Life Insurance

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Health Insurance Options in Thailand

Low to medium coverage - Worldwide – Enrollment from 6 mo. to age 59 - Renewable to age 65 AXA Smart Care Executive AXA Smart Care Executive Plus

Worldwide (U.S. limited) – Age 15 days to age 65 - Guaranteed renewable for life (55 + to age 70)

BUPA Personal Care Low to Medium BUPA Platinum High coverage

Thailand only. Enrollment from 15 days to age 65 - Guaranteed renewable for life (55 + to age 70) BUPA Crystal- New BUPA Platinum style coverage for low end buyers. Excludes treatment at Bumrungrad and the Bangkok Group of first class type hospitals throughout Thailand.

Low to medium coverage - Worldwide – Age 15 days to age 80 + - Renewable for life.

LMG Comprehensive Age 60 + requires physical exam at applicant’s expense. No credit cards.

High coverage - Worldwide (limited) – Age 15 days to age 80 + - Guaranteed renewable for life. LMG Mega Series Maternity is covered. Optional deductible. Semi-annually pay ok. No credit cards.

45 day initial waiting period - Worldwide – Age 1 yr. to age 55 - Renewable to age 65 MSIG Standard Low coverage MSIG Executive Medium coverage

High cover - 45 day initial waiting period - Worldwide – Age 1 yr. to age 55 - Renewable to age 65 MSIG Golden Premier Good value – Jurassic-minded management - May require Work Permit

Very high cover - No waiting period - Worldwide (limited U.S) – Age 15 days to age 75 - Renewable for life NZI-IAG InterGlobal International type coverage. Optional deductible. Pay monthly with credit card ok.

Very high cover - No waiting period - Worldwide (limited U.S) – Age 15 days to age 75 - Renewable for life Premier International Healthcare - Generali Intenational type coverage. Optional deductible. Pay quarterly ok.

Low to medium to high coverage - Worldwide – Age 15 days to age 59 - Renewable to age 70 THI Simply Healthy THI Wealthy Healthy

SUPPLEMENTAL MAJOR MEDICAL PLANS

These plans have a deductible (excess) that has to be paid before the coverage takes effect. They are designed to supplement the coverage provided by a small basic plan the insured already has in place, such as basic hospital coverage provided by an employer. The small basic plan pays the deductible. But, the coverage can be purchased as stand-alone coverage.

BUPA Extra Care THI Major Medical (Maxi Healthy)

THAI INTERNATIONAL STYLE HIGH COVER

These are the 3 highest coverage options that we offer. With high coverage, of course, comes high premiums. But, like many
“international” health insurance plans, they offer a selection deductible (excess) options for getting the premium cost down.

LMG Mega Series Maternity is covered. Renewal is guaranteed for life. Premium pay semi-annually is ok. No credit cards accepted.

NZI-IAG InterGlobal Offers very high coverage. Pays for routine check ups the 2^nd year. Many features. Renewable for life. Pay monthly with credit card ok.

Premier International Healthcare - Generali Very high coverage. Renewable for life. Many good features. Pay quarterly is ok.

INSURANCE OPTIONS FOR SENIORS (Age 65 +)

These plans are available to insurance buyers of any age, but they are the only options available in Thailand for insurance buyer age 65 and over.

LMG Comprehensive Low cost – low coverage. Renewable for life. Physical exam required.

LMG Mega Series High coverage. Guaranteed renewable for life. Requires physical.

NZI-IAG InterGlobal Very high coverage. Renewable for life. Pay monthly ok. No physical.

Premier International Healthcare - Generali Hi cover. Renew for life. Quarterly pay ok. No exam.

TRAVEL HEALTH INSURANCE

TEMPORARY HEALTH COVERAGE FOR VISITORS TO THAILAND

LMG SAFE TRAVEL Up to 180 days. BUPA TRAVEL Up to 90 days
BUPA SUNSHINE PLAN Six months (Platinum 1) health coverage for 6 month visitors to Thailand.

TEMPORARY HEALTH COVERAGE TRAVELING OUT OF THAILAND

LMG SAFE TRAVEL Up to 180 days. Plans include non-health travel coverage, also.
BUPA TRAVEL Up to 180 days. Health only. THI JOURNEY HEALTHY Up to 180 days.

HEALTH INSURANCE RIDER – Thai Life Insurance

THAI LIFE Health Insurance Rider This health insurance rider must be attached to a Thai Life insurance policy. A Work Permit is required to purchase life insurance in Thailand

GROUP & ASSOCIATION HEALTH COVERAGE

GROUP INSURANCE Group insurance Discounts for 5 or more employees, club members or friends.

INTERNATIONAL HEALTH COVERAGE

We offer international coverage mainly for buyers who don’t live in Thailand. It’s much more costly.

GLOBAL MEDICAL INSURANCE (GMI) Offers a bit of everything we’ve ever been asked for.

William Russell GLOBAL HEALTH Coverage that can be continued back in America.

P.I. SENIOR HEALTH CARE PLAN Coverage for people over 60.

Thai Government Insurance
We don't offer it, but we get a lot requests for information about it from expats. The SSO has a very information website about their program and it's in English. SOCIAL SECURITY INSURANCE