Local Insurance or International Insurance: Which One is Better for Expats in Thailand?

Thai health insurance is cheap, but it caps every line of the hospital bill and stops at the border. International plans cost more and follow you when you leave. Here’s how the two compare on coverage, price, claims and visa rules.

When it comes to buying health insurance in Thailand, you have two choices: local insurance provided by insurance companies in Thailand, and international insurance provided by companies all around the world.

But which one is better for expats?

In this article, we are going to break down the differences between local and international insurance to help you find the right insurance plan for you.

Premium guide

This guide is part of TSK Premium

Premium members get the full guide, plus every other in-depth guide and our planning tools.

  • 145 in-depth premium guides
  • Move Planner and Document Helper
  • Member deals every month
  • Up to 10% off a trusted visa agent
US$1.67/mobilled US$19.99 a year60-day money-back guarantee
Photo of author

Thailand Starter Kit creates free guides for anyone looking to work, live, retire, study, or start businesses in Thailand. Feel free to reach out with suggestions and article requests.

Questions About This Article?
Please post them in our Reddit community at /r/expatden.