Choosing health insurance in Thailand can be tricky, especially if you’re new to the system. We often see expats run into problems that could have been avoided with the right guidance.

Here are five common mistakes and how to steer clear of them:

1. Picking the Cheapest Plan Without Checking the Details

It’s natural to look for something affordable, but it’s important to check what you’re actually getting. Some low-cost plans set strict limits, such as a cap on room rates or daily coverage, which might leave you paying more than expected in an emergency. Always review the benefits alongside the price.

2. Skipping the Fine Print

Every health insurance policy comes with its own set of rules. It’s essential to understand things like waiting periods, exclusions, or whether outpatient cancer treatment is included. Checking these details in advance can save you a lot of trouble later on.

3. Not Disclosing Pre-Existing Conditions

Being honest about your medical history is essential. If something has been left out, your insurer could cancel the policy or deny a claim. In some cases, conditions may still be covered after a waiting period or with additional underwriting. It’s always best to be upfront and ask what’s possible.

4. Forgetting to Check Hospital Networks and Direct Billing

Many insurers work with a list of partner hospitals for direct billing. This helps you avoid paying large sums upfront. If your preferred hospital isn’t on that list, you may need to cover the bill yourself and claim it back later. Always check your insurer’s hospital network and how the billing works before you sign up.

5. Going Without Expert Advice

There are many plans available, and not all are suited to your age, visa type, or health status. A licensed broker can help you understand the options, explain terms clearly, and support you if you ever need to make a claim. Importantly, using a broker doesn’t cost more. In some cases, we can even help secure better rates.

Get Started with Confidence

At AA Insurance Brokers, our expert team takes the time to understand your situation. We compare options from leading local and international insurers, explain them in clear, simple terms — and where possible, in your preferred language — and help you choose the one that fits best. And the best part? Our support continues even after you’ve purchased your plan.