Looking for peace of mind as an expat in Thailand? Follow these top tips for health insurance

Being a foreigner overseas is something that can provide huge excitement, especially if the move is permanent. There are good reasons for wanting to move from a homeland, which might include dissatisfaction with how a country is being governed or that everything is so expensive and better value, and a standard of living can be enjoyed elsewhere. 

Those of a certain age might feel that their finances won’t last in the place that they have lived their lives and want to ensure that the rest of their days are spent in comfort with a more agreeable climate also offering health benefits. While this may be true, nobody can account for illness or accidents that need treatment, which is why it is prudent to take out designated Thailand Health Insurance for Foreigners. 

Here are a few tips when trying to choose an appropriate policy.

• While Thailand has some amazing hospitals and healthcare treatment, which attracts some to arrive on holiday to have work carried out, it does cost money, unlike some countries. Being left without cover can cause a financial black hole if one wants to be treated in a private hospital of the highest standards rather than a government facility, which, while decent, can be overcrowded and have extended waiting times. Ensuring that the policy covers treatment is vital.
• Thailand with its amazing climate and vast opportunities to have fun, can sometimes lead to a person overindulging and not being as careful as they might be. For instance, riding a scooter or motorbike creates dangers that are not necessarily caused by the rider, as the actions of other motorists can cause chaos. Being in an accident without cover can cause increased pain, which needs immediate action, solved when choosing the right policy.
• Ascertaining the levels of health of the person who is applying is important, as some may require things covering that others can do without. Checking out restrictions is wise as not all policies cover what might be expected, which can lead to serious issues later down the line. It might be anything from basic right through to premium care that is required, meaning getting the right advice is sensible.
• Although it is important to have coverage for everything likely to be required, it is also sensible not to commit to a policy that will overstretch the budget, meaning that the insurance is not necessary as some of the activities covered by it will have to be curtailed. The best insurance agents have a wide range of plans to suit every pocket, including those on long-term visas.
• Anyone unsure which policy and company to choose is advised to check out online reviews through reputable sources, which allow those with policies to offer their honest thoughts. Age is something to consider too, as the older a person gets, the more likely they are to require medical assistance.

Any foreigners spending extended time in Thailand are strongly advised to take out a health insurance policy while considering their health, age, and what activities they indulge in.