• Leveraging over 20 years of experience collaborating with multinational colleagues and serving diverse international clients, I provide expert consultation to foreign nationals residing in Thailand who seek life or health insurance for themselves or their families.
• My services include advising on the selection of appropriate health insurance plans required for the application of Non-Immigrant Visa ‘O-A’ (Long Stay) or Non-Immigrant Visa ‘O-X’ (Long Stay). This guidance specifically addresses the minimum health coverage requirements, which stipulate 400,000 THB for inpatient (IPD) medical treatment and 40,000 THB for outpatient (OPD) medical treatment.

This health insurance is designed for foreigners, offering AIA’s best plan with worldwide coverage and international medical service access. 

• Eligible for individuals aged 18 – 75, renewable up to age 98, with coverage up to age 99.
• Covers both health and accident-related treatments with no need to purchase separate riders – comprehensive coverage in a single policy. 
• Includes general health check-ups, vaccinations, and genetic screening.*
• Covers both inpatient (IPD) and outpatient (OPD) treatment benefits, including dialysis, radiation therapy, chemotherapy, targeted therapy, and emergency treatment.
• Coverage amounts start at 60 million THB and go up to 120 million THB per policy year.
• Option to choose no deductible or a deductible of 100,000 THB / 300,000 THB.
• Option to select coverage area: worldwide or excluding the United States and its territories.

• Foreigners and expatriates who work or reside in Thailand.
• Foreign business owners and investors residing in Thailand.
• Foreign retirees and long-term residents in Thailand (with regular financial transactions or pension income).
• Frequent international travelers who require global protection.
• Individuals seeking innovative treatments and international medical services.
• Those requiring premium services such as Personal Medical Case Management (available in the 120-million-baht plan).

1.1 Any illnesses occurring within 30 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later or
1.2 Any of the following illnesses occurring within 120 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later such as

• Tumors, cysts or all types of cancer
• Hemorrhoid
• Varicose vein
• Hernia
• Pterygium or Cataract
• Endometriosis
• Tonsillectomy or adenoidectomy
• All types of stones.

1. Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorders, or growth development abnormalities.
2. Esthetic enhancement treatment or cosmetic surgery or any other treatments for skin beauty purposes.
3. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, addressing problems with infertility (including investigations and treatments), sterilization, and contraception.

The medical treatments that are taken place in the United States and the Minor Outlying islands, the Company will provide coverage specifically according to the conditions stipulated in the benefits table as follows:

1. Physical injuries from accidents.
2. Emergency illnesses in the United States and the Minor Outlying islands in accordance with the definitions specified in this rider.

Regarding 2 emergency cases mentioned above, the first hospitalized date in the United States and the Minor Outlying islands must fall within the first 90 days of entering the United States and the Minor Outlying islands for each trip. The Company will provide coverage for the necessary and appropriate expenses incurred from the medical treatments in accordance with the medical necessity and standards in the United States and the Minor Outlying islands.