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Thailand - Health Service
Expatriate health insurance
The state health insurance does not cover expatriates. Buying private health insurance is ideal for those who do not want to pay for their own medical treatment. Employees of some large companies are offered life insurance. International Thai schools offer basic health insurance though it does not include maternity costs, prenatal visits, and childbirth.
The emergency number in Thailand is 191. Emergency transport is largely underdeveloped but large Thai hospitals have ambulances. It is not common to see ambulances on the streets of Thailand.
Thailand has many non-profit organizations including Red Cross and World Vision that help disadvantaged citizens. Some of these organizations provide emergency ambulance services.
Pharmacies and medications are available throughout the country and some do not even require a prescription. Common drugs, antibiotics, antidepressant medication, and Viagra can easily be obtained. However, some pharmacists use aggressive sales techniques to sell medications and they rarely offer advice. Consider consulting a hospital pharmacy for the right medication for your ailment.
Thai citizens access public healthcare free of charge. The medical staff in many public hospitals are usually very well trained. However, public healthcare facilities are not as well equipped as private hospitals. Expats visiting public hospitals pay for their own treatment. Public hospitals are poorly equipped and overcrowded.
Expats are required to have acceptable insurance or enough money before being admitted into public or private hospitals. They accept foreign health insurance depending on the insurance company and its bill paying history.
Private health insurance in Thailand
This is the preferred option for many expats. Thailand has over 470 quality medical facilities. A range of health insurance packages are offered by both Thai and other international companies. The costs of health insurance in Thailand are relatively lower than those of other countries.
International health insurance in Thailand
Many international health insurance companies do not have branches in Thailand. However, the international health insurance companies with branches in Thailand cover expats at reduced premiums. It is advisable to purchase additional health insurance when traveling to Thailand. International insurance is ideal for people who travel often because it is valid in many countries.
Paying close attention to exclusion lists and preexisting health problems that are not accepted is good practice. Thailand has an average premium price rate that varies according to age group. This price may either be decreased or attract rewards if you do not make a claim.
Understanding the difference between inpatient and outpatient coverage is important because outpatient treatment is less expensive. There are different levels of outpatient coverage. The most preferred is the one that includes additional coverage including major illnesses, accidents, or disabilities.
It is important to provide honest information when applying for health insurance to avoid being denied claims later on. Having a full physical exam before applying for health insurance is recommended.
National health insurance companies
Foreigners can be covered by national health insurance companies when in the country.
Diseases in Thailand
HIV is prevalent in Thailand, especially among commercial sex workers. Other diseases that are prevalent in Thailand include malaria, typhoid, Dengue fever, and leptospirosis.
Hygiene, vaccination, and precautions
Thailand is prone to all sorts of tropical diseases. Many expats find it difficult to adjust to the heat. However, most expats often become accustomed to the weather with time.
Thai foods are popular throughout the world. Many expats in Thailand prefer to eat local delicacies instead of foreign dishes. However, it is important to go for Hepatitis A vaccination to improve your chances of staying healthy. Many people in Thailand use spices to add taste to food and preserve it. However, the spices may cause stomach upsets for expats who are not used to spicy foods. In addition, avoid eating shellfish.
Avoid using ice cubes and drinking tap water. Although tap water in Thailand is generally considered clean, leaks in plumbing systems do happen. Drinking tap water may result in stomach upsets and diarrhea. However, many expats become used to drinking tap water with time.
Eating in Thai restaurants
Be sure to eat food in restaurants that use clean glasses and utensils. Poorly cleaned utensils in restaurants may cause food poisoning.
Always wear sunscreen, a hat and a t-shirt, especially around midday when the sun is overhead and harshest on the skin. This is very important because excess UV rays from the sun can harm the skin and expose your body to other diseases. Be sure to drink adequate amounts of water each day to prevent dehydration.
Mosquito related illnesses
Mosquito-borne diseases such as malaria and dengue fever are quite prevalent in Thailand. It is advisable to go for a malaria vaccine before traveling to Thailand. Additional measures on how to avoid mosquito bites include:
• Apply anti-mosquito sprays and lotions.
• Always cover your body with clothes including socks.
• Wear white clothes and nightwear to avoid attracting them with dark colors.
• Avoid applying perfumes and colognes.
• Request mosquito repellent when in a restaurant.
• Always carry your mosquito net with you when travelling.
NCS New Counseling Services
Tel: 02 279 8503
This organisation provides a good selection of different counselors from different nations. It also offers western style counseling to Thai citizens.
Psychological Services International
This organization offers services from highly qualified and experienced clinicians. There are also talented Thai counselors working under supervision. This counseling service is ideal for companies and organizations that require psychological support services.
The Centre for Creative Growth and Professional Training
Tel: 02-258 7562 (press 0-Office, press 1-Khun Piyachat)
This organisation has an experienced and bilingual Thai clinician who also sees expatriates. She also deals with marriage and family therapy, mental health counseling, and art therapy.
Read more about this country
Expat Health Insurance Partners
Our award-winning expatriate business provides health benefits to more than 650,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world. We want to be the global leader in delivering world-class health solutions, making quality health care more accessible and empowering people to live healthier lives.
AXA - Global Healthcare
As the global healthcare specialists for AXA, the world’s number one insurance brand, we can help you get fast access to expert medical care, whenever and wherever you need it. All our plans include evacuation and repatriation, a second medical opinion service and extra support from a dedicated case manager if you’re diagnosed with cancer. You’ll also have 24/7 support from our caring multilingual team - we’ll always remember you’re a person, not a case number.
At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.