Our guide to long-term health insurance in Thailand
Thailand is one of the most popular destinations in the world for long-term travelers, digital nomads, and retirees. The cost of living is low, the quality of life is high, and there’s no shortage of beautiful places to explore. But whether you’re planning to live in Thailand full-time or base yourself there while traveling around Southeast Asia, one thing you absolutely shouldn’t overlook is health insurance.
If you’re just visiting or traveling for less than a year, you just need shorter-term travel insurance. Here’s our complete guide to getting that.
Why Health Insurance in Thailand Isn’t Optional
Thailand’s healthcare system is generally excellent, especially in major cities. You’ll find modern facilities, internationally trained doctors, and short wait times at private hospitals. But good care isn’t free, and Thailand doesn’t provide subsidized healthcare for foreigners.
If you have an accident, need emergency surgery, or require hospitalization, the costs can be steep. And without insurance, you’re on the hook for all of it. Some long-stay visas even require proof of insurance, so it’s not just a smart idea—it may be mandatory.
Which Insurance Should You Choose?
There are two main paths depending on your lifestyle:
1. Traveling Around Asia or the world: SafetyWing Complete
A SafetyWing Complete policy is ideal if you’re moving between countries. It offers:
- Global coverage, including optional coverage in the US, Hong Kong, and Singapore at an additional charge
- Ability to begin coverage even after your travel has already begun
- No fixed address required
- Emergency care and hospital stays
- Evacuation coverage
- Travel-related benefits like lost luggage and delays
- Flexible subscription pricing
- Clear, upfront language about what is and is not covered, especially important for motorbike riding, and adventure sports
Best for digital nomads and travelers visiting multiple countries, especially those under age 65.
2. Living Full-Time in Thailand: LUMA or Aetna
If you’re settling in Thailand long-term, go with a local or regional provider. The main benefit here is the direct billing, which means you can get treated without having to pay upfront and seek reimbursement later. With Safety Wing Complete (mentioned above), this can be available when prearranged, but accidents and emergencies are by definition unexpected. The two providers we most recommend are:
LUMA Health
- Visa-compliant plans
- Direct billing at Thai hospitals
- Customizable coverage
- English-speaking customer service
Aetna Thailand (formerly BUPA, now Allianz)
- Well-known global brand
- Widely accepted by private hospitals
- Optional wellness and outpatient coverage
- Good support for long-stay visa holders
Quick Comparison
| Lifestyle | Best Insurance | Why |
|---|---|---|
| Traveling around Asia | SafetyWing Complete | Flexible, multi-country coverage |
| Living in Thailand | LUMA Health | Expat-focused, visa-ready, great local support |
| Living in Thailand | Aetna Thailand | Established brand, broad hospital access |
Final Thoughts
After 20+ years of living and traveling in Thailand, we can’t overstate the importance of good health insurance. Accidents and illness happen—and when they do, you want access to the best care without worrying about the bill.
Whether you’re traveling the region or settling in for the long haul, get covered and enjoy your time in Thailand with peace of mind.