Pacific X Connect: Blog

The latest industry news, interviews, technologies, and resources.
Use the filters to find the information you need.
Mockup

Multivitamins? Or a well-balanced diet?

Are multivitamin supplements that contain several vitamins and minerals essential for good health?
More information
Mockup

Are we feeling better today…or worse?

Have regular medical check ups
More information
Mockup

Improving your health and preventing sickness

Sodas and energy drinks aren’t the only beverages to beware of. Coffee drinks often contain more sugar than the average glass of cola.
More information
Mockup

Global medical inflation in Thailand

Thailand has become world famous for the high levels of care, professional and experienced staff
More information
Mockup

How to clean your ears – without using cotton buds

The convenience of using a white bud in your ears to remove wax and other debris has worked well
More information
Mockup

The hidden dangers of talcum powder…

Avoid applying talcum powder to facial areas, rubbing it into the skin or inhaling it.
More information
Mockup

Watch your step…The danger of falling as you get older

There are ways you can reduce your risk of having a fall, including making simple changes to your home.
More information
Mockup

Are you at risk of having a stroke?

Types of strokes include Embolic strokes that occur when blood clots form, possibly in the heart or elsewhere, travel in the blood, clogging the small blood vessels in the brain.
More information
Mockup

Drugs that may slow down the escalation of prostate cancer by two years

Prostate cancer is the second most common cancer in men worldwide
More information
Mockup

Alcohol? What’s the problem?

How much alcohol is too much?
More information
Mockup

Private Hospitals

How many times have you visited a doctor and came out with 4 or 5 different medicines – do you question, why?
More information
Mockup

Is it heartburn, or a heart attack

If you have pain in your chest that’s not going away and you’re not sure whether it’s heartburn or a heart attack, call an ambulance.
More information
Mockup

Stroke Rates on the Rise

It has been inferred that those who regularly smoke cigarettes, have high-blood cholesterol levels and lead sedentary lifestyles face higher risks of suffering from a stroke
More information
Mockup

Health Insurance Requirements for Thailand’s Retirement (O-A) Visa

As of 31 October 2019, foreigners entering Thailand on a Retirement (O-A) Visa will be required to purchase adequate health insurance.
More information
Mockup

How Rising Medical Costs in Thailand Will Impact on Your Insurance Premium

With medical expenses steadily rising in Thailand minor treatments can have a significant impact on your finances
More information
Mockup

Medical Marijuana in Thailand

Nowhere in ASEAN can Marijuana be sold over-the-counter or in raw form. Thailand’s moves are viewed as a way of curtailing the illegal supply of cannabis and imposing government regulation, making it harder for its illegal sale.
More information
Mockup

Smoking versus Vaping The Effects on your Body

Both smoking and vaping have been proven to cause cancer and damage the lungs, both are now regarded as bad for your health.
More information
Mockup

What is the Process for COVID-19 Testing?

If you have any concerns that you may have COVID-19 or have been in close contact with someone who has the virus, you should immediately take a coronavirus test.
More information
Mockup

Should we adopt a vegetarian diet several times a week?

There are many reasons to eat less meat, such as protecting the planet, the welfare of animals, because of their religion, or perhaps more commonly, health reasons.
More information
Mockup

The Importance of Daily Exercise Routine and How They can Minimise Your Risk of DVT

Humans are naturally creatures of habit, and we do tend to adapt better to a regular routine.
More information
Mockup

Thailand healthcare system for foreigners

The quality of treatment in Thai public hospitals varies from one establishment to the next.
More information
Mockup

5 Important Facts About Medical Insurance with Pre-Existing Conditions

If you’re more concerned with finding a cost-effective solution that provides you with health insurance for pre-existing ailments in Thailand, you are in the right place.
More information
Mockup

Renewing Expat Health Insurance with Pre-Existing Conditions in Thailand

Some insurers, like ourselves, are happy to offer and renew expat health insurance with pre-existing conditions to customers from across the globe.
More information
Mockup

Does health insurance pay for organ transplantation?

Although medical science and technology have sky-rocketed in their understanding of and ability to perform effective transplants, it is still considered a last resort.
More information
Mockup

Navigating the Thai Healthcare System with Pre-existing Conditions

Understanding Thailand’s excellent healthcare system can make a significant difference in successfully navigating the health insurance system in Thailand.
More information

Learn more

Pacific Cross Thailand: Your Trusted Partner for Health and Travel Insurance in Thailand

When it comes to living, working, or traveling in Thailand, one of the most crucial aspects to consider is access to quality healthcare. Whether you're a digital nomad, expat, retiree, or tourist, ensuring you have the right health insurance in Thailand or travel insurance in Thailand can save you from unexpected costs and give you peace of mind.

Pacific Cross Thailand is a long-standing and reputable provider of both health insurance and travel insurance in Thailand, offering tailored solutions for individuals, families, and businesses. In this comprehensive guide, we’ll explore why Pacific Cross Thailand is a leading insurance choice, the details of their offerings, and why securing insurance should be at the top of your priority list when coming to the Land of Smiles.

Why Health and Travel Insurance Matters in Thailand

Thailand boasts a world-class healthcare system, with state-of-the-art private hospitals and internationally trained medical professionals. However, the cost of private medical care can be significant, especially for major procedures or emergencies. Here's where health insurance in Thailand becomes essential.

Similarly, travelers exploring Thailand are exposed to various risks – from tropical illnesses and food poisoning to motorbike accidents and trip cancellations. This is why having travel insurance in Thailand is not just recommended—it’s often a condition for visa applications or hospital admissions.

Pacific Cross Thailand at a Glance

Pacific Cross Insurance Company Limited, more commonly known as Pacific Cross Thailand, has been operating in Thailand for over 60 years. With deep expertise in medical and travel insurance, it has earned a solid reputation for transparency, customer service, and comprehensive coverage.

Key Highlights

  • Licensed by the Office of Insurance Commission (OIC) in Thailand
  • Strong focus on health and travel insurance products
  • Local expertise with international standards
  • Multilingual customer support
  • Cashless hospital network across Thailand and Asia

Pacific Cross Thailand’s insurance plans are recognized and accepted by a wide network of healthcare providers, ensuring clients receive timely and efficient medical care when needed.

Health Insurance in Thailand by Pacific Cross

Pacific Cross Thailand offers a wide range of health insurance plans suitable for all kinds of needs—from basic outpatient coverage to comprehensive inpatient and surgical benefits. Their policies are ideal for:

  • Expats living in Thailand
  • Foreign retirees
  • International students
  • Thai nationals seeking international-standard care

Standard Plan

An entry-level health insurance option offering affordable inpatient coverage. Includes:

  • Room and board
  • ICU charges
  • Surgery and anesthesia fees
  • Medications and diagnostics
  • Emergency medical treatment

Optional add-ons include outpatient services, dental, and maternity benefits.

Premier Plan

A more comprehensive option that includes both inpatient and outpatient coverage. Suitable for individuals who prefer a well-rounded plan.

Features include:

  • Outpatient consultations
  • Chronic illness treatment
  • Annual health checks
  • Prescribed medications
  • Specialist referrals

Maxima Plan

Designed for those seeking extensive medical coverage in Thailand, with higher limits and broader benefits.

Benefits include:

  • Extended inpatient and outpatient coverage
  • Maternity and newborn care options
  • Mental health services
  • Rehabilitation treatment
  • Vaccinations and screenings

Ultima Plan

The most comprehensive level of protection, ideal for those who want premium access to healthcare.

Includes:

  • Worldwide coverage (excluding or including the USA, as selected)
  • Medical evacuation and repatriation
  • High benefit limits
  • Private room and specialist care
  • Full outpatient and dental care

Travel Insurance in Thailand by Pacific Cross

Pacific Cross Thailand also provides travel insurance solutions for both inbound and outbound travelers. These policies meet visa requirements and offer essential protection for unexpected events while traveling.

Inbound Travel Insurance

Designed for tourists and visitors to Thailand. This plan includes:

  • Emergency medical coverage
  • COVID-19 coverage
  • Repatriation of remains
  • Emergency evacuation
  • 24/7 travel assistance

Meets requirements for Thailand Pass, tourist visas, and health-related entry conditions.

Outbound Travel Insurance

For Thai citizens and expats traveling internationally, this plan covers:

  • Trip cancellations and delays
  • Lost or stolen baggage
  • Emergency medical expenses abroad
  • Personal accident coverage
  • Evacuation and repatriation

Pacific Cross’s outbound travel insurance is ideal for holidays, business trips, or family visits abroad.

Why Choose Pacific Cross Thailand

Trusted Reputation

With decades of experience in the Thai insurance market, Pacific Cross has earned trust for its transparent service, strong customer support, and clear policy terms.

Multilingual Support

Services are available in English, Thai, and Chinese, making it easy for expats, travelers, and locals to access help during claims or emergencies.

Large Medical Network

Enjoy direct billing at over 300 hospitals and clinics in Thailand and across Southeast Asia, reducing out-of-pocket payments during medical visits.

Customization and Flexibility

Choose from a variety of plans, deductibles, and coverage levels to meet your lifestyle and financial needs. Pacific Cross offers flexible policy options that can grow with you.

Important Medical Insights for Expats and Travelers in Thailand

Dengue Fever and Mosquito-Borne Illnesses

Common during the rainy season, dengue fever can require hospitalization. A solid health insurance plan helps cover treatment and recovery costs.

Motorbike Accidents

Frequent among travelers and locals alike, motorbike accidents are a major reason for ER visits. Travel insurance with accident and emergency coverage is essential.

Food and Water Safety

Visitors may experience stomach-related illnesses. Travel insurance helps with doctor visits, medications, and diagnostics for food poisoning or infection.

Mental Health Coverage

Plans such as Maxima and Ultima may include mental health benefits, which are important for long-term well-being for expats and remote workers.

Frequently Asked Questions

Is health insurance mandatory in Thailand?

It depends on your visa type. Retirement, long-stay, and certain work visas require proof of health insurance. Even when not required, it is strongly recommended.

Can I buy travel insurance after arriving in Thailand?

Yes. Travel insurance can be purchased after arrival, although some benefits may be subject to waiting periods or conditions. Always confirm eligibility first.

How do I make a claim?

Claims can be made via direct billing at network hospitals or by submitting reimbursement forms through the online portal or via email, along with supporting documents.

How to Choose the Right Plan

Follow these steps to find the right health or travel insurance policy with Pacific Cross Thailand:

  • Determine your length of stay
  • Evaluate your current health needs
  • Decide on international vs local coverage
  • Review your budget and deductible preferences
  • Check network hospital availability in your area
  • Ensure your plan meets visa or travel requirements

Pacific Cross offers consultations to help match you with the most suitable insurance plan.

Final Thoughts: Protect Your Health and Peace of Mind in Thailand

Whether you’re soaking up the sun in Phuket, living the digital nomad life in Chiang Mai, or exploring Bangkok’s vibrant cityscape, having the right health insurance in Thailand or travel insurance in Thailand is an essential part of your journey.

Pacific Cross Thailand combines local understanding with global standards, offering reliable and flexible insurance products that ensure you’re covered when it matters most.

For expats, travelers, and residents alike, Pacific Cross is more than an insurance company—it’s your healthcare partner in Thailand.

‍

Plans and Claim Form

Download Center

Call us now

02-401-9189

Hospitals & Clinics

Discover our network