{"id":157,"date":"2017-08-21T16:41:53","date_gmt":"2017-08-21T09:41:53","guid":{"rendered":"https:\/\/www.pacificprime.co.th\/blog\/?p=157"},"modified":"2018-02-08T14:48:16","modified_gmt":"2018-02-08T07:48:16","slug":"international-insurance-costs-2017","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/","title":{"rendered":"What\u2019s driving international insurance costs in Thailand?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Having previously discussed the outline of the recently released <\/span><em><span style=\"font-weight: 400;\">Cost of International Health Insurance &#8211; 2017<\/span><\/em><span style=\"font-weight: 400;\"> report (read it <a href=\"https:\/\/www.pacificprime.co.th\/blog\/2017\/07\/31\/cost-health-insurance-thailand\/\" target=\"_blank\" rel=\"noopener\">here<\/a>), Pacific Prime Thailand thought it might be useful to discuss what exactly might be driving international insurance costs in both Thailand and abroad. The report identifies four global drivers that it believes is impacting premiums around the world, while another Pacific Prime report, the <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Interna<\/span><span style=\"font-weight: 400;\">tional<\/span><i><span style=\"font-weight: 400;\"> Private Medical Insurance Inflation &#8211; 2017<\/span><\/i><\/a><span style=\"font-weight: 400;\"> study provides some more local context. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019d like to read more of either report, check out the download links at the end of this article.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-5' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=general\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-414\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2024\/07\/Blog-Banner_Thailand_3.jpg\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">International insurance costs in Thailand<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">According to the <\/span><i><span style=\"font-weight: 400;\">Cost of International Health Insurance &#8211; 2017<\/span><\/i><span style=\"font-weight: 400;\"> report, the average cost of health insurance in Thailand is USD 8,724. As the report itself takes it figures from a number of different plans targeting particular demographics, the following numbers indicate what certain types of consumers might pay for international insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Individual plans: USD 4,366<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Couples: USD 8,449<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Family plans: USD 12,486<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Retirees: USD 9,597<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Comparing international insurance costs in Thailand with those of its regional neighbours, the report finds that the country is consistently in the top 5 most expensive locations in all demographics. Overall, the <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Top 5 Most Expensive<\/span><\/a><span style=\"font-weight: 400;\"> Locations for International Medical Insurance in Asia are:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hong Kong<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Singapore<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">China<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vietnam<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Thailand<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">There are both international and local factors underpinning Thailand\u2019s premium costs. Understanding what\u2019s driving these prices can be a huge help when it comes to making the right decision for your healthcare and insurance needs. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Global factors influencing insurance premiums<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Using reports from companies like <\/span><a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/global\/Documents\/Life-Sciences-Health-Care\/gx-lshc-2016-health-care-outlook.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Deloitte<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"http:\/\/www.ey.com\/Publication\/vwLUAssets\/EY-asiapac-insurance-outlook-2016\/$FILE\/EY-asiapac-insurance-outlook-2016.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">EY<\/span><\/a><span style=\"font-weight: 400;\"> and the World Bank\u2019s <\/span><a href=\"https:\/\/www.ifc.org\/wps\/wcm\/connect\/7e545964-f833-4452-8e6c-3ab41d7e0787\/HealthNewsLetter_Issue2_FINAL.pdf?MOD=AJPERES\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">International Finance Corporation<\/span><\/a><span style=\"font-weight: 400;\">, Pacific Prime has identified a number of drivers that it believes is shaping the costs of international insurance everywhere. While there are no doubt varied levels of how these might affect specific countries, as well as locally derived factors that also influence international insurance costs, these four global drivers are things impacting the price of insurance in Thailand: <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Increased demand for quality private healthcare<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Demand has always been a strong driver of prices around the world, however the interesting development highlighted in this year\u2019s <\/span><i><span style=\"font-weight: 400;\">Cost of International Health Insurance &#8211; 2017<\/span><\/i><span style=\"font-weight: 400;\"> report is that it\u2019s beginning to influence emerging insurance markets too. The reason for increased demand is generally due to two things; an increased lifespan and an increasingly wealthier population. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">People who live longer are more likely to suffer age-related illnesses and, therefore, need better access and quality medical treatment as they get older. People who have the means to pay for top-of-the-line insurance will do so; securing your health is important to many people the longer they live. Deloitte expects that the expansion in private wealth to a growing 540 million high-income households worldwide should see a driving up of private spending on healthcare. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Increased cost of healthcare<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The simple logic with this driver is that the more an insurer pays for a medical treatment, the higher premiums are likely to be. Virtually all of the Top 20 Most Expensive Locations for International Medical Insurance saw their premiums increase from 2016 to 2017. Deloitte again expects that major regions will see healthcare spending increases from 2.4% to 7.5% between 2015 and 2020. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Increased regulation<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Our insurance industry is also one that is becoming more and more regulated; either through self-regulation or via government authorities. Some regulations, such as the Dubai shift to make health insurance mandatory for every person in the Emirate, can have an upward driving effect on international insurance costs. According to EY, regulators around the world are developing more complex rules to protect consumers and reduce market risks. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Continuing challenges related to fraud<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The serious and continuing problem of fraud also adds to the cost consumers can expect to pay when it comes to insurance. Every fraudulent dollar spent by insurers contributes to an increase in medical costs and insurance premiums. In 2016, the <\/span><a href=\"https:\/\/www.theatlantic.com\/news\/archive\/2016\/06\/healthcare-fraud-takedown\/488306\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">US Justice Department<\/span><\/a><span style=\"font-weight: 400;\"> reported charging over 300 medical professionals with fraud, totalling USD 900 million in fraudulent money being received. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">These losses can be recovered by insurers, but sometimes it is done so at a significant cost. The more consumers and medical staff game the system, however, the more likely people will see an increase in their premiums in the future. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Local factors influencing insurance premiums<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In Thailand specifically, there are a number of drivers that influence international insurance costs at a local level. While the <\/span><i><span style=\"font-weight: 400;\">Cost of International Health Insurance &#8211; 2017<\/span><\/i><span style=\"font-weight: 400;\"> report provides great cost comparison data, the <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">International Private Medical Inflation &#8211; 2017<\/span><\/i><\/a><span style=\"font-weight: 400;\"> report outlines some key factors facing insurance consumers in Thailand:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Insurers grouping Thailand with other \u201clow cost\u201d Asian markets<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">According to the report, the rate of insurance premium inflation between years has been slowing. The truth is, though, that premiums are still rising &#8211; they\u2019re just not rising as quickly as many other places. Pacific Prime believes that one of the reasons for this is because insurers have been consolidating markets of similar types and applying a blanket premium increase across them all. This includes having identical inflation figures to countries like the Philippines. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cost complaints and government regulations<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In line with the international driver, local Thai regulations have been driven by consumer cost complaints and government moves to make pharmaceutical pricing more transparent. The result is that Thailand, even with a healthcare system less expensive than in countries like Japan and Hong Kong, has seen added upward pressure put on the cost of the health services it provides. Premiums have therefore been adjusted to match this. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">ASEAN AEC developments<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Economic challenges are also an impact on the cost of health insurance in a country. Thailand, in particular, has had to face tougher competition in many of its key industries from neighbouring countries Cambodia, Laos, and Vietnam. A weakening economy can see governments struggle to deliver on regulatory developments and healthcare infrastructure projects, meaning that demand can often outpace the supply of healthcare resources. This, in turn, makes international insurance costs more expensive. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Getting the right insurance solutions for Thailand<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When it comes to purchasing the <\/span><i><span style=\"font-weight: 400;\">right<\/span><\/i><span style=\"font-weight: 400;\"> insurance for you and your situation, the best thing you can do is engage the services of an experienced insurance broker. <\/span><a href=\"http:\/\/www.pacificprime.co.th\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Thailand<\/span><\/a><span style=\"font-weight: 400;\"> believes that you can get a better deal, a comprehensive plan, and a clearer understanding of your insurance policy simply by using a broker who puts your needs first above anyone else\u2019s. In Thailand, you have a range of insurance sources to choose from. The best are those with an in-depth understanding of the industry and market. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Download the reports today!<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you would like to read your own, free copy of the reports discussed in this article, follow the links here:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.pacificprime.co.th\/blog\/2017\/07\/31\/cost-health-insurance-thailand\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">Cost of International Health Insurance &#8211; 2017<\/span><\/i><\/a><\/li>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">International Private Medical Inflation &#8211; 2017<\/span><\/i><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Downloading them is free and a great way to ensure you\u2019re well prepared before you commit to an international insurance plan. <\/span><\/p>\n<p>Do you have any more questions? If so, <a href=\"https:\/\/www.pacificprime.co.th\/contact-us\" target=\"_blank\" rel=\"noopener\">get in touch<\/a> with our team of experts today.<\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-417\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/05\/PPTH_Gen_01.jpg\" alt=\"Get a Quote CTA Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Having previously discussed the outline of the recently released Cost of International Health Insurance &#8211; 2017 report (read it here), Pacific Prime Thailand thought it might be useful to discuss what exactly might be driving international insurance costs in both Thailand and abroad. The report identifies four global drivers that it believes is impacting premiums &#8230;<\/p>\n","protected":false},"author":3,"featured_media":158,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[10],"tags":[175,433,19,18,434,187,190,126,186,162,111,188,189],"class_list":["post-157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","tag-2017-cost-of-health-insurance-report","tag-ban_gen","tag-cost-of-health-insurance","tag-cost-of-health-insurance-in-thailand","tag-cta_gen","tag-insurance-reports","tag-insurance-resources","tag-international-insurance","tag-international-insurance-costs","tag-international-insurance-thailand","tag-international-private-medical-insurance","tag-pacific-prime-reports","tag-pacific-prime-resources"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>International insurance costs in Thailand: what&#039;s driving them? - Pacific Prime<\/title>\n<meta name=\"description\" content=\"The new Cost of International Health Insurance 2017 report has been released and it shows how Thailand&#039;s international insurance costs are tracking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"International insurance costs in Thailand: what&#039;s driving them? - Pacific Prime\" \/>\n<meta property=\"og:description\" content=\"The new Cost of International Health Insurance 2017 report has been released and it shows how Thailand&#039;s international insurance costs are tracking.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Thailand&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-21T09:41:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-02-08T07:48:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2017\/08\/20170821_PPTH_COHI2banner.jpg?fit=600%2C300&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"luther\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"luther\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"International insurance costs in Thailand: what's driving them? - Pacific Prime","description":"The new Cost of International Health Insurance 2017 report has been released and it shows how Thailand's international insurance costs are tracking.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/","og_locale":"en_US","og_type":"article","og_title":"International insurance costs in Thailand: what's driving them? - Pacific Prime","og_description":"The new Cost of International Health Insurance 2017 report has been released and it shows how Thailand's international insurance costs are tracking.","og_url":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/","og_site_name":"Pacific Prime Thailand&#039;s Blog","article_published_time":"2017-08-21T09:41:53+00:00","article_modified_time":"2018-02-08T07:48:16+00:00","og_image":[{"width":600,"height":300,"url":"https:\/\/i2.wp.com\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2017\/08\/20170821_PPTH_COHI2banner.jpg?fit=600%2C300&ssl=1","type":"image\/jpeg"}],"author":"luther","twitter_card":"summary_large_image","twitter_misc":{"Written by":"luther","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/#article","isPartOf":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/"},"author":{"name":"luther","@id":"https:\/\/www.pacificprime.co.th\/blog\/#\/schema\/person\/179910a5f4c74ef11f854063e4669fa6"},"headline":"What\u2019s driving international insurance costs in Thailand?","datePublished":"2017-08-21T09:41:53+00:00","dateModified":"2018-02-08T07:48:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/"},"wordCount":1167,"image":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2017\/08\/20170821_PPTH_COHI2banner.jpg","keywords":["2017 cost of health insurance report","Ban_gen","Cost of health insurance","Cost of health insurance in Thailand","CTA_gen","insurance reports","insurance resources","international insurance","international insurance costs","international insurance thailand","international private medical insurance","pacific prime reports","pacific prime resources"],"articleSection":["Expat Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/","url":"https:\/\/www.pacificprime.co.th\/blog\/international-insurance-costs-2017\/","name":"International insurance costs in Thailand: what's driving them? 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