International private medical insurance for residents of Thailand and Southeast Asia from Thaivivat

Our plans are easy to understand, easy to implement, and easy to use. When you need medical care, we’ll be there to help you with your claim, ensuring that all your covered treatment costs are settled without fuss or delay.

We would be delighted to provide you with a health insurance quote. Contact us on +66 (0) 2695 0790, email elite.sales@premiumdirectbroker.com or request a quote here.

Access to emergency medical assistance

You can rely on our 24/7 medical assistance helpline for immediate help at any time. If medically necessary, we will send an air ambulance to provide swift access to the treatment you need.

Helping you look after your health

At Thaivivat, we believe that prevention is better than cure. That's why our Elite Silver and Gold plans provide an annual benefit to cover health checks, vaccinations & eye examinations. Please note that these benefits are subject to waiting periods.

Taking care of our cancer patients

Treatment of cancer is covered in full across all our health plans. We also cover genome testing of malignant tumours up to THB 192,000 per period of cover, so that treatment can be tailored to personal medical needs, plus cover for a wig and consultations with a counsellor and dietitian.

Individual health insurance

Details of coverage

Our flexible healthcare cover is designed for individuals and their families living in Thailand, who wish to secure national and/or international coverage.

  • Comprehensive cover that is portable worldwide
  • Cashless access to over 400 private healthcare providers in Southeast Asia
  • First-class multi-language claims service from Euro-Centre
  • Easy to implement cover
  • A range of benefits, areas of cover, excess and payment options to choose from
Cover Bronze Silver Gold

Maximum limit that can be claimed during any one

THB 48,000,000 THB 80,000,000 THB 160,000,000

Including follow-up (up to maximum of 90 days following discharge from hospital for with a Bronze plan).
Important note: must obtain pre-authorisation for all benefits included in this section.

Full refund Full refund Full refund

Donor's costs are not covered.

Full refund Full refund Full refund

Medical costs associated with the donor as an in-patient.

THB 800,000 per transplant THB 800,000 per transplant THB 800,000 per transplant

A surgical operation required to restore a covered person’s appearance after an accident, or after surgery for breast cancer, provided the original treatment for the accident or breast cancer surgery was covered by the policy and the surgery takes place within two years of the accident or the original breast cancer surgery.

Full refund Full refund Full refund
Full refund Full refund Full refund
THB 16,000 per device THB 32,000 per device THB 48,000 per device

Fitted immediately following in-patient or emergency ward treatment.

THB 8,000 per medical condition THB 16,000 per medical condition THB 32,000 per medical condition

For accidental injury to natural teeth (within 15 days of the accident).

Full refund Full refund Full refund

For one parent (who is a covered person) to stay with the child, who is under 18 and insured, at the hospital.

Full refund Full refund Full refund
Full refund Full refund Full refund

Payable for each night spent in a hospital when a covered person receives treatment, up to a maximum of 60 nights.

THB 1,280 per night THB 2,560 per night THB 8,000 per night

Treatment, aimed at restoring form and/or function to the state it was in immediately before suffering an acute illness or injury, received immediately following in-patient treatment in a rehabilitation hospital or unit.

A specialist’s referral letter for the rehabilitation treatment is required.

Full refund (up to 7 days per medical condition) Full refund (up to 15 days per medical condition) Full refund (up to 30 days per medical condition)

Full refund Full refund Full refund

The cost of test(s) to sequence the genes of cancer cells.

THB 192,000 per policy year THB 192,000 per policy year THB 192,000 per policy year

Cancers such as breast cancer, bowel cancer, lung cancer, bowel cancer & cancers of the blood (also known as leukaemia). The following are not covered:

  • Non-melanoma skin cancer unless it has spread to lymph nodes or organs.
  • Prostate cancer.

There is a lifetime limit of one claim per covered person.

Not Covered Not Covered THB 160,000

THB 4,800 lifetime limit THB 4,800 lifetime limit THB 4,800 lifetime limit

Treatment, excluding any prescribed drugs, received by a registered psychologist or counsellor when the covered person is first diagnosed with cancer (up to a maximum of 10 consultations).

THB 16,000 lifetime limit THB 16,000 lifetime limit THB 16,000 lifetime limit

Up to a maximum of 2 consultations.

THB 3,200 lifetime limit THB 3,200 lifetime limit THB 3,200 lifetime limit

Including all treatment & care received after the covered person has been in a persistent vegetative state for a period of eight consecutive weeks due to an illness or injury.

THB 800,000 lifetime limit THB 1,600,000 lifetime limit THB 3,200,000 lifetime limit

Kidney dialysis of up to 4 weeks if this is needed immediately before or after a kidney transplant operation covered by the policy or if this is needed temporarily for sudden kidney failure resulting from a disease or injury, covered by the policy.

Full refund Full refund Full refund

A waiting period of 24 months applies.

THB 1,600,000 life- time limit THB 2,400,000 life- time limit THB 3,200,000 life- time limit

Up to 30 days in a recognised psychiatric unit of a hospital.

Full refund Full refund Full refund

Up to a maximum of 10 consultations.

For post-hospital treatment only Full refund Full refund
For post-hospital treatment only Full refund Full refund

Full refund Full refund Full refund
For post-hospital treatment only Full refund Full refund

Includes cover for one consultation regarding the results.

Full refund Full refund Full refund

When they relate to any surgery or in-patient treatment that the company is paying for under the terms of this policy.

Full refund Full refund Full refund

For an acute condition, up to a maximum of 10 sessions. A doctor's referral letter is required if more sessions are required after the initial 10 sessions.

THB 32,000, for post-hospital treatment only Full refund Full refund

Cover is limited to the maximum number of sessions shown per policy year.

For post-hospital treatment only (10 sessions) Full refund Full refund

Hormone replacement therapy (HRT) received when the covered person is diagnosed with premature ovarian failure i.e. loss of ovarian function, before the age of 40 and where the HRT has been prescribed by a medical doctor. Treatment is only covered for a maximum of 12 months from the date of diagnosis.

Not Covered Full refund (up to 12 months from diagnosis) Full refund (up to 18 months from diagnosis)

Cover is limited to the maximum number of sessions shown opposite per policy year.

Not Covered THB 1,600 per session (15 sessions) THB 1,600 per session (20 sessions)

Monitoring and maintenance by a medical doctor only.

Not Covered Full refund Full refund

Up to 12 weeks per medical condition.

Full refund Full refund Full refund

A waiting period of 6 months applies.

Not Covered THB 9,600 per policy year THB 24,000 per policy year
Not Covered THB 4,800 per policy year THB 8,000 per policy year

Routine vaccinations and developmental check-ups. The 12 month waiting period does not apply to children born to a person covered by the Gold plan for at least 12 months, provided they are added to the same policy within the first 28 days of life.

Not Covered THB 6,400 per policy year THB 12,800 per policy year

For accidental injury to natural teeth, provided treatment is received within 72 hours of the accident. This benefit excludes cover for injuries arising from biting.

Not Covered THB 16,000 per policy year THB 32,000 per policy year

Screening twice per year (e.g. the assessment of diseased, missing & filled teeth, including x-rays where necessary) preventative scaling, polishing & sealing twice per year, fillings (standard amalgam or composite fillings only), extractions and root canal treatment. A waiting period of 6 months applies.

Not Covered Not Covered THB 48,000 per policy year

We will pay for the following advanced dental costs:

  • Denture repair
  • Full/partial dentures
  • Dental bridges
  • Crowns, inlays and onlays
  • Denntal implants

This benefit is optional on the Silver and Gold plans.

Not Covered Cover up to THB 48,000 per period of cover, subject to 20% co-insurance (if you have selected the Dental Plus option) Cover up to THB 62,000 per period of cover, subject to 20% co-insurance (if you have selected the Dental Plus option)

Virus must have been contracted after the date of entry to the plan. Cover is limited to 5 years & a waiting period of 24 months applies.

THB 160,000 for in-patient treatment only THB 2,400,000 per policy year THB 3,200,000 per policy year

Includes cover for congenital conditions whether that condition has been diagnosed as chronic or not, palliative treatment and care for a congenital condition that is diagnosed as terminal, and treatment for any related medical conditions, provided that the covered person had no signs or symptoms of the congenital condition prior to his or her date of entry, and that the congenital abnormality was diagnosed after his or her date of entry.

Cover for in-patient & post-hospital treatment, up to a lifetime limit of THB 640,000 THB 1,280,000 lifetime limit THB 2,560,000 lifetime limit

This benefit excludes all childbirth costs. A waiting period of 280 days applies.

THB 153,600 per policy year THB 480,000 per policy year Full refund

Surgeons' fees, anaesthetists' fees, theatre fees, and any necessary additional nights of accommodation. A waiting period of 280 days applies.

Not covered Not covered Full refund

A waiting period of 280 days applies.

Not covered Not covered THB 480,000 per pregnancy

Cover for the first 90 days of life. The limit shown opposite applies per pregnancy, not per child. A waiting period of 280 days applies.

Not covered THB 320,000 per pregnancy THB 3,200,000 per pregnancy

If a covered person (or any child covered by the newborn benefit within its first 90 days of life) has a life-threatening or limb-threatening condition covered by the policy, which requires immediate treatment that cannot be adequately provided locally, the assistance service will arrange for the covered person to be moved by air and/or by surface transportation, to the nearest hospital within the covered person's area of cover where appropriate medical treatment is available.

The company will pay for the reasonable and customary cost of the evacuation. Other costs, such as hotel accommodation, are not covered under this benefit. Emergency evacuation or repatriation to the USA is not covered.

The assistance service retains the absolute right to decide whether the covered person's medical condition is eligible for evacuation, where the covered person shall be evacuated to, and the means and method of the evacuation.

Full refund Full refund Full refund

The cost of an economy return airfare to the covered person's country of residence following his or her emergency evacuation.

Full refund Full refund Full refund

If it is not possible for a companion to accompany the covered person on the evacuation flight, the company will pay for the companion's economy airfare on a scheduled flight (if the companion is required to stay with the covered person while he or she receives in-patient treatment, the company will pay towards the companion's hotel accommodation).

Full refund Full refund Full refund

If your companion is staying with you while you are hospitalised following your evacuation, we will pay towards the costs of their hotel accommodation up to 15 nights.

THB 2,300 per night THB 3,000 per night THB 8,000 per night

If a close family member dies during the policy year, the company will pay for a covered person's return economy airfare to attend the funeral, provided that the travel takes place within 28 days of the death of the close family member (the waiting period for this benefit is 12 months, and there is a lifetime limit of one claim per covered person).

Full refund Full refund Full refund

The cost of repatriation of mortal remains, transported to the covered person's home country or country of residence, if he or she dies if outside his or her home country (unless a claim is made under the 'Burial or cremation' benefit).

Full refund Full refund Full refund

The cost of burial or cremation at the place where the covered person has died (unless a claim is made under the 'Repatriation of mortal remains' benefit).

THB 51,200 THB 51,200 THB 51,200

Please see the 'Personal accident benefit' section of this document (pp. 12-14) for full information of the benefit and percentage benefit payments for each type of injury.

THB 500,000 per policy year THB 500,000 per policy year THB 500,000 per policy year

Please see the 'Personal accident benefit' section of this document (pp. 12-14) for full information of the benefit and percentage benefit payments for each type of injury.

THB 250,000 per policy year THB 250,000 per policy year THB 250,000 per policy year
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You can apply up to and including age 69 and renew cover every year up to age 99.


Our international health plans are designed for individuals and families. Whether you wish to insure just yourself, a single member of or your entire family, speak to us today for a personalized quote.


Contact us on +66 (0) 2695 0790, email elite.sales@premiumdirectbroker.com or use the quote request form. To help us provide the quote you need, detail the cover you require together with the details of any dependents you wish to insure – this can be your spouse/partner and any children aged 0-17 or 18-24 if in full-time education. We will provide you with a detailed proposal which will clearly explain the benefits and costs.


We make it as easy as possible to get your Elite private health insurance plan set up, so that you and your family can start to enjoy the benefits. Fill out and return the application form to us by email or by post. Subject to approval, we will send you terms and request payment of the premium. Your cover will commence once we have received payment. Go to Documents to download the application form you need.


On our Elite Silver plan, you have the choice of adding Routine Dental Treatment or Complex Dental Treatment (waiting periods apply) covering costs up to 80% of THB 32,000 and THB 48,000 respectively. On our Elite Gold plan, you have the choice of adding Complex Dental Treatment (waiting period applies) covering costs up to 80% of THB 64,000.


We cover Thai nationals and foreign nationals living in Thailand and the Southeast Asia region.


Once we have received your first premium instalment, we will send you a welcome pack including your welcome booklet and letter, your Care Card, as well as a summary of our medical network and your table of benefits.


Our members have quick, cashless access to the best hospitals, medical facilities, and doctors in Thailand and Southeast Asia. We have direct billing arrangements with over 240 medical providers in Thailand and more than 400 throughout Southeast Asia. We recommend that you contact us on +66 (0) 2695 0790 or email elite.info@premiumdirectbroker.com so that we can advise you what medical facilities are available near to your location. You are also free to use out-of-network medical providers on a pay and claim basis, giving you even greater choice of where you take your treatment.


No, claims do not affect renewal premiums.


The international private medical insurance plans are offered in the local currency of Thai Baht.


For your convenience, we offer multiple ways to pay your premium. You can pay annually, semi-annually, quarterly or monthly by bank transfer, debit card, credit card, cash or cheque. You can save up to 5% on your premium by paying it annually.


We can arrange cover for members worldwide, on continuous medical underwriting terms, in the vast majority of countries in the world. Under our present arrangements we would not be able to offer continuous medical underwriting terms if you moved to USA, Switzerland, UAE, or some countries in Africa but we would be able to do so anywhere else in the world. These arrangements may change from time to time.


This depends on your chosen Area of Cover.


Personal accident cover up to THB 500,000 per policy year is included on our Elite Bronze, Silver and Gold health plans. We also offer insured children up to THB 250,000 personal accident cover per policy year. The personal accident benefit provides a fixed-sum benefit for bodily injury suffered as a result of an accident, which causes death, dismemberment, permanent loss of sight or disability.


Thaivivat Insurance Public Company Limited insures the corporate Elite health plans.


Thaivivat Insurance Public Company Limited is licensed and supervised by the Office of Insurance Commission (“OIC”)

71 Dindaeng Road, Samsennai, Phayathai, Bangkok 10400 Phone: 1231 Fax: 0-2695-0808