Short travel cover
Check trip dates, destination, cancellation, baggage, medical limits, excess and activities. A credit-card benefit may have activation conditions.
Read the policy, not only the price
Travel and long-stay insurance for Thailand.
Use this guide to compare coverage structure, exclusions, assistance, claims and licensed-provider status. SawaLife does not sell insurance or decide whether a policy is suitable.
Coverage areas to examine
Long-stay health cover
Compare annual limit, renewal, age rules, waiting periods, geographic area, chronic conditions and whether the contract can continue after a claim.
Inpatient and surgery
Check room limits, intensive care, surgery, cancer, direct billing, pre-authorisation and the insurer hospital network.
Outpatient care
Routine visits and medicine may be optional, capped or excluded. Compare the extra premium with likely use and claim rules.
Evacuation and repatriation
Read who authorises transport, where the insurer may send you, medical necessity tests and whether island or remote transfers are covered.
Motorbike activity
Check licence, helmet, engine-size, rental and alcohol exclusions. Rental availability never proves insurance coverage.
Build a comparable quote
Prices depend heavily on age, residence, duration, deductible, health declaration, limits and options. SawaLife therefore does not invent a universal premium range.
- 1.Use the same travel dates, residence and insured territory.
- 2.Compare annual and per-condition limits, deductible and co-payment.
- 3.List pre-existing conditions honestly and retain the insurer answer.
- 4.Check waiting periods, exclusions and activities in the full wording.
- 5.Verify direct billing, assistance number and claim deadlines.
- 6.Confirm cancellation, renewal and age-related price changes.
Verify the provider before paying
Start with the Thai regulator or the relevant industry directory. If the insurer is established outside Thailand, also verify it with the regulator in its home jurisdiction.
Before buying
Download the full wording, benefit table and exclusions. Save the quote assumptions and ask unclear questions in writing.
If you need to claim
Contact assistance early, follow pre-authorisation rules, keep medical reports and itemised receipts, and note submission deadlines.
At renewal
Recheck premium, geography, limits, exclusions, health declarations and continuation rights. Do not assume last year’s terms remain unchanged.
Official and primary references
References checked on 2026-07-15. Cover, eligibility, premiums and provider status change. Only the issued policy wording and insurer decision govern coverage. This is not financial, legal, medical or insurance advice.