From travel insurance to health insurance
Pacific Cross Health Insurance has been a trusted provider of health insurance solutions for individuals, families, and businesses in Thailand for over 65 years.
With more than 10 offices across Asia, we focus on exceptional customer service and comprehensive yet affordable coverage options.
As of 2024, we have established a strong presence in the Thai market and are the second-largest health insurance provider.
Our dedicated team strives to meet the diverse needs of our customers by offering them high-quality health insurance, including multilingual support to ensure personalized attention when medical care is needed.
Our goal is to build long-term relationships built on trust and integrity, ensuring our customers are well protected and supported throughout their life’s journey.
Do you have any questions? Don’t hesitate to contact us — we’ll be happy to help.
A personal illness or health condition that was already known before the policy was taken out.
In health and life insurance contracts, the customer’s pre-existing medical conditions are often identified before the policy is taken out and are usually only covered after a certain period of time.
In some cases, pre-existing medical conditions are not covered at all.
This means that you can receive treatment at any of the hospitals and clinics in our network in Thailand, Laos, and Cambodia (approximately 340 locations) without having to pay a bill beforehand.
The company will then bill you for the costs according to the applicable benefit levels and insurance conditions.
If the patient was not treated at a network hospital or clinic, the incurred costs will be reimbursed if the patient submits a complete set of documentation.
In this case, the incurred claims costs must be paid first, then reimbursed.
Here in Thailand and elsewhere, healthcare costs are rising at an alarming rate, and many people lack the financial means to pay serious medical bills such as cancer, heart attacks, and strokes, which can amount to millions of baht.
Health insurance offers financial protection, but the scope of benefits chosen affects the level of support provided.
In the past, most expatriates often had the option of returning to their home country for treatment in the event of a serious illness. However, this option may no longer be available due to changes in legislation by many governments.
International health insurance can provide access to top-notch hospitals abroad and allow repatriation to the home country for treatment. It also ensures coverage for unforeseeable accidents.
Health insurance is essential for peace of mind.
Accept an annual deductible, be prepared to pay medical expenses out of pocket, and exclude outpatient services.
When applying for insurance benefits, check that the costs for hospital stays and outpatient treatments are accurate.
Yes. To apply, you must provide a receipt from a registered pharmacy.
The receipt must include the pharmacy’s address, tax identification number, the pharmacist’s name and registration number, and the name and details (including the quantity) of the prescription drugs purchased.
