April International: Health Insurance for Expats Living in Thailand
Thailand’s warm climate, vibrant culture, and affordable lifestyle make it a top destination for expats. But when it comes to healthcare, navigating the local system can be tricky, especially with language differences, complex billing, and unfamiliar procedures.
That’s why many expats turn to April International. With years of experience supporting globally mobile individuals, April offers health insurance plans built with expats in mind, providing the right balance of protection, flexibility, and convenience.
From seamless access to top private hospitals and English-speaking assistance to customizable coverage options, April International helps you stay prepared and protected, so you can focus on enjoying life in Thailand.
Why Expats Need Health Insurance While Living in Thailand
International health insurance in Thailand gives expats access to dependable medical care without the stress of unexpected costs. While Thailand offers excellent private healthcare, especially in major cities, expenses can add up quickly. It’s also a requirement for long-stay visas like the O-A, O-X, and LTR.
There are several important reasons why expats in Thailand should consider getting covered with a trusted provider like April International. Here’s what to keep in mind:
Secure Access to Private Healthcare
Thailand’s top private hospitals are internationally accredited and offer world-class treatment. While more affordable than many Western countries, private care in Thailand can still be expensive, especially for surgeries, specialist visits, or extended inpatient stays.
April International offers modular plans with broad inpatient and outpatient coverage, plus cashless access to a wide hospital network—helping expats avoid large out-of-pocket costs.
Public Healthcare Limitations
Although Thailand’s public system is low-cost, it’s mainly designed for citizens and may be difficult for foreigners to navigate. Long queues, limited English-speaking staff, and restricted access based on your residence can cause delays or confusion.
April International’s private plans give expats faster, more personalized care with English-speaking support and access to private hospitals nationwide.
Visa Requirements
Expats applying for long-stay visas in Thailand are required to show proof of health insurance. The required coverage varies by visa type:
- O-X Visa: Minimum THB 40,000 (approx. US$1,100) for outpatient and THB 400,000 (approx. US$11,000) for inpatient treatment
- O-A Visa: At least THB 3,000,000 (approx. US$82,000) total annual coverage
- LTR Visa: Minimum THB 1.75 million (US$50,000) coverage or proof of social security/income
April International plans are built to meet or exceed these visa health insurance requirements, ensuring you remain compliant throughout your stay.
Health Risks Specific to Thailand
Adapting to Thailand’s tropical environment may come with unexpected health concerns. Expats can be exposed to illnesses like dengue fever, foodborne infections, and road traffic injuries, especially when riding motorbikes or traveling in rural areas.
With comprehensive coverage from April, you’re protected from day one with benefits that include emergency evacuation, hospital stays, and follow-up care.
Long-Term Peace of Mind
Beyond basic coverage, expats value reliable support and easy claims processing. April International offers 24/7 multilingual assistance, direct billing at over 4,500 hospitals in Asia, and a user-friendly mobile claims app, making healthcare management smooth and stress-free.
Whether you’re here short-term or settling in for good, April’s health insurance ensures you’re always covered, no matter what comes your way.
April International’s Health Insurance for Expats
April International’s MyHEALTH Thailand plan, underwritten by LMG Insurance, is designed specifically for expats. It offers local multilingual support, 24/7 TeleHEALTH, and second medical opinion services, ensuring accessible care and guidance when you need it.
Members benefit from cashless access to over 4,500 hospitals across Asia and global emergency assistance, including evacuation and repatriation—ideal for those who travel or relocate frequently.
The plan features a modular structure, with core inpatient coverage available in Essential, Extensive, or Elite tiers. Expats can customize their plan by adding outpatient, maternity, dental, or optical benefits as needed.
Coverage is also globally portable, with limited benefits outside your base region, providing peace of mind while abroad.
For flexibility, April offers both full medical underwriting (FMU) and continuity of coverage (CPME) options, making it easy for expats to join with or without pre-existing coverage.
With tailored benefits, worldwide reach, and responsive support, April International is a trusted health insurance provider for expats living in Thailand.
MyHEALTH Thailand Plan: Flexible Global Coverage for Expats
Designed specifically for expats living in Thailand, April International’s MyHEALTH Thailand plan offers comprehensive, modular health coverage with international-level benefits.
Underwritten by LMG Insurance, it combines extensive hospital access with flexible plan design, tailored underwriting, and visa compliance for long-term stays.
Whether you’re a solo expat or relocating with your family, MyHEALTH Thailand ensures you’re protected with inpatient care, emergency support, and a wide choice of optional add-ons.
Hospital & Surgery Module (Essential / Extensive / Elite)
Ideal for individuals, couples, and families, the MyHEALTH Hospital & Surgery module covers major medical needs like hospital stays, surgeries, and cancer care. It also includes private rooms, pre-/post-hospitalization benefits, and flexible deductibles to help manage premiums.
| Benefits | Essential | Extensive | Elite |
| Annual Limit | THB 10 Million | THB 32.65 Million | THB 65.5 Million |
| Private Room, ICU, Surgery |
|
|
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| Pre-hospitalization | THB 32,750 (60 Days) | THB 32,750 (60 Days) |
|
| Post-hospitalization | THB 16,375 (60 Days) | THB 32,750 (60 Days) |
|
| Kidney Dialysis | THB 163,750 | THB 1,637,500 |
|
| Organ Transplant | THB 491,250 | THB 4,912,500 | THB 8,187,500 |
| Complications of Pregnancy | – | THB 1,637,500 per pregnancy |
|
| Congenital/Neonatal Conditions | – | THB 1,637,500 lifetime |
|
| HIV/AIDS Lifetime Limit | – | THB 327,500 |
|
| Medical Check-up & Vaccinations | – | THB 3,000 | THB 6,000 |
| Emergency Evacuation & Repatriation | THB 32.75 Million | THB 32.75 Million | THB 32.75 Million |
| Daily Hospital Cash Benefit | – | THB 5,000/night (20 nights) | THB 7,000/night (20 nights) |
| Return-home Cash Benefit | – | – | Included |
| Annual Deductibles Available | All tiers offer: THB 0 / 16,375 / 32,750 / 65,500 / 163,750 / 327,500 | All tiers offer: THB 0 / 16,375 / 32,750 / 65,500 / 163,750 / 327,500 | All tiers offer: THB 0 / 16,375 / 32,750 / 65,500 / 163,750 / 327,500 |
| Eligibility | Entry ≤71, renew ≤99 for all tiers | Entry ≤71, renew ≤99 for all tiers | Entry ≤71, renew ≤99 for all tiers |
Note: In the Elite plan, a check mark indicates the benefit is fully covered or subject only to the annual limit (THB 65.5 million). No sublimits apply unless otherwise noted.
Optional Add‑Ons
| Module | Essential | Extensive | Elite |
| Outpatient (OPD) | THB 40,000 | THB 163,750 | THB 163,750 |
| Co‑insurance | Nil coinsurance | Nil / 20%; waived in network | Nil / 20%; waived in network |
| GP & Specialist Visits |
|
|
|
| Psychiatry, TCM, physiotherapy | – | Psychiatry THB 114,625; TCM, aids | Full cover |
| Vaccination & check-ups | THB 3,000 | THB 20,000 | THB 35,000 |
| Maternity | – | THB 163,750 per pregnancy | THB 491,250 per pregnancy |
| Dental & Optical | Minor dental capped | More extensive dental & lens cover | Full coverage including major treatment |
Additional Highlights
- Claim assistance: 4,500+ cashless hospitals in Asia with in-network priority treatment
- Digital convenience: Easy Claim app and 24/7 multilingual service
- Modular plans: Mix-and-match hospital tier with add-ons based on your needs
- Visa-ready: Designed to meet O‑A/O‑X/LTR visa requirements
- Underwriting options: Full medical underwriting (FMU) or continuity via CPME
- Out-of-area cover: Medical emergencies abroad up to THB 1.6375 M per trip (within 30 days)
April International’s MyTravel Short-Term Plans
Ideal for expats, digital nomads, or travelers staying in Thailand for 3–12 months, MyTravel offers two tiers—Emergency and Comfort—with immediate online enrollment and comprehensive benefits.
| Benefits | Emergency | Comfort |
| Medical Limit | Up to THB 9.2 Million | Up to THB 18.4 Million |
| Outpatient Care | Limited (e.g., emergency only) | Full outpatient included |
| Emergency Dental | Up to 15,000 THB | Up to 15,000 THB; doubled in accidents |
| Repatriation & Evacuation |
|
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| Personal Liability |
|
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| Telehealth Access | – | Covered 24/7 |
| Coverage Zones Supported | ASEAN, Europe, USA | ASEAN, Europe, USA |
| Eligibility | Ages 10–79 | Ages 10–79 |
How to Choose the Best Health Insurance in Thailand
Choosing the right international health insurance plan in Thailand isn’t just about picking the lowest premium; it’s about finding the right balance between affordability, flexibility, and peace of mind. Here are the most important factors to consider when evaluating April International’s plans:
Coverage Limits: Annual vs. Per-Condition
April’s MyHEALTH plans are structured around annual coverage limits rather than per-condition caps. The Elite plan offers up to THB 65.5 million (~ US$1.78M) per year, while Essential is better for lighter medical needs. Higher limits are ideal for those seeking long-term, comprehensive protection.
Deductibles and Cost-Sharing
All MyHEALTH tiers allow you to choose from six deductible levels—from THB 0 up to THB 327,500 (~ US$8,900). Selecting a higher deductible reduces your premium, which is useful for those who want to keep upfront costs lower while maintaining robust protection for serious illnesses.
Network Hospitals
April provides cashless access to over 4,500 hospitals across Asia, including top-tier private facilities in Thailand like Bumrungrad International, Samitivej, and Bangkok Hospital. Their Easy Claim app also simplifies claims submission and hospital directory access.
Common Exclusions
Like most insurers, April excludes coverage for pre-existing conditions (unless underwritten), cosmetic procedures, fertility treatments, and injuries from extreme sports. Always review the policy wording to know exactly what’s covered and what’s not.
Waiting Periods
Waiting periods may apply for maternity, dental, optical, and certain chronic conditions. For example, maternity coverage typically requires a 10–12 month waiting period. Planning ahead ensures you can access full benefits when needed.
Renewability and Long-Term Planning
April’s plans are renewable up to age 99, and use a community rating model, meaning your premiums won’t automatically spike after making a claim. This makes it a strong long-term option for expats intending to stay in Thailand for years to come.
Customer Support and Claims Service
April offers multilingual support and a 4.3/5 Trustpilot rating. Their Easy Claim app enables fast outpatient claims, while a 24/7 helpline gives access to TeleHEALTH and second opinions—ideal for expats needing quick, reliable medical guidance at home or abroad.
Need help comparing plans? As a leading international health insurance broker, Pacific Prime Thailand offers free personalized support—from quote comparisons to claims assistance—so you can get insured with confidence.
Get a Quote & Apply for April International Health Insurance
Thinking about April International’s health plans? Pacific Prime Thailand can help. Whether you’re solo, a couple, or a family—or need visa-compliant coverage—we’ll guide you through the process from selecting a plan to submitting your application.
Explore April’s plans and compare them with other top insurers using our free online tool. If you prefer personalized support, our advisors can guide you through underwriting options (FMU or CPME) and assist with all necessary documents for a hassle-free application.
From selecting the right tier to ensuring full compliance with visa rules, Pacific Prime Thailand makes it easy and stress-free to secure your health insurance in Thailand. Contact us today to get a free quote and professional support at no extra cost!
Looking for more choices? Explore what other leading insurers have to offer for your time in Thailand:
- AXA Thailand: Health Insurance for Expats Living in Thailand
- LUMA: Health Insurance for Expats Living in Thailand
- Allianz Ayudhya: 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
Is April International Insurance good?
April International is a good international insurance provider. The company insures 130,000 people in 180 countries and has 12 countries of operation. This insurance provider has more than thirty years of experience in the international insurance industry and offers a fully digital experience.
Can I add maternity cover?
Yes, April International offers an optional maternity add-on with coverage limits up to THB 491,250 (~USD 13,300). This provides financial support for prenatal, delivery, and postnatal care, helping expat families manage maternity expenses with peace of mind.
How are pre-existing conditions handled?
Pre-existing conditions are assessed through full medical underwriting at application or via continuation if you’re transferring from another insurance (CPME). This ensures your coverage is tailored to your medical history, providing appropriate protection without unexpected exclusions.
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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