Insurance: What Do We Accept?

Because of insurance company policies, there is a difference in the way we handle international insurance and local (Thai and expat) insurance.

Click on your category below to see insurance information:

• International Visitors: These are patients living in their country of birth, or expats without insurance supporting intentional medical travel.
• Thai: Thais living in Thailand with Thai insurance - other Thais would be "International Visitors".
• Expat: These are expats living in Thailand.
• Expat, Non-Thailand: These are expats living in other countries, with insurance plans that support intentional medical travel.
• Package Procedures: Using insurance and Bumrungrad Packages.

International Visitors (Intentional, Accidental, Complication Insurance)

International visitors are looking for insurance coverage which can fit into 3 categories:

• "Intentional" Medical Travel Procedures: Traveling for the explicit purpose of doing a procedure overseas
• "Accidental" Medical Travel Coverage: While on travel,  you have an accident and need medical coverage
• Complication Insurance: Insurance in case of a complication resulting from a procedure

"Intentional" Medical Travel Patients

There are almost no known insurance companies that support "intentional international medical travel".  This has nothing to do with Bumrungrad International policies – this is entirely the choice of the insurance companies.  In theory, Bumrungrad can support any insurance, as the patient needs to pay first and be reimbursed by the insurance company after the procedure.  So the question is not if we accept the insurance, it is if the insurance company will reimburse you for the procedure.  This is an important distinction to understand.

“Accidental” Medical Travel Coverage

Many medical insurance policies support “accidental” medical treatment.  For example, if you come to Thailand for business or holiday and have an accident while in the country, many policies will cover your treatment at Bumrungrad International.  Please check with your insurance company for additional details before you travel. 

As with the intentional medical travel coverage, this has nothing to do with Bumrungrad International policy – you need to check with your insurance company for additional details. 

For accidental medical coverage, if your insurance company works with a medical assistance company that we have a contract with (e.g. International SOS, Mondial, etc.) then we can most likely work through them for direct billing.

You can see a list of the :

• Insurance companies we have direct billing contracts with
• Medical assistance companies we have contracts with

Complication Insurance

This is insurance which will cover you in case of an unknown or unexpected complication which happens from an intentional procedure, elective or otherwise.  For example, if you are normal and healthy and choose to have a plastic surgery procedure done, if there complications because of the surgery, you may be able to purchase (before the procedure is done) insurance which can handle this.  However, as another example, if you have diabetes and have an elective surgery performed, and there are complications from the surgery but due to diabetes, the insurance will most likely not cover the cost of the complications.

There are two companies we have worked with in the past for complication insurance.  These can be seen at:

https://www.bumrungrad.com/en/medical-travel-guides/patient-finance-insurance-information

Local: Thai, Expat and non-Thailand Expat

Direct Billing: Direct billing is when we charge the insurance company directly for the cost of your procedure.  Many (not all) of the insurance companies we have contracts with will allow us to do direct billing.  Otherwise, you will need to pay for the procedure first (usually with a deposit), and be reimbursed by your insurance company later. In addition, there may be differences in your plan depending on if you are having an Outpatient or Inpatient procedures.

You can see a list of companies we have direct billing contracts with:

• International insurance companies
• Thailand insurance companies
• Assistance companies

However, please note you must contact your insurance company to determine if your benefits will allow for direct billing, and for what types of procedures.

Reimbursed Billing: For Thai and expat patients, many plans require you to pay first, and be reimbursed later.

Reimbursed billing will be the majority of billing methods for any insurance company we do not have a contract with.

Packages

Please note that procedure packages (e.g. Colonoscopy, CABG) are only available to self-pay patients.

These packages are not available with insurance coverage.

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