Top 5 insurance companies for expats in Thailand



As an expat living in Thailand, finding the best insurance company can be difficult. It is because the insurance industry in Thailand is big. Besides local and offshore insurance companies, banks also offer insurance.

Insurance is about trust. When purchasing insurance, you need to make sure that the insurance company will actually pay your claims. Therefore, they must have both a good reputation and financial stability. Along with their reputation, you also need to make sure that the policies they offer match your needs and budget. Therefore, to help you find the right fit, we have compiled a list of the 5 best insurance companies for expats in Thailand.

The 5 Best Insurance Companies for Expats in Thailand

Of course, there is no better insurance company in Thailand. However, these companies are reputable and offer a wide range of policy options.

1. Cigna Global

If you are looking for a more affordable international insurance company in Thailand, you may want to consider Cigna Global. Although they are comparatively cheaper, they offer very good insurance options and great customer service. They offer a modular plan design, which allows you to tailor the plan to your needs and budget by picking and choosing different modules.

Towards the end of last year, they introduced Cigna Global Health Thailand, specially designed for expats and Thai nationals residing in Thailand. In addition to health insurance, Cigna also offers travel insurance, critical illness insurance and personal accident insurance. Their insurance is available to a wide range of people, including the elderly, business executives, and can even cover the needs of an entire family.

Cigna Global

2. Dhipaya

Dhipaya is one of the largest insurance companies in Thailand which has been providing insurance in the country for 69 years. They have great health insurance plans that are expat oriented. Plus, premiums are affordable, with reasonable coverage. There are 4 health insurance plans in total, 2 of which have deductibles, making insurance cheaper.

Besides health insurance, Dhipaya also offers a wide range of other types of insurance. For example, if you have a car, you can consider their 6 different types of car insurance. They even provide pet insurance and insurance for cycling enthusiasts. In addition, they have also designed insurance specially designed for their Muslim clients.



3. AXA

AXA is one of the major players in the local insurance market. Since this is a large international company, it’s easy to see why people want to be covered by them. They offer a wide range of types of insurance, including health insurance, personal accident insurance, travel insurance, auto insurance, and property insurance. In addition, they also provide compulsory health insurance to enter Thailand during the Covid-19 pandemic. Plus, each type of insurance comes with many different plans to fit different budgets.

AXA’s health insurance plans are indeed more expensive than most insurance companies in Thailand. However, they offer more advantages. In addition, AXA does not have a waiting period for making medical claims compared to most other insurance companies in Thailand.

AXA - One of the best insurance companies for expats in Thailand


4. Luma Health

Among other insurance companies specializing in health insurance, Luma Health is one of the best. They offer a wide choice of health insurance including individual, family and company plans. Their comprehensive health insurance includes hospital care, maternity care, and even cancer care. On top of that, they also offer some great benefits, such as membership privileges and a second medical opinion from their in-house expatriate doctor. In addition, they also offer Covid-19 insurance to enter Thailand and travel insurance, both of which offer excellent medical coverage.

In addition to covering your medical bills, Luma Health also promotes prevention. They educate their members on how to take care of themselves and be healthy. They also provide an app that can help members adopt a healthier lifestyle.

Luma Health

Luma Health

5. Pacific Cross

For expats looking for affordable health insurance but with a wide range of options, Pacific Cross can be a great option. The best thing about Pacific Cross is that they have an expat service so clients who only speak English are well taken care of. They also provide worldwide assistance to their members.

Pacific Cross is also a great choice if you prefer cashless claims. They have around 300 networked hospitals in Thailand and a few in Southeast Asia.

Pacific Cross - One of the best insurance companies for expats in Thailand

Pacific cross

Make sure you compare all of these companies and consult each other’s reviews to choose the one that will best meet your needs.

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