SmartCover Guide

Common Health Insurance Mistakes Expats Make in Thailand (2025 Guide) Last updated: January 25, 2026 • Audience: Expats living in Thailand Many insurance problems expats face in Thailand are avoidable with better planning. Thailand has excellent healthcare, but many expats still struggle with health insurance. Problems usually don’t appear when buying a policy — they appear when you try to make a claim. Most claim disputes and unexpected costs are not caused by bad luck, but by common insurance mistakes expats unknowingly make . This guide highlights the most frequent health insurance mistakes expats make in Thailand and explains how you can avoid them in 2025. What’s inside this guide Mistake #1: Buying the cheapest plan only Mistake #2: Not understanding exclusions Mistake #3: Ignoring inpatient vs outpatient coverage Mistake #4: Assuming travel insurance is enough Mistake #5: Hiding ...

Does Health Insurance in Thailand Cover COVID and Dengue Fever? (2025 Guide) Last updated: January 18, 2026 • Audience: Expats living in Thailand COVID-19 and dengue fever remain key health concerns for expats in Thailand. Many expats living in Thailand still worry about infectious diseases — especially COVID-19 and dengue fever. Even after the pandemic years, questions about insurance coverage remain one of the most searched health topics. The confusion is understandable. Policies changed rapidly during COVID, and dengue fever is a uniquely regional risk that many foreigners have never dealt with before. This guide explains whether health insurance in Thailand covers COVID-19 and dengue fever , what coverage typically looks like in 2025, and how expats can avoid costly surprises. What’s inside this guide How COVID-19 coverage works in Thailand Does Thai health insurance cover dengue fever? Public vs ...

Health Insurance for Expats in Thailand with Pre-Existing Conditions (2025 Guide) Last updated: January 8, 2026 • Audience: Expats living in Thailand Having a pre-existing condition doesn’t mean expats in Thailand are uninsurable. If you have a pre-existing medical condition, buying health insurance can feel intimidating. Many expats worry about automatic rejection, extremely high premiums, or claims being denied when they need help most. The good news is that having a pre-existing condition does not automatically disqualify you from getting health insurance in Thailand. This guide explains how pre-existing conditions are treated by insurers in Thailand , what coverage options realistically exist in 2025, and how expats can improve their chances of approval. What’s inside this guide What counts as a pre-existing condition? Can expats with pre-existing conditions get insured? How insurers usually hand...

Can Expats Use Public Hospitals in Thailand Without Insurance? (2025 Guide) Last updated: January 4, 2026 • Audience: Expats living in Thailand Public hospitals in Thailand are affordable, but they come with important limitations for expats. Many expats living in Thailand ask this question sooner or later: “If healthcare is affordable here, can I just use public hospitals without health insurance?” The short answer is yes, expats can use public hospitals in Thailand without insurance . However, affordability does not always mean convenience, speed, or predictability. This guide explains how public hospitals work for expats , what they cost in 2025, the risks of relying on them without insurance, and smarter alternatives. What’s inside this guide How Thailand’s public hospital system works Can expats legally use public hospitals? Typical costs at public hospitals in Thailand Limitations expats s...

How Much Does Health Insurance Cost for Expats in Thailand? (2025 Pricing Guide) Last updated: December 28, 2025 • Audience: Expats living in Thailand Understanding real insurance costs helps expats budget smarter in Thailand. One of the first questions expats ask when moving to Thailand is simple: “How much will health insurance actually cost me?” Online quotes can be confusing. Prices vary widely depending on age, coverage level, hospital preference, and whether you choose a local Thai plan or an international policy. This 2025 pricing guide explains realistic health insurance cost ranges for expats in Thailand , what drives premiums up or down, and how to avoid paying more than you need. What’s inside this guide Typical health insurance costs for expats How age affects insurance premiums Coverage levels and their price impact Local Thai plans vs international plans: cost comparison Co...