Expatriate Health Insurance for Pre-existing Conditions in Thailand
| Expat Care 1 | Expat Care 2 | Expat Care 3 | |
|---|---|---|---|
| Annual Overall Limit | 50,000,000 | 50,000,000 | 50,000,000 |
| Lifetime Limit (per Lifetime) | 75,000,000 | 75,000,000 | 75,000,000 |
| Newborn Limit (per Newborn) | 1,500,000 | 1,500,000 | 1,500,000 |
| Hospitalization Cost | ✔ | ✔ | ✔ |
| Pre-existing Condtions Coverage (2-year moratorium period) 1) Pre-existing conditions benefit 2) Maintenance of Non Pre-existing condition arising after enrollment |
̂ 200,000 Paid in full |
̂ 300,000 Paid in full |
̂ 300,000 Paid in full |
| Organ Transplantation | ✔ | ✔ | ✔ |
| Nursing at home, following Hospital Discharge | 45,000 | 45,000 | 45,000 |
| Emergency Dental Treatment (Due to Outpatient emergency dental treatment within 48 hours) |
30,000 | 30,000 | 30,000 |
| Maternity Care | ✖ | ✔ | ✔ |
| Outpatient Care | ✖ | ✔ | ✔ |
| Purchase or Hire of Crutches, Walkers, Wheelchairs and basic Orthopaedical Prostheses & Equipment | ✖ | 15,000 | 15,000 |
| Worldwide Medical Assistance Service | ✔ | ✔ | ✔ |
| Routine Health Care | ✖ | ✖ | ✔ |
| Personal Accident Benefit | ✔ | ✔ | ✔ |
Expat Health Insurance for Pre-Existing Conditions in Thailand | Pacific Cross Health
As an expat in Thailand, it is essential to source the best possible health insurance. At Pacific Cross Health, we offer expat health insurance with pre-existing conditions, ensuring everyone has access to the healthcare they deserve. If you are living in Thailand with pre-existing conditions and aren’t sure which path to take with your insurance policy, we are here to give you the peace of mind you need so you can focus on making the most of your time in this magnificent kingdom.
The Challenges of Finding Expat Health Insurance in Thailand
When it comes to Thai expat health insurance, you may be worried about the small print or if a policy might not pay out when it is supposed to. Additionally, for those with pre-existing conditions, there is often an additional layer of concern when it comes to finding a reliable policy. At Pacific Cross Health, we want our clients to feel in control, so we do everything we can to ensure those seeking health insurance with pre-existing conditions have access to a competitive and transparent service. Some of the challenges expats are likely to encounter when looking for health insurance that covers pre-existing conditions are as follows:
- Exclusions
Even when health insurance states that it covers pre-existing conditions, it is essential to carefully read the exclusions of the policy. Thai expat health insurance providers may vary significantly in premiums and coverage, but it is worth paying a little extra to ensure the policy’s exclusions won’t affect the claims process. Policies with exclusions can massively impact those with chronic illnesses, such as hypertension, heart disease, and diabetes.
- Waiting Periods
There are two types of waiting periods often associated with expat health insurance with pre-existing conditions. One might be as straightforward as paying up front, but others may require the policyholder to pay all expenses without receiving any reimbursement until the designated waiting period is over, which can sometimes take between one and five years. It is best to purchase a policy with partner hospitals so payments are transferred directly from the insurer to the healthcare provider.
- Surcharges or Limited Coverage
Another problem often associated with private health insurance for pre-existing conditions are premium surcharges or having limited coverage. This can sometimes result in the policy only covering a portion of the medical expenses or covering a condition at a much higher premium.
Benefits of Expat Health Insurance with Pre-Existing Conditions
If you’ve decided to live abroad, expat health insurance with pre-existing conditions is invaluable. Living in a foreign country can be challenging enough, but having the peace of mind a good health insurance policy will provide is key to success. With the right policy, you can make the most of life in Thailand without worrying about sudden health emergencies or medical expenses. At Pacific Cross Health, we provide multiple packages offering medical insurance for pre-existing conditions. With us, you will have access to the highest standard of medical facilities in all major cities without being out-of-pocket. The cost of treating a medical emergency can add up quickly, so living without this worry will massively enhance your life in Thailand.
Choosing the Right Thai Expat Health Insurance Plan
Thailand attracts a plethora of expats and tourists alike, so Pacific Cross Health has carefully designed Thai expat health insurance plans to suit them all. Having a plan that suits your specific needs is absolutely essential, so we also offer tailored solutions when it comes to healthcare for pre-existing conditions.
Perfect for Nomads: Expat Care 1
This health insurance plan is ideal for younger expats who aren’t yet focused on family planning. It offers an excellent level of coverage, including health coverage for pre-existing conditions. If you’re a nomad or digital professional, this plan might be perfect for you. It covers all essential medical expenses, including both inpatient and outpatient care, emergency treatments, and overnight stays.
Being aimed at younger people, it typically comes with less coverage for pre-existing conditions, but inclusions can be added upon request. In the fledgling stages of expat life, paying for a medical emergency can create numerous financial struggles and even result in needing to go home. With this cashless policy, you’ll be able to keep traveling wherever the wind takes you.
Essential for Family Planning Explorers: Expat Care 2
For those in the midst of settling down and family planning, a higher level of coverage is crucial. Expat Care 2 is a solution that gives you comprehensive Thai expat health insurance, covering pre-existing conditions, maternity care, and much more. With this plan, your coverage amount for outpatient visits will be much higher, allowing you to focus on your future plans without worrying about any visits to the clinic. Settling in a foreign country requires a tremendous amount of commitment, so achieving peace of mind is paramount.
Ultimate Plan for Senior Citizens: Expat Care 3
This policy is aimed at older expats and retirees. It offers extensive coverage for both inpatient and outpatient medical services, as well as health care for pre-existing medical conditions with little to no exclusions. As we get older, our health requirements may become more complex and frequent; we need to carefully consider what Thai expat health insurance we are purchasing. This plan is specifically designed to cater to all possible medical needs of older expats in Thailand.
Additionally, we have made sure this expat insurance with pre-existing conditions covers consultations, prescription medication, diagnostic checks, cardiac care, advanced surgery, and cancer treatment. With Expat Care 3 from Pacific Cross Health, you will never need to worry about what medical emergencies might occur.
Give Yourself Ultimate Peace of Mind with Our Thai Expat Health Insurance
Browsing the market for expat insurance with pre-existing conditions in Thailand can be a challenging process. At Pacific Cross Health, we offer a fully transparent, cashless service with 24/7 support. With health insurance from us, you will never need to worry about what medical emergencies come your way. Living in Thailand is an incredible opportunity, but it is essential to give yourself peace of mind with Pacific Cross Health.