Insurance Solutions by Pacific Cross Thailand

Discover tailored protection that travels with you. Pacific Cross Thailand delivers trusted Health, Travel, and Personal Accident insurance designed for your lifestyle—whether you're at home, on a journey, or navigating life’s unexpected moments. Explore the coverage that fits your needs and gives you peace of mind.

1. Health Insurance You Can Rely On

1.1 Comprehensive Coverage That Counts

Navigate healthcare confidently with a range of health insurance plans that offer cashless inpatient coverage, lifetime renewability, and no age limit. From essential hospitalization to full outpatient and maternity benefits, our plans support Thai residents and expatriates.

1.2 Major Medical

Ideal for those wanting core inpatient protection, this plan provides coverage up to USD 1,000,000 per year, with cashless access to 450+ hospitals in Thailand and international medical evacuation.

1.3 Premier

Step up to higher benefits with coverage up to USD 500,000, including hospital room & board, emergency evacuation, and optional outpatient benefits via Treatment Area Limit options.

1.4 Standard

A balanced plan offering up to USD 2 million in annual coverage. Includes outpatient services, maternity care, and a 20% co-payment option. Applicants with certain pre-existing conditions may be accepted.

1.5 Comprehensive

This top-tier plan offers up to USD 3 million per year, covering inpatient, outpatient, emergency, and personal accident treatment—ideal for those seeking maximum flexibility.

1.6 Premium Inpatient — Maxima & Maxima Plus

For those requiring superior protection, these plans offer THB 5–10 million annual limits and deluxe room benefits, along with worldwide emergency evacuation and direct billing.

1.7 Expat Care

Designed for expatriates with predetermined pre-existing conditions, these three-tier plans offer up to THB 50 million/year, with a lifetime cap of THB 75 million. Includes inpatient, outpatient, maternity, emergency dental, home nursing, and post-moratorium protection.

2. Travel Insurance That Adapts to Your Journey

2.1 Designed for Every Trip

From a weekend getaway to long-term travel, our travel insurance ensures you’re covered wherever you go.

2.2 Bon Voyage Single‑Trip

Protect your journey (5–180 days) with emergency medical coverage up to THB 7.5 million, personal accident up to THB 4 million, plus hospital allowance, baggage and document protection, liability cover, and adventure sports inclusion—with no deductible.

2.3 Outbound Annual Travel

Perfect for frequent travelers, this plan provides year-round protection with medical coverage between THB 1–7.5 million, personal accident cover, optional sports protection, and full visa compliance—without medical exams up to age 75.

2.4 Long-Stay Visa Plans (STV‑90 / STV‑180)

For extended visits or retirement in Thailand, these plans meet the USD 100,000 requirement for non-immigrant visas. They include COVID-19 and covered regional illnesses, accommodate substandard health profiles, and enforce structured waiting periods to ensure fair pricing and protection.

3. Personal Accident Protection for Everyday Risks

3.1 24/7 Accident Coverage

Life is full of the unexpected. Our Personal Accident plans cover you anywhere—at home, at work, or abroad.

3.2 Smart, Exclusive, and PA Platinum Plans

Choose from three levels of coverage. PA Platinum includes:

• Up to THB 2 million per accident
• Double benefit for holiday-time incidents
• Hospital income support, surgical and funeral expense coverage
• 24/7 worldwide coverage including motorcycle accidents and emergency dental care
• Cashless treatment in 350+ Thailand hospitals

4. Key Features Across All Plans

FeatureBenefitExtensive hospital network350–450 hospitals across Thailand and ASEANCashless treatmentNo upfront payments at partner hospitals24/7 emergency assistanceMultilingual support worldwideAnnual & single-trip renewalPlans can be renewed continuously, even for long-term travelersCOVID-19 coverageIncluded in health, travel, and visa policiesPre-existing condition inclusionExpat Care plans offer protection after moratoriumNo age restrictionIssueable up to age 75, with lifetime renewalSports inclusionsAdventure sports included in most plans without extra costFlexible pricingOptions for deductibles, co-insurance tiers, and veteran-friendly underwriting

5. Simple, Transparent Application Process

1. Choose your plan — Health, Travel, or Personal Accident
2. Request your quote — Fill out basic information on our website
3. Underwriting review — Medical info required only for select health plans
4. Policy issued digitally — Receive coverage documents within days
5. Activating your benefits — Use digital policy and emergency helpline immediately

Visit https://www.pacificcross.com/ for more information.

6. Frequently Asked Questions

Q: What if I have pre-existing medical conditions?
A: Expat Care plans allow coverage after a waiting period. Declaration is essential for eligibility.

Q: Is there a medical exam requirement?
A: Most plans, including annual travel and visa insurance, do not require exams for those under age 75. Older applicants may need a health declaration or qualifying check.

Q: Are adventure sports covered?
A: Yes—all travel plans include non-professional sports like scuba diving, rafting, cycling, and trekking. No extra riders needed.

Q: How do I submit a travel claim?
A: In emergencies, call our 24/7 hotline. For non-medical claims (delay, loss), upload receipts and documents online for prompt review.

Q: What happens if I test positive for COVID-19 while traveling or seek treatment at home?
A: All current health and travel plans include COVID-related medical and quarantine expenses, subject to plan terms and waiting periods.

Q: Can I extend coverage mid-trip?
A: Single-trip insurance generally must be purchased before departure. For longer stays, consider an outbound annual or visa plan.

7. Why Choose Pacific Cross Thailand?

Combining local presence since 1975 with global standards, Pacific Cross offers:

• Strong support for expatriates, travelers, and senior residents
• Generous limits, wide network, and flexible plan design
• Transparent policies with no hidden exclusions
• Proven emergency assistance and a seamless cashless experience
• Trust backed by senior endorsements and customer satisfaction

From hospital visits to international travel and daily risks, Pacific Cross stands by you—helping you live confidently, wherever you go.

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