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HEALTHCARE SYSTEM
Health Insurance in Thailand
Discover how the system works in Thailand
Over the last few years, Thailand has made significant efforts to make access to healthcare easier for the entire Thai population and to improve its medical infrastructures. As a result, the Thai private healthcare system provides high-quality services and the country is ranked as a primary place of choice for medical tourism in Asia.

Thai people contribute to public insurance depending on the type of job they hold (there are 4 different insurances: one for civil servants, one for employees, one for the most disadvantaged people and another one for those who do not meet any of the above criteria, such as self-employed people – in this case, the contribution is called “voluntary”). This insurance, which is “public”, does not cover major medical conditions, including hospitalization, which is why it is strongly recommended to top up this coverage with private insurance. Only expatriated employees with a local contract can benefit from public insurance. Please note that in this case, the insurance will only cover medical care received in public facilities, the quality of which can significantly vary depending on the place. As this insurance provides rather basic coverage, we advise you to take out private healthcare insurance in Thailand.

On the whole, the cost of healthcare in Thailand is affordable and the quality of medical care is improving: indeed a lot of doctors have received their training in Europe and the USA, which explains the excellent level of English in a large part of the Thai private medical network.

It is strongly recommended to keep your certificate of insurance with you at all times: Thailand has been receiving an increasing number of visitors coming to get medical care without being able to pay for it. Therefore, it has become frequent that medical facilities ask you to show your international insurance certificate upon admission and/or that they take an imprint of your credit card.
Visiting a doctor in Thailand
There are very few GPs in Thailand. Most of them are specialist doctors; therefore they are the ones who provide consultations, even for minor health problems. GPs can only be found in large hospitals in Thailand, they are called “family doctors”.

As an expatriate, it is recommended that you go to a hospital for a consultation with a doctor. If you don’t make an appointment, waiting times can go up to 30 minutes in a private hospital. Consultation fees with a doctor can cost up to USD 40.

In Thailand, doctors do not have a specific place where they go to work. They can practice in different hospitals during the same day. It can be a problem because as a result of the traffic in Bangkok, it is common that consultations with some doctors are provided over the phone.
Being admitted to hospital in Thailand
Hospitals are accessible to anyone and provide high-quality medical care. As mentioned earlier, certain hospitals will ask you to show your insurance card with a certain level of coverage before admitting you.

Public hospitals provide good quality services; however we advise you to use private hospitals as certain facilities (mostly in Bangkok) are as good as high-end hospitals in Europe or in the USA.
Buying medication in Thailand
Most drugs are reimbursed.
Get your health insurance for Thailand
MSH can help you design the best international health insurance plan to suit your needs.

Going for less than a year?
We have the right health insurance plan to cover you for 1 to 12 months, whether it's for a personal project, an apprenticeship, a working holiday or any other reason.

Going for a year or more?
Explore our comprehensive and highly flexible health insurance solutions to protect you and your family while you're abroad.
QUICK FACTS
OFFICIAL NAME
Kingdom of Thailand
MAIN CITIES
Bangkok, Nonthaburi, Nakhon Ratchasima, Chiang Mai
CAPITAL
Bangkok
GOVERNMENT
Unitary parliamentary constitutional monarchy
COMMON LANGUAGE
Thai, Karen languages, Khmer, Malay
CLIENT STORIES
Client story: MSH was a lifesaver

Matthieu was hiking in a canyon in Peru when he accidently fell down several meters and fractured his kneecap and elbow: "After 12 days in a local hospital, I was sent back to  France where I spent 2 more weeks in hospital and months in physiotherapy" he remembers. Matthieu's hospitalization, repatriation and rehabilitation expenses were all covered by MSH: "Without my private health insurance, it would have been a nightmare: €16,000 for the hospital and €50,000 for my repatriation with two air ambulances - can you imagine?"
Client story: No worries mate!

Tanguy subscribed to Start’Expat to cover his gap year in Australia. He was out roller-skating one day when he slipped and blacked out for a few minutes. A passerby directed him to the nearest hospital for a scan. Fortunately, there was nothing serious and he was delighted to learn that all the expenses from €400 would be paid by MSH in advance, saving him a total of €513 -that's a lot of money for a student!   
Client story: The right decision

Bill and his family are based in Brazil. Unhappy with his previous insurer, Bill switched to MSH in December 2015: "One of the best decisions I've made since I've been here", he says, "for the level of service and the breadth and quality of the network."  Bill's insurance card is now recognized by the biggest and best hospitals in Sao Paulo. He even gets third-party payment for simple hospital tests without needing prior agreement: "MSH makes life easy", says Bill. 
DISCOVER THEIR STORIES
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