Thailand has a buzzing economy and is the preferred destination for expats, who are looking for permanent relocation. Most of the expats arriving to the country are confused about the healthcare costs and insurance options in Thailand. All the employees who pay taxes in Thailand are covered by the public insurance. However, most of the expats prefer to opt for private hospitals for faster and quality care, hence opting for private insurance becomes necessary.
Here are some important points to consider while opting for a private health insurance in Thailand provider.
- Reputation of the insurance company
It is the most essential consideration while choosing an insurance provider. Expats should opt for a reputed health insurance in Thailand Company with a good track record. They should stay away from companies with dubious record even though they offer insurance at cheap premiums.
- Quality of customer service
The insurance company should be willing to patiently answer all your queries. Choose a reputed company with professional customer care service, which understands the customer needs. The company management should be approachable and willing to address any critical issues, if the need arises. Expats should choose an insurance provider with multi-lingual or English speaking staff. Customer care is the main point that differentiates the best companies from others.
- Handling of claims
It is important to choose a health insurance in Thailand Company with a good claim handling record. Health insurance claims should be handled in emergency. You have to choose a company with effortless claim handling system in place. Compare the claim handling records of different health insurance providers and choose the best one to ensure that your medical emergencies will be well taken care of.
- Inclusions and exclusions
All the health insurance policies have some inclusions and exclusions. It is important to go through the fine print of insurance policies and make a note of all the inclusions and exclusions from the policy. Some policies do not cover out-patient treatment costs, accident costs etc. it is always advisable to stay cautions while buying a health insurance cover.
- Home country coverage
Expats must particularly note this point while buying health insurance in Thailand, as most of the private insurance plans do not have international coverage. Expats might face unexpected scenarios where they may have to go out of Thailand for work or personal reasons, buying an insurance cover with international coverage helps in these scenarios.