COVID Insurance for Foreigners in Thailand


Travel Insurance to Enter Thailand

With Thailand very slowly reopening to visitors, one of the latest requirements for visitors is the mandatory COVID-19 insurance plan for foreigners that covers the traveler for a minimum of $50,000 (the Thai policies generally cover 3.5 million Thai baht). In addition to all the requirements, the traveler needs to obtain a certificate of entry (COE) and a valid visa. This health insurance is another level of security to make sure that the traveler can cover all costs in case they are diagnosed with or die from COVID-19 during their stay in the kingdom.

Thai immigration officials are notoriously fastidious when it comes to paperwork, and will only accept policies from certain providers. Luckily, a consortium of insurance providers in Thailand offers COVID-19 insurance for foreigners planning to visit Thailand which will be accepted by immigration, and these policies can be purchased easily online. Although this could be seen as another opportunity to make some easy profits for the insurers the policies are quite reasonably priced, depending on a few factors; let’s take a closer look.

Why COVID-19 Insurance Is Required?

Whilst it may seem like just yet another hassle for beleaguered foreigners wanting to enter the country, there is good reason for the government to implement this requirement. One of the main reasons is that almost all standard health and travel insurance policies will not cover the insured against pandemics, hence will not cover you for anything to do with Covid-19. And with the costs of hospital treatment and possible repatriation, especially when considering the additional quarantine requirements to do with COVID-19, the Thai government is concerned about being lumped with a huge number of unpaid hospital bills from foreigners who come down with COVID-19.

The public health ministry of Thailand has quoted a figure for unpaid hospital bills of 448 million Baht ($14.9M) for the year up to September 2019, a huge sum. And with the threat of the coronavirus, they are concerned about this and don’t want to be stuck with another huge bill right when the economy is struggling because of the effects that the virus has had on tourism and exports. In essence, the requirement to hold one of these policies is an additional layer of security for the Thai government who is already dealing with a hammered economy as a result of the outbreak and subsequent decimation of the tourism industry which provided around a fifth of the country’s GDP.

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What is the COVID-19 Coverage?

The COVID-19 insurance policy will cover the costs of isolation, quarantine, testing, and treatment, and the possible costs of repatriating your body in the unfortunate circumstance of you succumbing to the virus whilst in Thailand. It will also cover the cost of any medications prescribed to you as a result of being infected with the virus. The more comprehensive policies will also cover you for any losses incurred as a result of you catching COVID-19 such as lost travel bookings and trip cancellation or curtailment, be sure to check the small print of any policy before purchasing and, as always with insurance, don’t just opt for the cheapest policy.
Ultimately, most of these specialized insurance policies will comprise of three key components:

  • Medical coverage. As mentioned this is a comprehensive package with a cap of a minimum of $50,000, covering all treatment costs associated with being infected with the COVID-19.
  • Life insurance coverage. In an unfortunate circumstance of the insured dying from their confirmed COVID-19 infection, this covers them for a total of $50,000 which will be paid to the beneficiary stated in the policy.
  • Any additional, unforeseen out-of-pocket expenses that arise as a result of you being infected with the virus. This could include lost travel bookings, flights, or any other expenses that arise from travel disruption or curtailment because of you becoming infected with the virus.

You must ensure that you retain the certificate of insurance as this will need to be shown to prove that you have the coverage, without it, you will not be granted entry into the country. Also, it should be noted that this policy will be in addition to any general health insurance policy that you may require to obtain your visa or retirement extensions.

COVID-19 Travel Insurance Provider

Unlike the mandatory health insurance for retirees, the COVID-19 insurance may be provided by an international insurance provider or by Thailand-based insurance providers. One of the COVID-19 insurance providers is AXA Thailand. They provide Inbound Travel Insurance for those who wish to secure Travel Insurance that covers COVID-19 as required for inbound travelers.

How To Purchase COVID-19 Travel Insurance?

This insurance is required to be allowed into the country so you will be purchasing this before you travel. The easiest way to buy your policy is online from one of the above providers who will then provide you with the all-important certificate of coverage to present to the authorities when you arrive (and you will also need to present it to the airline before they will allow you onboard). It’s quick and easy to do online, and you can choose your length of policy from 30 days to one year. Be sure that the policy covers the entire period that you are planning to stay in Thailand or you may be refused entry.

You may purchase COVID-19 travel insurance within few minutes. Check the link below:

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AXA Thailand COVID-19 Travel Insurance

COVID Insurance Thailand Cost: Is It Expensive?

In a word, no, but it depends on a few factors. Although this is yet another burden and expense for foreign citizens trying to enter Thailand, it’s quite affordable. You can expect premiums to start from as little as 4,000 Thai baht for a 30-day policy. For the tourist visa or the non-immigrant visa application, the 90-day insurance coverage will cost 8,000 baht to 14,000 baht. As with all insurance policies, the premium will be determined by your circumstances, in this case, one of the most important factors is whether the country you are flying from is considered to be high or low risk for the virus.

Get your COVID-19 travel insurance within few minutes.

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Thailand COVID Insurance Requirement

The Thai Government has made it mandatory that foreign citizens entering Thailand have insurance coverage in case of medical need during their stay. The insurance coverage becomes effective immediately upon your arrival in Thailand. Several foreigners have been reported to test positive for COVID-19 during their stay at the ASQ Hotel in Thailand. The COVID-19 Insurance Thailand for Foreigners completely covers their medical costs up to 3.5 million THB. You can purchase the insurance online in minutes using the Buy Now feature below. You will immediately receive the policy by email.

Summary

The cost of treatment for COVID 19 in hospitals in Thailand ranges from 700 USD to 1,000 USD per day, depending on the hospital. There may also be additional costs of staying in the intensive care unit (ICU). For foreigners who are positive for COVID-19, the cost of treatment and other medical expenses will be covered by the travel health insurance package. It is important to make sure that your insurance for Thailand covers the whole duration of your stay. Therefore, it is essential to purchasing the best and reliable COVID 19 travel insurance for foreigners entering Thailand.

Sample COVID-19 Insurance Certificate

Covid Insurance for foreigners in Thailand

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26 Comments

  1. Joe X
    October 5, 2021
    Reply

    Hi Rex, as a Turkish citizen who is Special passport holder which is allowed for 90 days without visa by Thai government; if I only wanna stay there like 30 days, should I still buy 60 days insurance or 30 is enough? And is return/out ticket from country is mandatory? Big thank you.

    • October 5, 2021

      Dear Joe,

      Good day.
      If you have a return flight, you can buy an insurance valid from date of entry and date of exit from Thailand. Yes, exit flight is required to determine the validity of the insurance that you need. To buy the insurance, please visit http://www.siam-legal.com/axa-insurance

      Thank you.

  2. Delson
    September 12, 2021
    Reply

    Hi Rex, can I use the COE COVID-19 insurance to apply for the Tourist Visa (60days)? Are they the same? Thanks!

    • September 13, 2021

      Dear Delson,
      Good Day!
      Yes, you can use the same insurance. You just have to make sure that the insurance will cover the validity of your visa or your stay in Thailand.
      To purchase the correct insurance please go to: http://www.siam-legal.com/axa-insurance
      Thank you!

  3. Zach
    March 31, 2021
    Reply

    Dear Rex

    I am entering on a Non immigrant B visa which is valid for 1 year.

    Can I enter with 90 days insurance and renew it when I am in Thailand? Or do I have to have a 1 year insurance in order to enter Thailand?

    Thanks

    Zach

    • April 2, 2021

      Dear Zach,
      Good day.
      If your 1 year non immigrant B visa was issued by a Thai Embassy with multi entries, you are only permitted to stay for 90 days per entry correct? You can use a 90-day COVID 19 Insurance. Please check this page to purchase the insurance:
      https://www.siam-legal.com/axa-insurance
      Thank you.

    • Jacky
      July 3, 2021

      The AXA website isn’t working

    • July 3, 2021

      Dear Jacky,
      Good day.
      I checked the links on this page, the links are working.
      Thank you.

  4. Adediran Kola
    March 19, 2021
    Reply

    Thanks for awesome and timely responses to questions on this platform

    If I want to travel to Thailand from Nigeria for an holiday. What’s the procedure. Thanks

  5. Michael A
    March 18, 2021
    Reply

    Hello,
    Is it really necessary to purchase this insurance *before* submitting the “Pre-approval” COE application? This seems risky. I am from a visa-exempt country, but if my application is rejected for some other reason, I will have wasted the money spent on the premiums.

    • March 18, 2021

      Dear Michael,
      Good day.
      Yes, on the part one of the COE Application, the insurance is required. If you are going to apply for the Visa Exemption, it is very likely that it will be approved as long as your have a flight exiting Thailand within 45 days, you have an ASQ and your Insurance is valid for 60 days.
      Thank you.

  6. Fadil al-shareef
    March 8, 2021
    Reply

    Hi there
    Please contact me I need coe visa
    Thanks

  7. Leif Andersen
    February 26, 2021
    Reply

    I have sent relevant pages to COE my Insurance Certificate, clearly sets out, that it cowers 100,000 USD For Covid -19
    Just received, notification my application has been rejected, in reference to above, not sure, what to do, wont help to send Certificate again.
    Kind regards
    Leif

    • March 12, 2021

      Dear Leif,
      The only wait this insurance will be rejected is for the reason that your visa is under category O-retirement or category OA or OX visa.
      Thank you.

  8. Kulwant
    February 22, 2021
    Reply

    Hi I’m traveling from US with my 15-year daughter to Thailand. Can you please confirm if I and my daughter can be quarantined in the same room ?

  9. February 18, 2021
    Reply

    when can i come to thai;and as a vistor and a hoiladay

  10. Pieter
    February 14, 2021
    Reply

    I come on a tr visa to Thailand and want to switch to ed visa for one year. Can i get a covid insurance for 90 days, and when i switch to ed visa in thailand a insurance for 365 days?

    • March 12, 2021

      Dear Pieter,
      Yes, 60-day or 90-day COVID 19 insurance is enough for your visit to Thailand. Once you have successfully entered Thailand, if you wish to switch to ED visa, the COVID 19 insurance will not be required by the local immigration office.
      Thank you.

  11. Pieter
    February 3, 2021
    Reply

    Hello

    And what if have tr visa and change to ed visa, and stay for one year then it will be expensive?

    • March 12, 2021

      Dear Pieter,
      You only need the COVID 19 insurance for the duration of your TR visa. In that case, you only need 60-day insurance policy.
      Thank you.

  12. Os AS
    January 18, 2021
    Reply

    hi
    i am looking to have a health insurance for 60 days that cover covid 19 for visiting thailand