April Insurance Thailand

April MyHealth in Asia plans are available to expats and locals who reside in Thailand, up to age 65.

More than most insurers allow, the April MyHealth in Asia Thailand plans can be tailored to meet individual needs.

All private insurance plans will cover you for illnesses and injuries that require overnight hospitalization for treatment (inpatient cover). Most also offer optional coverage for routine outpatient, maternity or dental expenses.

The types of inpatient expenses covered are fairly standard across the industry, including room and board, surgeries and treatment, hospitalization, emergency evacuation. There is more variability among the optional coverages; typically, greater benefits will trigger higher premiums.

Policies are managed on an annual basis: you pay premiums for a year of coverage and the insurer pays for your eligible expenses up to an annual limit.

April MyHealth in Asia policies offer excellent mix-and-match policies.

• Inpatient only limits: 3,275,000 to 65,500,000 TBH
• Outpatient limits: 40,000 TBH to the Inpatient limit
• Maternity limits: 163,750 to 491,250 TBH
• Dental limits: 22,925 TBH

April MyHealth Thailand plans offer 3 coverage areas:

• Southeast Asia and Europe (excluding Singapore)
• Worldwide (excluding USA)
• Worldwide

Outside this area, you are covered for unforeseen emergencies and illnesses up to ฿1,637,500, so long as your trip away from your residence country doesn’t exceed 30 days.

It’s important to understand that private health insurance is a for-profit business. People with pre-existing medical conditions represent a risk to profitability, since they are far more likely to make claims than people who are entirely healthy, which affects the bottom line. Insurers manage this risk in a number of ways.

Most insurers use medical underwriting to assess a potential customer’s risk based on medical history. Then they decide whether to:

• Exclude certain conditions from the coverage of a policy
• Impose a fee for covering specific conditions (called loading)
• Cover certain conditions despite the risk, or offer to reassess a condition at a later date

Some insurers offer a moratorium policy: people with conditions that aren’t chronic (persisent, recurring, uncurable) can take advantage of this special type of policy, which excludes non-chronic conditions from coverage for typically 2 years before covering them.

Employer groups of certain sizes can qualify for a policy that disregards participants’ medical history. This is the only way to cover certain conditions.

April Thailand offers both full medical underwriting and moratorium policies. Applicants with significant pre-existing conditions, particularly chronic conditions, are sometimes denied coverage. Milder conditions are often accepted with loading.

April, like all legimate international insurers, will cover COVID-19 treatment, subject to the policy rules. This means that inpatient treatment (typically at least an overnight stay) is covered up to the policy’s annual limits. However, if you don’t have outpatient coverage, any outpatient treatment will not be covered.

COVID-19 testing and vaccinations may be covered under outpatient health check or vaccination coverage.

Generally, COVID-19 quarantine expenses are not covered by any health insurance policy.

Tenzing can assist in obtaining a certificate that shows your COVID coverage, for travel or other purposes.

Allianz offers direct billing for inpatient and outpatient services. This means that payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t have to pay directly.

The Allianz network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

April Thailand offers direct billing for inpatient and outpatient services. This means that payment for treatment will be managed between the insurer and the hospital or clinic so that you don’t have to pay directly.

The April network of direct billing partners extends throughout the coverage area and includes most of the top hospitals and clinics in each country.

All of Tenzing’s international health plans operate on an annual basis, and while some do allow you to make periodic payments rather than all at once, Thailand regulations require a single annual payment.

April MyHealth offers group health insurance plans that allow employers to provide peace of mind to valued employees.

There are generally two types of employer plans:

• Full medical underwriting (FMU) requires covered individuals to provide medical history, which the insurer uses to assess risk and assign premiums.
• Employer groups that are sufficiently large can qualify for a policy that disregards participants’ medical history (MHD). This is the only way to cover certain conditions.

April allows employers to establish plans with as few as 1 employee for FMU, 10 for MHD.