Medical & Health Cover (IPD / OPD)

Private healthcare in Thailand is world-class — and it isn't cheap. Medical inflation runs well above general inflation, and a single serious admission at a premium hospital can run into the hundreds of thousands of baht. Good health cover means you choose the hospital, not the price tag.

IPD vs OPD — what's the difference?

• IPD (In-Patient Department) — covers you when you're admitted overnight: surgery, intensive care, hospital room, and treatment. This is the cover that protects you from the truly large bills.
• OPD (Out-Patient Department) — covers day visits: doctor consultations, prescriptions, minor procedures, no overnight stay. Optional, but valuable if you see doctors often.

A strong plan pairs a high IPD ceiling with the right OPD add-on for your lifestyle.

Cover at the hospitals you'd actually choose

The plans I arrange give you access to Thailand's leading private hospitals:

• Bumrungrad International
• Samitivej
• Bangkok Hospital group

…with cashless admission where available, so you focus on recovery, not on settling the bill at the counter.

What to look for in a health plan

1. A high annual limit — enough to cover a major surgery and ICU stay.
2. Room & board that matches your hospital of choice — so you're not topping up the difference.
3. Renewable for life — cover that won't drop you when you need it most.
4. Sensible OPD — only if your usage justifies the premium.

Medical cover is the one policy people are most relieved to have at claim time. Let's make sure yours is built for the hospital you'd actually walk into.