Health Insurance for Thailand

Here are some common questions people ask about the AIA Health Happy policy. If you have any other questions, feel free to send me a message.

Yes, Health Happy’s primary benefit is its as-charged IPD (In-patient Department) coverage, which applies when a patient is admitted to the hospital and stays overnight. Since hospitalization often leads to significant medical expenses, it's important to choose a policy with adequate IPD coverage.

For a detailed list of benefits, terms, and conditions, please refer to the brochure.

Important Notes:

• Applicants must provide truthful information when applying for insurance. Concealment or false statements could lead to cancellation or denial of claims.
• It’s essential to understand the benefits before purchasing. Review the policy thoroughly once received.
• Coverage terms and conditions are outlined in the policy issued to the policyholder.

Yes, AIA Health Happy also includes some OPD (Out-Patient Department) benefits. It covers treatment for injuries from accidents that occur within 24 hours. However, for those more prone to accidents, I recommend buying additional accident insurance for extra protection.

Health Happy also provides as-charged OPD coverage 30 days before and after IPD treatment.

Additional Tips:

• Some insurance companies offer general OPD expense coverage as an optional extra. Ensure the benefits justify any additional premiums.

For a detailed list of OPD benefits, check the policy brochure.

AIA Health Happy is a rider, meaning it is an add-on policy and requires a main policy. The main policy includes a small life insurance benefit, starting at 100,000 baht. This only increases the premium slightly.

Other insurance companies may include a larger life insurance benefit in standalone policies, which can significantly raise the premium. With AIA’s main + rider structure, policyholders have more control over the life insurance benefit.

Hospital room costs in Thailand vary significantly. For example, Bumrungrad Hospital in Bangkok charges up to 71,000 baht per night. To prevent unnecessary expenses, insurance companies limit the hospital room benefit, either by a specific amount or by specifying the room type.

With AIA Health Happy, the daily hospital room benefit varies depending on the plan, and ICU room coverage is provided as-charged.

Yes, AIA Health Happy includes several valuable benefits:

• As-charged OPD accident coverage: Unlike some policies, such as AXA SwitchCare, which only covers emergency accident OPD for small amounts, Health Happy offers more comprehensive coverage.
• Compassionate death benefit: A lump sum of 10,000 baht is paid if the policyholder passes away.
• Emergency ambulance service: Health Happy covers ambulance fees even if you are not admitted overnight, unlike many other insurers who only cover inpatient ambulance fees.

Like all insurance policies, AIA Health Happy has exclusions. Common partial exclusions include:

• Congenital abnormalities
• Cosmetic surgery
• Pregnancy-related complications

Since exclusions may vary case by case, it's essential to read the brochure and policy contract thoroughly.

Important Reminders:

• Applicants must provide accurate information when applying.
• Read the policy terms and conditions carefully to fully understand coverage.
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This depends on the specific condition and applicant. AIA may:

• Approve the application
• Approve after a check-up
• Approve with exclusions or a higher premium
• Deny the application

It’s always important to be honest about your medical history. If pre-existing conditions are disclosed, AIA may require a medical check-up, which is a standard practice in Thailand.

All new health insurance policies have a waiting period. For AIA Health Happy:

• There’s a general 30-day waiting period before benefits become available.
• Some conditions, like hernias, cataracts, and endometriosis, have a 120-day waiting period.

Each policy is unique, and specific conditions will be outlined based on the applicant’s profile. Always refer to the brochure or consult with an agent for more details.