Coverage for life-threatening PED conditions##

Thailand Travel Insurance

Secure your adventure in minutes with Thailand travel insurance that leaves the "what-ifs" behind. Get comprehensive coverage and focus on making memories, not managing mishaps.

With the Thailand insurance plan, you get:

  • 45 LAKH+ Travellers Served^^
  • 184 Crore+ Claim Amount Paid**
  • 24*7 CLAIM AND CUSTOMER SUPPORT

Trusted by People

4.1/5

Served 45 Lakh+ travellers

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Written by:
Gungun Bhatia
Gungun Bhatia
Gungun Bhatia
Insurance Expert

Gungun Bhatia is an experienced Content writer and Insurance expert with three years of experience. She focuses on delivering SEO-driven blogs, newsletters, and social media content across diverse industries. She brings clarity and creativity to complex topics, making them easier to understand so readers can feel confident in their choices. Gungun loves researching and has a knack for words, which helps her create interesting and reliable content.

Reviewed by:
Rashmi Rai
Rashmi Rai
Rashmi Rai
Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance. Apart from talking about insurance, Rashmi is an avid reader who finds it fun to explore various health and travel topics and explain it to our audience through our platform.

Travel Insurance for Thailand from India

Planning your dream gateway from India to the tropical paradise of Southeast Asia? Do not forget to keep your Thailand Travel Insurance with you. While the scenery is priceless, unexpected mishaps will still accompany. Therefore, choosing the right travel insurance plan covers medical expenses, emergency treatments, and evacuation in case of illness or injury while travelling.

At Care Health Insurance, we offer the best travel insurance for Thailand, providing much-needed financial protection for medical and non-medical emergencies abroad. From immediate cashless hospitalisation to reimbursement for medical and non-medical emergencies such as loss of checked-in baggage, trip delay/cancellation, and assistance in case of loss of passport, the policy will cover you for all.

Select from the Best International Travel Insurance Plans

  • ExploreTravel Insurance Plan for Cross-border Trips
  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad

Explore

  • Coverage for Pre-existing Diseases in Life-threatening Conditions
  • Trip Cancellation & Interruption Cover
  • Loss of Baggage Covered
  • Automatic Trip Extension in Medical Emergency
  • Cover Amount$10,000
  • Starting At₹16.23/day1

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation
  • University Insolvency
  • Cover Amount$30,000
  • Starting At₹20.40/day2

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:

Parameter Definition
Affordable Premium The Thai travel insurance from Care Health Insurance is a region-specific plan carefully designed to cover all your medical and non-medical needs within an affordable premium suitable for Thailand.
Automatic Trip Extension In case of an unfortunate demise, the occurrence of a natural calamity, or prolonged hospitalisation in a foreign country, the insurance for a Thailand trip is automatically extended for up to seven consecutive days.
Cashless Claim Processing We partner with FALCK, the world’s largest network of healthcare providers available overseas, which helps you avail cashless in-patient treatment in case of an emergency. This can be availed by simply calling us during emergencies.
All-inclusive Protection Whether you need medical attention or assistance with non-medical emergencies, such as a lost checked bag or a passport, we have your back at every step of your journey.
Useful Add-on Benefits The policy helps you customise and secure frequent and long-duration trips with optional covers like PED coverage, refund of visa fees, etc.

Why Travel Insurance is Essential for Your Thailand Trip?

While Thailand is known for its vibrant culture, travelling in a foreign country comes with risks that extend beyond just jet lag. Here is why travel insurance for a trip to Thailand is essential:

Travelling to Thailand?

Protect yourself from medical emergencies, trip delays, and unexpected expenses at just ₹20/day#

Benefits of Thailand Travel Insurance Plan

Thai travel insurance can help ensure you enjoy your international trip without worrying about unforeseen issues. Below are the benefits of having insurance for travel to Thailand in place:

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 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.

Features Explore Asia
Sum Insured US $ 10K, 25K, 50K, & 100K, 250K, & 500K (Vary according to the premium)

Trip Options

  • Single Trip
  • Multi-trip (Policy will be on an annual basis)
  • Yes
  • Yes
Entry Age (Single Trip)
  • Minimum: Child- 1Day, Adult- 18 Years
  • Maximum: Child- 24 Years, Adult- Lifelong
Entry Age (Multi-trip)
  • Minimum: Child- 1 Day, Adult- 18 years
  • Maximum: Child- 24 Years, Adult- Lifelong

Note: 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 a Thailand trip offers varying levels of coverage, so it is important to assess your needs and choose the one that best suits your requirements.

What is Covered & Not Covered under Travel Insurance for Thailand?

  • Inclusions
  • Exclusions

We at Care Insurance, offer comprehensive travel insurance policies with the following coverage and exclusions 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.

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 reimbursement for flight ticket costs (economy class) for an immediate family member if 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 daily expenses of a companion may be reimbursed under the Daily Allowance benefit, up to a specified amount, in accordance with 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 expanded our coverage to include Missed Flight Connection/Hijack Distress Allowance/Automatic Trip Extensions to help keep unnecessary stress at bay.

Drug Misuse

Any unwanted expenses incurred due to the misuse/ abuse of drugs or alcohol shall not be indemnified in the Thai travel insurance plan.

Self-inflicted Injury

Any injury caused due to a 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 from a breach of law or specific regulations of the destination country shall not be covered under 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.

Want to Know More About the Plan?

Understand coverage, benefits, and who should buy Explore.

Check Plan

Additional Coverage Under Thailand Trip Insurance

Beyond standard insurance benefits, a comprehensive Thailand travel insurance plan provides coverage for the unique risks of the "Land of Smiles." When you purchase Thailand travel insurance online, seek these improved covers to avoid unexpected out-of-pocket costs.

  1. Life-Threatening Condition due to PED: Most basic plans do not cover Pre-Existing Diseases (PED). Whereas, the best travel insurance for Thailand offers a vital safety net by paying for emergency expenses if an existing condition, such as asthma or heart problems, suddenly becomes life-threatening during your trip.
  2. Adventure Sports Cover: Thailand is known for scuba diving in Koh Tao and parasailing in Pattaya. This add-on makes sure that injuries from high-risk activities are included. Standard Thai travel insurance usually does not cover these.
  3. Refund of Visa Fee: While Thailand offers 60 days of visa-free entry for Indian travellers, an extended stay may require a prior visa application. With the refund of the visa fee benefit, you shall remain covered if the visa is rejected for no fault of your own.
  4. Emergency Hotel Accommodation: This benefit covers the standard accomodation expenses if an immediate family member is summoned in the destination country due to a medical emergency.
  5. Sports Cover: If you are travelling to participate in organised sporting events, such as a Muay Thai tournament or a golf marathon, this coverage protects your equipment and pays for injuries incurred during the event.
  6. Burglary: While you enjoy your time in Thailand, this feature protects your home in India. It offers compensation for loss or damage to your home’s contents due to a break-in while you are travelling.
  7. Outpatient Consultations Modification: Not every trip needs a hospital visit. Therefore, this option allows you to claim a premium reduction while giving up on coverage of OPD visits.
  8. Waiver of Sublimit Option: Standard policies often limit payments for room rent or doctor fees. By choosing this waiver, you ensure the insurer pays the full amount up to the sum insured, providing comprehensive travel medical insurance for Thailand.

Pro tip: You must choose the OPD Modification benefit for premium reduction only if you are travelling for very short periods. If your stay in Thailand exceeds three days, do not opt for the premium reduction, as this may expose you to paying out of pocket if you have to pay an OPD visit in Thailand.

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:

Document Purpose
Passport Valid for at least 6 months from your entry date, with two blank pages
Thailand Digital Arrival Card (TDAC) Mandatory for all travellers; complete online within 3 days before arrival
Proof of Funds Bank statements or cash showing sufficient funds
Return/Onward Ticket Confirmed flight booking out of Thailand
Accommodation Proof Confirmed hotel booking with address
Photos Two recent passport-sized photos (35mm x 45mm)
Travel Insurance While not mandatory, having travel insurance that covers medical emergencies is highly recommended.
Vaccination Records While vaccination records are no longer mandatory, having the digital copies handy is always recommended.
Original currency exchange Slips of at least USD 500 per person per week with the applicant's name.

How to Buy Travel Insurance for Thailand Online?

Buying travel insurance for your trip to Thailand is simple and can be done in just a few steps. Here's how you can purchase travel insurance for Thailand online:

How much does Thailand Travel Insurance cost from India?

The premium the insured must pay will be based on factors such as the traveller's age, the destination country, trip duration, and the coverage selected. The Thailand travel insurance offered by Care Health Insurance is budget-friendly, ensuring your medical and non-medical needs are covered without leaving a gap in your budget. Let us understand this with the help of a case study:

Case Study:

Rahul, a 24-year-old Sales Executive from New Delhi, planned a trip to Thailand. He opted for a Thai insurance plan from Care Health Insurance. Below is how the travel insurance premium was calculated for him:

Insured Member(s) Age Any Pre-existing Disease Sum Insured Policy Duration Premium Amount (approx.)
1 24 years No $ 10,000 7 Days ₹276~

Care’s travel healthcare insurance premium for the Thailand zone starts from as low as around Rs. 276* for a single traveller on a 7-day-long visit.

*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.

How Can We Help You With Claim Support?

At Care Health Insurance, we partner with Falck to help you stay covered across the globe. In the USA and Canada, we are powered by the UnitedHealth Group (UHG) in partnership with Falck to ensure an easy claim process. Our claim team here in India ensures that filing a claim is no longer a cumbersome task.

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.

  1. Nature of the Trip: Frequent fliers should opt for multi-trip plans; others should opt for single-trip travel insurance.
  2. Trip Duration: The premium is determined by the number of days spent in Thailand. The shorter the trip, the lower the premium.
  3. Medical History: While a pre-existing disease is a factor in your premium, it is always advisable to disclose your medical history to ensure coverage for life-threatening conditions.
  4. Check the Coverage: Always review the coverage under your overseas travel insurance plan to ensure you are covered when needed.
  5. 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.

Common Mistakes to Avoid While Buying Insurance for a Thailand Trip

Even the best-planned trip to Thailand can go wrong if your insurance policy has hidden gaps. To get the right travel insurance for Thailand, steer clear of these common mistakes:

  1. Choosing Based Only on Price: Opting for "low premium traps" often leads to high deductibles and low coverage limits. A cheap plan might save you ₹500 now, but could cost you ₹5 Lakhs during a medical emergency in Bangkok.
  2. Hiding Pre-Existing Diseases (PED): Not declaring conditions like diabetes or hypertension is a serious error. If an emergency occurs due to an undisclosed condition, your travel medical insurance claim for Thailand will be denied.
  3. Ignoring Adventure Sports Add-ons: Standard policies usually exclude "high-risk" activities. If you plan on scuba diving in Koh Tao, make sure your Thai travel insurance covers these activities.
  4. Waiting Until the Last Minute: Many travellers wait until they are at the airport to buy travel insurance for Thailand online. Buying early can protect you against "Trip Cancellation" if you get sick before departure.
  5. Not Checking the "Cashless" Network: Confirm that your insurer has a broad network of partner hospitals in Thailand. Without cashless travel insurance in Thailand, you might have to pay large bills upfront and wait for reimbursement.

How to Apply for a Thailand Visa from India?

To apply for a Thailand visa from India, you can use the newly implemented e-Visa system or take advantage of the current visa-free entry policies. The application process for a Thailand visa for Indians is fairly straightforward, and here's how you can go about it:

Note: All travellers must complete the Thailand Digital Arrival Card (TDAC) online within 72 hours before arrival.

Documents Required for Thailand Visa

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

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

Fast Facts about Thailand

Category Specification
Capital Bangkok
Official Languages Thai (Siamese)
Currency Thai baht
Country Code 66
Best Time to Visit November - Early April
Visa on Arrival Available

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:

Embassy Details
Emergency contact -618819152
Regular contact 02-2580300-6
Address 46, Prasarnmitr, Sukhumvit, Soi 23, Bangkok - 10110
Email cons.bangkok@mea.gov.in
Working days Monday to Friday (apart from holidays)
Working hours 09:00 to 12:00 hrs

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:

  1. Crimes against tourists are rare, but you should always stay alert.
  2. Food and drink spiking can happen, so avoid accepting drinks or food at parties or isolated events.
  3. Be aware of crimes such as bag-snatching, pickpocketing, and credit card fraud.
  4. Be cautious with the food you eat to avoid health issues like diarrhoeaa, malaria, etc.
  5. Make sure to get Thai travel insurance for a peaceful trip, that covers these risks, so you're not stuck if something goes wrong.
  6. 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:

  1. 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.
  2. In Thailand, people greet each other with a "Wai." To do this, bring your palms together and bow your head slightly.
  3. 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:

Airport City
Chiang Mai International Airport Chiang Mai and Lamphun
Suvarnabhumi Airport Greater Bangkok
Surat Thani International Airport Surat Thani
Hat Yai International Airport Hat Yai
Udon Thani International Airport Udon Thani
Phuket International Airport Phuket
U-Tapao International Airport Rayong/ Pattaya

Best Places to Visit in Thailand

Thailand has many 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:

  1. Railay Beach: One of Thailand's most famous beaches, known for its white sand and clear blue waters. You can relax, swim, try ocean rafting, snorkelling, scuba diving, kayaking, or even go rock climbing on the big limestone cliffs.
  2. 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.
  3. 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.
  4. 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.
  5. Pai: Pai, in northern Thailand, is a peaceful getaway with incredible landscapes, delicious food, and welcoming locals. It is a great place if you want something different from the beach.
  6. 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 habitat.
  7. 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:

  1. 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.
  2. 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.
  3. Underwater Activities: Explore the underwater world by scuba diving or snorkelling. You will find diving schools on most islands in Thailand.
  4. 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.
  5. 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.

International Travel Insurance for Most Visited Countries

Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.

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Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Travellers Served till Dec'25

**Number of Claim Amount Paid as of Dec'25

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $30,000) if disclosed during policy purchase.

#The premium of ₹20 per day has been calculated for an individual aged 24 yrs. For a 30-day-long trip to Thailand, with coverage of $10,000.

1. Explore: The premium is calculated for an insured individual (18) who opts for a sum insured of $10,000 for 90 days in a zone 3 city with add-ons that impact the premium reduction.

2. Student Explore: The premium is calculated for a traveller who opts for a sum insured of $30,000 for 30 days, with no pre-existing disease.