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Thailand Travel Insurance

A Quick Guide on Travel Insurance for Thailand


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    Travel Insurance for Thailand

    From verdant valleys and isolated tropical islands to glamorous coastlines and cities, Thailand is a wanderer’s dream. The southeast Asian country has become an enigma for backpackers and luxury travelers alike, not just because of the attractions but also because of its modern tourist infrastructure and safe, friendly reputation. Thailand travel will be a memorable, life-changing experience if you keep some basic tips in mind that includes buying travel insurance for Thailand.

    Some love to come here to mingle with world travelers from all over the world, converging in the cafes and shacks of the seaside destinations. There are those who enjoy the spectacular shopping experiences - Asia on a platter - like many describe the cities here. Wildlife enthusiasts and adventure junkies will also have their fill here, while those who like to soak in history and culture will never want their trip to end.

    Thailand is a sought-after travel destination in Southeast Asia with breath-taking landscapes, rich culture, and exotic cuisine. As you explore this destination, make sure you have a travel insurance Thailand plan to safeguard your trip and help you create memories. Care Health Insurance brings you a travel insurance plan that gives you the best protection during any medical or non-medical exigency. From immediate cashless hospitalization to reimbursement for loss of checked-in baggage, trip delay/cancellation, assistance in case of loss of passport, etc., we offer these benefits under travel insurance policy coverage. You can get the policy at an affordable premium to make your trip memorable.

    Is Travel Insurance for Thailand Mandatory?

    Thailand is planning to add a mandatory insurance fee for foreign visitors and tourists. The government has identified this as an important prerequisite for traveling across the country, and there are plans to set up insurance vending machines for people who land at the country’s airports. This is a welcome move as travel insurance has many benefits while also being available at a very affordable cost. Choose the best travel insurance for Thailand that will offer you the maximum coverage so that you do not suffer or miss the fun due to any exigency that may arise during your trip.

    Think of a scenario when you get afflicted by a disease while you are traveling and need some professional medical care. The doctor’s bill might just take up your entire travel budget and more - with a tiny fee, you can rest assured knowing that your vacation is safe from such unwanted expenses. International Travel insurance also protects you from losses caused by airline cancellations, loss of your own documents or luggage, and even personal liabilities. In fact, apart from this basic coverage, travelers can opt for more customized plans.

    Quick facts about Thailand



    Official Languages

    Thai (Siamese)


    Thai baht

    Country calling code


    Modes of transportation 

    Buses, Train, Tuk-tuks and Taxis

    Time difference 

    1 Hr and 30 Mins ahead of India

    International Airport

    Suvarnabhumi Airport. There are 6 other airports namely Don Mueang International Airport, Phuket International Airport, Chiangmai International Airport, Chiangrai International Airport, Hat Yai International Airport, and Samui International Airport

    Benefits of Travel Insurance for Thailand

    No matter what your travel purpose is, we've got you covered to make your journey joyous and stress-free. Summarizing below the benefits of opting for the best travel insurance for Thailand: 

    • Comfort: Having a travel insurance cover for your Asia trip will save you, especially senior citizens and students, from the stress of traveling.
    • Protection in Medical Emergency: The policy provides coverage to help you get immediate medical attention.
    • Compensation in case of Mishaps: The plan offers compensation to the nominee in case of uncertain death of the insured person.
    • Covers you in other Contingencies: Trip delays and loss of belongings and documentation will be taken care of under the travel plan. 
    • Multi-Trip Policy: If you are a frequent flyer, you can avail of the multi-trip travel policy.
    • Cashless Claim Settlement: You can apply for the cashless claim facility.
    • Region-specific Plans: Our region-specific customized international travel insurance plans help you to relish your trip and leave all your travel worries with us.

    What is Covered in Travel Insurance For Thailand?

    We offer comprehensive travel insurance policies. Below is what all we covered under Thailand travel insurance:

    • Emergency hospitalization: In case you find yourselves in a medical emergency that requires hospitalization, the travel insurance plan for Thailand will provide you complete cover encompassing IPD and OPD expenses.
    • COVID-19 Coverage: Our travel insurance plans also cover hospitalization in a foreign country due to coronavirus.
    • Accidental hospitalization: Get up to 100% sum insured in case of accidental hospitalization. We also cover Accidental Death/Permanent Total Disability.
    • Pre-existing diseases: Thailand Travel Insurance Plan will provide a sum insured for the treatment of a life-threatening condition for pre-existing diseases.
    • Treatment in home country: In case you require further treatment in your home country, there is coverage for expenses for up to 30 days or up to the policy end date, whichever is earlier.
    • Medical Evacuation: Get cover during an emergency when there is a need for medical evacuation to the home country.
    • Common Carrier Accidental Death: A lump sum amount as compensation will be paid if the insured person loses his/her life while traveling in a common carrier/ public transport.
    • Trip delay, cancellation, or interruption: You will get the compensation for the trip delayed, cancellation, or interruption up to the sum insured and subject to policy terms and conditions.
    • Loss of passport and checked-in baggage: Get coverage for loss of checked-in baggage or delay of checked-in baggage. In case of loss of passport, the plan offers a fixed amount to obtain its new or duplicate copy. In case of loss of passport, the plan offers a cover of up to USD 300/ 200 Euro with sub-limits.
    • Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of USD 1,000 under the Thailand travel insurance policy.
    Under international travel insurance, you are also eligible for personal liability cover and coverage for the return of the minor child.

    What is Not Covered in Thailand Travel Insurance Plan?

    It is beneficial to check the exclusions of the travel insurance policy. Some of the exclusions are given below:

    • Medical treatment has taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey
    • Any Treatment, which could reasonably be delay until the insured person's return to the country of residence
    • Any dental treatment or surgery unless necessitated due to an injury.
    • Circumcision unless necessary for the treatment of an illness or as may be necessitated due to an accident.
    • Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects
    • Hormone replacement therapy.
    • Weight management services and treatment, vitamins, and tonics related to weight control programs, services, and supplies, including treatment of obesity (including morbid obesity)

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

    Eligibility for Thailand Travel Insurance?

    Check the below eligibility criteria according to the plans:

    Travel Insurance Plans Eligibility Criteria 
    Explore - International Travel Insurance The minimum entry age is one day.
    The minimum entry age of a proposer is 18 years or above.
    The maximum entry age for an adult is as specified in the plan.
    Student Explore – Student Travel Insurance The minimum entry age is 12 years. 
    The maximum entry age is 40 years.

    Please refer to the prospectus for more details on eligibility. 

    Travel Insurance For Thailand - Claim Process & Procedure

    Our claim process for travel insurance Thailand policy is simple and hassle-free. Under the claim management procedure, you need to take care of two essential things:

    • Notification of Claim
    • Documents to be Submitted
    Notification of Claim
    For claim, you should notify us immediately by calling on any of our toll-free numbers with the following details:
    • Policy Number
    • Policyholder’s Name
    • Name of the Insured Person in respect of whom the claim is being made
    • Nature of illness or injury or contingency for which claim is being made
    • Date of admission to Hospital or date of loss
    • Name and address of the attending Medical Practitioner and Hospital(if applicable)
    • Any other information, documentation, or details requested by the Company or the Assistance Service Provider
    Cashless Process
    If you want to avail of a cashless hospitalization facility, take care of the below points:
    • The cashless facility is available only at the network providers for In-Patient Care 
    • For availing of the cashless facility, kindly call our customer support team
    • You need to request the cashless facility in a prescribed format
    • We may authorize your request, and after that, you do not need to pay for the hospital bills, except for the non-medical expenses.
    Reimbursement Process
    For reimbursement, you need to send us the required documents. Our claim management team examines the documents and process your claim accordingly.
    Documents to be Submitted
    You need to submit the documents for reimbursement depends on the benefit. For hospitalization expenses below documents are required:
    • Claim form(filled and signed by the insured)
    • Release of Medical Information Form
    • Original Pathological and diagnostic reports, discharge summary, indoor case papers, and a prescription issued by the treating Medical Practitioner
    • Passport and Visa copy with Entry Stamp of the Country of Visit and exit Stamp from India
    • Original bills and receipts 
    For more details, please check the sales prospectus.

    Thailand Travel Tips for your Visit

    Thailand is one of the most tourist-friendly countries in the world. They even have a separate helpline for tourists, and the infrastructure and facilities when you are on the road are comparable to many developed countries. At the same time, these Thailand travel tips are essential:

    • The best way to have fun in Thailand is with cash. Outside the malls and cosmopolitan social hubs, the real fun lies in the streets and smaller establishments tucked away from commercial centers. Do not deny yourself an authentic experience by being over-reliant on the plastic. Just like any tourist hub, there will be unscrupulous individuals trying to scam gullible travelers - ensure you are using an ATM that is not out of the way (card readers can be hidden in the equipment) and above all, keep up your guard and stick to the plan.
    • Thailand is quite tropical. This is the kind of weather that allows germs to thrive, so avoid being too experimental with the street food - go to places which have been vouched for in reviews and keep basics like insect repellant creams in the bag. And yes, this is where your travel insurance is very important.
    • Another aspect of Thailand that catches many visitors by surprise is the change in terrain. This can lead to uncomfortable situations where you land up in the central highlands with just a few trees and a sarong. Carry some cool weather clothing with you – at least one reliable piece. It is not just the mountains where Thailand gets a little nippy; they love turning up their air-conditioning here in their public transport and restaurants. Make sure you pack at least two or three pairs of shoes. A lot of attractions in Thailand require visitors to take off their shoes, so a pair of loafers or easy-to-release Crocs will be the most ideal. 
    • You would want something more sophisticated for that fancy downtown restaurant or a swanky, high-end discotheque. When in Bangkok, be free to explore their omnipresent 7/11s stores where you can pick up your beverages and other provisions at cheaper rates than the bars and restaurants.
    • No Thailand travel advice will be complete without a few words on the language and cultural differences. The Thai people are friendly; they may not all know English outside the main towns and cities so be prepared for a bit of gesturing. It will all be fine - just don’t lose your patience. Thailand is a deeply religious place, and they love their royal family. Keep these things in mind when you strike up conversations. Enjoy your parties but ensure that you empathize with the people and respect the local culture.
    • Furthermore, travelers are advised to safeguard their journey by purchasing travel insurance for Thailand from India. This is essential considering any medical and non-medical emergency that could arise during your visit and the subsequent expenses that can burn a hole in your pocket. Opt for travel insurance online for Thailand through Care Health Insurance and get the best coverage and hassle-free claim settlement.

    Things to do in Thailand

    You will need a giant tome to cover the possible experiences in Thailand in detail, so we’ll just brush over the highlights.

    History Trip

    Bangkok’s Grand Palace is a treasure trove of history. It is a great place to start your trip, for it serves as an introduction to this delightfully diverse and rich culture. The Emerald Buddha is one of the iconic landmarks here but also keep an eye on the glorious architectural nuances of the complex.

    Thailand was also a bloody stage during the Second World War, and a visit to the museum close to the famous bridge of River Kwai in Kanchanaburi will give you a throwback glimpse of the action. Exhibits here include old rail cars and vehicles that belonged to the Japanese and Allied forces.

    The Golden Triangle

    The Golden Triangle is a beautiful hinterland paradise, a landscape defined by the confluence of the Mekong and acts as the meeting point of three nations. This region has a bloody history – known as a major opium producer for generations, but it is slowly reinventing itself as a perfect spot to experience multiple southeast Asian cultures. The bazaars are a major attraction here, and you can save on precious souvenirs, which would cost much more in the boutiques and stalls of Bangkok.

    The Forests and the Mountains

    If you want an elephant experience in the deep forests of Thailand, do your research first. Wildlife is being mistreated and exploited for ‘exotic’ tourism so avoid any establishment that promises animal tricks. You would rather enjoy a relaxed afternoon with rehabilitating elephants in a rescue center. Watching elephants do elephant their own things is the best way to hang out with these gentle giants.

    Chiang Mai is the pearl of Northern Thailand, a mountainous region that is characterized by lush vegetation and some of the most exquisite traditional architecture in Asia. Expect single-digit temperatures during the height of the tourist season (the Northern Hemisphere winter months). The Wats or Buddhist temples here are the main attraction – if you are looking for a culture trip, Chiang Mai needs to be on the list. Wat Phra That Doi Suthep and Wat Chiang Mandate back to the thirteenth and fourteenth centuries, respectively. Chiang Mai is also a wonderful place to learn about Thailand’s tribal cultures, and the city is a great base for those who want to explore Doi Inthanon National Park. A favorite activity here is the visit to Doi Inthanon Mountain, the highest in the country at more than 2500 meters above sea level.

    The Beaches and the Parties

    Thailand’s beaches are refreshing - a perfect blend of clean, pristine sands and a constant buzz of culture and other attractions. Many visit the popular beach towns of Phuket and Pattaya - convenient to get to and loaded with a large array of dining, shopping, and lodging options. Koh Samui is another favored spot for recreation and some time off the grid. When you are at the beaches, you will need to go island hopping - Koh Phi Phi and Koh Phi Don are just two of many beautiful spots on the blue Andaman.

    Bangkok Delights

    Featuring some of the world’s best dining and shopping options, Bangkok is becoming a global city. Enjoy exploring its various streets from the Bohemian Khao San Street to the luxurious downtown areas. The dining options are such that you will get everything from American fast food to hidden sushi bars.

    Floating Markets and Festivals

    Do not leave Thailand without rubbing shoulders with its exuberant and hospitable locals. The floating markets are visually stunning, a riot of colors and textures on offer as you meander through the famous waterways of Ratchaburi and Samut Songkhram. The Taling Chan Weekend Floating Market offers visitors a glimpse at old-world Bangkok.

    The festivals of Thailand provide another stage for unique cultural experiences. Loi Krathong is one of the major events that happen in November, while Songkran is the Lunar New Year and happens in April.

    This list is not exhaustive because there is so much more. In Thailand, it is best to keep your mind open for new things at every turn. Let the vacation be one of many surprising and idiosyncratic experiences.

    Types of Thailand Visas

    There is an option of getting a visa on arrival for Indian passport holders in Thailand for tourism if they are staying for less than 15 days. They can obtain a visa from the Thailand Embassy or at any immigration checkpoint located at an International airport in Thailand.

    Based on the purpose of your visit, there are different types of Visas that can be availed of. They are:

    • Tourist Visa: This type of Visa is issued either for single or multiple entries. The tourist can stay in Thailand for up to a period of 60 days. It can further be extended to an additional 30 days.
    • Non-immigrant Visa: This type of Visa allows travelers to stay up to 90 days in the country. It is assigned for a single entry.
    • Non-immigrant B-Visa: This type of Visa is applicable to travelers visiting Thailand for business purposes.
    • Non-immigrant Ed-Visa: Those who are visiting the country for education or pursuing vocational courses should apply for this Visa. It will be available with the help of a recommendation letter from the authorized body.
    • Non-immigrant O-Visa: If you are planning to retire in Thailand, start work or settle in the country after marriage with a Thai national, you will need to apply for a Non-immigrant O-Visa or Marriage visa. To avail of the retirement visa, you must be above 50 years of age.
    • Permanent Resident Visa: You must avail of this type of Visa if you are residing in Thailand for 3 years in a row.

    How to Apply for Thailand Visa?

    There are two ways of applying for Thailand visa - one is by approaching the embassy (eVisa) and the other is through the online mode, as explained below:

    Through Embassy

    • Step 1: Fill the visa application form
    • Step 2: Furnish the relevant document proofs
    • Step 3: The verification of the application will be done by the concerned authority
    • Step 4: Undertake the Visa interview

    After successful verification, the visa will be issued. You will also be required to make payment of fees if required.

    Through Online Mode

    • Step 1: Visit the official website of the Thailand Embassy
    • Step 2: Fill the online application form
    • Step 3: Furnish the relevant information
    • Step 4: Make fee payment

    You will receive the document by e-mail. You will need to present your passport and avail visa on arrival for indians.

    Information on Thailand

    Before you catch your flight, we’d advise you to catch up on some basic information about the country. Thailand’s currency is the baht, and a dollar would get you around 31 of these. (1 Baht = 2.1 INR approx). Bangkok is the largest city in Thailand, and it has two international airports. The Thailand capital is well connected to all the other major hubs by road, air, and rail. Phuket and Chiang Mai also have international airports.

    If you are traveling off-season, it is going to be either very hot (March to June) or you will experience a lot of rain (July to October). That doesn’t mean that you won’t have a fun trip - the crowds will be less, things will be cheaper, the national parks are in full bloom, and summer is the time for the wonderful Thai New Year or Songkran. The main season remains the winter months between November and February.

    Embassy Information

    It is easy to get carried away in a place like Thailand, but as a foreigner traveling there, you should always respect the local laws and spend some time researching if you are not sure about something. In case there is a situation regarding the documentation or something else, the Indian government has a presence in Thailand via its embassy. Follow the best practices of exploring a foreign destination - do not ignore basic information on your home embassy and keep certain contacts stored in your phone or organizer.

    The Indian Embassy is located in Bangkok, and the current ambassador is Bhagwant Singh Bishnoi. Passport services are available at the embassy. The consular section is located in Bangkok’s Soi Sukhumvit 19.

    The following are the complete addresses of the embassy and the consular section, along with office hours and contact information.

    Indian Embassy

    Ocean Tower 2, 75/120-121, Bangkok

    Phone: (+66) 258 0300-6, Fax - (+66) 2258 4627, (+66) 2262 1740



    Consular Section

    42nd Floor [75/32-33, 20th Floor
    Soi Sukhumvit 19

    Office Hours - 09.00 am - 12.00 pm and 15.00 pm - 16.30 pm

    Contact - Same as the Embassy

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