Doctor reviewing insurance documents with patient

Premium Individual Health Cover

Independent broker

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Comprehensive individual health insurance — private-hospital network, outpatient included, expat-friendly.

Description

A premium individual health policy built for professionals and expats living in Bangkok. Inpatient coverage with a THB 8,000-12,000/night room rate (Bumrungrad, BNH, Samitivej, Bangkok Hospital all in-network), outpatient included up to THB 100,000/year, and maternity available after 10-month waiting period. Quoted across AIA, Bupa, Cigna, Pacific Cross and Luma — we recommend whichever carrier's claim ratio + network actually fits your situation. Direct-billing with every in-network hospital so you don't pay-and-reclaim.

Features

✓Inpatient room rate THB 8,000-12,000/night
✓Outpatient included · THB 100,000/year cap
✓In-network: Bumrungrad, BNH, Samitivej, Bangkok Hospital
✓Maternity after 10-month wait
✓Direct billing — no pay-and-reclaim
✓Quoted across 5 carriers — we pick what fits you

Limited offer

New customer offer — free claims assistance for the first year

Save ฿4,800NEW-CLIENT-2026

New policies bound through Bangkok Insurance Group between 2026-06-01 and 2026-12-31 include 12 months of dedicated claims-handling support at no extra fee — normally a THB 4,800/year service add-on. Renews at standard rates after year 1.

Warranty & guarantees

In-house warranty· Lifetime claims-support guarantee · 14-day free cancellation

Satisfaction guarantee

If we can't beat your current renewal quote on equivalent coverage, we'll tell you — and tell you to stay where you are. We win by being honest, not by churning policies.

Return policy

Thai law gives every new insurance policy a 14-day free-look period — full refund of premium if you cancel within 14 days of issue. After that, refunds are pro-rata per the policy's cancellation schedule.

Pricing

Standard

฿38,000

THB 8,000/night room rate. THB 1M annual cap.

✓Inpatient + outpatient
✓THB 1M annual aggregate
✓Bangkok private-hospital network

Premium

Recommended

฿65,000

THB 12,000/night. THB 3M annual cap. Worldwide.

✓Worldwide emergency cover
✓THB 3M annual aggregate
✓Full Bumrungrad / BNH access
✓Maternity included

Executive

฿110,000

THB 20,000/night. No annual cap. VIP.

✓No annual aggregate limit
✓VIP suite room category
✓Dental + vision included
✓Worldwide direct-bill

Trust

4.9·274 reviews on Google 4.8·162 reviews on Facebook

VerifiedFast response10+ yearsHighly recommendedAward winner

Team

Khun Apirak

Managing Broker & Founder

Khun Niran

Head of Claims

Sarah Williamson

Expat & International Desk

How it works

Quote in 1 hour
Within 1 hour
Tell us what you need; we run it across all 14 carriers we work with and surface the best 3 options — usually within the hour, never more than same-day.
Compare & decide
Same day
Side-by-side comparison of premium, coverage, exclusions, claim ratio. We explain trade-offs in plain English/Thai — no insurance jargon.
Bind & pay
≤ 24h
E-sign the application; pay annual, semi-annual, quarterly, monthly, or 0% installment. Policy issued within 24h.
Claim coordination
Throughout the policy
File a claim through us — never alone. We pre-validate the paperwork with the carrier and chase weekly until paid.
Proactive renewal
Annual
60/30/14-day automated renewal reach-out. We re-quote across all carriers each year to make sure you're not silently paying more.

In the press

Bangkok Post Business

How independent brokers are reshaping Thailand's insurance buying journey

2025

Thai Insurance Review

MDRT Thailand 2024: the brokerages punching above their weight

2024

Coconuts Bangkok

The expat's guide to actually getting your insurance claim paid in Thailand

2025

Details

Title: Premium Individual Health Cover
Specialisation: Independent broker
Category: Health
OIC license number: IB-29841
Tags: health, individual, expat, premium, outpatient, inpatient, private-hospital
Brokerage / firm name: Bangkok Insurance Group
Years in insurance: 22
Team size: 14
Accreditations: OIC-licensed broker, Insurance Brokers Association member, MDRT (Million Dollar Round Table), Court of the Table
Short description: Comprehensive individual health insurance — private-hospital network, outpatient included, expat-friendly.
Policy types offered: Health
Long description: A premium individual health policy built for professionals and expats living in Bangkok. Inpatient coverage with a THB 8,000-12,000/night room rate (Bumrungrad, BNH, Samitivej, Bangkok Hospital all in-network), outpatient included up to THB 100,000/year, and maternity available after 10-month waiting period. Quoted across AIA, Bupa, Cigna, Pacific Cross and Luma — we recommend whichever carrier's claim ratio + network actually fits your situation. Direct-billing with every in-network hospital so you don't pay-and-reclaim.
Carriers offered: AIA Thailand, Bupa, Cigna, Pacific Cross, Luma Health, Now Health International, April International
Features: [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]
Coverage tiers: Standard, Premium, Executive / VIP
Multi-carrier quoting: true
Annual premium handled — from: ฿38,000
Annual premium handled — to: ฿280,000
Gallery: https://images.unsplash.com/photo-1576091160550-2173dba999ef?w=1200,https://images.unsplash.com/photo-1505751172876-fa1923c5c528?w=1200,https://images.unsplash.com/photo-1582750433449-648ed127bb54?w=1200
Claim coordination offered: true
Renewal automation: true
Typical response time: Within 1 hour
Instant online quotes: true
Direct billing with carriers: true
Payment plans accepted: Annual only, Semi-annual, Quarterly, Monthly, Installment plan
Languages: Thai, English, Chinese (Mandarin), Japanese, French
Location: [object Object]
Client segments served: Individuals, Expats in Thailand, High net worth
Maps URL: https://maps.app.goo.gl/bangkok-insurance-demo-sukhumvit-23
Expat-friendly: true
Price: ฿38,000
Price type: From (min of variants)
Billing period: Year
Price negotiable: false
Featured: true
Badge: Most popular
Valid from: 2026-06-03T12:54:04.444Z
Valid until: 2026-07-03T12:54:04.444Z
CTA label: Get a quote
Order URL: https://lin.ee/bangkok-insurance-demo
Meta title: Premium Individual Health Insurance — Bangkok — Bangkok Insurance Group
Meta description: Inpatient + outpatient, Bumrungrad / BNH / Samitivej network, direct-billing. From THB 38,000/year. Quoted across 7 carriers.
Facebook caption: Inpatient + outpatient, Bumrungrad / BNH / Samitivej network, direct-billing. From THB 38,000/year. Quoted across 7 carriers.
LINE caption: Inpatient + outpatient, Bumrungrad / BNH / Samitivej network, direct-billing. From THB 38,000/year. Quoted across 7 carriers.
WhatsApp caption: Inpatient + outpatient, Bumrungrad / BNH / Samitivej network, direct-billing. From THB 38,000/year. Quoted across 7 carriers.
LinkedIn caption: Inpatient + outpatient, Bumrungrad / BNH / Samitivej network, direct-billing. From THB 38,000/year. Quoted across 7 carriers.
VAT rate (%): 7

Frequently asked questions

Is maternity included from day one?

No — maternity has a standard 10-12 month waiting period across every Thai carrier. Premium and Executive tiers include maternity once the wait passes; Standard adds it at +THB 18,000/year.

What about pre-existing conditions?

They're underwritten case-by-case at application. Some conditions are excluded outright; others are accepted with a loading or a defined exclusion. We tell you up front, before you pay anything.

Can I keep this policy if I leave Thailand?

Most of our recommended carriers (Cigna, Bupa, Pacific Cross) issue international portable policies. AIA / Bangkok Insurance domestic policies don't port — we steer expats to portable carriers from the start.

How are claims handled?

In-network: direct-billed by the hospital, you pay nothing. Out-of-network or overseas: pay upfront, send us the receipts and we file + chase. Average reimbursement in 7-14 days.