{{company}} Health Insurance Thailand Dhipaya Health Insurance Thailand

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Main Points of Dhipaya Health Insurance Thailand


Get Peace of Mind with Direct Billing Health Insurance - No More Reimbursements or Hassles!

Installment Plans

Pay your premiums in installment up to 10 months with a Thai Credit-Cardwith no extra fees.

Online 24/7

Compare plans and purchase your policies online with us anytime and anywhere you want. Our website is there 24/7!

No need to purchase life insurance

Comprehensive health policies - no need to purchase life insurance as a bundle.

Suitable Plans

We have selected the best plans with the best prices for you to compare and choose from.

Fast and Easy

Fast Simple and Easy. Compare and find the best plans for youself within minutes. Super simple!

Claims Procedure

Cashless Claims(No advance payment)

You do not need to pay anything when it comes to cashless claims. Usually, if you have a medical card and you are in one of the insurance company's hospital network list you just have to show your card. If your card is not accepted or the company requires further investigation, then you would have to pay first and get reimbursed.

Reimbursement Claims

Reimbursement claims can happen when the insurance companies need to investigate further in your claims. To be able to claim for reimbursement, please do the followings :

  1. Gather all important documents, Insurance companies are very strict and they do need original documents and not photo copies.
    • Original Medical Certificate (Translated in English or Thai) - must contain chief complaint, diagnosis and treatment.
    • Original receipts.
    • Thai Bank Account Information - Photocopy of the first page of your bank book. If you do not have a Thai Bank Account, you can authorize a transfer to a trusted person or receive payment by cheque.
    • You can send your files directly to the insurance company or you can send them to your broker they will handle the the process and follow up for your claim.
    • Wait a few business days, usually takes 15 business days or less to settle depending on what insurance company.
    • Insurance company will send you an email or notification regarding your claim and the details of the bank transfer.

    In the end, it would be better to go to the hospitals that are in the insurance company's network list, as the hospital will start the cashless claiming procedure right away and you will not need to pay anything in advance.

Coverage of Health Insurance

There are many options to Health Insurance, most individuals would just get insurance for emergencies so they only require Inpatient option. Cover for doctor’s visits and procedures done that don’t require you to be admitted would be considered Outpatient. There are also things you add and remove like coverage for Dental and Vision. If you wish to lower the cost of your Health Premium, other’s put on a deductible or excess.

IPD / Inpatient Cover

Coverage for hospitalization purposes, meaning that you are admitted and required to stay overnight or a couple of days due to doctor’s recommendation.

OPD / Outpatient Cover

Coverage for doctor’s visits and outpatient procedures that do not require you to stay in the hospital for observation. This includes prescribed medications and lab exams that doctors prescribe.

Vision Cover

Coverage for Vision related concerns, this coverage includes prescribed eyeglasses or contacts or any exam or checkup related to your vision.

Dental Cover

Coverage for Dental related concerns, this coverage includes normal procedures, cleaning, fillings etc. This however does not cover anything related to cosmetic procedures. If you are looking for only dental insurance, please check the coverage and price here : Dental Insurance Thailand

Deductible / Excess

Helps lower the cost of your premium, a specified amount of money that the insured must pay before the insurance company will pay a claim.

Maternity Cover

Other insurance policies include Maternity cover, plans in Thailand do not have the option to take this out, it usually comes with the plan as a bonus or the plan is a much higher plan so it includes maternity coverage.

*Maternity coverage usually has a 10-month waiting period or 1 year, depending on what insurance company you decide to go with.

No claim bonus

Most but not all insurance companies offer a no claim bonus, should you have no claims for the year, some insurance companies give a 10% reward discount to clients so their premiums will be less.

To find the best plans for yourself, you must always compare between available plans and options and also take a look at the terms and conditions from both of the insurance companies and the OIC thoroughly.

Steps in Applying for health Insurance

Buying health insurance in Thailand is simple & easy

To apply for health insurance, we will need the documents from you as below (This applies to every insurance companies) :

  1. Apply via our website or contact our Customer Service Representative for Application form.
  2. Submit Copy of Passport with Verified Signature.
  3. Wait for Offer Letter.
  4. Accept Offer Letter.
  5. Pay the Invoice Premium
  6. You’re Covered.
  7. Original Policy and Card will be delivered to your specified address in 7-10 business days by Registered EMS.

*Some insurance companies require Work Permit and Visa Stamp. Others only require Application form and Passport Copy with Verified Signature.

You can send addtional documents to us by LINE Chat with us or by Email [email protected]

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