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Insurance

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Thailand Company Direct Billing Contracts
Allianz Ayudhya General Insurance Allianz-Ayudhya.jpg

Allianz Ayudhya Allianz-Ayudhya.jpg

AIA - American International Assurance Co., Ltd. AIA-(2).jpg

Bangkok Life Assurance Bangkok-Life-Assurance.jpg

Bangkok Insurance Bangkok-Insurance-Public_100X100.jpg

Dhipaya Insurance DHIPAYA.jpg

FPG Insurance (Thailand) FPG-Insurance-(Thailand)-PCL.jpg

Generali Life Assurance (Thailand) generali-insurance.jpg

Krung Thai AXA Life Insurance Krung-Thai-AXA-Life-Insurance.jpg

LMG Insurance LMG-Insurance-Public-Company.jpg

LUMA CARE Co., Ltd. Luma-Health-Insurance.jpg

MSIG Insurance (Thailand)  Mitsui-Sumitomo-Insurance.jpg

Muang Thai Life Assurance Muang-Thai-Life-Assurance-PCL_100X100.jpg

Phillip Life Assurance Phillip-Life-Assurance-PCL.jpg

Prudential Life Assurance (Thailand) Prudential-Life-Assurance-(Thailand)-Public-Company-Limited(1).jpg

Tokio Marine Safety Insurance 2-12.png

Southeast Life Insurance Layout-insurance-Logo-Southeastlife.png

Viriyah Insurance  Viriyah-Insurance-Co-,-Ltd.jpg

Chubb Life Assurance Chubb-Insurance-Company-(Thailand)-Limited.jpg

Chubb Samaggi Insurance Samaggi-Insurance-Public-Company-Limited.jpg

Navakij Insurance Navakij-Insurance-Public-Company-Limited.jpg

Thaivivat Insurance  Thaivivat-Insurance-PCL.jpg

BlueVenture TPA logo-05.png

Sompo Insurance (Thailand) Sompo-Insurance-(Thailand).jpg

Muang Thai Insurance  2-14.png

AXA Insurance Thailand 2-17.png

Thai Life Insurance 2-08.png

The Deves Insurance 2-13.png

Tokio Marine Life Insurance (Thailand) 2-05-(1).png

Falcon insurance 1-09.png

Tune insurance 1-02.png

FWD Life Insurance 1-07.png

Aioi Bangkok Insurance logo-09.png

Rabbit Life Insurance 1-06.png

Sunday Insurance LOGO_Sunday.png

KWI Life Insurance kwi-life-logo.jpg
Cigna Cigna-(1).jpg

Aetna International Aetna.png

BUPA Global BUPA_100X100.jpg

Global Benefits Group (GBG) 2-01.png

Allianz Partners logo-04.png

TRICARE TRICARE.jpg

DavidShield International Medical Insurance DavidShield-International-Medical-Insurance.jpg

Al Koot Insurance and Reinsurance Company P.J.S.C Al-koot_100X100.jpg

AXA PPP International (Service provides by Asian Assistance) logo-07.png

Now Health International Now-Health-International.jpg

International Medical Group International-Medical-Group.jpg

William Russell Limited william-russell.jpg

Malteser Hilfsdient GmbH Malteser-Hilfsdient-GmbH.jpg

Daman Health Insurance Daman-Health-Insurance.jpg

World Travel Protection  World-Travel-Protection.jpg
 
Morgan Price International Healthcare  Morgan-Price-International-Healthcare-Limited.jpg

United Health International, Inc United-Healthcare-Global-Assistance-(Frontier-Medex).jpg

Ping An Health Insurance Ping-An-Health-Insurance-Co-,-Ltd.jpg

AIG Global (Travel) AIU-Insurance-Company-Limited-(1).jpg

ADAC-Schutzbrief Versicherung ADAC-Schutzbrief-Versicherung.jpg

Inter Mutuelles Assistance G.I.E. Inter-Mutuelles-Assistance-G-I-E.jpg

P.T. Global Asistensi Manajemen Indonesia P-T-Global-Asistensi-Manajemen-Indonesia.jpg

NEXtCare (Service provides by Allianz Partners)  logo-02.png

MedAir Global Doctor MedAir-Global-Doctor.jpg

Health 360 Ancillary WLL Health-360-Ancillary-WLL.jpg

Healix International Healix-International-(FCO-Healthline)-(2).jpg

Mutuelle Des Patentes Et Liberaux (MPL) Mutuelle-Des-Patentes-Et-Liberaux-(MPL).jpg

Northcott Global Solutions Limited Northcott-Global-Solutions-Limited.jpg

Liberty Insurance Liberty-Insurance-Limited.jpg

TakeCare Insurance Take-Care-Insurance.jpg

Island Home Insurance Company - Staywell Guam Inc Island-Home-Insurance-Company.jpg

Allied Insurance Company of the Maldives  Allied-Insurance-Company-of-the-Maldives.jpg

Blue Cross Blue Shield logo-06.png

Delaware American Life Insurance Company [Metlife] Delaware-American-Life-Insurance-Company-Metlife-(1).jpg

Kyoei Fire and Marine Insurance Company Kyoei-Fire-and-Marine-Insurance-Company.jpg

Luma Health Insurance Luma-Health-Insurance-(1).jpg

Mitsui Sumitomo Insurance Mitsui-Sumitomo-Insurance-(1).jpg

SOMPO Holdings 2-06.png

TRICARE US (Retiree) – Direct billing service only for inpatient (with 25% co-pay by the members) TRICARE-(1).jpg
 

CMN Global Inc CMN-Global-Inc.jpg

Globality Health (Service provides by Euro Center) Layout-insurance-Logo_Globality-Health-(Service-provides-by-Euro-Center).jpg

Paramount Healthcare Management MicrosoftTeams-image-(56).png

International Medical Group (IMG®) I IMG Europe  Kindly-update-01.jpg

Global Response Kindly-update-03.jpg

à la carte healthcare (ALC Health) alc.jpg

iTravelInsured® itravelinsured.jpg

QLM Life & Medical Insurance (QLM) 2-07.png

Tokio Marine Nichido Fire Insurance  2-02.png

Mitsui Sumitomo Insurance 2-16.png

AIA Myanmar (Self-pay (Reimbursement) or contact AIA Shared Services if the member is eligible for direct billing service)  1-12.png

Redbridge Insurance 1-04.png

AXA - Global Healthcare (Service provides by Asian Assistance) logo-08.png

GeoBlue (service for Blue Cross Blue Shield) logo-03.png

Accident & Health International Accident-_-Health-International-Pty-Ltd.jpg

Dara Insurance Kindly-remove_2.png

MSH international Kindly-remove_3.png
MSH CHINA Enterprise Service logo-01.png

GMMI - Global Medical Management GMMI-Global-Medical-Management.jpg

Henner Henner.jpg

HTH Worldwide HTH-Worldwide-(1).jpg

Houghton Street Consulting Houghton-Street-Consulting.jpg

Akeso Care Management, Inc. Akeso-Care-Management.jpg

SOS International (The Netherland) SOS-International-(The-Netherland).jpg

First Assistance First-Assistance.jpg

Ulink Assist Ulink-Assist.jpg

VYV International Assistance VYV-INTERNATIONAL-ASSISTANCE.jpg

Allianz Global Assistance (USA) Allianz-Global-Assistance-(USA).jpg

AXA Assistance USA AXA-Assistance-USA.jpg

Asian Assistance (Thailand)  Asian-Assistance-(Thailand).jpg

Assist International Services Assist-International-Services.jpg

Emergency Assistance Japan Emergency-Assistance-Japan.jpg

Euro Center (Thailand) Euro-Center.jpg

Eurocross International (The Netherland) Eurocross-International.jpg

Falck Global Assistance Falck-Global-Assistance.jpg

Inter Mutuelles Assistance G.I.E. Inter-Mutuelles-Assistance-G-I-E-(1).jpg

International SOS Services (Thailand)  International-SOS_RGB_hr.jpg

Prestige International Prestige-International.jpg

SOS International Assistance Ltd SOS-International-Assistance-Ltd-(1).jpg

AFSPA  (American Foreign Service Protective Association) AFSPA_logo.jpg

Asian Travel And Medical Services (ATMS) Layout-insurance-Logo_ATMS-ASIAN-TRAVEL-AND-MEDICAL-SERVICES-LLP.png

Alliance International Servicing Alliance-Logo

AIA Shared Services – for eligible of AIA clients in 8 countries : Cambodia I China I Hong Kong & Macau I Malaysia I the Philippine I Singapore I Sri Lanka I Myanmar (Pre-authorization approval is required for both outpatient & inpatient)  Kindly-update-07.jpg

April Assistance (Thailand) April Assistance

EMA Global | Singapore | Malaysia | Thailand EMA Global

 Med-Sure Services med-sure.jpg

Europ Assistance 2-03.png

Trails of Indochina 1-01.png

Medilink Beijing TPA 1-03.png

AWP Services (Thailand) 1-10.png

Shanghai Windstone Health Management Consulting  Kindly-remove_1.png

Crisis24  logo-02.png

MSH International  logo-01-(1).png

Prosper Health Prosper_Logo_RGB_Bilingual.png

AMA Global : AMA Austria I AMA Hong Kong I AMA India I AMA Nepal I AMA Philippines I AMA Sri Lanka I AMA UAE (Service via AMA Hong Kong) Untitled-1.png
LawtonAsia Insurance Brokers 2-10.png

Pacific Prime 2-15.png

WellBe Medic and Insurance Brokers (Thailand) 2-04.png

Lockton Wattana Insurance Brokers 2-09.png

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

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.

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 :

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

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:

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.

Bumrungrad International has contract with major insurance companies. Please check here for the list of the contracted companies. Always present your insurance card at our Registration. If there is a change of insurance company, please notify us.
Travel insurance provides coverage for medical expenses, for flight accidents, losses incurred while traveling. Please study the coverage types and ensure your policy covers your needs.

For medical travelers, standard travel insurance may not cover complication during or as a result of treatment. Medical tourism complications insurance should be considered. As it is designed for travelers seeking medical treatment internationally. Some policies protect you by covering medical treatment complications that may arise.
 
  1. Contact your insurance company if they will cover treatment overseas.
  2. Check if you have to pay out of pocket and file reimbursement afterwards.
  3. If you have pre-existing condition, confirm with your insurance if the treatment will be covered.
  4. Find out about your deductibles, co-insurance and the maximum amount of medical coverage.
  5. Check hospital website on the list of contracted insurance company. For any inquiry, contact our Third Party Payor department at [email protected]

Non-Contracted Insurance

  • Patient is required to pay and claim from insurance directly

Contract Insurance

  • Hospital contacts insurance upon patient’s admission and inform patient within 48 hours about the status.
  • Patient is required to pay a full deposit (balance up to date) if there is no guarantee letter from insurance within 48 hours.
  • Full payment is required if the hospital does not get the letter of guarantee on the discharge date.
  • If patient requests that hospital continue to follow up on guarantee letter, full deposit is required. If there is no guarantee letter from insurance company within 7 business days from the discharged date, deposit will be used to settle the bill with no prior notice. Receipt will be send by e-mail or patient can pick up the receipt at the hospital.
  • The deposit will be refunded once hospital receives the letter of guarantee before/ on discharged date/or within 7 business days after discharge.
  • Cash will be refunded by cash.        
  • Credit will be refunded by credit line [15-30 Days]