Allianz Ayudhya: Health Insurance for Expats Living in Thailand
As one of Thailand’s leading health insurance providers, Allianz Ayudhya offers a wide range of comprehensive and flexible plans designed to help expats manage their medical needs and enjoy greater peace of mind.
In this Pacific Prime Thailand article, we will explain the importance of health insurance for expats in Thailand, provide top insurance plans offered by Allianz Ayudhya, and share tips to help you get the best value and coverage for your money.
Why Health Insurance is Essential for Expats in Thailand
Living in Thailand is full of exciting opportunities, but, as an expat, it’s important to be prepared for the unexpected, particularly when it comes to your health. Some common health concerns for expats include food poisoning, dengue, and road accidents.
While Thailand’s healthcare system is well-regarded for its high-quality medical care, public hospitals often come with long waiting times and limited English-speaking support, which can lead to communication challenges and stress for expats during treatment.
Private hospitals, on the other hand, offer faster service, modern facilities, and access to experienced, English-speaking doctors. But this level of care comes at a higher cost.
This is where comprehensive health insurance truly makes a difference. It helps cover the high costs of private care and offers peace of mind, knowing that you’re protected if illness or injury strikes while you’re far from home.
In addition, for long-term stays in Thailand, health insurance isn’t just a safety net but also part of a visa requirement. Visas such as the O-A, O-X, and LTR (Long-Term Resident) visa all have mandatory health insurance criteria that must be met to qualify or renew your stay.
Allianz Ayudhya Health Insurance Plans for Expats in Thailand
Allianz Ayudhya, under Allianz Group, offers a wide range of comprehensive health insurance plans that cater to expats’ varying needs. The company is one of the top five life and health insurance companies globally and has over 70 years of experience in the Thai insurance industry.
The following section highlights some of Allianz Ayudhya’s top health insurance plans for expats in Thailand.
Basic Care Plan: Budget-Friendly Coverage for Hospitalization
Allianz Ayudhaya’s Basic Care Plan caters to young expats and digital nomads who prioritize inpatient care coverage. The plan provides a maximum benefit of up to THB 750,000 per policy year at a relatively low premium.
Individuals between 11 and 65 years old are eligible to apply. Those who do so before age 60 and maintain continuous coverage are guaranteed a lifetime renewal.
Plan Highlights
- Hospitalization Coverage: Up to THB 750,000 (USD $23,270) per policy year (depending on plan selected).
- Pre- and Post-Hospitalization Care: Diagnostic and follow-up treatments related to hospitalization are covered within 30 days before and after admission.
- Surgical Benefits: Coverage for operating theater, surgeon, and anesthesiologist fees, and surgical equipment paid in full (not exceeding the annual plan limit).
- Optional Outpatient Coverage: Additional outpatient benefits can be added.
- Telemedicine Service: Unlimited teleconsultation service from doctors within the company’s network.
| Description | Benefits (Baht) | ||
| Plan 1 | Plan 2 | Plan 3 | |
| Policy year coverage limit | 350,000 | 550,000 | 750,000 |
| Inpatient room per day | 2,000 | 3,000 | 4,000 |
| Hospital expenses | Paid in full
(Not over maximum coverage per policy year) |
||
| Nursing services | |||
| Surgery and other related costs | |||
| Home medications and medical supplies | |||
| ICU (Maximum limit of 15 days) | 4,000 | 6,000 | 8,000 |
| Ambulance services | 1,000 | ||
| Outpatient | Optional | ||
| Personal accident coverage | Optional | ||
This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
Max Care Plan: Customizable Coverage for Every Expat Lifestyle
The Max Care Plan by Allianz Ayudhya is a comprehensive health insurance for expats with six varying options, allowing tailored protection to fit individual needs and budgets. Maximum benefits per policy year range from THB 300,000 to THB 5,000,000 (USD $9,307 to $155,128).
Individuals between 15 days and 65 years old are eligible to apply. Those who enroll before age 60 and maintain continuous coverage may be eligible for lifetime renewal.
Plan highlights
- Flexible Plan Options: Max Care offers multiple coverage levels, allowing you to tailor protection to your needs and budget.
- Cashless Hospital Admission: With a wide hospital network, the plan allows entirely cashless admissions.
- Major Medical Treatment: Covers 80% of eligible inpatient expenses beyond basic limits, adding financial protection for costly treatments.
- Maternity Coverage Option: Available after a 280-day waiting period, including childbirth (miscarriage covered earlier).
- Eligibility for Children: Children as young as 15 days old can be included, ensuring even newborns are protected as part of the family plan.
| Description | Benefits (Baht) | |||
| Plan 2 | Plan 4 | Plan 5 | Plan 6 | |
| Policy year coverage limit | 400,000 | 600,000 | 1,000,000 | 5,000,000 |
| Inpatient room per day | 2,500 | 5,000 | 8,000 | 12,000 |
| ICU (Maximum limit of 15 days) | 5,000 | 10,000 | 16,000 | 24,000 |
| Hospital expenses | 30,000 | 50,000 | 80,000 | 200,000 |
| Home medications and medical supplies | ||||
| Surgery and other related costs | 40,000 | 70,000 | 100,000 | 250,000 |
| Cancer treatment per policy year | 400,000 | 600,000 | 1,000,000 | 5,000,000 |
| OPD treatment within 24 hours of injury | 4,000 | 7,000 | 10,000 | 25,000 |
| Additional Benefits | ||||
| Specialist consultation fees – No operation case | 3,000 | 5,000 | 8,000 | 20,000 |
| Specialist consultation fees – Operation case | 4,000 | 7,000 | 10,000 | 25,000 |
| Personal accident coverage* | 40,000 | 100,000 | 100,000 | 100,000 |
| Ambulance services | 1,000 | |||
| Outpatient Medical Treatment | Optional | |||
*50% of coverage in case of a motorcycle accident
This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
Beyond Care Plan: Premium Global Coverage
The Beyond Care Plan by Allianz Ayudhya stands out for its premium-level coverage, worldwide protection (excluding the USA), and extensive medical benefits, making it an ideal option for international executives, expats, and digital nomads who prefer coverage well above the threshold.
Individuals between 15 days and 65 years old are eligible to apply. Those who enroll before age 60 and maintain continuous coverage may be eligible for lifetime renewal.
Plan highlights
- Per-confinement Coverage: With six varying tiers, the plan lets you select protection from THB 1 million to THB 30 million (USD $31,025 to $930,767) per confinement, providing strong financial security for each significant hospitalization event or medical crisis.
- Full Coverage for Medically Necessary Expenses: Medical costs are covered in full, subject to the policy’s annual and per-event limits
- Emergency Medical Assistance: Up to USD $1,000,000 for emergency medical evacuation and repatriation
- Deductible Options: Customize your premium by selecting a deductible to lower costs, tailoring the policy to your budget and needs
- LTR Visa Compliance: Plan 3-6, with coverage exceeding THB 1.8 million (USD $50,000), offers LTR Visa-approved coverage.
| Description | Benefits (Baht) | |||
| Plan 3 | Plan 4 | Plan 5 | Plan 6 | |
| Maximum benefit per confinement | 3,000,000 | 5,000,000 | 10,000,000 | 30,000,000 |
| Inpatient room per day | 11,000 | 12,000 | 15,000 | 20,000 |
| Hospital expenses | Paid in full | |||
| Home medications and medical supplies | ||||
| Surgery and other related costs | ||||
| ICU | 22,000 | 24,000 | 30,000 | 40,000 |
| Ambulance services | 2,000 | |||
| Cancer treatment per policy year | 3,000,000 | 5,000,000 | 10,000,000 | 30,000,000 |
| OPD treatment within 24 hours of the accident | 18,000 | 20,000 | 30,000 | 50,000 |
| Additional Benefits | ||||
| Specialist consultation fees | 10,000 | 15,000 | 20,000 | |
| Annual health checkup (a visit per year) | 800 | 1,500 | 5,000 | 10,000 |
| Medical evacuation and repatriation | Up to USD $1,000,000 | |||
| Personal accident coverage | 100,000 | |||
| Outpatient Medical Treatment | Optional | |||
| Deductible options | Available | |||
This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
Flex Care Plan: Personalize Your Health Coverage
The Flex Care Plan is a flexible international health insurance solution that lets you tailor your coverage to match your lifestyle, needs, and budget. With high annual benefit limits and a wide range of customizable features, it’s ideal for expats seeking both control and comprehensive protection.
Thais and expats from newborns to 65 years of age are eligible to apply.
What you can customize:
- Area of Coverage: Choose between regional or global protection.
- Provider Access: Opt for full access or a more limited network.
- Core Plan Coverage: Annual maximum limits range from THB 15 million to THB 50 million (USD $465,383 to $1,551,277).
- Deductibles: Select the level of out-of-pocket cost that suits you.
- Optional Add-ons: Outpatient, dental, maternity, and wellness benefits.
- Payment Frequency: Flexible payment options to match your financial planning.
Plan Highlights
- Digital Convenience: Claims (inpatient and outpatient) can be submitted online via the “my health” app.
- Comprehensive Medical Underwriting: Policies are fully medically underwritten, reducing risks of future disputes, as everything is declared from the outset.
- Pre-existing Condition Coverage: The plan may provide coverage for pre-existing conditions at an additional surcharge.
- Premium Protection: Annual maximum limits range from THB 15 million to THB 50 million (USD $465,383 to $1,551,277) per policy year, providing full coverage for most inpatient treatment and procedures.
- Cashless Billing: Direct billing available within Thailand’s network of over 400 providers and in Allianz’s global network outside Thailand.
| Description | Benefits (Baht) | ||
| Plan 1 | Plan 2 | Plan 3 | |
| Maximum annual benefit | 15,000,000 | 35,000,000 | 50,000,000 |
| Hospital accommodation | 100% | ||
| Hospital expenses | |||
| Prescribed drugs and materials (inpatient treatment only) | |||
| Surgery and other related costs | |||
| ICU | |||
| Emergency inpatient dental treatment | |||
| CT and MRI scans | |||
| Cancer treatment | |||
| Outpatient surgery | |||
| Medical evacuation | |||
| Repatriation of mortal remains | 100,000 | ||
| Personal accident | 34,000 / 200,000 | ||
| Outpatient/Maternity/Dental/Well-being coverage | Optional | ||
This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
Allianz Ayudhya Health Insurance and Thailand’s Visa Requirements
For expats planning a long-term stay in Thailand, health insurance must meet the specific visa requirements for LTR, O-A, and O-X visas, with often 10 months of coverage remaining at the submission date. Allianz Ayudhya offers a variety of health insurance plans that fulfill each visa requirement.
O-A (Long Stay) Visa
- No less than THB 3,000,000 (USD $100,000) annual limit, including Covid-19 coverage
- Eligible Plans:
- Max Care Plan 6
- Beyond Care Plan 3-6
- FlexCare Plan
O-X (10-year) Visa
- No less than THB 40,000 (about USD $1,100) for outpatient treatment
- No less than THB 400,000 (about USD $11,600) for inpatient treatment
- Eligible Plans (with Outpatient Add-On):
- Basic Care Plan 2-3
- Max Care Plan 2-6
- Beyond Care Plan 1-6
- FlexCare Plan (customized to meet both IP & OP thresholds)
Note: Plans must include the outpatient coverage add-on to meet the O-X visa requirements.
LTR Visa
- At least USD $50,000 (approximately THB 1,615,950) per policy year; or
- Social security benefits insuring treatment in Thailand, or at least USD $100,000 (approximately THB 3,231,300) deposit
- Eligible Plans:
- Max Care Plan 6
- Beyond Care Plan 3-6
- FlexCare Plan
How to Choose the Best Health Insurance in Thailand
When choosing an insurance plan for your time abroad in Thailand, expats should consider several key factors, including annual or per-illness limits, network hospitals, renewability, exclusions and waiting periods, and the quality of customer service.
Allianz Ayudhya offers a range of high-quality plans, but the best fit will depend on your individual needs and circumstances.
Annual Limits VS Per-illness Limits
Some plans set a cap per policy year (e.g., THB 15 to THB 50 million/year), while others provide a maximum for each illness or hospitalization (e.g., THB 1 to THB 30 million per confinement). Take note of these differences to ensure that your coverage will align with your potential medical needs.
Network Hospitals
A broad hospital network allows insurers to offer more direct billing and cashless claim options, making access to care faster and more convenient. Allianz Ayudhya offers over 400 network hospitals around Thailand.
Renewability
Some policies may become more restrictive or costly at renewal as your age or health status changes. Allianz Ayudhya offers a lifetime renewal guarantee to applicants who purchase their plan before they are 60 years old and continuously renew the policy.
Exclusions and Waiting Periods
Carefully review what is not covered, such as mental health, pre-existing conditions, chronic illness, maternity, or outpatient treatments.
Some benefits, like maternity or wellness checks, have waiting periods before claims are allowed. Coverage for certain pre-existing conditions or chronic diseases may also have extended waiting times
Quality of Customer Service
Efficient and responsive customer service can make a significant difference, especially during claims or emergencies.
For expats who may be unfamiliar with the local language or healthcare system, it’s important to choose an insurer that offers clear communication, easy-to-access support channels, and multilingual assistance to ensure a smooth experience when it matters most.
Get a Quote & Apply for Allianz Ayudhya Expats Health Insurance
If you’re considering an Allianz Ayudhya health insurance plan for your stay in Thailand, Pacific Prime is here to support you.
As a leading insurance broker specializing in expat coverage, we offer value-added services including personalized plan comparisons, expert advice, claims support, and ongoing policy management at no extra cost.
Whether for basic protection or a plan that meets long-stay visa requirements (O-A, O-X, or LTR), our advisors can guide you through the process with ease. You can also use our free online comparison tool to explore plans from multiple providers, including Allianz Ayudhya.
Contact us today to find the ideal plan for your life in Thailand.
Are you still looking for more options? Explore what other insurers have to offer for your stay:
- AXA Thailand: Health Insurance for Expats Living in Thailand
- LUMA: Health Insurance for Expats Living in Thailand
- April International: Health Insurance for Expats Living in Thailand
- Pacific Cross: Health Insurance for Expats Living in Thailand
- Thaivivat: Health Insurance for Expats Living in Thailand
- MSIG: Travel Insurance for Travelers in Thailand
Frequently Asked Questions
What is the best health insurance for expats in Thailand?
The best health insurance for expats in Thailand is one that balances your budget with your healthcare needs. Allianz Ayudhya offers a range of high-quality plans tailored for expats, including options that meet visa requirements and provide access to top private hospitals.
What are the eligibility requirements for applying for an Allianz Ayudhya plan?
Eligibility for Allianz Ayudhya health insurance depends on the plan. Some accept applicants from 15 days old to 65 years old, while others require a minimum age of 18. Always review the specific policy terms to ensure you meet the age and health criteria.
Are pre-existing conditions covered in expat health insurance?
Depending on the insurer and the underwriting process, expat health insurance may cover pre-existing conditions. Some plans exclude them, while others offer limited coverage, apply waiting periods, or charge extra premiums. Always check the policy terms carefully.
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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