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International Medical Group (IMG) is a top-rated travel and health insurer with a global presence, including in Thailand. Whether you’re living in Thailand long-term or visiting for leisure, IMG offers flexible and comprehensive insurance plans designed to meet a wide range of healthcare and lifestyle needs.
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Are you considering a move to Thailand? Or maybe it’s the time for a vacation to the Land of Smiles and you’re wondering what type of insurance coverage you’ll need for your trip.
In this Pacific Prime article, we’ll detail key facts about IMG health insurance in Thailand to help you decide which insurance provider to choose. You’ll get a brief overview of IMG’s benefits and services, and we’ll explain why working with a broker to buy IMG products gives you the best perks.
IMG: Thailand International Health Insurance Provider For Expats
IMG offers both international health insurance and travel insurance plans to meet your needs for Thailand. They are favored for their customizable coverage, their high-quality customer support, their prescription drug coverage, and more.
If you’re looking for expat health insurance in Thailand, consider the IMG Global Medical Insurance plan, which offers four tiers of coverage: Bronze, Silver, Gold, and Platinum. The plans range from cheapest to most expensive, with benefits and coverage levels also increasing based on price.
IMG’s Global Medical plan is available worldwide to families and individuals ages 14 days to 74 years. US citizens must reside outside the US for at least six months each year, starting on or before their effective and renewal dates. Similar restrictions apply to non-US citizens residing in the US.
Here are the details of each IMG Global Medical insurance plan:
IMG’s Global Medical Bronze Plan
IMG’s Bronze plan offers long-term (more than one year) worldwide medical insurance for individuals and families living in Thailand. The maximum limit is USD $1,000,000, and deductible options range from USD $250 to USD $10,000.
Optional coverage includes dental and vision riders and term life insurance.
IMG’s Global Medical Bronze Plus Plan
Additionally, IMG offers a Bronze Plus plan, which features a maximum limit of USD $2,000,000. Optional coverage includes dental treatment and routine pregnancy and childbirth.
IMG’s Global Medical Silver Plan
The IMG Silver plan offers long-term (more than one year) worldwide medical insurance for individuals and families living in Thailand, with a maximum limit of USD $5,000,000 and deductible options from USD $250 to USD $10,000.
Optional coverage includes dental and vision riders and term life insurance.
IMG’s Global Medical Gold Plan
IMG’s Gold plan offers long-term (more than one year) worldwide medical insurance for individuals and families living in Thailand. The maximum limit is USD $5,000,000, and deductible options range from USD $250 to USD $25,000.
Optional coverage includes dental and vision riders, a sports rider, and term life insurance.
IMG’s Global Medical Platinum Plan
IMG’s Platinum plan is their most comprehensive long-term worldwide plan for individuals and families living in Thailand. The maximum limit is USD $8,000,000, and deductible options range from USD $100 to USD $25,000.
Optional coverage includes a terrorism rider, sports rider, and term life insurance.
IMG Travel Insurance For Travelers to Thailand
The IMG Patriot International Insurance plan offers three options to those looking for short-term health and travel insurance in Thailand: a multi-trip, lite, and platinum plan. The plans range from cheapest to most expensive, with benefits and coverage levels also increasing based on price.
Those aged 65 years and older must have their period of coverage begin within 30 days of arrival in the US unless they have proof of a previous valid international travel insurance plan.
Here are the details of each IMG Patriot International insurance plan:
IMG Travel Insurance Multi-Trip Plan
IMG offers a multi-trip plan with top medical insurance for individuals, families, and groups in Thailand. Trips can be up to 45 days, with flexibility to travel several times throughout the year. The maximum limit is USD $1,000,000, and the deductible is USD $250.
Optional coverage includes adventure sports riders.
IMG Travel Insurance Lite Plan
The IMG Lite plan covers medical expenses for unexpected illnesses and accidents, including COVID-19, in Thailand. The maximum limit ranges from USD $50,000 to USD $1,000,000, and emergency medical evacuation coverage is also provided up to USD $1,000,000.
Optional coverage includes an enhanced AD&D rider, a device protection rider, and an adventure sports rider.
IMG Travel Insurance Platinum Plan
IMG’s Platinum travel insurance plan boasts top medical coverage for unexpected illnesses and accidents, including COVID-19, in Thailand. The maximum limit is from USD $2,000,000 to USD $8,000,000, and emergency medical evacuation coverage is also provided up to the policy maximum.
Optional coverage includes an enhanced AD&D rider, device protection rider, and adventure sports rider.
Note: The Platinum plan also provides access to the Travel Intelligence App for location-specific alerts and information.
Why You Should Use A Broker Like Pacific Prime To Buy Insurance
From getting 100% impartial advice to unrivaled customer support from expat advisors like yourself, working with a broker like Pacific Prime will bring you a number of advantages.
Brokers Offer Impartial Advice
As Pacific Prime partners with many global insurers and Thailand-specific insurers, we know the ins and outs of the health insurance options on the market and are not loyal to any particular insurer. This means that we can be impartial when advising you, taking into account your needs and budget.
Brokers Provide Expat-Focused, Free Value-Added Services
Pacific Prime also offers a range of value-added services that are tailored to the needs of expats: we were founded on the mission of simplifying insurance for expats and globetrotters.
From hospital recommendations to claims assistance and beyond, we make your insurance journey simple so you can know you’re in safe hands.
Here are some of the value-added services we provide our clients:
- Easy-to-use online quotation tool: You can easily find and compare a variety of IMG health insurance plans for Thailand online using our quotation tool.
- Expat multilingual advisors: Many of our advisors are expats themselves, so they intimately understand the challenges you face and will be better positioned to help you.
- Support services: This includes hospital recommendations, form-filling help, liaising with IMG health insurance in Thailand, claims assistance, renewal support, and more.
Brokers Can Offer Competitive Premiums
Insurers often work with third parties like brokers to help them sell their products, so insurance providers can be reluctant to provide any discounts to direct clients.
This means that IMG plans that Pacific Prime offers for Thailand travelers (and elsewhere!) are priced the same as what IMG would charge their clients. On top of this, you’ll benefit from the aforementioned support services for free.
Frequently Asked Questions
Are foreigners and expats eligible for free healthcare in Thailand?
Foreigners and expats aren’t typically able to access free healthcare in Thailand using the country’s universal health program. The exception is expats working in the country who pay monthly social security contributions.
Is it beneficial to secure expat health insurance in Thailand?
It is highly beneficial for foreigners and expats to secure health insurance in Thailand. The cost of medical care in Thailand—although relatively affordable by international standards—can quickly add up if you go to the best providers, and having health insurance offers peace of mind.
Does expat health insurance in Thailand cover COVID-19?
Expat health insurance plans in Thailand generally don’t provide special coverage for COVID-19. Just like any other condition, COVID-19 is covered by either inpatient or outpatient benefits.
Is IMG a good option for expat health insurance in Thailand?
As an experienced and established insurer, IMG is a good option for expat health insurance in Thailand. IMG is also backed by highly-rated companies and received an A- rating from the Better Business Bureau.
What is the cost of expat health insurance in Thailand?
The cost of expat health insurance in Thailand is approximately USD $2,000 per year for individuals and USD $10,000 per year for families. The cost of expat health insurance differs depending on the insurer, plan, and benefits chosen.
Conclusion
With multiple plan options varying in benefits and coverage level, IMG health insurance for expats and visitors in Thailand might just have what you’re looking for.
Consider getting in touch with Pacific Prime to secure the best plan for you. With over 20 years of experience as a broker, we can help you compare your options in the market, provide you with impartial advice and a free quote*, as well as heaps of support and assistance.
Are you ready to secure IMG health insurance? You can get a free, no-obligation quote here! Alternatively, you can also learn a bit more about the health insurance landscape in Thailand before making your decision.
You can also contact us for any concerns or queries. If you’re not looking for IMG plans in Thailand, our advisors can advise on other insurers and plans including, but not limited to, AIA Thailand and Cigna Thailand.
Contact us to kickstart your insurance journey today!
With over 5 years of experience in the field, Suphanida spends the majority of her day synthesizing complex pieces of insurance-related information and translating this into easy-to-understand, engaging, and effective content across a variety of media such as articles, infographics, whitepapers, videos, and more.
Suphanida is also responsible for planning and publishing three whitepapers released annually by Pacific Prime: The State of Health Insurance Report, The Cost of Health Insurance Report, and The Global Employee Benefits Trends Report. Additionally, she handles the LinkedIn profiles of Pacific Prime’s Founder and CEO, as well as Global HR Lead.
Suphanida’s strengths lie in her strong research and analytical skills, which she has gained from her BA in Politics from the University of Warwick and Erasmus Mundus Joint MA in Journalism from Aarhus University and City, University of London.
Being of Thai-Indian origin and having lived, studied, and worked in Thailand, the UK, and Denmark, Suphanida also has a unique, multicultural perspective that helps her understand the struggles of expats and globetrotters.
Outside of work, she enjoys traveling to new places and immersing herself in different cultures.
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