Cheapest COVID Insurance for Thailand

As Thailand prepares to welcome tourists back, the country has introduced mandatory COVID-19 insurance for all foreign visitors. The insurance policy is meant to cover up to ฿3.8 million (approximately USD $100,000) in medical expenses in case of COVID-19 treatment. However, with the multitude of insurance options available, finding the cheapest COVID insurance for Thailand can be overwhelming. In this article, we will explore the options available and help you find the best and most affordable insurance for your trip to Thailand.

Why do you need COVID Insurance for Thailand?

With the COVID-19 pandemic, Thailand has set guidelines for all foreigners entering the country. One of the requirements is that all visitors must have a COVID-19 health insurance policy. This policy covers the medical expenses incurred in case of COVID-19 infection during the visitor’s stay in Thailand. The insurance will cover up to ฿3.8 million (approximately USD $100,000) in medical expenses, including transportation costs, accommodation expenses, etc.

What are the benefits of having COVID insurance in Thailand?

Having a COVID-19 insurance policy can give you peace of mind and minimize the financial burden in case of unexpected medical expenses. It also helps to ensure that the country’s healthcare system is not overloaded, particularly with foreign visitors requiring medical attention.

What are the mandatory requirements for COVID insurance in Thailand?

All foreign travellers entering Thailand must have health insurance related to COVID-19. The policy must provide coverage of at least ฿3.8 million (approximately USD $100,000) for medical expenses, transportation costs, and accommodation expenses related to COVID-19 treatment. The coverage must be valid throughout the entire duration of the traveller’s stay in Thailand.

What are the options for COVID Insurance in Thailand?

There are various options available for getting COVID-19 insurance coverage for your trip to Thailand. Here are some of the options:

1. Thai Government’s COVID-19 Insurance Policy

The Thai government has introduced a COVID-19 insurance policy for visitors to Thailand. The policy provides coverage of up to ฿3.8 million (approximately USD $100,000) for medical expenses and other related costs. The policy can be purchased online before you arrive in Thailand or upon your arrival at the airport.

What are the advantages of the Thai Government’s COVID-19 Insurance Policy?

The Thai Government’s COVID-19 Insurance Policy is affordable and meets all the mandatory requirements of COVID-19 insurance in Thailand. You can purchase the policy online, and it covers up to ฿3.8 million (approximately USD $100,000) in medical expenses.

What are the disadvantages of the Thai Government’s COVID-19 Insurance Policy?

The policy only covers COVID-19-related expenses, and it does not cover other medical emergencies. Therefore, you may need to purchase additional insurance policies to cover other medical emergencies that may arise during your trip to Thailand.

2. Private Insurance Companies

There are many private insurance companies in Thailand that offer COVID-19 health insurance policies. These policies vary in coverage, duration, and price. Some of the main companies include AXA, Allianz, Luma, and Tune Protect.

What are the advantages of Private Insurance Companies?

Private insurance companies offer a wide range of coverage options, including coverage for other medical emergencies. Also, private insurance policies may offer more extended coverage duration, as the government policy only covers up to 90 days. Additionally, policies of private insurance companies can provide more tailored coverage options for your trip.

What are the disadvantages of the Private Insurance Companies?

The cost of the insurance policies offered by private insurance companies can be high compared to the government policy. Also, some insurance companies might not cover you in case of a pre-existing medical condition.

Comparison of COVID Insurance Policies

The following table outlines the differences in coverage and prices among the available COVID-19 insurance options in Thailand:

FAQs

1. Can I travel to Thailand without COVID insurance?

No, all foreign travellers entering Thailand must have COVID-19 health insurance coverage.

2. Can I purchase COVID insurance upon arrival in Thailand?

Yes, you can purchase COVID insurance upon arrival at the airport. However, it is advisable to purchase the insurance policy before your trip to avoid last-minute inconveniences.

3. What are the common exclusions in COVID insurance policies?

The common exclusions in COVID insurance policies are pre-existing medical conditions, substance abuse, and injuries arising from participating in hazardous activities such as bungee jumping or skydiving.

4. What should I consider when choosing a COVID insurance policy?

You should consider the duration of your stay, coverage amount, cost, and whether the policy provides coverage for other medical emergencies.

5. Can I get a refund for my COVID insurance policy?

Refund policies vary among insurance providers. It’s advisable to read the policy terms and conditions before purchasing the policy to understand the refund policy.

6. Do I need to quarantine even if I have COVID insurance?

Yes, all travellers entering Thailand must quarantine for 14 days, regardless of whether they have COVID insurance or not.

Conclusion

It’s vital to have COVID-19 insurance coverage before travelling to Thailand. The Thai Government’s COVID-19 Insurance Policy is an affordable option that meets all the mandatory requirements. However, private insurance companies offer more comprehensive coverage options. When choosing a COVID insurance policy, consider the duration of your stay, coverage amount, cost, and whether the policy provides coverage for other medical emergencies. With this guide, we hope you can find the best and most affordable COVID-19 insurance policy for your trip to Thailand.