Allianz Care Health Insurance in Thailand

Allianz Care in Thailand

Allianz Care offers international coverage for expats in Thailand with a standout feature: high-deductible options that can cut premiums by up to 60%. Given Thailand's affordable healthcare, this strategy works especially well here.

As a German company with global reach, Allianz provides solid worldwide coverage that's fully portable if you relocate from Thailand.

Thai Visa Compliance

Thailand requires TGIA-approved insurance for O-A, O-X, and LTR visas. Allianz Care may meet these requirements, but verification is essential.

O-A and O-X Visa Requirements

• 400,000 THB (~$11,500) inpatient + 40,000 THB (~$1,150) outpatient, OR
• $100,000 USD / 3,000,000 THB total medical coverage
• Must be from a TGIA-approved insurer

LTR Visa Requirements

The LTR visa requires $50,000 USD minimum coverage. Allianz Care plans easily exceed this.

Network Coverage in Thailand

Allianz Care has a good network in Thailand, with direct billing at major private hospitals.

Network Strengths

• Bangkok: Coverage at top hospitals including Bumrungrad
• Major expat destinations: Network in Chiang Mai, Phuket, Pattaya
• Islands: Coverage on Koh Samui through Bangkok Hospital Samui
• Flexibility: Use any licensed provider and submit for reimbursement

Plans and Pricing

Allianz Care offers four plan tiers with significant price variation based on deductible:

Prices for worldwide coverage excluding USA. Higher deductibles reduce premiums by 40-60%.

The High-Deductible Strategy in Thailand

Allianz's deductible options go up to $5,000, which can cut premiums by 50-60%. In Thailand, this makes excellent sense:

• Doctor visit: $30-80
• Specialist: $50-150
• Lab work: $20-60
• Dental cleaning: $30-50

Many Thailand expats choose inpatient-only plans or high deductibles, paying routine care out of pocket.

Which Plan for Thailand?

• Essential: Hospital and emergency only. Pair with high deductible for minimum cost.
• Classic: Adds outpatient. Balanced choice for most expats.
• Premium: Enhanced benefits including better mental health.
• Platinum: Maximum coverage for those wanting the best.

vs Thai Insurers

How does Allianz Care compare to Thai insurers like Pacific Cross or AXA Thailand?

Choose Allianz Care If:

• You want high-deductible premium savings
• You travel outside Thailand frequently
• Worldwide portability matters
• Mental health coverage is important
• You may relocate from Thailand

Choose a Thai Insurer If:

• TGIA approval is essential (O-A/O-X visa)
• Budget is the primary concern
• You're staying in Thailand permanently
• You're over 70 (higher age limits)

See all Thailand insurance options →

Using Your Insurance in Thailand

Direct Billing

At network hospitals, show your Allianz card for cashless treatment. Major Bangkok hospitals are experienced with international insurers.

Reimbursement

For non-network providers:

1. Pay the provider (get itemized receipt)
2. Submit via MyHealth app or portal
3. Typical processing: 5 business days
4. Reimbursement to your bank account

MyHealth App

Allianz's app lets you find providers, submit claims, track status, and access your digital card.

Who Should Choose Allianz in Thailand

Common Questions

Is Allianz Care different from Allianz Ayudhya?

Yes. Allianz Ayudhya is the Thai domestic insurer (formerly Bupa/Aetna Thailand). Allianz Care is the international division. They're separate products with different coverage, networks, and pricing.

How does the high-deductible option work?

Choose a deductible ($500-$5,000) when purchasing. You pay costs up to that amount each year. After reaching your deductible, Allianz covers the rest. Higher deductible = lower premium.

What if I move from Thailand?

Your Allianz Care coverage continues unchanged. Simply update your residence. No new underwriting required.