Life insurance built for expats in Thailand
Living abroad brings unique financial challenges. We help expats in Bangkok and across Thailand get the right coverage — without the confusion.
Serving expats from
40+ nationalities in Thailand
The expat insurance challenge
Expats face insurance gaps that local residents don't. Here's what you need to be aware of.
Complex residency status
Expats often fall between systems — your home country may not cover you anymore, and Thailand has its own rules. You need cover that fits your actual life.
Gaps in employer cover
Many expats rely on employer-provided insurance. But what happens when you change jobs, get made redundant, or leave Thailand? You need a personal policy that travels with you.
Dependants back home
You may have a family in your home country relying on you. Life insurance ensures they're protected regardless of where you live or work.
Repatriation costs
If you die abroad, the cost of repatriating your remains can be significant. The right policy can cover this and reduce the burden on your family.
Thai life insurance works for expats
Contrary to what many expats assume, getting life insurance in Thailand is straightforward — if you work with the right broker. Here's what's possible.
- Thai life insurance is available to most nationalities with a valid visa
- Policies can name beneficiaries anywhere in the world
- Premiums are paid in Thai Baht — simple and transparent
- Tax deductions available for Thai tax residents
- Policies remain valid even if you relocate (check policy terms)
- English-language guidance and documentation throughout
Can I get life insurance in Thailand as a foreigner?
Yes. Most major Thai insurers offer policies to expats with valid visas. Some restrictions apply depending on your nationality and residency status — we'll help you navigate this.
What happens to my policy if I leave Thailand?
Many Thai policies allow you to continue paying premiums from abroad. However, the specific terms vary by insurer. We review portability before recommending any plan.
Can my family back home receive the payout?
Yes. You can name any beneficiary anywhere in the world. Payouts are made in Thai Baht, which can be converted and transferred internationally.
Do I need a work permit to apply?
Not always. Retirement visa holders and dependant visa holders may also qualify. We'll assess your eligibility during the quote process.
Thailand-based or international coverage?
Expats have access to two distinct types of life insurance. The right choice depends on your residency situation, how long you plan to stay in Thailand, and whether you need portability.
Policies issued by OIC-regulated Thai insurers. Well-suited for expatriates with longer-term residency in Thailand, particularly those who are Thai tax residents and may benefit from local tax deductions on qualifying premiums.
- Premiums in Thai Baht
- May qualify for Thai tax deductions
- Governed under Thai law
- Long-term resident focus
International life insurance structures designed for globally mobile expatriates. Portable, multi-currency, and underwritten for expat lifestyles — suitable for those who move frequently or hold assets across multiple countries.
- Portable across countries
- Multi-currency options
- Expat-focused underwriting
- Not tied to Thai residency