Insurance in Thailand is not part of the mandatory list of travel documents. When crossing Thai customs, you will not be asked to show it.
If you fly to holidays in Thailand through a travel agency, they always include Thai insurance in the package. To travel independently, you must take care of its registration by yourself. It can be arranged in advance at any insurance or travel agency.
On average The cost of insurance in Thailand for two weeks with a minimum cover of 30 thousand euros will be no more than 500 rubles. As for any exotic country, the insurance for vacation and wintering in Thailand will protect you from many troubles, caused by a change of climate, environment and diet. Especially relevant for Thailand are such plagues as injuries from riding bikes, venereal diseases and poisoning.
Which insurance firm to choose?
.
Tourists often face the question of choosing an insurance company when arranging their health insurance. You can get Russian medical insurance before departure or Thai insurance immediately after arrival in Thailand. In the second option, it costs a little more, but you can be sure that you will be reimbursed for the treatment of all insured events. Many tourists are unfamiliar with the fact that all medical issues are not the responsibility of the firm itself, but its assistant. It is worth knowing that a number of domestic insurance companies do not have medical representatives in Thailand, but continue to engage in the processing of insurance.
We should know that a number of domestic insurance companies do not have medical representatives in Thailand.
Tip! To avoid wasting your time walking around the offices to fill out an insurance policy, it is better to use the Internet, go to the website Tripinsurance.ru and get insurance in Thailand online with 5% discount. Or through the insurance policy search engine “CheriTinsurance” choose the insurance company that you trust the most.
What should you look out for when getting insurance in Thailand?- Study the contract. The first thing to do is to familiarize yourself with the terms of insurance and the list of all events to be insured. It is better to know in advance what you can count on if something happens. Perhaps in some moments of rest you will behave more carefully. For example, insurance companies sometimes do not undertake to pay for the treatment of food poisonings or sunburns.
- Franchise. It is important to learn about the availability of the deductible for insurance. It usually amounts from 100 to 200 dollars and means the amount of money you will have to pay on your own after the visit to the Thai polyclinic. If the amount of the check will be higher than the stated above, the insurance firm will cover the cost of treatment. Medical insurance in Thailand that includes a deductible is several times cheaper. Usually a doctor’s appointment in a Thai clinic costs from 50 to 200 dollars.
- Bike driving If you intend to actively use your bike, when arranging your insurance it is worth choosing the options Extreme Sports or Attleisure otherwise a fall or Bike accident in Thailand would not be considered an insured event. The insurance itself will cost you at least twice as much. In this case, the driver must be in possession of an international category A license. Russian tourists in Thailand sometimes bypass all of these conditions, saying that they were only passengers, and the driver fled from the accident scene. However, this does not always work, and the tourists are forced to pay in full for the treatment of their injuries.
- Insurance payout. In the amount of insurance, it is better to aim for a value of at least $30,000.
- Cost. The cost of travel insurance depends directly on the number of days listed on the form. Usually, the policy is valid for the period of Thai visa, but in visa-free Thailand, the insurance would be valid for a stay in the country (from 30 days), even if it is arranged for a year. The important point here will be single or multiple entries for a specific period of time.
- Insurance period. It is related to the fact of leaving the home country. If the tourist planned to visit several countries without returning to Russia, this will be counted as one trip.
The insurance period.
- Accidents. As a result of accidents, you receive money from the insurance only when you return to Russia. They vary considerably and depend on the severity of the accident. In the case of death, the full amount will be paid, and in consequence of a bruise may come out only 10% of the sum insured. Various medical expenses such insurance will not cover and will be of little help to you in Thailand.
.
- Time of validity.Check also when your health insurance begins to operate. Sometimes it happens that the policy was ordered through the Internet or arranged by the tourist’s relatives and sent by e-mail. Here the insurance company may state that the policy will only be valid if the insured person was in Russia on the date of registration.
- Alcohol. Remember that no insurance company will not pay for your treatment if the injury was caused by alcohol (varieties of alcohol in Thailand). Sometimes the wording is different and no alcohol is allowed in the insurance case, even if it was not the cause of the injury. That is, if a coconut fell on a drunk tourist from a palm tree, the insurance company may refuse to reimburse the costs of medicines and procedures, although alcohol had no influence on the situation.
- Check the data.Check the insurance assistant’s details in advance so that the same person is claimed on the forms.
- Travel notification. It is necessary to tell you about all the countries you are planning to travel to. This will prepare you as much as possible for various insurance events. After all, even neighboring countries may impose different conditions of stay in the country (availability of vaccinations).
The insurance period.
.
.