Family health insurance in Thailand

For expats living in Thailand, making sure your family is protected in the event of a serious accident or illness is a major concern. There are several issues surrounding family health insurance in Thailand, which the following article examines.

Stand alone child policies
For people new to Thailand and starting out with a new policy, it’s very simple to add your children as dependents as part of a family plan. Problems start for many expats when they are covered under their work group policy, and that same policy does not cover their dependants, or it covers their spouse and not their children. Why is this a problem you may ask? The reason being that most insurers will not cover children on a stand alone policy. Instead, they require children to be included as dependants on an adults policy. If you are in this position, please be sure to get in touch with us. Several of our trusted partners offer clients the option to set up stand alone child policies.

Family discounts
Insuring your family in Thailand can turn out to be quite a costly undertaking. Here at Seek2Insure we understand the financial implications of getting quality cover, and are here to help our clients save money in any way possible. Thankfully many insurers in Thailand offer discounts for families, and some even offer ‘buy one, get one’ on child cover.

For families who plan on having more children whilst in Thailand, making sure you are properly covered for maternity should be a major concern. Whilst the cost of a standard birth is not excessive, costs for complications can run into the millions of baht. If you are planning on having more children it’s crucial that you plan ahead as most maternity insurance products have waiting periods in play. This means that if you leave the insurance until you are actually pregnant, then you will have left it too late and will not be covered for the duration of your pregnancy.

Continued Terms
If you are moving to Thailand and have been previously covered by insurers in your past host country, you may wish to continue with the same benefits, whilst electing to use a local provider. Some insurers offer continued terms arrangements which can make the transition to a new country that bit easier. If you want to find out more be sure to get in touch, as each case is dealt with on a case to case basis.

Well Child Benefits
The cost of vaccinations and checkups for children can mount up over the first couple of years. Most insurers do not cover these so called ‘wellness checks’ but there are those who will. If you want cover for all eventualities let us know, and we will tailor a plan for you.