Medical Insurance for Thailand Elite and Thailand Privilege Members｜Pacific Cross Health Insurance PCL

This article is provided by Pacific Cross Health Insurance PCL, a health insurance company in Thailand.

For specific inquiries regarding Pacific Cross Health Insurance plans and health insurance costs, please direct your questions to the mail form at the bottom of this article.

You can also request a premium estimate online. Click here for the quotation request form.

Pacific Cross Health Insurance Contract Member Benefits

Pacific Cross Health Insurance is the only health insurance company partnered with Thailand Privilege.

If you are a Thailand Privilege or Thailand Elite member and purchase a Pacific Cross health insurance plan, you will receive the following three benefits:

Discount Benefit

If you are a member of Thailand Privilege or Thailand Elite and purchase an insurance policy from Pacific Cross Health Insurance, you will receive a 10% discount on your insurance premium for the first year only.

While Pacific Cross Health Insurance offers discounts for excluding outpatient coverage or setting a deductible, you can further reduce your premium by utilizing the Thailand Privilege / Thailand Elite discount in addition to these other discounts.

※Please contact us for details, such as premium quotations.
※To apply the discount, documentation proving your Thailand Privilege / Thailand Elite membership is required.

Waiting Period Benefit

If you are a member of Thailand Privilege or Thailand Elite and purchase an insurance policy from Pacific Cross Health Insurance, the 15-day waiting period for Coronavirus-related issues and the 30-day waiting period for general illnesses will be waived.

However, a 120-day waiting period will still apply for specific pre-existing conditions.

Below are the standard waiting periods for typical health insurance in Thailand.

・For general illnesses：A 30-day waiting period applies from the policy start date, during which no insurance coverage is provided.
・For specific conditions：A 120-day waiting period applies from the policy start date for the following conditions, during which no insurance coverage is provided:
Tumors, warts, lumps, cancer, hemorrhoids, hernias, cataracts, tonsillitis, stones, varicose veins, endometriosis.
※Note：Conditions newly diagnosed during the waiting period will not be covered even after the waiting period ends.
・For COVID-19：The waiting period is 15 days.
・For injuries or accidents：No waiting period applies; coverage is immediate.

For more details, please contact us.

Personal Accident (PA) Insurance

As of September 2025, members of Thailand Privilege’s five membership tiers (Bronze, Gold, Platinum, Diamond, Reserve) who purchase a Pacific Cross health insurance plan will also receive complimentary Personal Accident (PA) Insurance.

For Bronze / Gold / Platinum Members:
6 months of complimentary PA insurance（Coverage amount: 250,000THB）

For Diamond / Reserve Members:
12 months of complimentary PA insurance（Coverage amount: 250,000THB）

※PA insurance is a supplementary policy providing coverage for accidental death or permanent total disability.
※This is exclusively granted to members who have joined the current five membership tiers of Thailand Privilege. PA insurance does not apply to members who joined under legacy membership tiers that predate the current ones.

For more details, please contact us.

Pacific Cross Health Insurance Plan Overview

For more details regarding an overview of Pacific Cross health insurance, please refer to the article below.

Cases Where Insurance Claims May Be Rejected

In Thailand, claims may be rejected in accordance with the policy wording. For details, please refer to the each insurance company’s policy terms and conditions.

Caution*  Thailand residents should only purchase health insurance products that are licensed by the Office of Insurance Commission in Thailand. Customers of non-compliant insurers have no recourse to the local regulator in the event of dispute or bankruptcy.

Pre-existing Conditions and Medical History Prior to Insurance Enrollment

＜Investigations by Hospitals or Insurance Companies＞
If a hospital or insurance company suspects that a policyholder’s treatment is not for a general illness but rather a recurrence of a pre-existing or chronic condition, or if a claim is filed shortly after the policy is purchased, they may investigate the policyholder’s medical records and history.

If the investigation finds no related medical history, the claim will be approved. However, if undisclosed pre-existing conditions or chronic illnesses are discovered, the insurance company may deny the claim, add exclusions to the policy, or, depending on the circumstances, even cancel the insurance contract.

It is important to fully disclose your medical history when applying for health insurance coverage in Thailand. Any concealment or misrepresentation of the truth may result in the Insurance contract becoming void and/or refusal to compensate under Clause 865 of the Civil and Commercial Code, resulting in the cancellation of the policy.

Receiving examinations or treatments during the 30-day or 120-day waiting periods, or if related symptoms are discovered during these periods

＜Standard Waiting Periods in Thai Insurance Companies＞
・For general illnesses：A 30-day waiting period applies from the policy start date, during which no insurance coverage is provided.
・For specific conditions：A 120-day waiting period applies from the policy start date for the following conditions, during which no insurance coverage is provided:
Tumors, warts, lumps, cancer, hemorrhoids, hernias, cataracts, tonsillitis, stones, varicose veins, endometriosis.
※Note：Conditions newly diagnosed during the waiting period will not be covered even after the waiting period ends.
・For COVID-19：The waiting period is 15 days.
・For injuries or accidents：No waiting period applies; coverage is immediate.

Treatments based on personal preferences or choices rather than medically necessary treatments recommended by a doctor (non-standard treatments)

＜Examples＞
・Experimental treatment in physiotherapy treatment.
・Undergoing tests based on personal preference when a doctor deems them unnecessary.

Other Exclusions

・AIDS, sexually transmitted diseases (STDs), or sexually transmitted infections (STIs).
・Use of drugs or substances to delay aging or degeneration.
・Hormone replacement therapy for early menopause or menopause.
・Female or male sexual dysfunction.
・Gender Affirmation Surgery.
・Dangerous sports.
・Accidents involving cars or motorcycles if the driver was unlicensed or under the influence of alcohol.

Ways to Reduce Medical Costs

While not limited to Thailand, it is advisable to carefully consider whether health insurance is truly necessary and, if so, which plan is most suitable before proceeding with enrollment.

Reduce the Risk of Illness and Injury

It is important to consciously avoid risks in daily life, such as engaging in moderate exercise and reducing the use of motorcycle taxis. While it may seem obvious, striving to prevent medical expenses and treatments altogether is also crucial.

Utilize Clinics and Pharmacies

At pharmacies in Thailand, pharmacists prescribe medications based on your symptoms.
Depending on the condition, they may also refer you to a hospital or clinic, so it may be a good idea to first visit a pharmacy and describe your symptoms.

Cover Only High-Cost Treatments with Insurance

Attempting to cover everything with insurance will inevitably lead to higher premiums. For example, if you are generally healthy and rarely visit doctors, consider opting for a plan that excludes outpatient care but covers high-cost treatments such as surgeries and hospitalizations.

The cost of health insurance varies depending on the insurance company, coverage details, age, and family structure. For families enrolling together, lifetime expenses can sometimes be substantial.
Since health insurance is non-refundable, it is essential to carefully evaluate whether it is truly necessary and, if so, which plan best suits your needs.

Company Profile

Pacific Cross Health Insurance PCL

Name of company	Pacific Cross Health Insurance PCL
Address	No.3 Rajanakarn Building, 16th Floor, Zone BC, South Sathorn Road, Yannawa, Sathorn, Bangkok 10120
Person in charge	Passathorn Rungruanglit（ART）
WEB	https://www.pacificcrosshealth.com

Location

Pacific Cross Health Insurance Inquiry Desk

Contact

Contact information from this form will be sent to Pacific Cross Health Insurance PCL.

Contact Person：Passathorn Rungruanglit (Art)
※When requesting a quote, please be sure to include your current age.
You can also request a premium estimate online. Click here for the quotation request form.
※You can request a quote by filling out the required information on the form on the above page and clicking “Request Quote”.