Landing Kit
Health insurance for your stay
There is no single best insurance. It depends on whether you are still registered in your home country, how long you stay and your age. Answer 4 quick questions and we show you which type fits you.
General information as of October 2026, not insurance advice. Check the current terms with the insurer.
Insurance finder
Our overview of six insurers
Listed in a fixed order. Partner links never change the order. Highlighted rows matter most for your answers.
HanseMerkurPeople who stay registered and insured in Germany and travel for up to about a year
From: Depends on age and length. A good long-stay tariff starts around 177 € for 90 days under 60 (as of 2026)
GenkiYounger travellers and nomads from Europe, scooter riders
From: Traveler from €52.50 per month (under 30), €63.90 (30 to 39). Expat Basic about €162/month in your 20s, €255 in your 40s, €417 in your 50s (€1,000 deductible) (as of July 2026)
SafetyWingBudget nomads and flexible, open-ended stays
From: Essential per 4 weeks: $56 (10 to 39), $92 (40 to 49), $145 (50 to 59), $197 (60 to 69). Complete from about $177.50 per month (as of March 2026)
BDAE Expat InfinityGermans and Europeans moving to Thailand for good, retirees
From: Basic from €56, Classic from €77, Premium from €108 per month (starting prices) (as of 2026)
Cigna GlobalPeople who want the strongest worldwide network and high limits
From: Per year, non-smoker: age 30 Silver + outpatient Asia about $1,200 to 1,600; age 40 Gold excl. USA $2,200 to 2,800; age 50 $3,500 to 4,500; age 60 $4,800 to 6,500. Yearly increases 8 to 12% (as of 2026 estimates)
Expats and nomads who don't want to pay hospital bills upfront
From: On request (depends on age, zone, tariff and deductible) (as of October 2026)
Before you buy: 6 things to check
- Scooter: most insurers only pay for motorbike accidents with a valid motorcycle licence (a car licence is not enough) and a helmet. Scooter accidents are the most common serious claim and the most often refused.
- Pre-existing conditions: declare everything honestly. Wrong answers can void your cover.
- Age limits: many plans don't accept new customers from 55, 64 or 75. Sign up while you can.
- Renewal: if you move for good, choose a plan that can't be cancelled because of your age.
- Hospital payment: private hospitals in Thailand often ask for a deposit or credit card. Check if your insurer offers direct billing or a payment card.
- Travel insurance is not expat insurance: normal annual travel policies usually cover trips of only 6 to 8 weeks, and only acute treatment.
Thai visa rules
- O-A: 3M THB (about USD 100,000) cover per year
- O-X: 40,000 THB outpatient + 400,000 THB inpatient
- LTR: USD 50,000
- DTV and tourist: no insurance required
As of October 2026.
Thai visa types and how to apply · Official Thai e-Visa site
Back home option
For Germans who deregister: keep a way back with an Anwartschaftsversicherung (about 50 to 70 € per month for statutory insurance, about 10 to 30 € for a small private one).
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