Living in Thailand as an expat means being in a completely new territory where you might not have access to comforts that you’re used to back home. This is why the government requires foreigners who wish to stay in the country long-term to invest in health insurance for added protection.
Now if you still haven’t found the right expat health insurance in Thailand, here are some of the coverage options that should be included in a good plan:
- Outpatient Care
Outpatient care covers all the services that you use when you seek medical attention without being admitted to the hospital. This includes your visits to the doctor, laboratory testing, medications and some minor procedures and treatments that don’t require admission.
- Inpatient Care
Hospitalisation is the most expensive part of getting medical treatment in any country. So if you’re an expat, it’s very important to get health insurance that offers inpatient care benefits such as your room and board, doctor’s fees, medical or surgical fees, laboratory testing, nursing care, medications and supplies, and even ambulance services if you need it. With the right insurance plan, you wouldn’t need to worry about the expenses of getting hospitalized and focus on your healing and recovery. You also get more options for hospitals, which gives you better opportunities at getting the best healthcare possible.
- Emergency Care
You’ll never know when an emergency happens. It could be an accident, a sudden illness or other circumstances that would prompt immediate medical treatment. This is why it’s a must that your health insurance covers emergency care for injuries, chronic illnesses and other emergencies that need ambulance services, emergency room treatment and other procedures.
- Preventative care
Your health insurance plan shouldn’t only take care of you when you’re already sick. It should also cover preventative care that allows you to ensure a healthier wellbeing. This includes getting regular checkups, routine vaccinations, health screenings, and even health counselling aimed at preventing certain diseases and diagnosing them as early as possible.
- Maternity and Newborn Care
If you are thinking about starting a family in Thailand, maternity and newborn care health insurance is essential. It should cover all of your prenatal checkups, labour and delivery, and postnatal care so that you get the best medical service possible without having to think about the expenses. This policy should also entail all vaccinations and wellness checkups for the baby and any emergency medical care needed for the newborn.
Of course, it’s very important to look for health insurance that covers mental health services like counseling, psychiatric consultations, medications and therapy sessions. Living in a world where there’s a lot of pressure to keep up, it’s not uncommon for you to experience mental health issues at some point. But you should never hesitate to seek professional help by taking advantage of your health insurance plan in Thailand.
With all the benefits of having health insurance for expats, there’s no doubt that you should invest in the right plan for you and your family.