300x85.png)
Hong Kong
Singapore
China
Dubai
Thailand
United Kingdom
Mexico
If you’re an expat moving to Thailand, make sure you stay insured while you’re there. HealthCare International is an international private medical insurance (IPMI) with over 20 years of experience in giving expats the coverage they need.
Discover the world’s top
health insurers.
Compare quotes with
a click of the button.
Are you an expat looking for the best insurance for your move to Thailand? Are you hoping to compare top plans from exceptional providers in Thailand?
In this Pacific Prime Thailand article, we take a closer look at HealthCare International, the international health insurance they provide, and why they are one of the best choices for expats in Thailand.
If you’re still deciding where in Thailand to settle, check out our guide on the best cities for expats. Also visit our pages that outline the healthcare system in Thailand for more helpful information before your move. Now, let’s dive in.
HealthCare International: Thai Health Insurance Experts For Expats
HealthCare International Group is an insurance group based in the UK with over 20 years of experience providing IPMIs primarily designed for expats and digital nomads living abroad.
In the summer of 2022, HCI Group acquired Integra Global and MarineSure Health, two notable names in the IPMI space, successfully expanding their service portfolio to provide more comprehensive plans for expats and offer extensive plans for the unique healthcare needs of seafarers.
HealthCare International Health Insurance For Expats In Thailand
HealthCare International Group offers a wide variety of IPMIs catered to expats, expat families, and digital nomads, including the HealthCare International Protector Plans, the Short-Term Plan, and their latest NIMBL Health Plan that allows you to choose your coverage and cover limits.
When you secure a plan with HealthCare International, in addition to being insured in your country of residence, you can also expect access to some of the best private medical facilities and 24/7 emergency assistance.
HealthCare International Protector Plans
The HealthCare International Protector Plan features five categories of coverage for you to choose from: Inpatient, Standard, Plus, Premium, and Executive. Depending on which variation you choose, your plan will have different additional benefits and cover limits.
All Protector plans cover hospital inpatient treatment, cancer care, emergency medical evacuation, and repatriation.
🟢 – Insured
🟡 – Insured with limits
🔴 – Not insured
| Benefit | Inpatient + | Standard | Plus | Premium | Executive |
| Hospital Inpatient Treatment | |||||
| Accommodation, operating theater, and recovery room | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Daycare surgery/treatment | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Diagnostic procedures | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Nursing | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Prescription drugs & medicines | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Physician, specialist, surgeon, and anesthetist fees | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Outpatient and Preventative Treatment | |||||
| Alternative Medicine | 🔴 | 🔴 | 🔴 | 🟡 | 🟡 |
| Physician and paramedic fees | 🔴 | 🔴 | 🟡 | 🟡 | 🟢 |
| Physiotherapy | 🔴 | 🔴 | 🟡 | 🟡 | 🟡 |
| Prescribed drugs | 🔴 | 🔴 | 🟡 | 🟡 | 🟡 |
| Diagnostic tests/treatments | 🔴 | 🔴 | 🔴 | 🟡 | 🟢 |
| Health checks: | 🔴 | 🔴 | 🔴 | 🟡 | 🟡 |
| Vaccinations | 🔴 | 🔴 | 🟡 | 🟡 | 🟢 |
| Wellbeing | 🔴 | 🔴 | 🟡 | 🟡 | 🟡 |
| Well child care | 🔴 | 🔴 | 🟡 | 🟡 | 🟡 |
| Hospice and Terminal Care | |||||
| Physical, psychological, social, spiritual care and hospital or hospice accommodation, nursing, and prescription medicines | 🟡 | 🟡 | 🟡 | 🟡 | 🟡 |
| Cancer Treatment | |||||
| Chemotherapy, radiotherapy, oncology, diagnostics, and prescribed drugs for treatments received as in-patient and day-patient. | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Maternity and Childbirth | |||||
| Normal pregnancy and childbirth | 🔴 | 🟡 | 🟡 | 🟡 | 🟡 |
| Complications of pregnancy and childbirth | 🔴 | 🟡 | 🟡 | 🟡 | 🟡 |
| Dental Treatment | |||||
| Emergency dental treatment | 🔴 | 🔴 | Optional | Optional | 🟡 |
| Dental crowns / bridges / dentures / implants | 🔴 | 🔴 | Optional | Optional | 🟡 |
| Routine dental care | 🔴 | 🔴 | Optional | Optional | 🟡 |
| Restorative dental treatment | 🔴 | 🔴 | Optional | Optional | 🟡 |
| Orthodontics (for children under 18) | 🔴 | 🔴 | Optional | Optional | 🟡 |
| Transportation | |||||
| Emergency medical evacuation and medical repatriation | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Road ambulance | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Repatriation of mortal remains | 🟢 | 🟢 | 🟢 | 🟢 | 🟢 |
| Other Benefits | |||||
| Eye examinations / eyeglasses / contact lenses | 🔴 | 🔴 | 🔴 | 🔴 | 🟡 |
| Home nursing | 🔴 | 🔴 | 🔴 | 🟡 | 🟡 |
| Personal Accident cover (in case of death by accident for members over
the age of 18) |
🟡 | 🟡 | 🟡 | 🟡 | 🟡 |
| Prescribed medical aids | 🔴 | 🔴 | 🔴 | 🔴 | 🟡 |
| Psychiatric, drug or alcohol dependency | 🔴 | 🔴 | 🔴 | 🔴 | 🟡 |
| Rehabilitation / convalescence | 🔴 | 🔴 | 🔴 | 🟡 | 🟡 |
General exclusions include:
- Artificial life maintenance
- Conflict and disaster
- Congenital conditions
- Cosmetic Treatments and their consequences
- Consequences of not following medical advice
- Deafness
HealthCare International NIMBL Health
NIMBL Health is HealthCare International’s latest policy that offers a truly flexible option for individuals, couples, and expat families. Opting for the NIMBL Health allows you to select the benefits and the level of coverage to create a plan tailored to your specific needs.
The core benefits of the NIMBL Health include inpatient, cancer cover, and emergency dental cover. Additional benefits include outpatient, dental, and assistance and evacuation. HealthCare International claims that there are up to 500,000 variations of NIMBL that can be customized by you.
What sets the NMBL Health plans apart from the HealthCare International Protector Plan is that you can freely pick additional benefits you want and the cover limits for them independently. You can choose to cap their core benefits at USD $250,000, $1,000,000, $2,000,000, or $3,000,000.
Depending on what you select, the premium prices will differ. Deductibles ranging from nil to USD $10,000 are also available to reduce the annual premium of your plan.
NIMBL Health summary of benefit structure:
| Type of Benefit | Status | Limits |
| Inpatient Cover | Included in all plans | Subject to selected Core Benefit Cap |
| Cancer Cover | Included in all plans | Subject to selected Core Benefit Cap |
| Emergency Dental Cover | Included in all plans | Subject to selected Core Benefit Cap |
| Routine Dental Cover | Optional benefit that can be added | Subject to the selected Optional Additional Benefit Cap |
| Out-patient Cover | Optional benefit that can be added | Subject to the selected Optional Additional Benefit Cap (or Core Benefit Cap if ‘full refund’ is Your chosen option) |
| Maternity Cover | Optional benefit on Group Schemes only | Subject to the selected Optional Additional Benefit Cap |
| Assistance & Evacuation | Optional benefit that can be added | Subject to selected Core Benefit Cap |
Additional Benefits:
| Benefit Type | Default Option | Option 1 | Option 2 | Option 3 | Deductible Applies |
| Out-patient Cover | None | $2,500 | $7,500 | Full Refund | Yes |
| Routine Dental Cover | None | $1,000 | $2,000 | $3,000 | No |
| Maternity Cover (Group Schemes only) | $5,000 | None | $10,000 | $15,000 | No |
Why You Should Use a Broker to Buy Insurance
You can secure an insurance policy through either an insurance agent or through a broker like Pacific Prime. Instead of using an agent, you should always use a broker because they represent you and show you the options from various insurers that best fit your needs.
The main difference between an agent and a broker is who they represent. An agent typically represents one insurance company, meaning they will only provide options from that company.
On the other hand, insurance brokers partner with different insurance companies, meaning they are free and unbiased to provide you with insurance options that best fit your budget and needs.
An agent’s goal is to get you to buy a policy from their company. Brokers, on the other hand, represent you, and their goal is to help you secure an insurance policy that best suits you.
Frequently Asked Questions
How much does expat health insurance cost in Thailand?
Thailand has been one of the cheapest countries to secure health insurance for a few years. The average cost of International health insurance in Thailand is only around USD $3,594 according to Pacific Prime’s Cost of Health Insurance Report 2024.
Why do I need health insurance as an expat in Thailand?
Health insurance is necessary for expats working in Thailand to ensure that in the case of emergencies or even common illnesses, you have access to some of the top hospitals available in the country.
How to choose between expat and international health insurance?
The main difference between expat and international health insurance is that international health insurance provides worldwide coverage (with exclusions) whilst expat plans often cover only a specific country or region. International health insurance is more suited for those with a larger budget.
Conclusion
HCI Group is a strong option for expats and digital nomads to consider when looking for an international health insurance plan in Thailand.
While HCI Group is not the only insurer out there specializing in expat IPMIs, their new NIMBL Health plans shine with unparalleled freedom for expats to choose the benefits they desire and set cover limits to create a plan that truly fits their needs.
HCI Group’s Protector Plans offer a comprehensive solution for expats who are uncertain about their needs or preferences. With different variations to choose from, you can select the most suitable variant to get sufficient coverage without breaking your budget.
Although having such a high level of freedom over your insurance plan can be beneficial, there are many additional factors that can be easy to overlook. In these situations, you can seek the help of insurance brokers like Pacific Prime.
Pacific Prime partners with top insurers like Morgan Price, Now Health, and HealthCare International Group! Find the right plan for you today at Pacific Prime Thailand, our experts can help simplify the complicated insurance process to help you find the best plans that fit your needs and budget.
Contact us today for a free quote, and get started on your insurance process!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
- Best International Health Insurance Plans for Expats in Fiji – October 17, 2025
- Best International Health Insurance Plans for Expats in Kosovo – October 17, 2025
- How to Get UAE Citizenship in Dubai – October 17, 2025
