Pacific Cross: Health Insurance for Expats Living in Thailand
Despite Thailand’s excellent and affordable healthcare, navigating it as a foreigner isn’t always easy. Pacific Cross offers a solution to this with their expat-focused plans: Premier Plus, Maxima Plus, and Ultima Plus, designed for flexible, visa-compliant coverage and peace of mind.
As a long-standing, expat-friendly insurer in Thailand and across Asia, Pacific Cross specializes in providing comprehensive and flexible health insurance solutions catered to the needs of international citizens.
With English-speaking customer support, transparent claims processes, and access to a wide network of trusted hospitals and clinics, Pacific Cross gives expats the confidence and coverage they need to enjoy life in Thailand worry-free.
Why Health Insurance is Essential for Expats Living in Thailand
Thailand’s reputation as a medical tourism hub is well-earned, with high-quality healthcare offered at a fraction of Western prices. Modern hospitals, skilled doctors, and a wide range of medical services make it an attractive medical destination for both visitors and long-term residents.
But while the system works seamlessly for Thai citizens, expats can find themselves navigating a more complex world. First of all, foreigners are not covered by Thailand’s universal healthcare program, meaning expenses at private hospitals can add up quickly—especially in emergencies.
This makes health insurance in Thailand not just a smart choice, but an essential one for expats. These policies are designed to cover the essentials, from hospitalization and outpatient care to emergency evacuation and English-speaking support, giving access to priority care without financial strain.
What’s more, many expats staying in Thailand on long-stay visas, such as the O-A and O-X Non-Immigrant Visas, are legally required to have local health insurance with the minimum coverage of 400,000 THB (around 12,400 USD) for inpatient care and 40,000 THB (1,240 USD) for outpatient care per year.
Having a comprehensive health insurance plan ensures that you can seek treatment at private hospitals of your choice, avoid long queues, and communicate easily with providers. After all, it’s not just about medical bills; it’s about peace of mind and the freedom to enjoy your life in Thailand.
Pacific Cross Health Insurance Plans for Expats Living in Thailand
Pacific Cross Health Insurance, part of the Pacific Cross Insurance Group, is a leading health insurance provider operating since 1949. With over 75 years of experience in the region, Pacific Cross has built a strong reputation among expats and travelers across Southeast Asia.
Today, it covers individuals from more than 90 nationalities and offers access to a network of over 5,500 hospitals and clinics, making it one of the most trusted names in health and travel insurance in Thailand.
For expats living in Thailand, Pacific Cross offers three highly recommended plans that provide the greatest coverage and meet Thailand’s long-stay visa requirements: the Premier Plus Plan, Maxima Plus Plan, and Ultima Plus Plan.
Pacific Cross Premier Plus Plan: Perfect for Expats on a Budget
Although it’s more affordable than the other two plans, the Premier Plus Plan does not compromise on quality. This plan offers generous coverage limits and full payment for a wide range of medical services. Here are the key features of Pacific Cross’s Premier Plus Plan:
| Benefits | Maximum Coverage (THB) |
| Maximum benefit amount for inpatient per Confinement | 3,000,000 |
| IPD room and board, including nursing and service charges | 6,000 per day |
| ICU room and board | 12,000 per day |
| Medical Expenses per Confinement | 300,000 |
| Doctor’s Fees per Confinement | Paid in full |
| Surgical Treatment (Surgery) and Procedure Fees per Confinement | Paid in full |
| Outpatient (OPD) (GP, Clinic, Specialists, Drugs) | 3,000 per visit per day, up to 30 visits per year |
| Emergency OPD Treatment within 24 Hours of Accident | Paid in full |
| Caesarean Section | 60,000 |
| Dental Treatment (pays up to 80% with 20% co-payment) | 15,000 (optional) |
| Eye Examination, Visual Measurement, and General Vision Check
(pays up to 80% with 20% co-payment) |
3,500 (optional) |
| Worldwide Emergency Assistance and Emergency Medical Evacuation | Fully Indemnified (worldwide evacuation) |
Pacific Cross’s Premier Plus Plan offers exceptional coverage across key healthcare needs for expats in Thailand, including full payment for doctor’s fees, surgeries, and emergency outpatient visits.
It also includes relatively uncommon benefits for this tier, such as optional dental and optical coverage (up to 80%), lifetime inpatient psychiatric treatment of up to 100,000 THB, and chiropractic treatments for up to 5 visits per year.
This plan is well-suited for expats seeking affordable, reliable protection or those securing Thailand’s O-A or O-X visa insurance requirements. For even broader coverage, consider upgrading to their Maxima Plus or Ultima Plus plans.
Pacific Cross Maxima Plus & Ultima Plus Plans: for Top Protection in Thailand.
As their names suggest, the Maxima Plus and the Ultima Plus Plans from Pacific Cross offer the most comprehensive protection available for expats in Thailand. Below is a breakdown of the key coverage differences between the two plans:
| Benefits (THB) | Maxima Plus | Ultima Plus |
| Maximum Benefit Amount for Inpatient Per Confinement | 10,000,000 | 50,000,000 |
| IPD Room and Board, Including Nursing and Service Charges | 10,000 per day | 18,000 per day |
| ICU Room and Board | Paid in full | Paid in full |
| Medical Expenses per Confinement | Paid in full | Paid in full |
| Doctor’s Fees per Confinement | Paid in full | Paid in full |
| Surgical Treatment (Surgery) and Procedure Fees per Confinement | Paid in full | Paid in full |
| Treatment of Chronic Renal Failure by Hemodialysis through Vascular Access per Policy Year | 1,500,000 | 3,000,000 |
| Psychiatric Treatment as an Inpatient (per admission) | 75,000
(300,000 lifetime) |
200,000
(400,000 lifetime) |
| Outpatient (OPD) (GP, Clinic, Specialists, Drugs) | Paid in full | Paid in full |
| Emergency OPD Treatment within 24 Hours of Accident | Paid in full | Paid in full |
| Caesarean Section | 120,000 | 200,000 |
| Dental Treatment (pays up to 80% with 20% co-payment) | 20,000 (optional) | 80,000 |
| Eye Examination, Visual Measurement, and General Vision Check
(pays up to 80% with 20% co-payment) |
20,000 | 20,000 |
| Worldwide Emergency Assistance and Emergency Medical Evacuation | Fully Indemnified (worldwide evacuation) | Fully Indemnified (worldwide evacuation) |
Pacific Cross’s Maxima Plus and Ultima Plus plans offer best-in-class protection for expats and retirees, fully covering OPD visits, ICU room and board, surgeries, and other medical expenses of hospital stays.
They also provide high annual coverage for chronic kidney failure treatment via hemodialysis (1.5M and 3M THB, respectively) and full coverage for cancer treatment through radiotherapy or nuclear medicine.
Both the Maxima Plus and Ultima Plus plans go far beyond the Thai government’s minimum coverage requirements for long-term visa holders and deliver exceptional value with some of the most comprehensive benefit selections available in the market.
Remarks:
- The applicant must reside in Thailand for at least 6 months over a 12-month period.
- This table only shows a summary of coverage for each insurance period. Definitions of key terms can be found in the policy’s terms and conditions.
For more information, please don’t hesitate to reach out to one of our experts for a personalized plan selection and detailed quote.
How to Choose the Best Health Insurance in Thailand
Choosing the right health insurance plan in Thailand as an expat involves more than just looking at the monthly premium. To truly protect your health and finances, you need to consider the full scope of benefits, limitations, and support services.
Coverage Limits: Annual and Per-Illness
When comparing health plans, pay close attention to whether coverage limits are calculated annually or per illness. Annual limits refer to the total amount the insurer will reimburse over a policy year, while per-illness (or per-confinement) limits cap how much can be claimed per condition.
If you anticipate regular hospital visits or want complete peace of mind for major treatments, a plan with a higher maximum benefit limit per confinement, like Pacific Cross’s Maxima Plus or Ultima Plus, can offer broader protection.
Network Hospitals
A strong hospital network ensures you receive quality care when you need it most. Pacific Cross gives you access to over 450 hospitals and clinics across Thailand, many of which are private, international medical centers familiar with expat needs, such as Bangkok Hospital or Bamrungrad Hospital.
Understand Common Exclusions
All insurance plans come with exclusions, and it’s important to be aware of them before signing up. Common exclusions include pre-existing conditions, elective cosmetic procedures, certain mental health services, and injuries from high-risk activities.
Our advisor at Pacific Prime can help you with going over the terms and conditions to help you understand exactly what’s covered and what’s not, so there are no surprises when you file a claim.
Waiting Periods
Some benefits, such as maternity care, chronic illness treatment, or dental coverage, may come with waiting periods. Make sure to review these timelines before enrolling so you can plan your care accordingly.
Renewability and Long-Term Planning
If you’re planning to retire or stay in Thailand for the long term, you’ll want a plan with guaranteed renewability. Pacific Cross offers long-term coverage options, with some plans allowing renewal up to advanced ages or even for life, provided you meet initial enrollment requirements.
Customer Support & Claims Process
Reliable, English-speaking customer service is essential, especially in a country where language barriers can complicate healthcare access. Insurers that provide straightforward guidance and a hassle-free claims process significantly enhance your experience and peace of mind.
That’s where insurance brokers like Pacific Prime come in. We go beyond what traditional providers offer by delivering free, value-added services such as expert plan comparisons, personalized recommendations, and hands-on claims support—so you’re never walking the insurance journey alone.
Get a Quote & Apply for Pacific Cross Expats Health Insurance
Are you ready to secure your health coverage in Thailand? Pacific Prime is here to make the process simple and stress-free. Whether you’re looking for essential protection or a plan that meets long-stay visa requirements, our team can help you apply for an insurance plan tailored to your needs.
Use our free online comparison tool to browse and evaluate plans from multiple providers, or speak directly with one of our expert advisors for a personalized quote at no extra cost. From selecting the right policy to completing your application, we’ll guide you through every single step!
Want more options? Check out what other insurers offer for your stay 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
- April International: 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 Pacific Cross health insurance accepted at private hospitals in Thailand?
Pacific Cross has a large and well-established network of over 450 hospitals and clinics across Thailand. Many of these are internationally accredited and offer direct billing, making it easy for expats to receive treatment without paying upfront.
Does Pacific Cross health insurance meet Thailand’s long-stay visa requirements?
The majority of their plans, including the Premier Plus, Maxima Plus, and Ultima Plus, exceed the minimum requirements for Thailand’s long-stay visas, which include coverage of at least 400,000 THB (12,400 USD) for inpatient and 40,000 THB (1,240 USD) for outpatient care per year.
Does my Pacific Cross health insurance plan cover additional benefits like dental, vision, or maternity?
Pacific Cross offers optional add-ons for dental, optical, and maternity coverage. These can be customized based on your personal health needs and budget, making it easy to create a plan that best fits your lifestyle in Thailand.
With his keen interest in journalism, especially in the healthcare and wellness field, Tawan joins Pacific Prime with the goal of creating content that simplifies health insurance solutions, helping people make informed choices and choose the best options for their needs. Tawan firmly believes that words have power that can shape the world for the better.
In his free time, Tawan loves to pick up his Nintendo Switch and wield his Master Sword in Hyrule’s dungeons. He is also an avid sci-fi books/shows enjoyer. You can spot him hanging around bookstores and game shops all day long!
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