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Insurance: What Do We Accept?


Thailand Company Direct Billing Contracts

Aetna Health Insurance (Thailand) PCL Aetna.jpg

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

AWP - Southeast Insurance Public Company Limited AWP.jpg

Bangkok Life Assurance Public Company Limited Bangkok-Life-Assurance.jpg

Bangkok Insurance Public Company Limited Bangkok-Insurance-Public_100X100.jpg

Cigna Insurance PCL Cigna.jpg

Dhipaya Insurance Public Co., Ltd. DHIPAYA.jpg

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

Generali Life Assurance (Thailand) PCL generali-insurance.jpg

Krung Thai AXA Life Insurance Co., Ltd. Krung-Thai-AXA-Life-Insurance.jpg

Lawton Asia LawtonAsia.jpg

LMG Insurance Public Company Limited LMG-Insurance-Public-Company.jpg

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

Med-Sure Services Limited med-sure.jpg

Mittare Insurance Co., Ltd Mittare-Insurance_100X100.jpg

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

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

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

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

Tokio Marine Safety Insurance Tokio-Marine-Safety-Insurance.jpg

Southeast Life Insurance Southeast-Life-Insurance.jpg

Syn Mun Kong Insurance PCL Syn-Mun-Kong-Insurance-PCL.jpg

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

Siam Sumsung Life Insurance Co., Ltd Siam-Sumsung-Life_100X100.jpg

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

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

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

NSI Health Care Public Company Limited Nam-Seng-Insurance-PLC2-(1).jpg

Thaivivat Insurance PCL Thaivivat-Insurance-PCL.jpg

ThaiRe Services Co., Ltd. (TPA) ThaiRe-Services-Co-,-Ltd-(TPA).jpg

LMG Insurance Public Company Limited LMG-Insurance-Public-Company-(1).jpg

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


International (Non-Thai Subsidiary) Direct Billing Contracts

Cigna Cigna-(1).jpg

BUPA International Limited BUPA_100X100.jpg

International Claims Services International-Claims-Services.jpg

Allianz Worldwide Care Limited Allianz_Care_.jpg

Aetna Global Benefits (USA) Aetna-(1).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 (ALC Health) AXA-PPP-International.jpg

Now Health International Now-Health-International.jpg

International Medical Group International-Medical-Group.jpg

William Russell Limited william-russell.jpg

International Health Insurance Danmark a/s (IHI) BUPA_100X100-(1).jpg

Malteser Hilfsdient GmbH Malteser-Hilfsdient-GmbH.jpg

AIU Insurance Company Limited AIU-Insurance-Company-Limited.jpg

Daman Health Insurance Daman-Health-Insurance.jpg

Paramount Healthcare Management PVT LTD Paramount-Healthcare-Management-PVT-LTD.jpg

World Travel Protection (Customer Care Pty Ltd) World-Travel-Protection.jpg
Morgan Price International Healthcare Limited Morgan-Price-International-Healthcare-Limited.jpg

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

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

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

AIG Travel Asia Pacific Insurance Pte. Ltd. AIU-Insurance-Company-Limited-(1).jpg

ADAC-Schutzbrief Versicherung ADAC-Schutzbrief-Versicherung.jpg

Seven Corners, Inc Seven-Corners,-Inc.jpg

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

United Healthcare Global Assistance (Frontier Medex) United-Healthcare-Global-Assistance-(Frontier-Medex)-(1).jpg

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

NEXtCare NEXtCare.jpg

MedAir Global Doctor MedAir-Global-Doctor.jpg

AXA Insurance (Gulf) B.S.C. (c) AXA-PPP-International-(1).jpg

Baoviet Interglobal Baoviet_100X100-(1).jpg

Healix New Zealand Ltd Healix-International-(FCO-Healthline)-(1).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 Limited Liberty-Insurance-Limited.jpg

IMS (France) IMS-(France).jpg

TakeCare Take-Care-Insurance.jpg

Medical Assistance Company  (Direct Billing Contract)

MSH CHINA Enterprise Service MSH-CHINA-Enterprise-Service.jpg

Henner Henner.jpg

HTH Worldwide HTH-Worldwide-(1).jpg

Houghton Street Consulting Houghton-Street-Consulting.jpg

International Medical Assistance Layout-insurance-Logo_Blank-White.jpg

Tangiers International Tangiers-International.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


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

Global Voyager Assistance Global-Voyager-Assistance.jpg

AXA Assistance USA AXA-Assistance-USA.jpg

Asia Medical Assistant (Thailand) Layout-insurance-Logo_Blank-White.jpg

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

Assist International Services Assist-International-Services.jpg

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

Emergency Assistance Japan Emergency-Assistance-Japan.jpg

Euro-Center Holding As C/O Euro Center (Thailand) Ltd. Euro-Center.jpg

Eurocross International (The Netherland) Eurocross-International.jpg

Falck Global Assistance Ltd. Falck-Global-Assistance.jpg

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

Inter Partner Assistance Thailand Inter-Partner-Assistance.jpg

International SOS Services (Thailand) Ltd. International-SOS_RGB_hr.jpg

Prestige International Prestige-International.jpg

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

WellBe Insurance Brokers WellBe-Insurance-Brokers.jpg

World Travel Protection Pty Ltd. World-Travel-Protection-(1).jpg

Dynamiq Dynamiq.jpg

AFSPA  (American Foreign Service Protective Association) AFSPA_logo_100px-(1).jpg

International (Non-Thai Subsidiary) Direct Billing Contracts

Cigna Cigna-(1).jpg

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:

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

  1. There is no direct billing on OPD visits with non-contracted insurance. Patient will have to pay in full amount. Hospital will provide documents needed and the patient files claim with insurance directly.
  2. For admission, patient pays deposit in full amount as indicate on the Price Estimate Letter prior to / or upon admission. Hospital will coordinate with insurance company to get a letter of guarantee from contracted insurance company or contracted Assistant company. If the hospital does not get the letter of guarantee by the discharge date, patient will be responsible for the full amount and can file claim directly with insurance company for reimbursement. Hospital will refund the patient once we receive the full payment from the contracted insurance company within 30 days.

Contract Insurance

  1. For OPD visit that has direct billing, hospital will either check insurance benefits from insurance website or contact insurance company for letter of guarantee.
  2. For any procedure that needs pre-authorization such as CT/MRI, our Third Party Payor department will contact the insurance company for pre-authorization letter
  3. Patient will be asked to pay a deposit if there is no letter of guarantee from insurance within 48 hours.
  4. If hospital does not get the letter of guarantee on the discharge date, patient will be responsible for the bill in full amount.
  5. The deposit will be refunded if hospital gets the letter of guarantee before or on the discharge date.
  6. Any excess, deductible, co-payment, are the patient’s responsibility.