or maternity. Each extra comes at the same level as your main plan, and maternity needs the doctor-visits extra too.
Doctor Visits (Outpatient)
The outpatient extra pays for care where you don’t stay overnight: doctor visits, medicines, lab tests and scans. Explore caps it at €/US$3,000 a year; the other plans set a limit for each type of cost instead:
Swipe sideways to see every plan →
| Doctor-visit benefit | Explore | Essential | Extensive | Elite |
| Total per year | €/US$3,000 | No total cap | No total cap | No total cap |
| Doctor and specialist visits | Within the €/US$3,000 | Up to €/US$2,500 | Up to €/US$8,000 | 100% |
| Medicines | Within the €/US$3,000 | Up to €/US$2,000 (double for long-term illness) | Up to €/US$6,000 (double for long-term illness) | 100% |
| Lab tests and scans | Within the €/US$3,000 | Up to €/US$5,000 | 100% | 100% |
| Therapy sessions | Up to 3 phone calls (with the assistance extra) | Up to €/US$500, 7 sessions | Up to €/US$1,200, 10 sessions | Up to €/US$4,000, 20 sessions |
| Health check-up | No | Up to €/US$200 | Up to €/US$800 | Up to €/US$2,000 |
| Vaccines and cancer screening | 100% | 100% | 100% | 100% |
| Video calls with a doctor | Unlimited | Unlimited | Unlimited | Unlimited |
Doctor visits in Thailand are cheap, so many expats skip this extra and pay as they go. It’s worth it if you have a long-term condition April has accepted, or kids who are often at the doctor.
Dental and Eyes
The dental extra pays up to €/US$800 a year on Explore, €/US$1,000 on Essential, €/US$2,000 on Extensive and €/US$4,000 on Elite, with the top two going up after year two. Glasses and lenses come with it on every plan except Explore.
You wait 3 months before routine dental is covered, and 6 months for bigger dental work and glasses.
Maternity
The maternity extra pays €/US$4,000 per pregnancy on Essential, €/US$8,000 on Extensive and €/US$12,000 on Elite, and more if there are complications. You wait 12 months before it starts, so add it well ahead. Explore doesn’t offer it.
Travel Assistance
The travel assistance extra adds things like a relative’s flights if you’re in hospital over six days, flight delays, lost bags and up to €/US$7,500,000 if you injure someone or damage their property. Worth it if you travel a lot; skip it if you mostly stay put.
What You Pay Yourself
April MyHealth International has no deductible unless you choose one: an amount you pay yourself each year before April starts paying. On Extensive and Elite, picking €/US$500, €/US$1,000, €/US$2,500 or €/US$5,000 a year makes the plan cheaper.
On the doctor-visits extra only, you can also choose to pay 10%, 20% or 30% of each bill yourself for a lower price. That never applies to hospital, maternity or dental bills.
Where You’re Covered
April MyHealth International covers you either worldwide, or worldwide except the US. Leaving out the US is cheaper.
Without the US, you’re still covered there for accidents and emergencies on trips of up to 60 days. If you’ll be outside your zone longer than that, tell April first.
Ask April Before a Hospital Stay
April MyHealth International pays only half if you don’t get its approval before a hospital stay, or before any treatment over €/US$2,000. Ask at least 5 days ahead. Emergencies don’t need approval.
Getting approval also means April pays the hospital directly, so you don’t have to. Send the request in the April app as soon as your doctor suggests a stay.
Pre-Existing Conditions
April MyHealth International doesn’t cover health problems you had before joining, unless you declared them on the health form and April accepted them. That includes anything a doctor diagnosed, treated or tested, or that you could reasonably have known about.
Declare everything, even small things. April may exclude a condition or charge more, but hiding one can get a claim refused or the policy cancelled.
Community Input: In an r/Thailand thread in March 2026, an April policyholder said their kidney stones were excluded, with a review after five years. A broker in the same thread suggested comparing quotes that show the exclusions upfront before choosing.
If you have something like high blood pressure or diabetes, our guide to health insurance with a pre-existing condition in Thailand shows which insurers are most flexible.
What’s Not Covered
April MyHealth International doesn’t pay for health problems it didn’t accept when you joined, treatment a doctor didn’t say you need, or bills it thinks are too high for the country. Other exclusions to know about in Thailand:
- Risky sports: injuries from sports April calls dangerous, or any sport you do professionally.
- Alcohol: anything caused by being drunk.
- Waiting periods: 3 months for routine dental, 6 months for bigger dental work and glasses, 12 months for maternity, and 24 months for fertility treatment.
- Planned treatment abroad: outside your zone, only emergencies on trips of up to 60 days are covered.
Community Input: In r/digitalnomad in September 2026, an April customer said April first refused to pay for ankle surgery at MedPark after an indoor climbing injury, calling it an extreme sport. After repeated complaints April paid for the surgery, though follow-up care was still in dispute. If you climb, dive or ride a motorbike, ask April in writing whether it’s covered.
Age Limits and Renewal
If you live in Thailand, you can only join April MyHealth International between ages 16 and 60. In most other countries the limit is 74, and young children can join on a parent’s policy.
Once you’re in, the policy renews every year. April raises the price at renewal as you age and as medical costs rise, and it can change the terms too.
Community Input: In an r/digitalnomad thread in August 2026, an expat who runs an insurance comparison site said April’s prices can jump as much as 30% in a year. Another member replied that every insurer gets a lot pricier as you age.
Retirement Visa Insurance
April MyHealth International can’t be used for the O-A or O-X retirement visa insurance certificate, because April isn’t on the official list of insurers that can issue one. Neither is Sompo, the insurer behind MyHEALTH Thailand (checked October 2026).
If you need that certificate, a Thai insurer on the list is the easy route. Our AXA EasyCare Visa review covers one, and our guide to Thailand’s health insurance rules for retirees explains the requirements.
Applying for an O-A at a Thai embassy abroad is different: there’s a foreign insurance form your insurer can fill in. If you want to use April for that, ask April whether it will sign the form before you buy.
Making a Claim
April MyHealth International claims go through the April app: photograph the bill and the doctor’s report, send them, and track the payment. For a planned hospital stay, April pays the hospital directly once it has approved the treatment.
For a big outpatient bill, such as an MRI, April can load the approved amount onto a virtual card, so you don’t pay first and wait for a refund.
Community Input: In an r/digitalnomad thread in August 2026, a member who has been with April for two years said five or six refunds in a year all came back fast. Another said claims usually take about a week.
How Much Does It Cost?
April doesn’t publish MyHealth International prices, and its quote tool asks for your contact details first. These are the best published examples we found, so treat them as rough guides:
| Source | Profile | Price |
| Broker price list, January 2026 | Age 30, with doctor visits, no deductible | About €180 to €334 a month |
| April’s own guide, January 2026 | Age 28, MyHEALTH Thailand, Europe and Southeast Asia (excluding Singapore) | THB32,257 a year |
| April’s own guide, January 2026 | Age 32, MyHEALTH Thailand, worldwide except the US | THB41,751 a year |
| April policyholder on Reddit, March 2026 | Age 59, about THB17 million hospital cover, THB30,000 deductible | About THB57,000 a year |
Your price depends on your age, where you live, your zone, plan and extras. A deductible or paying part of each doctor bill brings it down.
For your exact price, get a quote from April.
April MyHEALTH Thailand: the Local Option
April MyHEALTH Thailand is April’s baht-priced plan for people living in Thailand, insured by Sompo Thailand. It’s the better pick if you’re over 60: you can join up to 65 and keep renewing with no upper age.
It works the same way, with a hospital plan plus optional extras. The main points:
- Yearly limit: THB10 million (Essential), THB32.75 million (Extensive) or THB65.5 million (Elite).
- Deductible: optional, from THB16,375 up to THB327,500 a year.
- Where: worldwide except the US, or Europe and Southeast Asia (excluding Singapore), plus 30 days of emergency cover elsewhere.
- Age: join up to 65; from 60 you need a medical check-up report from the last 6 months.
- Evacuation: included on every plan, up to THB32.75 million.
You can get a quote on April’s MyHEALTH Thailand page.
Disadvantages
April MyHealth International’s weak points for people in Thailand:
- You can’t join after 60.
- The two cheaper plans pay only 60% for planned stays at Bumrungrad, Bangkok Hospital and six other top hospitals.
- Skip approval before a hospital stay and April pays only half.
- It can’t be used for a retirement visa insurance certificate.
- You pay in euros or US dollars, so the baht cost moves with the exchange rate, and renewal increases can be steep.
Should I Get It?
April MyHealth International is a good choice if you’re 60 or under and want worldwide cover that pays cancer, transplants and evacuation in full. It works well for families too: kids can join on a parent’s policy, and maternity is available from Essential up.
Pick Essential if Samitivej, Phyathai or a hospital outside the list suits you, and Extensive if you want Bumrungrad or Bangkok Hospital paid in full. If you’re over 60, need a visa certificate or want to pay in baht, look at MyHEALTH Thailand or a Thai insurer.
Alternatives
Other plans our readers like fill the gaps April leaves:
- Cigna Healthcare: international cover with no upper age limit to join, paid in full at any hospital. See our Cigna Healthcare Thailand review.
- AXA EasyCare Visa: a cheap Thai plan that comes with the O-A and O-X visa certificate, open to people up to 80. See our AXA EasyCare Visa review.
- ACS Expat: cheaper worldwide hospital cover that you can join up to 64 and keep for life, though the cheaper plans cap the nightly room rate. See our ACS Expat review.
- Luma Health: a Thai health plan built for expats and priced in baht. See our Luma Health review.
To compare them side by side, use our expat health insurance comparison and plan finder.
FAQ
April MyHealth International is bought online, paid in euros or US dollars, and runs for a year at a time.
Can I keep April MyHealth International if I move country?
Yes. Tell April you’ve moved and it will reprice the policy for your new country. You may need to change your zone.
Does April MyHealth International cover treatment in my home country?
Yes. Both zones cover your home country, unless that’s the US and you chose the zone without it.
How do I cancel April MyHealth International?
You can cancel within 14 days of buying. After that, cancel at renewal with 60 days’ notice, or at any time once the policy is a year old.
Can I add a newborn to my policy?
Yes. If you’ve had maternity cover for at least 12 months and add the baby within 30 days of birth, there are no health questions. Otherwise April asks for a health form.
Disclaimer
*While we try our best to provide you with up-to-date and accurate information, the volatile nature of the health insurance business means some of the information above may be subject to change. Please use it only as a guideline, and if you have any doubts, it’s best to check directly with April International or an insurance broker.
We are not an insurance broker and can’t offer individualized advice. We can only connect you with people who we would consult in your situation, and who we found to be professional, knowledgeable, and ethical in their dealings with clients.
These providers sometimes provide us with financial incentive to refer new clients to them. This happens at no cost to you and helps us cover some of the expenses of running this website.
Please be aware that while we do our best to select the most suitable providers, we’re unable to provide any guarantees or accept any liability resulting from your interactions and transactions with our partners.
Sources Cited
- April International, MyHealth International benefits table: plan limits, room type, cancer, transplant, evacuation, outpatient, dental, optical and maternity benefits.
- April International, MyHealth International general conditions: age limits, deductibles, co-payments, zones, waiting periods, pre-approval penalty, renewal and cancellation.
- April International, MyHealth International product information document: insurers (Groupama Gan Vie, Chubb European Group SE), exclusions and payment options.
- April International, MyHealth International providers list (March 2026): hospital access by plan in Thailand.
- April International, MyHEALTH Thailand: local plan modules, limits, deductibles and areas of cover (registered with the OIC as SOMPO Enjoy Prime).
- April International, budget-friendly health insurance for expats in Thailand: MyHEALTH Thailand premium examples.
- Thai General Insurance Association, O-A and O-X participating companies: insurers listed for long-stay visa certificates.
- Waysafe, April International MyHealth review: broker price examples (January 2026).
