International Health Insurance for Expats in Thailand
Calculate your premium online – two plans, flexible cover and payment in USD, EUR or THB.
Premium calculator
Enter your age and currency to see your premium.
Premiums are calculated with WRLife's current rates and updated regularly. Applications are accepted exclusively via our own application page.
Our plans
Two plans – Economy for solid basic cover, Serenity for comprehensive protection.
Inpatient-focused cover with optional outpatient and dental modules.
- 20,000
- 80,000
Comprehensive cover with optional outpatient and dental modules.
- 200,000
- 600,000
- 1,000,000
Benefits at a glance
How the two plans compare.
| Benefit | ECONOMY | SERENITY |
|---|---|---|
| Inpatient treatment | up to limit | 100% / full |
| Outpatient treatment | Optional | Optional |
| Surgery / ICU | limited | full |
| Oncology (cancer) | limited | full |
| Dental treatment | Optional | Optional |
| Maternity | No | up to $8,000 |
| Newborn / congenital defects | No | up to $20,000 |
| Psychotherapy (post-accident) | No | up to $1,500 |
| Preventive check-ups | No | after 3 years |
| Dialysis / HIV / transplant | limited | full |
| Repatriation / home cover | up to $200 | full |
Your advantages with WRLife
- No premium increase without claims – max. 3% after a claim
- No age-based pricing – only your entry age matters
- No medical exam required under 65
- Lifetime renewability – no maximum age
- Direct billing with private hospitals
- Flexible payment: USD, EUR or THB
Waiting periods & health checks
WRLife has no general waiting periods. Coverage begins as soon as the policy is active.
Under 65 years
No medical exam required. A 6-month waiting period applies only to specific pre-existing conditions (hypertension, tumours, diabetes) – all other conditions are covered immediately.
65 years and older
With medical examination: 6 months waiting for the above conditions.
Without medical examination: 12 months waiting for the above conditions.
This waiting period applies only to a clearly defined list of conditions – full cover from day one for everything else.
Policy wording (T&C)
Important information about your cover.
Benefit summaries
This is a summary for information only. The full policy wording applies.
Ready to apply? Start your online application here.