Pacific Cross
Premier H
฿ 2,953/mo
- Annual limit
- THB 1,200,000
- Hospital
- THB 5,000/night
- Oncology
- Full cover
- Evacuation
- Full cover
- Area
- Thailand
- Customer service
- 90%
Health insurance for expats who chose peace of mind.
One real human answer in 24 hours. Free.
Trusted by expats in 30+ countries
Free · 30 seconds · No spam
An independent comparator — no insurer pays to rank higher. We give you a straight answer.
- We compare:
- Cigna
- Allianz
- IMG
- AXA
- Pacific Cross
- WR Life
- & more
- Several insurers
- Compared on every request
- 24h
- Guaranteed human reply
- EN·FR·DE
- Advice in your language
- €0
- Cost of the comparison
How it works
- Tell us about you
- We compare insurers
- Human answer in 24h
- Sign up online
Real comparison
Seven insurers, one 54-year-old expat, side by side
A real worked example — a single, healthy 54-year-old French expat in Thailand. Same profile, seven quotes, no cherry-picking.
Indicative conversion — actual premiums are billed in the insurer's currency.
| Pacific Cross | XN Insurance | IMG | Allianz Ayudhya | Cigna | Optimum Global | WR Life | |
|---|---|---|---|---|---|---|---|
| Plan | Premier H | Base Asia | Prima Bronze H | Max Care Plan 3 H | Close Care H | Emerald Asia (20% co-pay) | Serenity Plan |
| Annual limit | THB 1,200,000 | USD 3,000,000 | USD 1,000,000 | THB 500,000 | USD 500,000 | USD 1,000,000 | USD 400,000 |
| Deductible | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Network | Open Choice | Open Choice | Open Choice | Open Choice | Open Choice | Open Choice | Open Choice |
| Hospital cover | THB 5,000 / night | Full cover – private | Full cover – private | THB 4,000 / night | Full cover | Full cover – private | Full cover |
| Oncology / cancer | Full cover | Full cover | Full cover | THB 500,000 | Full cover | Full cover | Full cover |
| Outpatient | — | — | — | — | — | USD 500 (20% co-pay) | On request |
| Evacuation | Full cover | Full cover | Full cover | — | USD 50,000 | Full cover | Full cover |
| Area of cover | Thailand | Asia (excl. CN, HK, JP, KR) | Worldwide (excl. USA) | Thailand | Current + home country | Asia (excl. HK, CN, SG) | Zone 3 — Africa, Middle East, Asia (excl. CN, HK, JP, SG, TW) |
| Customer service | 90% | 91% | 85% | 94% | 95% | 91% | 99% |
| Monthly premium | ฿ 2,953 | ฿ 6,634 | ฿ 8,696 | ฿ 3,024 | ฿ 9,534 | ฿ 5,958 | ฿ 3,932 |
XN Insurance
Base Asia
฿ 6,634/mo
- Annual limit
- USD 3,000,000
- Hospital
- Full cover (private)
- Oncology
- Full cover
- Evacuation
- Full cover
- Area
- Asia (excl. CN, HK, JP, KR)
- Customer service
- 91%
IMG
Prima Bronze H
฿ 8,696/mo
- Annual limit
- USD 1,000,000
- Hospital
- Full cover (private)
- Oncology
- Full cover
- Evacuation
- Full cover
- Area
- Worldwide (excl. USA)
- Customer service
- 85%
Allianz Ayudhya
Max Care Plan 3 H
฿ 3,024/mo
- Annual limit
- THB 500,000
- Hospital
- THB 4,000/night
- Oncology
- THB 500,000
- Evacuation
- —
- Area
- Thailand
- Customer service
- 94%
Cigna
Close Care H
฿ 9,534/mo
- Annual limit
- USD 500,000
- Hospital
- Full cover
- Oncology
- Full cover
- Evacuation
- USD 50,000
- Area
- Current + home country
- Customer service
- 95%
Optimum Global
Emerald Asia (20% co-pay)
฿ 5,958/mo
- Annual limit
- USD 1,000,000
- Hospital
- Full cover (private)
- Oncology
- Full cover
- Evacuation
- Full cover
- Area
- Asia (excl. HK, CN, SG)
- Customer service
- 91%
WR Life
Serenity Plan
฿ 3,932/mo
- Annual limit
- USD 400,000
- Hospital
- Full cover
- Oncology
- Full cover
- Evacuation
- Full cover
- Area
- Zone 3 (Africa, ME, Asia)
- Customer service
- 99%
Real quotes gathered in May 2026 for one profile. Your own comparison depends on your age, country and health — that's exactly what we run for you, free.
Get an honest quote.
Free. 30 seconds. A real human replies in 24 hours.
Start my free comparison
Your data is never shared with a third party without your consent.