Why You Need Personal Medical Coverage in Thailand

Rising healthcare costs and inflation

Private hospital charges are increasing faster than general inflation. Consequently, a short hospital stay or advanced imaging test can cost more than most emergency funds.

Limited employer or social security benefits

Even if you have a company plan or Social Security Office (SSO) benefits, coverage limits may leave sizable gaps for room upgrades, specialist consultations, or elective procedures. Individual health insurance fills those gaps and travels with you when you change jobs.

Growing emphasis on preventive care

Wellness screenings, vaccinations, and telemedicine services reduce long-term medical expenses. When preventive benefits are built into your policy, you stay healthier and spend less over time.

Core Benefits of Individual Health Insurance in Thailand

1. Inpatient hospitalization – pays room, board, surgery, anesthesia, and nursing care up to the selected limit.

2. Outpatient treatment – reimburses doctor visits, diagnostic tests, and prescription medication for everyday illnesses.

3. Emergency medical evacuation – funds ambulance or airlift to the nearest qualified facility when minutes matter.

4. Maternity and newborn care – provides prenatal visits, delivery costs, and neonatal treatment under selected plans.

5. Worldwide cover option – ensures protection during vacations or business trips abroad.

Optional Add-Ons for Broader Personal Health Insurance in Thailand

Because health priorities differ, Lockton Wattana can add:

• Critical illness lump-sum payouts for cancer, heart attack, or stroke diagnoses.

• Dental and vision benefits for routine cleanings, braces, eyeglasses, and contact lenses.

• Wellness and telehealth packages that include annual checkups, mental health counseling, and 24/7 video consultations.

• Accidental death and dismemberment riders to provide financial support after severe injuries.

All add-ons integrate seamlessly, eliminating confusing paperwork and hidden exclusions.

How Lockton Wattana Enhances Your Individual Health Insurance

First, our advisors assess your age, lifestyle, and existing coverage to identify true exposure. Next, we compare plan designs from leading local and global insurers, focusing on benefit limits, network quality, and claim turnaround times. After that, we negotiate competitive premiums and clear contract wording so you know exactly what is covered. Finally, we provide annual policy reviews to adjust benefits as your life changes.

Seamless Claims Support When You Need It Most

If you are hospitalized, call our helpline. A dedicated advocate confirms benefits with the hospital, coordinates direct billing, and tracks claim progress so you avoid upfront payments. For outpatient refunds, simply submit receipts through our mobile app and receive reimbursement directly to your bank account.