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Insurance: What Do We Accept?


Thailand Company Direct Billing Contracts

Company Aetna Health Insurance (Thailand) PCL Aetna.jpg

Company Allianz Ayudhya Allianz-Ayudhya.jpg

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

Company AWP - Southeast Insurance Public Company Limited AWP.jpg

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

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

Company Cigna Insurance PCL Cigna.jpg

Company Dhipaya Insurance Public Co., Ltd. DHIPAYA.jpg

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

Company FWD Life Insurance Public Company Limited FWD.jpg

Company Generali Insurance (Thailand) PCL (PA) generali-insurance.jpg

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

Company Health Benefit Consultants Co., Ltd. health-benefit-consultants.jpg

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

Company Lawton Asia LawtonAsia.jpg

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

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

Company Med-Sure Services Limited med-sure.jpg

Company Mittare Insurance Co., Ltd Mittare-Insurance_100X100.jpg

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

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

Company Ocean Life Insurance PCL Ocean-Life-Insurance-PCL.jpg

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

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

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

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

Company Siam Life Insurance Co., Ltd Layout-insurance-Logo_Blank-White.jpg

Company Southeast Life Insurance Southeast-Life-Insurance.jpg

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

Company Tokio Marine Life Insurance (Thailand) Public Company Limited Tokio-Marine-Safety-Insurance-(1).jpg

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

Company Manulife Insurance (Thailand) Public Company Limited Manulife-Insurance_100X100.jpg

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

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

Company Thai Health Insurance Co., Ltd. Thai-Health-Insurance-Co-,-Ltd.jpg

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

Company Nam Seng Insurance PLC Nam-Seng-Insurance-PLC2.jpg

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

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

Company Thaisri Insurance Public Company Limited Thaisri-Insurance-Public-Company-Limited.jpg

Company Thaivivat Insurance PCL Thaivivat-Insurance-PCL.jpg

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

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

Company Health Benefit Consultants Co Ltd health-benefit-consultants-(1).jpg

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


International (Non-Thai Subsidiary) Direct Billing Contracts

Company Cigna Cigna-(1).jpg

Company BUPA International Limited BUPA_100X100.jpg

Company International Claims Services International-Claims-Services.jpg

Company Allianz Worldwide Care Limited Allianz_Care_.jpg

Company Aetna Global Benefits (USA) Aetna-(1).jpg


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

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

Company AXA PPP International (ALC Health) AXA-PPP-International.jpg

Company Now Health International Now-Health-International.jpg

Company MetLife Delaware-American-Life-Insurance-Company-Metlife.jpg

Company International Medical Group International-Medical-Group.jpg

Company William Russell Limited william-russell.jpg

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

Company Malteser Hilfsdient GmbH Malteser-Hilfsdient-GmbH.jpg

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

Company Daman Health Insurance Daman-Health-Insurance.jpg

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

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

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

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

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

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

Company ADAC-Schutzbrief Versicherung ADAC-Schutzbrief-Versicherung.jpg

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

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

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

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

Company NEXtCare NEXtCare.jpg

Company JI Accident & Fire Insurance Co., Ltd. JI-Accident-_-Fire-Insurance-Co-,-Ltd.jpg

Company MedAir Global Doctor MedAir-Global-Doctor.jpg

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

Company Baoviet Interglobal Baoviet_100X100-(1).jpg

Company Healix New Zealand Ltd Healix-International-(FCO-Healthline)-(1).jpg

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

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

Company AFH Health Care Services Ltd. Layout-insurance-Logo_Blank-White.jpg

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

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

Company Liberty Insurance Limited Liberty-Insurance-Limited.jpg

Company IMS (France) IMS-(France).jpg

Company TakeCare Take-Care-Insurance.jpg

Medical Assistance Company  (Direct Billing Contract)

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

Company Henner Henner.jpg

Company HTH Worldwide HTH-Worldwide-(1).jpg

Company Houghton Street Consulting Houghton-Street-Consulting.jpg

Company Medical Administrators International Medical-Administrators-International.jpg

Company Assistance Online PTE Limited. Layout-insurance-Logo_Blank-White.jpg

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

Company Tangiers International Tangiers-International.jpg

Company Australasian Assistance Australasian-Assistance.jpg

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

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

Company First Assistance First-Assistance.jpg

Company Ulink Assist Ulink-Assist.jpg

Company VYV International Assistance VYV-INTERNATIONAL-ASSISTANCE.jpg

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

Company Assist America Asia, Ltd. (Non-Contract) Assist-America-Asia.jpg

Company Global Voyager Assistance Global-Voyager-Assistance.jpg

Company GEMS (Gulf Electronic Management Systems Company) GEMS-(Gulf-Electronic-Management-Systems-Company).jpg

Company AXA Assistance USA AXA-Assistance-USA.jpg

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

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

Company Assist International Services Assist-International-Services.jpg

Company Assistance Online China Layout-insurance-Logo_Blank-White.jpg

Company Compagnie Generale Du Siam Compagnie-Generale-Du-Siam.jpg

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

Company Emergency Assistance Japan Emergency-Assistance-Japan.jpg

Company Essential Healthcare Network Layout-insurance-Logo_Blank-White.jpg

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

Company Eurocross International (The Netherland) Eurocross-International.jpg

Company European Benefits Administrators Layout-insurance-Logo_Blank-White.jpg

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

Company First assist Group Limited International Claims Department Layout-insurance-Logo_Blank-White.jpg

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

Company Inter Partner Assistance Thailand Inter-Partner-Assistance.jpg

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

Company Medgate AG Assistance Medgate-AG-Assistance.jpg

Company OMEGA Travellers Assistance Layout-insurance-Logo_Blank-White.jpg

Company Prestige International Prestige-International.jpg

Company Quality Health Management [ QHM ] Quality-Health-Management-QHM-(1).jpg

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

Company Teiani Emergency Assistance Layout-insurance-Logo_Blank-White.jpg

Company WellBe Insurance Brokers WellBe-Insurance-Brokers.jpg

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

Company Dynamiq Dynamiq.jpg

International (Non-Thai Subsidiary) Direct Billing Contracts

Company 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.