International health insurance
Private cover for your move to Thailand
Access any clinic
Any doctor, any hospital
Visa-compliant coverage
Underwritten by a German insurance
Top rated: 4.8/5
On 2500+ reviews.
Get a price estimate
Do expats need private health insurance in Thailand?
In practice, yes. Thailand's public schemes are built for Thai citizens and employees with a work permit, so most people moving here can't use them. Private hospitals in Bangkok, Chiang Mai and Phuket are excellent, but they usually expect foreigners to pay upfront or leave a deposit. Feather International Health covers you there and worldwide, up to €300,000 a year on Essential or €2.5 million on Plus.
View plan benefits in detail
Essential covers outpatient and hospital care at 100%, up to €300,000 a year. Plus raises that to €2.5 million and adds maternity, mental health and check-ups, some after waiting periods. View the full coverage details for both plans, Essential and Plus, to find the right fit. Use any hospital, including Bumrungrad, Bangkok Hospital, Samitivej and MedPark.
How does healthcare work in Thailand?
The public schemes
Thailand has three public health schemes, and most expats can't use any of them. The Gold Card is for Thai citizens. Social security is for employees with a work permit. The third is for civil servants. If you're on a retirement visa, Long-Term Resident visa, digital nomad visa, or Elite visa, you won't qualify.
On the other hand, private hospitals in Bangkok, Chiang Mai, and Phuket offer excellent English-speaking care.
Pharmacies & medication
Pharmacies are everywhere in Thai cities, including Boots and Watsons with English-speaking staff, and many in Bangkok stay open all night. Pharmacists can legally sell many medicines without a prescription, including most antibiotics, so ask before you self-treat. With Feather, prescribed medicines are reimbursed once you upload the receipt.
Emergency services in Thailand
In an emergency, call 1669 for an ambulance. The Tourist Police on 1155 speak English and answer around the clock. Big private hospitals like Bumrungrad and Bangkok Hospital run their own ambulances. Response times vary by area and traffic.
Who is Feather for in Thailand?
Remote workers on a DTV
The DTV asks for proof of funds, not insurance. Your health is still on you, and one hospital stay can cost thousands. Note: martial arts training like Muay Thai isn't covered.
Retirees
Apply up to age 74, cover ends at 75. A good fit on a Non-O or LTR. On an O-A, talk to us before you apply.
Families
Moving with kids? Each family member gets their own policy, managed in one account. Planning a baby? Plus includes maternity after a 10-month waiting period.
Gap year & job seekers
Illness and accidents are covered from your start date. The minimum term is 12 months, then you can cancel monthly.
Long-Term Residents (LTR)
The LTR asks for at least USD 50,000 of health cover with 10 months left on the policy. Both Feather plans clear that.
Planning an O-A or O-X?
The O-X only accepts Thai insurance. An O-A from abroad needs a certificate signed by the insurer. Ask us first and we'll tell you straight.
Health cover that moves with you
Essential from €68 (about THB 2,550) a month at 30 and €260 (about THB 9,750) at 60, Plus from €128 (about THB 4,800) and €384 (about THB 14,400).
How much is health insurance in Thailand?
Private care in Thailand costs less than in Western Europe, but bills add up fast. Without cover, expect around THB 3,600 for a GP visit at a top Bangkok hospital and THB 27,500 or more for a hospital day. Prices vary a lot by city and hospital. With Feather, you know your monthly price before you pay.
Public healthcare
If you work for a Thai employer, social security takes about 5% of your wages (capped at THB 875/month in 2026), and your employer matches it. There's a three-month wait for non-work illnesses. It covers most costs, but only at your assigned hospital.
Private medical insurance
Our plans start at €56/month for Essential and €84/month for Plus. Both cover you at private hospitals like Bumrungrad, Bangkok Hospital, Samitivej, and MedPark.
Do you need health insurance for a Thai visa?
It depends on the visa. The LTR and O-A require health insurance, the O-X requires Thai insurance, and the DTV and Non-O don't require any. Here's where Feather fits.
Which Thai visas this works for
LTR: both plans clear the USD 50,000 minimum. DTV and Non-O: no insurance required, but you'll want cover. O-A: talk to us first. O-X: Thai insurers only.
Need proof of cover for your visa?
Once we've reviewed your application, we send an English confirmation of cover with your dates and limits. Rules differ by visa and embassy, so tell us yours first. If it needs a Thai insurer, we'll say so.
How does Feather's international health insurance work?
Choose your plan
Compare Essential and Plus, pick your excess, and answer a short health questionnaire online.
We activate your plan after review
Your confirmation lands in your inbox once we've reviewed your application.
Visit any doctor
Any doctor, no network, no referrals. For a planned hospital stay, contact us first to get it pre-approved.
Upload your bill in the app
Already paid? Open the Feather app, snap a photo of your invoice, and submit your claim in under a minute.
Get reimbursed to your account
We repay 100% of eligible costs, after your excess, to your bank account.
Cancel anytime after year one
There's a one-year minimum term. After that, cancel whenever you want. No penalties.
Why Feather?
187,000+
Customers covered
60+
Countries worldwide
4.6 star rating
75,000+
Processed claims
Fast to set up
Signup and management, fully online
In English
Contracts, claims, and support
Tailored guidance
From experts who know the system
Don't take our word for it
Dajana was amazing
“She answered all our questions and provided clear and detailed responses to ensure we select the proper coverage. The whole experience was perfect! I am confident I made the right choice going with Feather!”
Mascia
I trust them. No BS.
“They don't sugar coat the insurances, if they don't provide the best option, they would help you understand what's the best one.”
Michal
Super helpful
“The representative answered my questions clearly and helped me make sure I was aware of my options! This was the perfect fit for my situation as an expat looking for a job in Spain and needing temporary coverage.”
Erin
Sorted your health insurance yet?
Takes 2 minutes. From €56 per month. 4.8/5 rated on over 2,500 reviews.
