Pacific Cross Thailand Insurance Plans – Health, Travel & Accident Coverage

1. Health Insurance Plans

1.1 Major Medical

Pacific Cross’s Major Medical plan offers comprehensive inpatient-only health insurance, providing coverage up to USD 1,000,000 per policy year. Benefits include access to 450+ private and public hospitals across Thailand, lifetime renewability regardless of age or pre-existing conditions, and optional annual deductibles and premium discount tiers. Cashless direct billing applies for all inpatient treatments, eliminating surprise out-of-pocket expenses.

1.2 Premier

The Premier plan delivers mid-level protection with annual coverage limits up to USD 500,000. Ideal for those seeking a balanced blend of cost and benefit, Premier includes inpatient coverage, hospital room and board, emergency evacuation, and reimbursement for travel essentials. A Treatment Area Limit (TAL) option can reduce premiums further by limiting outpatient benefits.

1.3 Standard

A flexible base plan, Standard provides coverage up to USD 2 million annually. It adds outpatient benefits such as maternity (up to USD 6,250 per event) and includes co-payment options (20%). Applicants with declared pre-existing conditions may still apply, pending underwriting.

1.4 Comprehensive

Comprehensive is Pacific Cross’s most extensive health plan, offering up to USD 3 million in annual coverage. It includes full inpatient and outpatient treatment, personal accident and emergency benefits, and cashless services at network hospitals.

1.5 Maxima & Maxima Plus

Premium inpatient plans—Maxima and Maxima Plus—offer enhanced room, board, and organ transplant limits. Maxima provides up to THB 5 million per year with THB 8,000/day room and board, while Maxima Plus doubles the coverage to THB 10 million per year and THB 10,000 per day. Both include worldwide emergency evacuation and unlimited hospital choice.

1.6 Expat Care (Pre‑Existing Conditions)

Expat Care plans cater to expatriates with declared pre‑existing conditions and come in three tiers—Expat Care 1, 2, and 3. Annual coverage limits reach THB 50 million, with a lifetime cap of THB 75 million. Maternity coverage is available in higher tiers. These plans include inpatient, outpatient, emergency dental, home nursing, and transplant services, with a two-year moratorium period for pre-existing condition coverage.

2. Travel Insurance Plans

2.1 Bon Voyage Single‑Trip

The Bon Voyage Single‑Trip plan provides flexible trip durations (5–180 days) with no deductibles for most benefits. Coverage includes emergency medical (up to THB 7.5 million), personal accident (up to THB 4 million), hospital cash allowance, baggage protection, travel document cover, and liability protection. It also covers non‑professional adventure sports such as trekking and snorkeling.

2.2 Outbound Travel Insurance

Designed for travelers departing Thailand, this plan offers worldwide emergency assistance, medical coverage ranging from THB 1 million to THB 7.5 million, personal accident coverage, hospital cash, and optional sports coverage. It fulfills visa and Schengen area requirements and does not require medical exams for applicants up to age 75.

2.3 STV‑90 & STV‑180 Visa Plans

These long-term tourist visa policies meet Thailand’s USD 100,000 minimum health insurance requirement. They include COVID‑19 coverage, accommodate substandard health risks, but exclude pre-existing conditions until after specified waiting periods: 15 days for COVID‑19, 30 days for general illness, and up to 120 days for critical conditions.

3. Personal Accident Insurance Plans

Pacific Cross’s Personal Accident (PA) plans—Smart, Exclusive, and PA Platinum—provide global 24/7 coverage, including injuries from motorcycle use and emergency dental treatment.

3.1 PA Platinum Highlights

• Sum insured up to THB 2 million per accident
• Double compensation for holiday-time fatal accidents
• Hospital income (up to 30 days) plus funeral and surgical expense benefits
• Cashless coverage at 350+ hospitals in Thailand
• Motorcycle and malicious act protection included
• Emergency assistance worldwide for short-term travel

A detailed benefit matrix is available in the official PA Platinum brochure.

4. Key Benefits & Competitive Advantages

• Extensive hospital network: 450+ hospitals in Thailand and over 3,300 clinics across ASEAN
• Cashless service: Direct billing eliminates upfront hospital costs
• Lifetime renewability: No age limit or cancellation based on health changes
• COVID‑19 coverage: Included in health, travel, and visa policies
• Substandard & high‑risk acceptance: Coverage available for smokers, older applicants, and certain medical conditions
• Flexible plan terms: Discounts, customizable deductibles, and no‑exam application options up to predetermined limits

5. Corporate & Group Solutions

Pacific Cross provides customized insurance solutions for employee benefits programs, school and travel group coverage. Options include self‑insurance, stop‑loss structures, and wellness analytics tailored for organizations seeking comprehensive care and risk management solutions.

6. Customer Experience & Claim Transparency

Pacific Cross is widely recognized for comprehensive coverage and efficient cashless services. However, feedback among some users notes occasional claim processing delays, especially for pre‑existing conditions. To ensure a smooth experience, policyholders are advised to:

• Disclose all relevant medical history during application
• Understand waiting periods and condition-specific clauses
• Maintain clear communications with agents who can assist with claim submission

More Plans on offer

• Health insurance Thailand
• Expat health insurance
• Travel insurance Thailand
• Tourist visa insurance
• Personal accident insurance
• Motorcycle accident coverage
• Cashless hospital Thailand
• COVID‑19 travel health
• Schengen visa medical insurance
• Pre‑existing condition coverage
• Substandard risk insurance
• ASEAN health insurance network

8. How to Apply & Get a Quote

1. Select your plan – Choose between Health, Travel, or PA
2. Request an online quote – Visit Pacific Cross Thailand to submit details
3. Complete any underwriting (for Expat Care and long‑term plans)
4. Receive your digital policy documents within a few days
5. Use 24/7 emergency assistance and cashless hospital access from day one

Receive your customized quote today at: https://www.pacificcross.com/

9. Frequently Asked Questions (FAQ)

Q: Are pre‑existing conditions covered?
A: Yes—Expat Care plans allow you to declare conditions and become eligible for coverage after the moratorium period.

Q: Is there an age limit?
A: Policies can be issued up to age 75, with lifelong renewability thereafter.

Q: What if I have a chronic condition like diabetes?
A: Declaration during application is essential. Pacific Cross may include coverage with adjusted premiums or conditions; non-disclosure can lead to claim denials.

Q: Is COVID‑19 covered?
A: Yes. All plan categories include COVID‑19 medical treatment and travel disruption benefits.

Q: How does the cashless hospital network work?
A: Simply present your Pacific Cross card at participating hospitals. They will bill the insurer directly for covered inpatient services.

10. Conclusion

Pacific Cross Thailand offers robust health, travel, and personal accident insurance plans designed for residents, expatriates, seniors, and adventure travelers. With tiered plans, extensive global emergency assistance, and a vast hospital network, Pacific Cross delivers strong protection for individuals, families, and corporate clients.

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