Insurance: What Do We Accept?


Insurance: What Do We Accept?

Because of insurance company policies, there is a difference in the way we handle international insurance and local (Thai and expat) insurance.

Click on your category below to see insurance information:

  • International Visitors: These are patients living in their country of birth, or expats without insurance supporting intentional medical travel.
  • Thai: Thais living in Thailand with Thai insurance - other Thais would be "International Visitors".
  • Expat: These are expats living in Thailand.
  • Expat, Non-Thailand: These are expats living in other countries, with insurance plans that support intentional medical travel.
  • Package Procedures: Using insurance and Bumrungrad Packages.

International Visitors (Intentional, Accidental, Complication Insurance)

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

"Intentional" Medical Travel Patients

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.

“Accidental” Medical Travel Coverage

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 :

Complication Insurance

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:

Local: Thai, Expat and non-Thailand Expat

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.


Please note that procedure packages (e.g. Colonoscopy, CABG) are only available to self-pay patients.

These packages are not available with insurance coverage.


Table 1:


International (Non-Thai Subsidiary) Direct Billing Contracts

  • ADAC-Schutzbrief Versicherung
  • Aetna Global Benefit : [ HK, China,USA, Middle East, Europ]
  • Aetna Global Benefits (USA)
  • AIU Insurance Company Limited (OTAI Only)
  • Akeso Care Management, Inc.
  • Allianz Worldwide Care Limited
  • Allied Insurance Company of the Maldives  PVT
  • Al Koot Insurance & Reinsurance Company
  • AXA Insurance (Gulf) B.S.C
  • AXA PPP Health Care Limited
  • Baoviet Interglobal
  • Baoviet Insurance Corporation
  • Blue Cross Blue Shield Plans
  • BUPA International
  • Bupa Global Latin America
  • Cigna International [USA, UK, China]
  • CMN
  • DavidShield International Medicine Insurance
  • Delaware American Life Insurance Company [Metlife]
  • Dynamiq
  • GeoBlue
  • Global Assistance & Healthcare
  • GMC International Administration
  • GMMI/FEP (U.S. Federal Employees Plan)
  • Healix International 
  • Health 360°
  • HTC Worldwide Incorporated Medicine System Ltd [HTH]
  • Incorporated Medical Systems Limited [IMS]
  • International Health Insurance Denmarks  [Bupa IHI]
  • InterGlobal [ NZI ]
  • International Medical Group [ IMG]
  • Island Home Insurance Company - Staywell Guam Inc
  • Liberty Insurance Limited
  • Medical Administrators International (MAI) 
  • Mobility Saint-Honore (MSH)
  • MSH China Enterprise Service Co., th  [ MetLife MSH China ]
  • Mobility Saint-Honore (MSH)
  • National Health Insurance Company – Daman
  • Now Health International
  • National Life & General Insurance
  • Pacific International [Pacific cross, Medsure]
  • Paramount Healthcare Management 
  • Ping An Health Insurance Company Ltd.
  • PT. Asuransi Sinar Mas
  • Q Life & Medical Insurance Company [QLM]
  • Sompo Insurance 
  • Tangiers International
  • Tiecare*/Global Benefits Group
  • Tricare (Active Duty & Retirees)
  • United Health International, Inc.
  • United Health International, Inc. [ Accept group only :Global Solutions, Expat, Expatriate]
  • William Russell Ltd.



Table 2:


Thailand Company Direct Billing Contracts

  • American International Assurance Co., Ltd.
  • Apex Health Insurance
  • Allianz Ayudhya
  • Bangkok Insurance Public Company Limited
  • Bupa Health Insurance (Thailand)
  • Chubb Insurance Company (Thailand) Limited
  • Deves Insurance Co., Ltd.
  • Dhipaya Insurance Public Co., Ltd.
  • Finansa Life Assurance Co., Ltd
  • FWD Life Insurance Public Company Limited
  • Generali Thailand
  • Health Benefit Consultants Co., Ltd.
  • Krung Thai AXA Life Insurance Co., Ltd.
  • LMG Insurance Public Company Limited
  • Manulife Insurance (Thailand) Public Company Limited
  • Medlink-Global (Asia) Pte. Ltd
  • Med-Sure Services Limited
  • Mitsuifire and Marine Insurance
  • Mittare Insurance Co., Ltd
  • MSIG Insurance (Thailand) Co., Ltd.
  • Muang Thai Life Assurance Co., Ltd.
  • Nam Seng Insurance PLC
  • Navakij Insurance Public Company Limited
  • NSI Health Care Public Company Limited
  • Ocean Life Insurance Co., Ltd
  • Pornpat Life Assurance 
  • Prudential Life Assurance (Thailand) Public Company Limited
  • QBE Insurance 
  • Safety Insurance Public Company Limited-New Petchburi Road Branch (NZI)
  • SCB Life Assurance Public Company Limited
  • Samaggi Insurance Public Company Limited
  • Siam Life Insurance Co., Ltd
  • Siam Sumsung Life Insurance Co., Ltd
  • Southeast Life  Insurance Co., Ltd
  • Syn Mun Kong Insurance Public Company Limited
  • Thai Health Insurance Co., Ltd.
  • Thai Life Insurance Co., Ltd.
  • ThaiRe Services Co., Ltd. (TPA)
  • Thaisri Insurance Public Company Limited
  • Thaivivat Insurance PCL
  • Tokio Marine Life Insurance (Thailand) Public Company Limited
  • Viriyah Insurance Co., Ltd.
  • WELL BE (Thailand) Company Limited



Table 3:


Assistance Company Contracts

  • Allianz Global Assistance (USA)
  • Allianz Worldwide Partner (AWP]
  • AIG
  • April Assistance
  • Asia Medical Assistance [AMA]
  • Assistance Online China
  • Asian Assistance (Thailand) Co., Ltd. [ AAT]
  • Assist International Services Co., Ltd
  • AXA Assistance USA
  • Cega Group Services Limited
  • CMN Inc.
  • Compagnie Generale Du Siam Ltd.
  • Cost Containment Accident&Health International Pty Ltd
  • Cynergy Care Company Limited
  • Emergency Assistant Japan [ EAJ]
  • Essential Healthcare Network
  • Euro-Center Holding As C/O Euro Center (Thailand) Ltd.
  • Eurocross International (The Netherland)
  • European Benefits Administrators.
  • Falck Global Assistance Ltd.
  • First assist Group Limited International Claims Department
  • Global Voyager Assistance ( GVA)
  • Gulf Electronic Management Systems Company (GEMS)
  • Inter Mutuelles Assistance G.I.E.
  • International Medical Assistance
  • International SOS Services (Thailand) Ltd.
  • Inter Partner Assistance Thailand 
  • Malteser Hilfsdienst gGmbH
  • Medgate AG Assistance
  • MSIG Services
  • Mutuelle Des Patentes Et Liberaux (MPL)
  • NEXtCare
  • Northcott Global Solutions
  • OMEGA Travellers Assistance 
  • Europ Assistance  
  • Prestige International
  • Quality Health Management  [ QHM ]
  • Seven Corners, Inc.
  • SOS International Assistance Ltd.
  • SOS International (The Netherland)
  • Takecare Insurance Company., Inc
  • Teiani Emergency Assistance 
  • Tokyo Marine & Nichada Fire Insurance Co.,Ltd
  • WELL BE : [Thailand, HONG KONG]
  • World Travel Protection Pty Ltd.