📍 Sathorn, Bangkok
Over 54 years of experience providing health and travel insurance with cashless access at 450+ Thai hospitals.
Pacific Cross Health Insurance brings over 54 years of trust and experience in Asia, making it one of the most established health insurance providers for expats in Thailand. With cashless direct billing at over 450 hospitals across Thailand, Pacific Cross provides comprehensive health and travel insurance solutions designed specifically for expatriates and long-term residents. Pacific Cross offers multiple plan tiers ranging from Major Medical coverage (up to USD 1 million per policy year) to Comprehensive plans (up to USD 3 million annually). All plans feature cashless inpatient coverage at network hospitals, lifetime renewability, and no age limit for policy renewals. Policies can be issued up to age 75 with the option to renew for life, making them particularly suitable for retirees and long-term expats. The Expat Care plans are especially designed for expatriates, allowing declaration of pre-existing conditions with coverage after the moratorium period. With 24/7 emergency assistance and multilingual customer service, Pacific Cross ensures expats have reliable healthcare coverage throughout Thailand and the region.
Needs Assessment: Discuss your healthcare needs, budget, age, and pre-existing conditions
Plan Selection: Choose from Major Medical, Premier, Standard, Comprehensive, or Expat Care plans
Application Submission: Complete application with medical history disclosure (no medical exam required for most applicants)
Policy Issuance: Receive policy documents and cashless hospital network card
Healthcare Access: Use cashless direct billing at 450+ network hospitals for inpatient treatments
Claims Support: 24/7 emergency assistance and multilingual claims support
Age-based premiums with multiple plan tiers
"I have been with Pacific Cross for 8 years now and renewed well into my 70s. The cashless service at Bangkok Hospital has been seamless every time. Peace of mind knowing there is no age limit for renewals."
William Patterson · British Retiree, Phuket
"The Expat Care plan covered my pre-existing condition after the waiting period, which was crucial for me. The 450+ hospital network means I can get quality care anywhere in Thailand."
Jennifer Lee · American Expat, Bangkok
"Excellent coverage and professional service. The 24/7 support line has been helpful whenever I had questions. Premiums are reasonable for the comprehensive coverage provided."
Hans Mueller · German Professional, Chiang Mai
Policies can be issued up to age 75. Once insured, you have lifetime renewability with no age limit for renewals, ensuring continuous coverage throughout your life in Thailand.
The Expat Care plans allow declaration of pre-existing conditions, which may be covered after the moratorium period. Terms depend on the specific condition and plan selected.
With your Pacific Cross card, you can walk into any of 450+ network hospitals for inpatient treatment without paying upfront. The hospital bills Pacific Cross directly for covered services.
Coverage depends on your specific plan tier. Some plans include regional or worldwide coverage options. Contact Pacific Cross to discuss international coverage needs.
Over 54 years of experience
✓ Licensed Thai Insurance Provider
✓ Over 54 Years Operating in Asia