Thailand Travel Insurance

Features of Thailand Travel Insurance

We've got you covered to make your journey joyous and stress-free regardless of your travel purpose! Summarising below are the features of opting for the best travel insurance for a Thailand trip:

Thailand Travel Insurance Plan at a Glance

Before buying a Thailand travel insurance plan, you should always compare travel insurance from multiple providers and determine the right plan for yourself, For instance, you can analyse whether you need a standalone, student travel insurance or travel insurance for senior citizens for your trip to Thailand. Once decided on the type of plan you need, here are the major highlights of the Explore Asia plan from Care Health Insurance.

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

Types of Travel Insurance for Thailand

Each type of travel insurance for Thailand trip offers varying levels of coverage, so it is important to assess your needs and choose the one that best suits your requirements. 

• Individual Travel Insurance: This is best suited for solo travellers. The plan provides coverage for unexpected events like medical emergencies, trip cancellations, lost luggage, and accidents during the trip.
• Family Travel insurance: Family travel insurance for Thailand travel is customised for families travelling together, this plan covers all family members under one policy. It is usually more cost-effective than buying individual insurance for each family member.
• Student Travel insurance: It is designed for students travelling to Thailand for higher studies. This insurance plan provides comprehensive coverage for medical expenses, study interruption, and lost or stolen belongings.
• Senior Citizen Travel Insurance: It provides coverage for older travelers, offering protection against unexpected medical expenses, trip cancellations, lost baggage, and other emergencies.

Other Types of Travel Insurance

• Single-trip Travel Insurance: This type of insurance is meant for those travelling to Thailand for a one-time trip. The single-trip travel insurance plan covers you for emergency medical expenses during the trip, trip cancellations or delays, lost or delayed baggage, and even any personal liability during the trip.
• Multi-Trip Travel Insurance: For anyone who travels more than a few times a year, annual multi-trip insurance offers peace of mind and a simplified, cost-effective way to ensure the safety of every journey.

Benefits of Thailand Travel Insurance 

A Thai travel insurance can ensure that , you enjoy your international trip without worrying about the unforeseen! Below mentioned are the benefits of having an insurance for Thailand travel in place:

• Costly Medical Expenses: Being admitted to a hospital would probably be the last thing you would expect during your Thai trip. Not to mention the burden such medical emergencies bring. However, you would not have to worry if you have secured your trip with the right insurance for thailand travel.
• A missing passport or checked-in luggage: Losing your passport or one of your baggage during an international trip is unfortunate! The costs of retrieving the items at the airport or the local police can drain your budget. However, by buying a Thai travel insurance plan from Care Health Insurance, you can rest assured of the expenses and focus on retrieving your belongings.
• Dental Care Needs: Suppose you encounter a fall that has affected your natural sound denture during your trip to Thailand. In such a case, your Thailand travel insurance can indemnify any emergency dental treatment.
• Trip Cancellations: Any unprecedented trip cancellations can derail your budget. The non-refundable cancellations of flight tickets and other pre-bookings can leave a hole in your pocket if you do not have a travel insurance plan. However, if you have one, you do not have to worry about trip cancellations due to unforeseen situations.
• Repatriation of Mortal Remains: An unfortunate accident/demise during an international trip can be despairing!. While the emotional turmoil can not be compensated, your Thailand travel insurance can help by reimbursing your costs of cremating or carrying the mortal remains of the deceased back home.

What is Covered under Travel Insurance for Thailand?

We at Care insurance, offer comprehensive travel insurance policies with the below-mentioned coverage under Thailand travel insurance:

• Emergency Hospitalisation: If you find yourself in a medical emergency requiring hospitalisation, the travel insurance plan will provide you with complete coverage encompassing IPD and OPD expenses.
• COVID-19 Coverage: We offer COVID-19 coverage to keep you worry-free during a health emergency incurred due to an infection of the Covid-19 virus.
• Trip Delay, Cancellation, or Interruption: Any cancellations, delays, or other interruptions in the trip shall be covered under your Thailand trip insurance plan.
• Compassionate Visit: We offer a reimbursement facility for flight ticket (economic class category) costs to an immediate family member in case the insured is hospitalised in a medical emergency.
• Personal Accident: Travelling abroad can bring many uncertainties, and accidents are among them. Considering such worries, we cover accidental death/permanent total disability coverage, requiring urgent and immediate medical attention.
• Daily Allowance: The additional everyday expenses of a companion can be reimbursed under the Daily Allowance benefit for up to a specified amount as per the policy terms.
• Loss of Passport and Checked-in Baggage: You can get coverage up to the sum insured for loss of passport and checked-in baggage or delay of checked-in baggage.
• New Coverage Benefits: We have widened our horizon and offer coverage for Missed Flight Connection/Hijack Distress Allowance/Automatic Trip Extensions to keep unnecessary stress at bay.

*Refer to the policy documents for more detailed information regarding the Coverage.

What is Not Covered under Travel Insurance for Thailand?

It is beneficial to check the exclusions of the travel insurance policy, to avoid any last-minute surprises. Some of the exclusions under the Explore-Asia travel insurance for Thailand by Care Health Insurance are given below:

• Drug Misuse: Any unwanted expenses incurred due to misuse/ abuse of drugs or alcohol shall not be indemnified in the thai travel insurance plan.
• Self-inflicted Injury: Any injury caused due to suicide attempt, or any other form of harm to self, leading to hospitalisation or death shall not be covered within the plan.
• Breach of Law: Any liability or injury expenses arising due to breach of law or particular regulations set by the destination country shall not be covered in the plan.
• World War: Any medical or non-medical expenses arising from national or international war, nuclear perils, or consequences thereof.
• Hazardous Activities: Any claims relating to hazardous activities like fire stunts, road stunts, etc., that are otherwise not mentioned in the policy documents.
• Dental Treatment: Expenses of any planned dental treatment or surgery unless necessary due to acute pain.

Note: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

Documents Required While Travelling from India to Thailand 

If you're planning a trip from India to Thailand, here is a simple guide to help you prepare. Generally, Indian citizens need a valid passport, a visa (unless you're eligible for visa-free entry), and a confirmed return or onward ticket. Here’s a detailed look at what you’ll need:

• Passport Requirements: Your passport must be valid for at least six months beyond your planned stay in Thailand.
• Visa (If Required): Depending on the purpose of your trip (tourism, business, etc.), you’ll need the appropriate visa. Fill out the visa application form and submit it with the necessary documents to the Thai embassy or consulate in India. Some Indian passport holders may qualify for visa-free entry for short visits, depending on the latest regulations.
• Travel Insurance: While not mandatory, having travel insurance that covers medical emergencies is highly recommended.
• Confirmed Return/Onward Ticket: Proof of your departure from Thailand, like a return ticket or onward ticket to another destination, is often required.
• Proof of Accommodation: You might need to show hotel bookings or an invitation letter from a host, especially for visa applications.
• Passport-Sized Photos: These are usually required for your visa application and other formalities.
• Vaccination Records: While vaccination record are no more mandatory, having the digital copies handy is always recommended.

How to Buy Thailand Travel Insurance Online?

What is the Premium of Travel Insurance for Thailand?

The premium that the insured must pay will be based on various factors, including the age of the traveller, the country he/she is travelling to, trip duration, and the type of coverage selected. The Thailand travel insurance plan offered by Care Health Insurance is budget-friendly to ensure all your medical and non-medical needs are covered without leaving a hole in your pocket.

Care’s travel healthcare insurance premium for the Thailand zone starts from as low as around Rs. 363* for a single traveller on a 7-day-long visit. For instance, if you are travelling from India to Thailand on a 7 day, one-time visit, the approximate premium cost of your travel insurance with a sum insured of $50k is calculated as below:

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Check: Travel Insurance Premium Calculator for calculating the cost of your travel insurance premium.

How to File a Claim Under Travel Insurance for Thailand?

Things to Keep in Mind Before Buying Thailand Travel Insurance

When selecting travel insurance for Thailand or any southeast Asian destination of your choice, you must ensure that the plan suits your requirements. Here are the factors to be considered.

• Nature of the Trip: Frequent fliers should go for multi-trip plans; others should go for a single trip travel insurance plan.
• Trip Duration: The premium is decided based on the number of days spent in Thailand. The shorter the trip, the lower the premium.
• Medical History: While a pre-existing disease is a determining factor of your premium, it is always advised to disclose your medical history to ensure coverage amidst life-threatening conditions.
• Check the Coverage: You must always check the coverage under your overseas travel insurance plan to ensure you are covered in times of need.
• Review the Exclusions: While on a trip, you might not want to be surprised and know that your travel plan does not cover certain expenses you assumed it would. Hence, read the policy exclusion and plan your trip.

How to Apply for a Thailand Visa from India?

The application process for Thailand visa for Indians is fairly straightforward, and here's how you can go about it:

• Category: Determine the purpose of your visit to Thailand. The visa category you choose depends on whether you’re going for tourism, business, or any other reason. Make sure you select the correct category and then download the appropriate visa application form from the official website.
• Fees: Visa fees can be paid conveniently through credit/debit cards or net banking. Check the current visa fee rates on the official Thai embassy website or consulate’s page, and make the payment securely.
• Documentation: Gather all necessary documents required for the visa application. These mainly include:
  • Valid passport with at least 6 months validity.
  • A completed visa application form.
  • Recent passport-sized photographs.
• Receive visa: After submission, you’ll receive updates about your visa status in real time. Once your visa is approved, you’ll be notified, and your visa will be issued.

Documents Required for Thailand Visa 

You should possess the following documents while applying for a tourist visa for Thailand:

• Passport or travel document valid for at least 6 months.
• Form for requesting a visa (filled out).
• One (1) recent 4x6cm photo of the applicant.
• Round-trip air ticket or digital ticket (completely paidl).
• Financial evidence (20,000 baht per person/40,000 baht per family).
• Proof of hotel or private lodging.

Fast Facts about Thailand

Currency and Foreign Exchange

The currency used in Thailand is Thai Baht or THB. Below mentioned is the latest exchange rate to get an estimate:

Indian Embassy in Thailand

As an Indian travelling in Thailand, you can contact the Indian Embassy located there for emergency assistance. Here are the embassy’s details given below:

Thailand Safety and Travel Precautions

Thailand is generally a safe country for foreigners, ranked 75th out of 163 countries on the Global Peace Index, which measures safety worldwide. Still, it is a good idea to take a few precautions while you're there:

• Crimes against tourists are rare, but you should always stay alert.
• Food and drink spiking can happen, so avoid accepting drinks or food at parties or isolated events.
• Be aware of crimes like bag-snatching, pick-pocketing, and credit card fraud.
• Be cautious with food you intake to avoid health issues like diarrhea, malaria, etc.
• Make sure to get Thai travel insurance for a peaceful trip, that covers these risks, so you're not stuck if something goes wrong.
• Be cautious about drinking and smoking laws. If you're caught drinking alcohol illegally, you could face some amount of fine by the Thailand government.

Local Law And Etiquette In Thailand

In Thailand, respecting the monarchy, Buddha images, and local customs is important. Here are some of the local law and etiquette that are followed in Thailand:

• If you want to drive in Thailand, you need to be at least 21 years old. Also, unlike in India, the driver’s seat in vehicles is on the left side.
• In Thailand, people greet each other with a "Wai." To do this, bring your palms together and bow your head slightly.
• The national anthem is played in public places at 8 a.m. and 6 p.m., and everyone stops for a minute to listen. It is respectful to stand still during this time.

List of International Airports in Thailand

Thailand is very well connected through its public transport. Take a look at some of the most important international airports in Thailand below:

Best Places to Visit in Thailand

Thailand has a lot of amazing things to explore, from beautiful beaches to rich traditions. Here are some of the top places to visit and things to do in Thailand:

• Railay Beach: This is one of the most famous beaches in Thailand, known for its white sand and clear blue water. You can relax, swim, try ocean rafting, snorkeling, scuba diving, kayaking, or even go rock climbing on the big limestone cliffs.
• Koh Phi Phi: This island is a popular spot for a perfect beach vacation. It has beautiful places like Long Beach and Monkey Beach. You can also snorkel, dive, or visit the famous Maya Bay, one of the most stunning places in Thailand.
• The Grand Palace in Bangkok: The capital city, Bangkok, has many attractions, but the Grand Palace is a must-see. It is famous for its beautiful design and important historical items, especially the Temple of the Emerald Buddha.
• Sunday Walking Street, Chiang Mai: Visit the Sunday Walking Street to enjoy authentic Thai street food like pad Thai, fried bananas, and chicken satay. You can also shop for souvenirs like handmade textiles, natural soaps, essential oils, and wall hangings.
• Pai: Pai, in northern Thailand, is a peaceful getaway with amazing landscapes, delicious food, and welcoming locals. It is a great place if you want something different from the beach.
• Khao Yai National Park: This park is known for its elephants and other wildlife, including monkeys and exotic birds. It is a great place to see these animals in their natural home.
• Phuket: Thailand’s largest island is known for its spicy food, beautiful beaches, and exciting adventures. Popular spots include Patong Beach, Kata Beach, and Old Phuket Town, famous for its temples and historic buildings

Things to do in Thailand

There are multiple fun things to do in Thailand, here are some of them mentioned below:

• Full Moon Party: Experience the lively Full Moon Party on Koh Phangan, where you can enjoy exciting music, bright lights, endless cocktails, and swimming in warm waters after dancing all night.
• Massages: No visit to Thailand is complete without trying a traditional Thai massage. These massages use special techniques that help heal and refresh your body.
• Underwater Activities: Make sure to explore the underwater world by going scuba diving or snorkeling. You will find diving schools on most islands in Thailand.
• Floating Market: If you’re on a tight budget and can’t make it to Venice, don’t miss the floating markets in Thailand. They offer a similar experience with boats selling goods on the water.
• Rock Climbing: For thrill-seekers, don’t miss the chance to go rock climbing on limestone cliffs. Railay Beach in Krabi and Mae On Valley are great places for this adventure.