How much is health insurance in Thailand?

Four choices explain most of the difference between a 20,000 THB plan and a 200,000 THB plan.

• Your age. Premiums rise with every age band and climb faster after 50.
• Inpatient only, or inpatient plus outpatient. Adding doctor visits and tests typically adds 30 to 50% to the premium.
• The level of cover. Annual limit, room allowance and hospital network separate a basic plan from a premium one.
• The deductible. Agreeing to pay the first part of a hospital bill yourself lowers the premium noticeably.

A premium only means something next to the bill it protects you from. The simulator applies your deductible and annual limit to a typical bill and shows the two numbers that matter: what the insurer pays, and what stays with you.

It also shows when a choice backfires. An inpatient-only plan pays nothing for a simple doctor visit, and a low annual limit can leave a six-figure remainder after a heart attack treated in an international hospital.

The estimate starts from the yearly price band of the level you pick (basic 15,000 to 30,000 THB, mid-range 30,000 to 70,000 THB, premium 70,000 to 150,000 THB), applies an indicative age multiplier, adds 30 to 50% when outpatient cover is included and applies an indicative discount for the deductible. It is an orientation range, not a quote: your real price depends on the insurer, your exact age and your medical history.