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Thaivivat is a popular insurance provider in Thailand with expats and travelers because of its local expertise and comprehensive benefits. Working with a local insurance brand can help you navigate through the country’s different legal systems and overcome the language barrier for you.
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If you are looking for health insurance during your stay in Thailand, this Pacific Prime article is the perfect place. Learn more about Thaivivat, one of Thailand’s leading insurers, the plans they offer, and why you should work with an insurance broker for many benefits you may not realize.
Why Do Expats Need Thaivivat Medical Insurance?
Thaivivat medical insurance plans are recommended to expats because of their important healthcare coverage, local expertise, affordability, and other attractive benefits.
Travelers, especially those venturing to remote areas of Thailand, need to be aware of the fact that adequate medical care may not always be readily available. It’s important to have a strategy in place that coordinates medical evacuations in the event that they are needed.
Finally, tourists who do not know much about the local legal system might have a hard time getting the medical care they need in an emergency or at a price they can afford.
Thaivivat can efficiently handle a healthcare provider’s and insurance company’s communications, putting you under the care of a doctor immediately.
It is imperative to have a comprehensive medical insurance plan to cover the costs associated with accidents and illnesses that may occur while living in or visiting Thailand. This is why Thaivivat is a leading choice for expats in Thailand.
Thaivivat’s Conditions and Requirements
Thaivivat offers its insurance plans to individuals aged 65 and under, as well as those without pre-existing or congenital conditions. Direct billing under the Thaivivat coverage scheme is only available within Thailand, and they only receive and make payments in Thai Baht (THB).
For those who are interested in securing health insurance from Thaivivat, the requirements are as follows:
- The age limit for new enrollment is 65 years
- The maximum age for renewal is 70 if you enroll after 61
- If you enroll before 61, you can continue to renew every year until your passing
- Local Thai nationals are accepted
- Kids alone are not accepted
The payment terms, regarding currencies and acceptance, are as follows:
- Bank transfers are accepted
- Credit cards are accepted
- Payment frequency is 8% monthly (First 2 months must be paid in advance)
- The only currency accepted is the Thai Baht
- Acceptance is processed upon payment
The underwriting terms are as follows:
- Pre-existing conditions are not accepted
- Congenital conditions are not covered
- The company will not pay benefits for any sickness during the first 30 days from the date of policy commencement
The company will not pay any benefits during the first 120 days from the policy commencement date for the following diseases:
- A benign or malignant tumor, cancer, or cystic mass
- Hemorrhoids
- Hernias
- Pterygium, pinguecula, and cataract
- Tonsillectomy or adenoidectomy
- Stones
- Varicose veins
- Endometriosis
The claims and reimbursement conditions are as follows:
- Only scanned copies of original documents are accepted
- Reimbursements will be paid in Thai Baht
- The average claim time is 2 to 3 weeks
- Worldwide direct billing is not available
- Direct billing is only available in Thailand
Expat Health Insurance Plans Provided by Thaivivat
Thaiviviat’s health insurance plans range from Star 1 Plus, Star 2 Plus, Star 3 Plus, Star 4 Plus, Star 5 Plus, to Star 6 Plus.
These plans are listed in order of comprehensiveness and coverage limits, with Star 4, 5, and 6 Plus being the most comprehensive, offering 100% coverage of hospital general expenses.
Please note that coverage outside of Thailand is only available for trips of up to 30 days maximum, on a reimbursement basis, for illnesses and accidents. For the U.S. and Canada, only accidents are covered.
The plans are discussed in detail below.
Star 1 Plus Health Insurance by Thaivivat
Thaivivat’s Star 1 Plus Health Insurance plan offers expats practical and affordable healthcare coverage with a maximum inpatient benefit payable per disability of 200,000 THB, and hospital general expenses coverage of up to 14,000 THB.
Add-on outpatient coverage is 600 THB (Standard) / 800 THB (Deluxe) / 1,000 THB (Super-Deluxe) per day.
Other benefits and coverage included in Star 1 Plus are:
- An overall maximum inpatient benefit payable per disability is 200,000 THB
- Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and outpatient treatments, are covered for a maximum of 30 days after discharge, for up to 14,000 THB
- Room and board 1,200 THB per day, with ICU coverage of 2,400 THB a day
- Inpatient Doctor’s fees are 600 THB a day (maximum 1 visit per day) and 2,500 THB for specialist consultation fees per disability
- Add-on outpatient coverage: 600 THB (Standard) / 800 THB (Deluxe) / 1,000 THB (Super-Deluxe) per day (maximum 30 times per year)
- Evacuation and repatriation limit of 500,000 THB
- Maternity and complications are fully covered within the hospital’s general expense limit (with a waiting period of 280 days)
Star 2 Plus Health Insurance by Thaivivat
Thaivivat’s Star 2 Plus Health Insurance plan offers expats a higher level of protection with a maximum inpatient benefit payable per disability of 500,000 THB, and hospital general expenses coverage of up to 45,000 THB.
Add-on outpatient coverage is 800 THB (Standard) / 1,200 THB (Deluxe) / 1,600 THB (Super-Deluxe) per day.
Other benefits and coverage included in Star 2 Plus are:
- Overall maximum inpatient benefit payable per disability is 500,000 THB
- Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and outpatient treatments, are covered for a maximum of 30 days after discharge, for up to 45,000 THB
- Room and board are 3,500 THB per day, with ICU coverage of 7,000 THB a day
- Inpatient Doctors’ fees are 800 THB a day (maximum 1 visit per day) and 5,000 THB for specialist consultation fees per disability
- Add-on outpatient coverage: 800 THB (Standard) / 1,200 THB (Deluxe) / 1,600 THB (Super-Deluxe) per day (maximum 30 times per year)
- Evacuation and repatriation limit of 500,000 THB
- Maternity and complications are fully covered within the hospital’s general expense limit (with a waiting period of 280 days)
Star 3 Plus Health Insurance by Thaivivat
Thaivivat’s Star 3 Plus Health Insurance plan offers expats even higher coverage with a maximum inpatient benefit payable per disability of 800,000 THB, and hospital general expenses coverage of up to 80,000 THB.
Add-on outpatient coverage is 1,250 THB (Standard) / 1,800 THB (Deluxe) / 2,350 THB (Super-Deluxe) per day.
Other benefits and coverage included in Star 3 Plus are:
- Overall maximum inpatient benefit payable per disability is 800,000 THB
- Hospital general expenses such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and outpatient treatments, are covered for a maximum of 30 days after discharge, for up to 80,000 THB
- Room and board are 6,000 THB per day, with ICU coverage of 12,000 THB a day
- Inpatient Doctor’s fees are 1,200 THB a day (maximum 1 visit per day) and 7,500 THB for specialist consultation fees per disability
- Add-on outpatient coverage: 1,250 THB (Standard) / 1,800 THB (Deluxe) / 2,350 THB (Super-Deluxe) per day (maximum 30 times per year)
- Evacuation and repatriation limit of 500,000 THB
- Maternity and complications: 45,000 THB per Normal Delivery, 80,000 THB per Surgical Delivery
Star 4 Plus Health Insurance by Thaivivat
Thaivivat’s Star 4 Plus Health Insurance plan offers expats superior coverage with a maximum inpatient benefit payable per disability of 1,500,000 THB, and 100% hospital general expenses coverage.
Add-on outpatient coverage is 1,800 THB (Standard) / 2,400 THB (Deluxe) / 3,000 THB (Super-Deluxe) per day.
Other benefits and coverage included in Star 4 Plus are:
- Overall maximum inpatient benefit payable per disability is 1,500,000 THB
- Hospital general expenses, such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and outpatient treatments, are covered for a maximum of 30 days after discharge, for up to 100%
- Room and board are 8,000 THB per day, with ICU coverage of 100% a day
- Inpatient Doctor’s fees are 100% covered (maximum 1 visit per day) and 12,000 THB for specialist consultation fees per disability
- Add-on outpatient coverage: 1,800 THB (Standard) / 2,400 THB (Deluxe) / 3,000 THB (Super-Deluxe) per day (maximum 30 times per year)
- Evacuation and repatriation limit of 500,000 THB
- Maternity and complications: 45,000 THB per Normal Delivery, 80,000 THB per Surgical Delivery
Star 5 Plus Health Insurance by Thaivivat
Thaivivat’s Star 5 Plus Health Insurance plan offers expats an exceptional coverage with a maximum inpatient benefit payable per disability of 3,000,000 THB, and 100% hospital general expenses coverage.
Add-on outpatient coverage is 45,000 THB (Standard) / 70,000 THB (Deluxe) / 95,000 THB (Super-Deluxe) (unlimited times, maximum per year)
Other benefits and coverage included in Star 5 Plus are:
- Overall maximum inpatient benefit payable per disability is 3,000,000 THB
- Hospital general expenses, such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and outpatient treatments, are covered for a maximum of 30 days after discharge, for up to 100%
- Room and board are 12,000 THB per day, with ICU coverage of 100% a day
- Inpatient Doctor’s fees (maximum 1 visit per day) and specialist consultation fees per disability are 100% covered
- Add-on outpatient coverage: 45,000 THB (Standard) / 70,000 THB (Deluxe) / 95,000 THB (Super-Deluxe) (unlimited times, maximum per year)
- Evacuation and repatriation fees are covered 100% up to the total IPD Limit
- Maternity and complications: 80,000 THB per Normal Delivery, 120,000 THB per Surgical Delivery
Star 6 Plus Health Insurance by Thaivivat
Thaivivat’s Star 6 Plus Health Insurance plan offers expats the best-in-class coverage with a maximum inpatient benefit payable per disability of 10,000,000 THB, and 100% hospital general expenses coverage.
Add-on outpatient coverage is 60,000 THB (Standard) / 85,000 THB (Deluxe) / 110,000 THB (Super-Deluxe) (unlimited times, maximum per year)
Other benefits and coverage included in Star 6 Plus are:
- Overall maximum inpatient benefit payable per disability is 10,000,000 THB
- Hospital general expenses, such as drugs, dressings, X-rays, laboratory tests, physical therapy, use of the operating theater, and Emergency treatment (maximum per disability), including follow-ups and outpatient treatments, are covered for a maximum of 30 days after discharge, for up to 100%
- Room and board are 14,000 THB per day, with ICU coverage of 100% a day
- Inpatient Doctor’s fees (maximum 1 visit per day) and specialist consultation fees per disability are 100% covered
- Add-on outpatient coverage: 60,000 THB (Standard) / 85,000 THB (Deluxe) / 110,000 THB (Super-Deluxe) (unlimited times, maximum per year)
- Evacuation and repatriation fees are covered 100% up to the total IPD Limit
- Maternity and complications: 80,000 THB per Normal Delivery, 120,000 THB per Surgical Delivery
Thaivivat’s Group Health Insurance Plans for Expats
Thaivivat also offers group health insurance for businesses in Thailand that want to cover their employees fully. Their plans are designed for expats to travel, work, and live in Thailand without worrying about access to medical care.
Thaivivat’s group health insurance includes the following benefits:
- Global, portable coverage that can be converted to individual plans upon termination of group coverage for employees with continuous employment terms
- Cashless access to over 400 private healthcare providers in Southeast Asia
- First-class multi-language claims service from Euro-Centre
- Easy-to-implement cover for groups of 3 or more employees
- Medical History Disregarded (MHD) is available for groups of 10 or more employees
- Adjustable protection that fits your company’s budget and coverage needs
- Options for coverage types, deductible amounts, and premium payment structures
Why Consider Choosing Thaivivat Health Insurance?
Thaivivat offers comprehensive and affordable insurance plans, on top of their expertise in local laws and regulations. Thaivivat is a pioneer in providing expats with the necessary resources to lead a comfortable and obstacle-free life in Thailand.
A Leading Insurer in Thailand
Thaivivat is a frontrunner in Thailand’s insurance industry, with more than 70 years of experience and a network of 315 hospitals across Thailand. They are a trusted coordinator between expats and healthcare providers.
If you require urgent treatment in Thailand, you can feel secure in the knowledge that a native Thai insurer, well-versed in Thai healthcare, can provide you with timely access.
Cutting-Edge Digital Insurance
Over the years, Thaivivat has excelled at offering digital insurance plans to its clients. For example, their partnership with Fitbit, a leading smartwatch brand, provides user information that can help design insurance plans, enabling policyholders to manage their plans on digital platforms.
What’s more, their digital insurance plans also provide health incentives for policyholders, offering discounts to those who meet daily exercise goals, such as the number of steps taken in a day or over the course of a month.
A Thai Insurer Knows Thailand Best
Thaivivat has in-depth knowledge of the local insurance landscape, regulations, and healthcare providers. Their expertise in Thailand-specific insurance practices will put you under the care of a doctor immediately and without any language or cultural barriers.
Affordability Without Compromise
It is Thaivivat’s goal to offer the most affordable medical health insurance without compromising quality. Their commitment to affordability means the increase in premiums always stays affordable and within the budget of their policyholders.
Thaivivat continuously offers ways for policyholders to reduce their premiums, for example, by providing the option to choose a higher voluntary annual excess and which benefits to prioritize. This is the Thaivivat difference.
The Advantages Of Working With An Insurance Broker
The main benefit of working with an insurance broker is that they can help you find health insurance that best fits your needs and budget. Brokers act as intermediaries who help you get what you need for your specific conditions.
Since the success of a brokerage depends on having happy clients, brokers will put your needs first and do whatever it takes to earn your trust and satisfaction. They will ensure that you understand every aspect, condition, and mechanism behind your plans, leaving no detail amiss.
Pacific Prime is proud to be recognized as an industry leader in providing our customers with a clear and actionable understanding of their insurance options. We have become the go-to broker for clients all over the world thanks to our team of insurance industry experts, first-class services, and customer-centric approaches.
A few ways we can help you are by:
- Providing you with an understanding of the ins and outs of Thaivivat plans: It is important for us to ensure that you have a comprehensive understanding of what you’re entitled to.
- Providing impartial advice via phone call: Whatever it is you need help with, we’re just a call away, and we’re ready to assist you by answering your queries and processing your claims.
- Helping you pick and choose the right plan for your needs: We take the time to consider your needs and budgetary constraints, ensuring the plan you choose is cost-effective, practical, and suitable for you.
- Supporting you throughout your insurance journey: Our success is predicated on your satisfaction and well-being. As a result, we are committed to supporting you throughout your insurance journey, no matter how far you may be.
Get Health Coverage Today
Thailand is a unique country that offers a low cost of living, year-round warm weather, and an abundance of friendly locals. Furthermore, accommodation costs are reasonable, and public transportation and communication infrastructure are also adequate.
If you’re thinking about coming here, don’t forget to look for Thailand health insurance for expats and the best places to live in Thailand for expats while you’re at it.
With Pacific Prime as your trusted broker, you can attain the peace of mind necessary to explore and live in any country. We can provide you with an international health insurance plan to suit your individual needs or those of your family, allowing them to freely explore the land of smiles.
Additionally, it is worth considering Pacific Cross and VUMI when choosing your health insurance plans, as they offer equally attractive coverage terms and conditions. You can also compare plans from the top insurance companies in Thailand to get a bigger picture of your options.
Get in touch with us right away for quotes, or read here to find out how to use the quote generator.
Frequently Asked Questions
How many people can I insure on one plan?
Thaivivat’s international health insurance plans are designed to meet the needs of both individuals and families. As a result, it is possible to insure just yourself, a specific member of your family, or your entire household.
Who does Thaivivat provide cover for?
Thaivivat provides coverage for individuals and groups residing in Thailand who require the benefits and options provided by an international health plan. Their health insurance offers the highest standards of quality and services, making it a leading choice for local expatriates.
What happens if I change my country of residence?
In light of their current arrangements, Thaivivat cannot provide policyholders with continuous medical underwriting terms if they relocate to the United States, Switzerland, the United Arab Emirates, or Africa. This is because there is a possibility that these plans may evolve over time.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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