Expat Health Insurance Thailand | CFE, Private & Visa O-A | Siam Visa Services

Service details

What we offer

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Personalized comparison

Analysis of your profile (age, health, budget) and comparison of the best options: CFE, international insurance, local coverage.

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O-A visa compliance

Verification that your insurance meets the mandatory minimums: 40,000 THB outpatient and 400,000 THB hospitalization for the O-A visa.

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Subscription support

Support filling out forms, translating medical documents and finalizing your subscription with the chosen insurer.

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Follow-up & renewal

Help with annual renewal, claims management, document translation for reimbursements.

CFE vs Local vs International Insurance
Criteria	CFE	Local insurance	International
Annual cost	€3,000–6,000	15K–40K THB	€2,000–8,000
Hospital network	All (reimbursement)	Partner network	Worldwide
Direct billing	No	Yes	Yes (network)
Repatriation	Yes	No	Yes
FR pension rights	Maintained	No	No

How it works

Steps of your accompaniment

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01

Profile analysis

Evaluation of your needs: age, medical history, visa type, desired monthly budget.

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02

Offer comparison

We compare CFE, first-euro insurance and local coverage. Presentation of pros and cons of each option.

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03

Subscription

Help filling out forms, providing supporting documents and finalizing subscription.

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04

Ongoing support

Support for reimbursements, renewals and coverage adjustments.

Included in the service

What's included

✓Personalized needs analysis
✓CFE vs first-euro insurance comparison
✓O-A visa compliance check
✓Subscription and forms assistance
✓Medical document translation
✓Annual renewal support

Frequently asked questions

Health insurance

Does French Social Security cover me in Thailand?+

No. There is no bilateral health agreement between France and Thailand. After 3-6 months outside France, you lose your rights. Options: join the CFE or subscribe to first-euro insurance.

CFE or first-euro insurance, which to choose?+

CFE + supplement = more protective, no medical questionnaire, chronic diseases covered, but more expensive. First-euro insurance = better value, but medical questionnaire and possible exclusions.

Is health insurance mandatory for the O-A visa?+

Yes, since 2019. Minimum coverage: 40,000 THB outpatient and 400,000 THB hospitalization. Insurance must be from an approved insurer.

Can my Thai spouse benefit from the CFE?+

The Thai spouse can be covered as a CFE dependent if they meet the conditions. In France, they can join CPAM after obtaining a residence permit.

How much does health insurance cost in Thailand?+

Premiums range from 15,000 to 80,000 THB per year depending on age, coverage level, deductible and whether hospitalization is included. Insured persons over 60 pay significantly higher premiums. We compare offers for you.

Does the CFE cover healthcare in Thailand?+

Yes, the CFE reimburses healthcare based on French Social Security rates. A supplementary health plan is strongly recommended to cover the difference. There is no direct billing: you pay upfront and request reimbursement.

Articles & Guides

Our guides on this topic

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