Foreigners wishing to visit Thailand may find that they have to apply for a Thailand visa beforehand.
Thailand is a Southeast Asian country known for its countless temples, ancient ruins, canals and floating water markets, sandy tropical beaches, and modern cityscapes. In 2018, it welcomed a record of 38.27 million tourists from around the world, many of which likely entered by way of a Thai Tourist Visa.
This article will detail the process for a Thailand visa application, as well as the types of Thailand visas, requirements, and other frequently asked questions.
Who Needs a Thailand Visa?
Everyone who is not exempt and who is not eligible to obtain a Visa On Arrival has to apply for a Thailand visa before they travel.
Thailand offers nationals of several countries visa-free entrance for a varying number of days (up to 14, 30, or 90 days). Additionally, certain others are eligible to receive a Visa On Arrival, with prior electronic authorization.
Who Can Get a Thai Visa on Arrival?
Nationals of the following countries are eligible to receive a Thai Visa On Arrival with a duration of up to 15 days:
Bulgaria
Bhutan
People’s Republic of China
Cyprus
Ethiopia
Fiji
Georgia
India
Kazakhstan
Malta
Mexico
Nauru
Papua New Guinea
Romania
Russia
Saudi Arabia
Taiwan
Uzbekistan
Vanuatu
What Are the Types of Thai Visas?
The Thai government offers the following types of visas to foreign nationals:
Thailand Tourist Visa, which is issued to visa-required foreigners entering Thailand for tourism or leisure activities. This is a short-term visa, which can be issued for single or multiple entries.
Thailand Transit Visa, which is issued to foreigners who will enter the territory of the Kingdom of Thailand in order to make their way to a third country of destination.
Thailand SMART Visa, which is aimed at highly-skilled foreigners, encouraging them to work or invest in one of Thailand’s ten targeted industries, including medicine, robotics, aviation, agriculture, biotechnology, etc.
Thailand Non-Immigrant Visa, which is issued to foreigners entering Thailand for reasons other than tourism or leisure. The Non-Immigrant Visa for Thailand is further categorized depending on the purpose of travel:
Thailand Work Visa, for foreigners who will take up paid employment in Thailand.
Thailand Student Visa, for foreigners who want to pursue their academic studies in a Thai educational institution.
Thailand Business Visa, for foreigners who are traveling to Thailand for business-related purposes, such as negotiations, attending a meeting, etc.
Thailand Marriage Visa, for foreigners who are married to a Thai citizen.
Thailand Retirement Visa, also known as the “Ten Year Visa” which is issued to foreigners over the age of 50 who want to retire in Thailand and have independent financial means to sustain themselves without working.
How to Apply for a Thai Visa?
Everyone who is not exempt visa requirements or eligible to get one on arrival has to apply for a Thai visa from one of the diplomatic missions of Thailand abroad, such as an embassy or consulate. The application process for a Thai visa is as follows:
Contact the Thailand diplomatic mission in your country.
Collect the required documents.
Submit the Thai visa application.
Wait for the application to be processed.
Collect the passport and visa.
Contact the Royal Thai Embassy or Consulate in your country
When you start the process of applying for a Thai visa, the first step to take is to get in touch with a Thai Embassy or Consulate. Normally, you should apply to the embassy or consulate in your country. However, if there is no Thai representation in your country, you may have to apply to the Thai embassy/consulate that’s in a neighboring country or through a visa application agency.
You must contact them or visit their website in order to learn how to make an appointment (if one is required), about their opening hours, working days, and the preferred method of paying for the visa fee.
Unfortunately, there is no uniform process for Thailand visa application submissions for all nationals, since it is dependent on the specific embassy or consulate in each country.
You can find a list of Thai diplomatic representations here.
Collect the required documents for a Thailand visa
The documents you must submit when applying for a Thailand visa depend on the purpose of your travel. However, all applicants must have:
A passport, which is valid for at least another six months and has at least two blank visa pages
A return travel ticket, proving you intend to leave the country after your visa ends
Completed and signed Thailand Visa Application Form
Two recent passport-size pictures
Proof of sufficient financial funds to cover the duration of your stay
Paid Thailand Visa fee
Submitting the Thai visa application
Depending on the embassy or consulate through which you’re applying, you can submit the visa application through one of the following two ways:
In-person, on the date of your appointment
Through the post, in which case you also have to include a prepaid and self-addressed envelope so the embassy can return your passport with the visa to you
Thailand visa processing time
Again, the processing time for a Thai visa depends on which diplomatic representative office you apply in. Some promise to have it processed within 2 working days, while others may take longer. However, you should expect to wait for about 5 -10 working days for your Thai visa to be processed, starting from the time that the embassy/consulate receives your complete application. So, make sure you apply in advance of the time you intend to travel.
Receiving your Thailand visa
Once your Thailand visa application is processed, you have to go back to the embassy/consulate and pick up your passport and documents. If you applied by mail, they will be mailed back to you.
If the application was approved, the visa will be affixed to your passport.
Can You Apply for a Thailand Visa Online?
In late 2018, the Thailand Ministry of Foreign Affairs announced they would begin implementing the Thailand eVisa the following year. In February 2019, Chinese nationals became the first foreign nationals to be eligible for the Thai eVisa and were joined by British and French nationals in April. It is expected that in the following three years, citizens of all foreign countries with which Thailand has diplomatic relations will become eligible to receive a Thailand visa online.
As of now, those who are eligible to submit their Thailand visa applications online still have to go and get their passport stamped at a Thai embassy or consulate, but the Thai government to make the entire process online in the following years.
Applications for Thai eVisas can be submitted here.
How long is a Thailand Visa valid?
Thailand visas can be issued for the following durations:
Thai Transit Visa: Up to three months for a single-entry visa; up to six months for a multiple-entry visa (you cannot stay in the country for longer than 30 days, on either visa)
Thai Tourist Visa: Up to three months for a single-entry visa; up to six months for a multiple-entry visa (you cannot stay in the country for longer than 60 days, on either visa)
Thai Non-Immigrant Visa: Up to three months, for single or multiple entries. Multiple-entry visas can also be issued for up to one year. If you are eligible, you can obtain a one-year stay permit.
Can You Extend a Thai Visa?
Yes, if you wish to extend or change the category of your Thai visa, you can submit an application at the Office of the Thailand Immigration Bureau in Bangkok.
Thai Visas On Arrival, which are issued for up to 15 days, cannot be extended.
What Are the Thailand Visa Fees?
The Thai visa fees change depending on several factors, one of which is the country you are applying from. However, on an estimate, you should expect to pay between $30 to $50 for a Tourist Visa, and between $150 to $250 for a Non-Immigrant Visa, depending on the local currency.
Additionally, you may have to pay in cash at the time of application or through bank transfer, as per the preferences of the Thai embassy or consulate through which you apply.
Thailand Visa for US Citizens
Citizens of the United States do not need a visa for Thailand if they intend to stay for a maximum of 30 days.
If you are a US citizen, to enter Thailand for up to 30 days, you must be in possession of a passport which is valid for at least another six months and has at least one passport page for the entry stamp. Additionally, if you want to extend your stay, you can apply for a 30-day extension from the Thai Immigration Bureau office in Bangkok for a fee of 1,900 baht (about USD 60).
If you want to stay longer than 30 days, you can apply for a Thai visa at the Royal Thai Embassy or Consulate in the United States. If you want to work in Thailand, you need a Thai Work Visa and a Work Permit, which your employer has to obtain on your behalf.
Thailand Visa for Indians
If you are an Indian national, then you are eligible to obtain a Thai Visa On Arrival for a maximum of 15 days from one of the approved points of entry. You must have a valid passport, a return ticket, the Visa on Arrival application form and Thailand Arrival Card, two passport-sized pictures, proof of accommodation, and proof of sufficient funds.
If however, the Thailand Visa on Arrival cannot be extended, so if you know you need to stay longer than 15 days, you have to apply for a regular Thai visa from a Thai embassy or consulate in your country.
Becoming a Thai Resident
To become a Thai resident, you must have lived in Thailand with a Non-Immigrant Visa for at least three years. At that point, you become eligible for a Thai Residence Permit.
You must fall under one of the following categories:
You have a Thai Work Visa
You are a foreign investor
You have family relations to a Thai national
You are a highly-skilled foreigner (Expert/Academic)
Getting Thai Citizenship
To obtain Thai citizenship, you must be able to fulfill the following conditions:
You must be at least 18 years of age
You must have lived in Thailand for at least five consecutive years before applying
You must have permanent residence in Thailand
You must have a clean criminal background
You must be able to speak and understand the Thai language
Thailand Visa Policy
If you’re planning a trip to the enchanting temples in Bangkok, you may have found yourself wondering, “Do I need a visa for Thailand?”
Thailand, a Southeast Asian country known for its ornate temples, sandy, white beaches, charming water markets, and modern cityscapes attracts millions of tourists every year. Many of the people who travel to Thailand need to have a visa to enter. However, nationals of several other countries are actually exempt from visa requirements.
This article will detail the Thailand visa policy: who is exempt, who can get a Visa On Arrival, and what to do if you need a visa.
Do You Need a Visa to Go to Thailand?
You need a visa to go to Thailand, as long as you are not from one of the countries whose nationals are exempt from visa requirements (below).
If you have an ordinary passport issued by one of the following countries, you can travel to Thailand without a visa for up to 90 days:
Argentina
Brazil
Chile
South Korea
Peru
Thailand Visa Exemptions for up Non-Ordinary Passport Holders
If you have a diplomatic or service passport issued by one of the following countries you can travel to Thailand for up to 90 days:
Albania
Argentina
Austria
Bangladesh*
Belarus
Belgium
Bhutan
Brazil
Chile
Colombia
Costa Rica
Croatia
Czech Republic
El Salvador
Estonia*
France*
Georgia
Germany
Hungary
India
Israel
Italy
Japan
Kosovo
Latvia
Liechtenstein
Luxembourg
Malaysia
Mexico
Montenegro
Morocco
Netherlands
Nepal
Panama
Peru
Philippines
Poland
Romania
Russia
Serbia
Slovakia
South Africa
Spain*
Sri Lanka
Switzerland
Tajikistan
Tunisia
Turkey
Ukraine
Uruguay
*Applies to holders of Diplomatic passports only.
Do I Need a Thailand Transit Visa?
Yes, if you typically need to have a visa for Thailand, then you must also apply for a Thailand Transit Visa if you’re transiting through the territory of Thailand on your way to a third country.
Do I Need a Thailand Airport Transit Visa?
Foreigners transiting in a Thai airport do not need to have a Thailand airport transit visa if:
Their connecting flight is in less than 12 hours
Their flight is booked on the same ticket
They do not leave the international airport transit area
Have the necessary documents for the final destination
Note: According to International Air Transport Association’s (IATA) Timatic, this rule does not include Pakistan nationals or foreigners traveling through the following airlines: Angkor Air, Beijing Capital Airlines, Business Air, Cebu Pacific, Eaststar Jet, Golden Myanmar Airlines, Indigo, Jeju Air, Jet Asia Airways, Jetstar, Jetstar Pacific, Jin Air, JuneYao Airlines, Lao Central Airlines, Mandara Airlines, Norwegian Air, Okay Airways, Orient Thai Airlines, Regent Air, Scoot, Shandong Airlines, Shanghai Airlines, Shenzhen Airlines, Siberia Airlines, Sichuan Airlines, South East Asian Airlines, Spice Jet, Thai Smile Airlines, Tianjin Airlines, Trans Aero, Turkmenistan Airlines, T’way Airlines, Ural Airlines and VietJet Air.
Who Is Eligible for a Thailand Visa on Arrival?
Nationals of the following countries are eligible to apply for a Thailand Visa On Arrival:
Bulgaria
Bhutan
People’s Republic of China
Cyprus
Ethiopia
Fiji
Georgia
India
Kazakhstan
Malta
Mexico
Nauru
Papua New Guinea
Romania
Russia
Saudi Arabia
Taiwan
Uzbekistan
Vanuatu
How Do I Get a Visa for Thailand If I Need One?
If you are not exempt and you are not eligible for a Visa On Arrival, you have to apply for a Thai visa at a diplomatic mission office of Thailand (Embassy or Consulate) in your country. You have to:
Contact the Thailand Embassy or Consulate in your country or the one nearest to you to make an appointment and learn about any specific visa application requirements.
Submit the documents and pay the fee. Depending on which Embassy/Consulate you apply in, you can submit the application:
In-person
Through the post, in which case you have to enclose a pre-paid and self-addressed envelope
Wait for the application to be processed
Collect the passport and visa. If you applied by mail, they will be mailed back to you. If your Thailand Tourist Visa is approved, you have to enter the country within the time stated on your visa.
How to Travel to Thailand If I Don’t Need a Visa? If you are from one of the countries that are exempt from Thai visas, you can enter with just your passport, which must be valid for at least another six months. You can stay for the duration that the visa-exemption allows (up to 14, 30, or 90 days). If you want to extend your stay beyond the period that’s allowed, you may be able to apply for an extension at the Thai Immigration Bureau office in Bangkok for a fee of 1,900 Thai Baht. If you overstay without a formal extension, you will be fined. The fees start from 500 Thai Baht per day and may reach up to 20,000 Thai Baht per day if you overstay for more than 40 days. However, in order to work or live in Thailand long-term, you will have to get the relevant visa from a Thailand Embassy or Consulate. Can I Get a Thailand Visa Online? For the moment, only citizens of a few countries can submit their Thai Visa applications online: China, Britain, and France. That’s because, in December 2018, the Thailand Ministry of Foreign Affairs announced that it would launch a new electronic application system for Thai Visas in order to facilitate tourism. In February 2019, Chinese nationals became the first to be eligible for the Thai eVisa with British and French nationals joining them in April. But in the following three years, citizens of all foreign countries with which Thailand has diplomatic relations are expected to become eligible for Thai eVisas. If you are eligible, you can apply for a Thai Tourist Visa online here, although you will still have to visit the office of a Thailand diplomatic mission to have the visa stamped on your passport.
Required Documents For Thailand Visa Application
Every foreign citizen who needs a Thailand Visa has to apply for one from the Thai Diplomatic Missions abroad. However, when you submit a Thailand Visa application, you need several supporting documents. The Thailand Visa requirements change depending on the purpose of your visit to Thailand, but there is a standard set of documents everyone must have.
Thailand Visa Requirements
Everyone, regardless of their purpose of travel, must submit these documents when they apply for a Thailand Visa:
Your passport, which is valid for at least another six months and has at least two blank pages for the visa and entry stamps.
If you’re applying for a one-year visa, your passport should be valid for at least another 18 months.
A completed and signed Thailand Visa application form. Depending on where and how you are applying, you can download the form through the website of the embassy/consulate or get it there if you apply in person.
Passport-sized picture of yourself, with the following specifications:
Dimensions: 3.5 cm x 4.5 cm*
White background
Taken within the last six months
You must have a neutral facial expression, staring straight ahead
Your entire face must be fully visible
Headgear is only allowed for religious purposes and even then, only if it does not cover the face
Glasses are allowed only if they do not cover your eyes and do not have heavy frames
Additional documents depending on the purpose of your travel (see below)
* Some Thai Embassies or Consulates may require you to submit a differently-sized picture. If you are changing the category of your visa while in Thailand, the Immigration Department may also have its own Thailand photo size requirements, so it is important to ask beforehand.
Thailand Visa Requirements for Tourism
If you travel to Thailand for tourism, you need the following additional documents:
Proof of sufficient financial funds to cover the duration of your stay (eg. bank statements)
Proof of accommodation in Thailand, such as a hotel reservation or a letter of invitation from a friend.
If you are visiting family/friends in Thailand:
Proof of relationship
Letter of Invitation
If you’re applying for a multiple-entry visa:
Proof of employment:
Letter from your employer if you are employed
A self-assessment and/or your company’s registration document if you are self-employed
A letter from your school if you are a student.
Documents proving you need a multiple-entry visa
Thailand Visa Requirements for Employment Purposes
The additional documents you need when you apply for a Thailand Work Visa are:
A Letter of Approval issued by the Thailand Ministry of Labour. Your employer in Thailand has to submit an approval request at the Office of Foreign Workers Administration in the Department of Employment of the Thai Ministry of Labour.
If you will work as a school teacher at a pre-university level:
Letter of acceptance from the educational institution
A Letter of Approval issued by a relevant Thai government agency, such as the Office of the Private Education Commission or the Office of the Basic Education Commission.
The school’s license or business registration along with the list of stockholders and the school’s profile
Your CV
Proof of sufficient financial means to cover the duration of your stay. You need 20,000 Thai Baht if you are traveling alone and 40,000 Thai Baht if you are traveling as a family.
Police Certificate issued by the police authorities in your country of nationality and certified by a Notary Public.
Thailand Visa Requirements for Spouses of Thai Citizens
If you are applying for a Thailand Marriage Visa, you need the following additional documents:
Copy of the Marriage Certificate (legalized/notarized and signed by the spouse)
Copy of your Thai spouse’s passport and Identity Card (signed by the spouse)
Proof of your Thai spouse’s financial status. They must submit bank statements showing at least 400,000 Thai Baht in total or a monthly income of 40,000 Thai Baht
Thailand Visa Requirements for Business Purposes
The additional documents for a Thailand Business Visa application are:
A letter from your employer, which states your position, how long you have been employed, your salary, and the reason you’re visiting Thailand.
A Letter of Invitation from the company in Thailand
Documents proving correspondence with your business partners in Thailand.
Documents from the inviting company in Thailand, such as:
Their business license and business registration
The list of company stockholders
The company profile
The details of the business operation
The company’s balance sheets, Income Tax and Business Tax statements for the past year
The company’s location shown on a map
Proof of sufficient financial means to cover the duration of your stay. You need 20,000 Thai Baht if you are traveling alone and 40,000 Thai Baht if you are traveling as a family.
Thailand Visa Requirements for Retirement Purposes
If you are applying for one of the types of Thailand Retirement Visas, you need the following additional documents:
Proof you meet the financial requirements for a Retirement Visa, through one of the following (as is applicable):
Bank Statements and Letter of Guarantee showing the deposit in the Thai Bank.
Bank statements showing an annual income of no less than what is required.
*Bank Statements have to be certified by a Notary Public.
Police Certificate issued by the police authorities in your country of nationality and certified by a Notary Public.
Health Certificate issued in the past three months showing you are not infected with one of the prohibited diseases (Leprosy, Tuberculosis, Elephantiasis, Addiction (Drug/Alcoholism), or Third Phase Syphilis). The certificate has to be certified by a Notary Public.
Proof of health insurance with annual coverage of at least 40,000 Thai Baht for outpatient treatment and at least 400,000 Thai Baht for inpatient treatment as detailed by the Thai General Insurance Association.
Thailand Retirement Visa processing fee
Thailand SMART Visa Requirements
If you qualify for a Thailand SMART Visa, you need the following documents to support your application:
SMART Visa application form, suited to the type of visa you are applying for
Police Certificate issued by the police authorities in your country of nationality and certified by a Notary Public.
If you are already living in Thailand: Police Certificate issued by the police authorities in Thailand.
Health Certificate issued in the past three months and certified by a Notary Public, proving you are not infected with one of the prohibited diseases (Leprosy, Tuberculosis, Elephantiasis, Addiction (Drug/Alcoholism), or Third Phase Syphilis).
Copies of academic qualifications, certificates, or endorsements related to your area of expertise
Copies of publications, research projects, intellectual property and awards you may have
Proof of previous employment, such as a letter from your previous employer (not required for SMART Visa O)
If someone else is submitting the application on your behalf: include the power of attorney.
Thailand Visa Requirements for International Students
If you want to study in Thailand, you need the following additional documents:
A Letter of Admission from your school in Thailand, addressed to the Thai Embassy or Consulate in which you will apply.
Approval from the Ministry of Education, if the school is a private institute.
The Thai School or Institution’s registration documents
Proof of sufficient financial means to cover the duration of your stay. You need 20,000 Thai Baht if you are traveling alone and 40,000 Thai Baht if you are traveling as a family.
If your course is longer than 1 year: Police Certificate issued by the police authorities in your country of nationality and certified by a Notary Public.
Thailand Transit Visa Requirements
If you’re lodging an application for a Thailand Transit Visa, the additional documents you need are:
If transiting through Thailand on your way to a third country:
Proof of onward travel, such as a paid and confirmed travel ticket
Visa for the third country, is a visa is required
If traveling to participate in a sports event:
A Letter of Invitation stating your participation
A Letter of Confirmation from the organization in your home country
If traveling as a crew member of a conveyance:
A Letter of Confirmation from your employer, stating the purpose of entering Thailand
Proof of travel routes or permission to park, if applicable
Proof of sufficient funds to cover the duration of your stay. You need 10,000 Thai Baht if traveling alone and 20,000 Thai Baht if you are traveling as a family.
Hotel booking
Requirements for Thailand Visa On Arrival
If you are one of the foreigners who qualify for a Thailand Visa On Arrival, you need the following documents:
Your passport, which is valid for at least another 30 days from the date of entry
The printout of the Thai Visa On Arrival Application Form
A picture of yourself pasted on the application form
A confirmed return travel ticket, which is dated within the next 15 days
Proof of accommodation in Thailand. You must give a valid address in Thailand which can be confirmed, such as the address of a hotel or apartment. You can show your hotel reservation, for example.
Proof of sufficient financial means for the duration of your stay. You need 10,000 Thai Baht if you are traveling alone or 20,000 Thai Baht if you are traveling as a family.
Keep in mind
This is not an exhaustive list of the required documents and only meant to serve as a guide. The visa officers handling your application can ask you to submit additional (or fewer) documents, as they see fit.
Several of the documents you submit may have to be legalized by the relevant government bodies in your country or the Thai Embassy before submission.
The documents you submit have to be either in Thai or in English, as requested by the specific Thai Embassy/Consulate. Those that are not already, have to be translated by a professional translator.
Complete Guide to Obtaining Travel Medical Insurance for Thailand
Traveling to Thailand will definitely be an experience to remember life-long. With its ancient ruins and countless temples, the canals and floating water markets, the sunny tropical beaches, and modern cityscapes, there is a plethora of things to do and see – and it may not even be that expensive. Moreover, if you need medical assistance, you can be comforted to know that Thai doctors are highly qualified. That said, it is still a good idea to get travel insurance for Thailand.
Is Travel Insurance for Thailand Mandatory?
The Thai government has been planning on issuing a law that requires foreigners to purchase travel insurance at the airport before entering Thailand, but it still isn’t in effect. So, as for now, you don’t necessarily need travel insurance – you can still enter without it.
But should you still get Thailand travel insurance?
Yes, you are highly advised to get travel insurance for Thailand. If nothing, you will at least have peace of mind knowing that you won’t need to pay enormous amounts of medical bills in the event of an accident or sudden illness.
Thailand brought up the idea of compulsory travel insurance in 2019, as a result of a number of accidents involving tourists which had happened the year before. This insurance, however, would still not cover all aspects as regular travel insurance does as it is focused mainly on medical emergencies. For more comprehensive coverage, like missed flight, luggage, etc., you’d still need to buy your regular travel insurance.
The good news, if they do pass the law for compulsory travel insurance, is that it is planned to cost as little as 20 Thai Baht for a 30-day stay (which is less than $1).
Where Can I Get Travel Insurance for Thailand?
You can get travel insurance for Thailand from most local travel insurance companies as well as online, which is one of the most convenient methods.
There are different comparison websites, such as VisitorsCoverage, whose purpose is to act as brokers between travel insurance companies and clients. Via these websites, you can compare travel insurance plans from different companies and choose one that you feel is best for you. Then you can just purchase the policy online, follow the instructions, and you are good to go.
If you are traveling as part of an organized tour, your tour agency may also offer you travel insurance as part of the package deal. In these cases, although convenient, it is not always recommended to purchase the travel insurance you’re being offered. It is usually at a higher price than normal, and it may not offer all the coverage you are comfortable with when travelling. If you can, it’s always a good idea to read the policy very carefully, and if you think it is a good deal, and you have all the coverage you need, then go ahead and purchase it. If not, then opt-out and get an alternate insurance policy which will be most suitable for your needs.
Regardless of the method, you choose to get travel insurance for Thailand, make sure to always read the policy rules very carefully. Even read the fine print and sub-clauses so that you know just how much coverage you have, and are not surprised by unexpected bills down the road.
Are All My Activities Included in Thailand Travel Insurance?
No, not all activities are included in travel insurance coverage. Most Thailand travel insurance plans will cover medical emergencies related to a sudden illness or an accident. However, if the accident was a result of recklessness (such as drunk driving) or from an activity which is considered “high risk” (e.g. bungee jumping), then you will have to cover the medical treatment costs yourself.
Travel insurance companies usually have a list of activities they cover as well as exclusions. This will depend on the specific plan, but things like swimming, kayaking, trekking, and surfing are usually always covered. On the other hand, scuba diving, rock climbing, sailing, white water rafting or bungee jumping, which have a higher degree of risk, are usually only covered under certain circumstances and will cost more to be covered.
Again, the best way to know what activities are covered in your insurance policy for Thailand is to carefully read it. In most cases, you will be able to purchase extra coverage for some activities, but it will naturally cost more.
What Should Travel Insurance for Thailand Include?
Any good travel insurance plan for Thailand should include at least basic coverage for the following:
Medical emergencies. If you get into an accident or get sick while in Thailand, travel health insurance will cover the cost of medical treatment you receive.
Trip cancellation or interruption. If your trip is interrupted for some reason, or you have to cancel, then travel insurance will reimburse you for any losses due to non-refundable reservations.
Theft, loss, damage of possessions. If your possessions are lost, stolen, or damaged during your trip, your insurance will reimburse you (up to a certain amount) for the loss.
Emergency evacuation or repatriation. This type of coverage will cover the costs of any expenses incurred if you have to be flown back to your country in an emergency (e.g. air ambulance).
Optional travel insurance coverage (i.e. things that are not always included in a standard plan, but which you can add by paying extra) includes:
“High-risk” or adventurous activities
Personal liability
Terrorism coverage
When Should I Get Travel Insurance for Thailand?
You should get travel insurance once you start making the first deposits on your trip to Thailand or buy the flight ticket. It is recommended to purchase travel insurance at least two weeks before you are set to travel so that you can have full coverage for trip cancellation or delayed flight.
Some insurance companies do not accept claims for cancellation if you have purchased travel insurance less than two weeks in advance.
Is Travel Insurance for Thailand Expensive?
The cost of travel insurance depends on several factors, such as your age, length of trip, where you have purchased it, and just how much coverage you want. In most cases, you can expect to pay about 4% to 10% of your overall trip costs in travel insurance.
Healthcare in Thailand for Tourists
Healthcare in Thailand is of excellent quality, so if you do happen to find yourself in a medical emergency, you should rest assured you will be well taken care of. Thailand has both a private and public healthcare system and provides universal healthcare to all Thai nationals. Tourists will have to pay the cost of treatment themselves or through travel health insurance.
The public healthcare system in Thailand has qualified doctors, but the hospitals are known for long waiting times and lower quality medical equipment as opposed to the private sector. Private healthcare, on the other hand, is of equally excellent quality and better equipped. They are expensive, however, and will often require you to show proof of funding or travel insurance before you receive treatment.
Is Thailand Safe to Visit?
Yes, Thailand is a generally safe place to visit. Naturally, you have to be careful of the usual travel risks, such as pickpocketing, scams, and food poisoning, but there is no greater risk in visiting Thailand as opposed to other countries. In fact, Thailand is considered one of the safest countries in Southeast Asia for tourists.
Note: The US and UK travel advisories urge against travelling to the Yala, Pattani, Narathiwat, and Songkhla regions of Thailand due to civil unrest.
Complete Guide to Obtaining Disability Travel Insurance
Obtaining travel insurance can be a daunting task even without having to worry whether you will be covered for any complications due to a disability.
You have to read the policy carefully (even the fine print!) become familiarized with all the travel insurance jargon, and then decide whether a policy will suit your needs or not. Add to that the fact that finding a travel insurance policy that will adequately cover disabilities or pre-existing conditions is not easy, it can seem like quite a feat. But don’t be discouraged – it is not impossible or even as hard as it seems.
So, Does Travel Insurance Have Disability Coverage?
Yes, some travel insurance companies do have coverage for disabilities and pre-existing conditions, but not all. Disability travel insurance is not included in policies by default and in the majority of cases, disabled people will have to pay more to get the additional coverage they need.
You can find coverage for the following instances (on top of the standard travel insurance coverage):
Medical treatment related to your disability/pre-existing condition.
Loss or damage of disability and mobility equipment.
Replacement of essential medication.
Replacement of an essential carer.
In the end, it really comes down on a case-by-case basis and you have to contact a travel insurance company to discuss how your disability fits into their policies.
The coverage for physical disability changes depending on the type of disability it is and whether it is “stable”.
What Is Considered a Disability in Travel Insurance?
What travel insurers consider a disability and what is considered a disability by a country’s government can sometimes change. Travel insurance companies will refer to a disability or illness as a “pre-existing condition”, which is a medical condition for which you have received treatment or diagnosis prior to purchasing the policy.
This can include conditions such as:
Chronic illnesses such as cancer, diabetes, heart conditions etc.
Physical disabilities.
Vision or hearing impairments.
Psychological conditions such as mental illnesses.
What Disabilities Does Travel Insurance Cover?
There are certain conditions that travel insurance companies can cover without any additional costs. If you have a hearing or vision impairment or a mobility disability which requires the use of a wheelchair, you will likely be covered for it, provided you didn’t need medical assistance or treatment about it in the last year.
In other words, if your condition is considered “stable”, you will have less difficulty finding travel insurance with adequate coverage.
You can also receive coverage for pre-existing conditions such as hypertension, asthma, diabetes, lung diseases, epilepsy, coronary problems, etc. provided that it has been stable for a specific period of time (depending on the policy). In this case, you will have to pay extra to have your condition covered, and you may be asked to present a doctor’s certificate.
What Disabilities Does Travel Insurance Not Cover?
You will not be covered for any condition that is unstable, terminal in nature, or that carries a high risk of complications or fatality.
When buying disability travel insurance, remember:
Let your travel insurance provider know about it. You have to disclose your condition/disability to the travel insurance provider when you purchase the policy. This will mean you have to pay more for the policy, but if you do not disclose your condition, you will not have coverage for it.
Buy the policy as soon as you book your trip. It is always recommended to purchase travel insurance as soon as you book your trip because then you will have more coverage in case you need to cancel at some point. If you have a condition that may potentially get worse and disrupt your travel plans, it is even more advisable to buy travel insurance as soon as you can.
What Companies Provide Travel Insurance for People With Disabilities?
Naturally, travel insurance policies are different depending on which country you are living in, as well as where you are going to. What’s more, not all travel insurance companies will offer coverage for disabilities or pre-existing conditions.
You can purchase travel insurance through local travel insurance companies such as:
AXA Assistance USA.
HTH Travel Insurance.
Seven Corners Travel Insurance.
Travelex Insurance Services.
TravelSafe Insurance.
Trawick International.
USI Affinity.
For travelers from the UK and EU countries
Travel insurers that offer coverage for people with disabilities and pre-existing conditions living in EU countries and the UK
CompaniesMedical emergencies coverageRepatriationBaggage coverageTrip cancellationCedar Tree Travel InsuranceUp to £15 millionUp to £15 millionValuable Item Limit: £150 – £300Up to £2,000CoverForYou Travel InsuranceUp to £15 millionUp to £15 millionUp to £2,500 per personUp to £5,000RAC Travel InsuranceUp to £10 millionUp to £10 millionUp to £1,000 per personUp to £1,500MakeSure Travel InsuranceUp to £10 millionUp to £10 millionUp to £2,000 per personUp to £5,000SwitchedOn InsuranceUp to £15 millionUp to £10 millionUp to £2,000 per personUp to £5,000
For travelers from Australia
Travel insurers that offer coverage for people with disabilities or pre-existing conditions living in Australia:
Southern Cross Travel Insurance
1Cover
Simply Travel Insurance
No Worries Insurance
Medibank Make sure to ask the agents whether they offer disability travel insurance, and be sure to research the policy and company fully.
Do I Have to Disclose My Disability to Travel Insurers?
You don’t technically have to disclose your disability to your travel insurance company. Disclosing it will mean that they can charge you extra for a policy because you can be considered high risk.
However, if you are worried that your disability will cause you to seek medical treatment in a foreign country or force you to cancel your trip, you do have to disclose it. If you do not, then the travel insurance company can refuse to accept any claims you make that are related to your disability or pre-existing condition.
Do I Have Travel Insurance For My Medical Equipment?
Coverage for loss or theft of your luggage is part of most standard travel insurance plans, and your medical equipment can count as “luggage”. So, yes, you can find a company that will cover your mobility or hearing aids, but it will not be for the full price of the equipment.
Most policies exclude valuable or expensive items by default, so if your wheelchair or hearing aids are on the more expensive side, they may not be automatically covered, but you can choose to pay more on premiums and have enough coverage for it as well.
Note:
You will not be reimbursed for the full price of your belongings. There is usually a limit to how much the company will pay per item (it can be between $500 to $2,000, depending on the policy).
You will not be reimbursed if you lose or damage your belongings because of “recklessness” (i.e. if you leave them unattended).
The travel insurance company will ask for the receipts showing the cost of the items that were stolen, damaged or lost before they consider your claim. They will also ask to see a police report or report from the airline that they have misplaced your luggage/items. Read the policy rules to learn what you need to present in case you have to make a claim.
Disability Travel Insurance Coverage for Mobility Aids (Wheelchairs)
If you are travelling with a wheelchair, especially by air, you will likely have to store it away before boarding, which leaves it susceptible to theft, damage, or loss. The travel insurance company you choose may already offer coverage for your wheelchair unless it is on the “exclusions”* list. Find a travel insurance company which does not exclude wheelchairs or expensive items from their list, and if you are still unclear, ask them about it specifically.
If you have an electric wheelchair, then you will have to purchase additional insurance to cover it because that is considered an expensive item, and is not likely to be included on a standard policy.
Disability Travel Insurance Coverage for Hearing Aid
Hearing aid also falls into a similar position as wheelchairs. Because they are a possession, they can already be covered under a standard insurance policy, but it is always smart to double-check.
Additionally, the cost of the hearing aid also plays a role into how much coverage you get. If it is on the higher range of prices, it can be on the “exclusions”* list, which means the insurers are not obliged to reimburse any costs related to it or they will only pay a small portion.
*A list of items which the insurance policy will not offer you coverage for if you lose or damage them. They are usually listed on the policy. This can include specific items, such as electronics or designer clothing.
Disability Travel Insurance Coverage for Loss of Essential Medication
Another important part of travelling abroad with an illness or medical condition is medication. There are travel insurance policies which will offer you coverage for loss of your essential medications.
If you lose your medicine while you are travelling, your insurers will partly or fully cover the cost of replacing them, according to the rules on the policy.
Travel Insurance Coverage for a Replacement Caregiver
If you are reliant on a caregiver because of your disability, there are travel insurance policies which will help you continue your trip even if your caregiver is suddenly unable to join you. They can do this by offering reimbursement or paying for the extra cost that getting another caregiver to join you on the trip can add up to.
So, if your original caregiver cannot come, the insurance company will pay (up to a certain amount) for travel and accommodation costs so that you don’t need to cancel your trip as well.
For this to be possible, the original caregiver must have been included on the same policy as you.
Is There Travel Insurance With Mental Disability Coverage?
Unfortunately, you may find it difficult to find a travel insurance company that actively offers coverage for treatment of mental illnesses such as anxiety or depression, schizophrenia, or bipolar disorder but it is not entirely impossible.
If a travel insurer does offer coverage for mental health, then they will likely ask you to undergo an assessment first to determine your state prior to the travel. The insurance company can offer you coverage if you are not actively struggling with any mental health problems at the time you purchase the policy, and you can prove that you have not dealt with mental health problems in the past 1-5 years.
Another instance in which travel insurance companies offer mental health coverage is if the mental illness appears for the first time ever during the trip.
What If I Have to Cancel My Trip Because of My Disability?
Travel insurance plans usually have a list of what is considered a “valid” reason for reimbursement if you cancel your trip. Suddenly becoming ill, getting into an accident, or other health-related reasons usually make the cut.
However, they may refuse to offer coverage if it is for a pre-existing condition. This is why it is important to ask the insurers and read the policy carefully for what is included and what is not.
If you are worried that your disability may stop you from going on a trip you have paid for, you can always consider “Cancel For Any Reason” coverage, which is just as the name suggests: You can cancel your trip and will be covered, whatever the reason is.
There are, of course, some rules and it is more expensive than other cancellation policies, but if you have invested a large sum of money on a trip, it may be worth it.
What Should a Good Travel Insurance Policy Include?
When you are buying a travel insurance policy, you have to look for one that has comprehensive coverage for common travel disturbances in addition to disability travel insurance. This includes:
Adequate health insurance. If you get into an accident or get sick during your trip, a standard travel insurance will pay for doctor consultations, emergency services, hospitalization, and even surgery, prescription drugs and medicine. Usually, travel health insurance is for medical emergencies unrelated to pre-existing conditions, but you can add more coverage to suit your needs, if necessary.
Trip cancellation, interruption, or curtailment. If your trip is cut short or cancelled for some reason, the travel insurers will partly reimburse any lost travel or accommodation costs.
Lost, stolen, or damaged possessions. This can also include any medical equipment you bring with you.
Repatriation or emergency evacuation. If you have to be emergently evacuated from a foreign country, the insurance policy can pay for the cost of the emergency air ambulance or repatriation.
Missed flight. If the flight you missed was through no fault of your own (ie. the airline rescheduled or had a delay) the insurance company will cover any expenses related to it.
Personal liability. Although this is not a “standard” travel insurance item, some travel agencies will offer coverage if your actions cause bodily injury to someone or damage someone’s property.
Will EHIC Cover Disability Insurance?
The good thing about the EHIC (European Health Insurance Card) is that it will give the holder access to inexpensive or free public healthcare in another EU country. However, the EHIC is not a substitute for comprehensive travel insurance.
You will not be covered if you need treatment in a private facility, if you have to be evacuated, or if your medical equipment is lost, damaged, or stolen.
Of course, if you are an EU national, it is a good idea to have the EHIC with you when you travel, but if you want adequate coverage, you also need travel insurance.
Complete Guide to Travel Insurance for Medicare Holders
If you are planning a trip abroad, you may be wondering whether your Medicare insurance will cover your medical expenses overseas.
Medicare is the US federal government program which provides health insurance coverage for US nationals over the age of 65, or those under 65 years who receive Social Security Disability Insurance (SSDI) or are diagnosed with End-Stage Renal Disease (ESRD).
It is a health insurance plan for US citizens to provide them with medical coverage in the USA. As such, there is no (or very limited) coverage for international travel. Instead, US citizens travelling abroad can choose to purchase comprehensive travel insurance.
What Countries Accept US Medicare?
You can only use Medicare in the USA and its territories. This includes the 50 US States as well as its territories: Puerto Rico, the Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.
Do I Have Medicare Coverage Abroad?
No, in most cases, Medicare does not offer coverage for medical treatment outside the US or its territories. Medicare does not cover international travel. The instances where you could potentially be covered abroad are very limited, as follows:
You’re within the US when you have a medical emergency, but a foreign hospital is closer to your location than the closest US hospital than can treat your emergency.
You are within Canada, on your way back from Alaska. If you have a medical emergency as you are travelling across Canada without “unreasonable delay”* directly between Alaska and another US state and a Canadian hospital is closer than a US hospital.
Non-emergencies: Only if you live in the US but the hospital that can treat your medical condition closest to you is a foreign hospital rather than a US hospital.
*To be determined by Medicare on a case-by-case basis.
If you fit into one of the situations described above, then you can be reimbursed for medical expenses (part A and B) as follows:
Inpatient hospital care, when you have been admitted in a foreign hospital with a doctor’s order
Emergency services (ambulance and doctor care). This includes the services you receive immediately prior to and during your hospital stay.
Basically, in the instances described above and only those, you will be covered in the same manner as you would in the US, including all coinsurance/copayments and deductibles.
To be covered for medical emergencies abroad, you have to purchase a travel health insurance plan from a reputable insurance company. In some cases, the so-called Medigap policies will also offer health insurance for foreign medical care, but it is usually more limited than that received from an actual travel insurance plan.
Medicare Travel Insurance: What Options Do You Have?
If you are travelling internationally, you can purchase a travel insurance plan which will cover your medical expenses abroad.
Travel insurance policies, unlike Medicare, offer more than simply health insurance. The best travel insurance policy should have at least the following coverage:
Medical treatment. If you fall ill or get into an accident during your trip, your travel insurance will cover for medical treatment, doctor consultations, emergency services, hospitalization, surgery, prescription drugs and medicine, etc.
Trip cancellation, interruption, or curtailment. If you have to cut your trip short or cancel it for some reason, you will be partially reimbursed for any lost travel and or accommodation costs.
Lost, stolen, or damaged possessions. As long as it is due to recklessness, travel insurers can reimburse you for a part of the cost of your lost or damaged luggage.
Repatriation and evacuation, in case of an emergency.
Medicare Travel Insurance Plans
Some travel insurance plans which offer coverage for US citizens over the age of 65 travelling abroad are:
Atlas International
No Co-Insurance; 100% of medical costs covered after the deductible is paid
Available coverage: $50,000 to $2 million
For ages 70-79: maximum coverage is limited to $50,000, $250,000
For ages over 80: maximum coverage is limited to $10,000.
Up to $10,000 in trip disruption
Patriot International
Available Coverage: from $50,000to $1 million
Ages 70+: Limited to $50,000
Ages 80+: Limited to $10,000
After deductible, the plan pays 100% up to the policy maximum.
Liaison Travel Basic
No Co-insurance. For trips outside the US, the plan will pay 100% up to policy maximum, after the deductible is paid.
Available coverage: $50,000 to $1 million
Ages 80 and over: Limited to $10,000
Liaison Travel Choice
No Co-insurance. For trips outside the US, the plan will pay 100% up to policy maximum, after the deductible is paid.
Available coverage: $50,000 to $1 million
Ages 80 and over: Limited to $10,000
If you have a pre-existing condition, you can look at travel insurance plans which offer coverage for the acute onset of a pre-existing condition.
What If I Have a Medigap? Medicare Supplement Policy for Foreign Travel
Since Medicare does not cover 100% of your medical needs, a Medigap is a supplement policy which is purchased to fill in the “gaps” leftover from Medicare. Your Medigap policy will cover you for medical emergencies abroad if you have purchased a policy which includes travel health insurance.
These are known as plans C, D, E, F, G, H, I, J, M, and N, and can cover up to 80% of your medical bills abroad after you pay a $250 deductible. They also have a lifetime limit of $50,000.
However, to make sure, you have to contact your Medigap policy provider and ask them where you stand on medical travel insurance abroad and just how much coverage you need.
Remember that Medigap policies are not as comprehensive as actual travel insurance policies, which include higher limits, evacuation coverage, as well as coverage for trip cancellation or disruption.
If you do not have a Medigap policy, you can find plans on the official US website for Medicare after you enter your ZIP code (here).
Does Medicare Cover Prescription Drugs Abroad?
No, Medicare does not offer reimbursement for any prescription drugs you purchase abroad. You will have to purchase a travel health insurance policy with adequate coverage for prescription drugs and treatment. See above.
Can I Use Medicare for Medical Treatment on a Cruise?
Just as with trips to a foreign country, Medicare will not cover your medical expenses that occur during a cruise. But there is a very small window, starting from when the cruise starts, during which you have Medicare protection:
The present doctor is authorized to provide medical care to you
The ship is still in US waters, not international waters, and
The ship is within 6 hours away from a US port, regardless of whether it is an emergency or not. If you are more than six hours away from the port, then Medicare will not cover your medical expenses.
Does Medicare Cover Dialysis Abroad?
No, Medicare cannot be used to get any medical treatment as you’re travelling internationally, including dialysis. The only time when Medicare could potentially cover dialysis is if t is an emergency and:
You are in the US, but the nearest hospital that could offer you dialysis is a foreign hospital; or
You are in Canada, on your way back from Alaska, and the nearest hospital that could offer you dialysis is in Canada
What If I Become Eligible for Medicare When I Am Abroad?
If you are a US national living abroad, and you become eligible for Medicare (you turn 65), then you can request Medicare enrollment forms from the United States Embassy or Consulate in the country where you currently live. You don’t necessarily need to return to the US just so you can enroll.
You will also receive a letter from the Social Security Administration (SSA), informing you that you’ve reached your Initial Enrollment Period (IEP) and a form which you can use to request the enrollment pack. You may have to send the forms and required paperwork via certified mail.
If you are not eligible for premium-free Medicare Part A, then you may actually have to go to the US to enroll. Additionally, if you do not enroll during the Initial Enrollment Period (IEP), you may have to wait for the General Enrollment Period, which starts from January to March.
Can I Use Medicare If I Retire Abroad?
No, if you choose to spend your retirement outside the US, Medicare will not reimburse you for any medical expenses that you have abroad. Medicare only covers medical treatment within US states and territories (see above).
If you are retiring abroad, then you will likely have to obtain private expat health insurance within the country you are in or (if available) enroll in a government health insurance plan. This, of course, changes depending on which country you’re retiring to.
But you can still keep Medicare, which will cover your expenses if you return to the US.
Can I Still Keep Medicare in the US If I Am Living Abroad?
If you are currently living abroad, you can continue to keep your Medicare coverage in the US with no additional costs, if you are eligible for the premium-free Part A (i.e. if you do not have to pay a monthly fee for Medicare). Part A is free in most cases, but the same is not for Part B, which covers outpatient care and other healthcare providers’ services. Since Part B coverage does require you to pay a premium, then in order to keep the plan, you will have to continue paying the monthly installments.
But remember that despite keeping your enrollment in Medicare active, you won’t be able to actually use Medicare to pay for medical expenses if you are outside the US or its territories.
So, if you do not intend to return, you have medical insurance in the country you are living, or you are volunteering in a non-profit organization which is tax-exempt, you can re-consider keeping the enrollment active.
Also remember that if you stop your Part A enrollment, you may be required to pay back all the benefits you have received to the Social Security Administration (SSA).
European Health Insurance Card
Many of the developed countries in Europe have a very high level of collaboration in many terms. From the abolition of border checks to the creation of a common work market, these countries have shown the will to facilitate moving from one country to the other, for their residents. They have created facilities not only for traveling but for studying, working and living as well.
Yet, traveling, even in short distances, keeps many people under apprehension. The idea of something unpleasant, as a sudden accident or health complication, stops many from taking a trip.
Breaking a limb, getting flu or a cold, involving in a traffic accident… everything can happen during a trip, as it would happen if you were at home. Besides, the thought of having to take the trip back home, only to receive medical care, is quite scary. It is even scarier to think of paying tons of money, if you ever find yourself in such a situation.
The member states of EU / EEA / EFTA have thought about such an issue, and created two ways to make it easier for their residents when traveling within this region. These ways are:
European Health Insurance Card
What is the European Health Insurance Card?
The European Health Insurance Card is a document for people on a temporary stay in any of the following countries, who are also nationals of any of them:
AustriaGermanyMaltaBelgiumGreeceNetherlandsBulgariaHungaryNorwayCroatiaIcelandPolandCyprus (Southern)Republic of IrelandPortugal (including Madeira)Czech RepublicItalyRomaniaDenmark (including the Faroe Islands and Greenland)LatviaSlovakiaEstoniaLiechtensteinSloveniaFinlandLithuaniaSpain (including the Balearic Islands and Canary Islands)France (including Martinique and Guadeloupe)LuxembourgSweden
SwitzerlandUnited Kingdom (Channel Islands and Isle of Man do not supply coverage under the EHIC)
This document entitles its holder to receive necessary state-provided medical care, in any of the above-mentioned countries, just as the residents of that country.
Obtaining a European Health Card, shortly referred to as EHIC, is free. It enables you to receive medical care in one of these countries, in case of medical emergencies during the trip. In addition, you will also be able to get the proper medical care for a pre-existing condition that flares up while you are abroad, or that requires monitoring and attention, i.e. Diabetes.
You will have to obtain such a card at your home country. If you are traveling with your family, each family member, even children, should possess their own card. Each country has a specific EHIC application process.
The EHIC card replaces the old E111 card, which ceased to exist in 2005. If you still have an E111, and you are planning to travel to any of the EEA countries or Switzerland, then you ought to know you can no longer use it for medical treatment. Instead, you will have to get an EU Health Card.
What an EHIC is not?
Many people confuse the EHIC for things that it is not. Please keep in mind that this card is not:
An alternative to travel insurance. You are still strongly advised to obtain travel health insurance when traveling from one of these countries to the other.
A guarantee for free medical services. This card entitles you to public health services, but that does not mean all of those services are necessarily free. Some of them may be free, while for others you will have to pay.
The European Health Insurance Card does not cover:
Non-emergency treatments.
Private healthcare.
Repatriation.
Crime & lost items.
What services does an EHIC cover?
Even though, you will be able to receive all emergency medical services in any of these countries, if you have to pay and how much, depends on the specific country you are in. In simple words, if the nationals of that country pay for that service, you will need to pay too.
Following, find the services you can get with an EU health card, and costs you may have to pay for them:
Doctors. Depending on the country where you are, you may consult with a doctor free of charge, or for a low fee. Usually, doctors with whom you can consult for free, have a contract with the national health insurance fund or an equivalent institution.
Dentists. Only emergency dental cases will be treated with an EHIC. You will be able to receive dental treatment for free or lower fees from a dentist that is registered with the state healthcare system.
Hospital treatment. In some of the countries, you will be able to receive hospital treatment free of charge at university and regional hospitals under the public healthcare system. In others, you will have to pay a per-day fee, or a percentage of costs (i.e. 10%). In the cases when hospitals are free, you will have to present a doctor prescription.
Prescriptions. Depending on the type of medicines prescribed to you and the country in which you are, you will be able to get the medicines free of charge, for a lower fee, or pay them in their full price.
Ambulance. Usually, an emergency ambulance transportation if provided free of charge. However, in some countries you will need to pay a small fee, or a per kilometer percentage.
Who needs a European Health Insurance Card?
Every citizen of EEA states and Switzerland planning to travel to any of these countries should obtain a Health Insurance Card. You are highly advised to apply for an EHIC card if you are traveling for the following purposes:
To go on a holiday
To seek work
To undertake a study course
If you are a regular visitor of this area (businessperson, driver etc.)
Keep in mind, that if you are traveling from your home country to another country within this area, to exclusively, seek health treatment for your condition, you will not be able to use this card.
In order to be eligible to obtain the EHIC card, you must be covered by a state social security system in any of the EEA members or Switzerland.
As per non-EU nationals residing in the EU, they will not be able to obtain or use their cards only in the following countries:
Denmark
Iceland
Liechtenstein
Norway
Switzerland
These individuals will also need to be covered by a state social security scheme, in order to be eligible.
How to apply for an EHIC?
The application process for a European Health Card depends on the issuing country. In most countries, you will be able to apply online. In others, you may have to submit your EHIC application by post.
In order to obtain your EHIC and learn more about the application process, you need to contact the health insurance institution where you are insured. They will inform you on further procedures you may have to undertake.
European Health Insurance Card Validity
The validity of a European Health Insurance Card also differs from one country to another. I.e. in the United Kingdom, a card is valid from six months, up to five years. You can apply for an EHIC card renewal in UK six months prior to the expiration of your card’s validity.
On the other hand, in Finland, the card is valid for a maximum of two years. While in Ireland, a card is valid for four years. It is best for you to contact the health insurance institution for more information in this regard.
EHIC is valid in all EU and EEA countries, except the following:
Andorra
Isle of Man
San Marino
Monaco
Channel Islands
Vatican
European Health Insurance Card Renewal
You will be able to renew your European Health Card prior to its expiration, if you wish to. Once again, the EHIC renewal process depends on your country of residence and the way they have regulated EHIC renewal.
I.e. in the UK, you will be able to renew your EHIC card online, if your details have not changed. The renewal is free, as well. On the other hand, in Finland the competent authorities will renew your card automatically, if you are still eligible to possess it.
How does an EHIC card look like?
An EHIC card is easily recognizable. All cards, no matter which country issued them, have the same front. The only difference is that the language differs, according to the issuing country. The front of the card is purple, and contains the following information:
name
given name
date of birth
personal identification
identification number of the institution
identification number of the card
and the expiry date of the card
However, the back of the card differs from one country to another.
In case of Card Loss
In case you lose your card, you will have to apply for a new one. In addition to giving the personal details, as you do when you apply for the first time for an EHIC card, you will also need to explain how you lost it.
Retrieving your card now is very easy due to the European Health Insurance Card app, which enables you to keep your details safe.
EHIC App
The app is available in both, Android and iOS operating systems. The app is a guide on how to use the card and the covered treatments. It also explains to the cardholder what to do in case of card loss.
It is free to download and available in the following languages: German, English, Bulgarian, Spanish, Danish, Slovak, Slovenian, Estonian, Finnish, French, Greek, Dutch, Hungarian, Icelandic, Italian, Latvian, Lithuanian, Maltese, Norwegian, Polish, Portuguese, Romanian, Swedish and Czech.
Frequently Asked Questions
Can I use EHIC instead of Travel Insurance?
The EHIC is not an alternative to Travel Insurance. You will still need to have travel insurance even if you have an EHIC. The EU health card does not provide the same level of coverage as travel insurance. It does not cover private healthcare, repatriation in case of death, lost or stolen luggage etc., which travel insurance covers.
How long does it take to get an EHIC card?
It takes 10 to 15 days to obtain an EHIC. The amount of days differs from one country to another.
How should I use the card?
If you need medical treatment while in one of the EEA countries or Switzerland, to which you are not a resident, you should go at a public hospital or clinic and present your card.
Can I use private healthcare with EHIC?
No, you cannot. The card can be used only in public healthcare system.
Can I use my card anywhere else aside of EEA countries and Switzerland?
You will be able to use your card in the following countries, aside of the EEA countries and Switzerland:
Bosnia-Herzegovina
North Macedonia
Montenegro
Serbia
Keep in mind that despite the fact that the EEA countries and Switzerland can use their cards for medical treatment in these countries, if you are a national of any of the four, you are not eligible for an EHIC.
How much should I pay for a European Health Card?
The EU health insurance card is free. However, there are operators online, who claim they provide applicants with the card, for a certain amount of money. Do not fall for these websites, since you can directly apply yourself, without having to pay anything.
Should I apply for a new Card each time I go abroad?
No, you do not need to do so. Every country issues a card with a validity period. No matter how many times your travel throughout these 31 countries, you will be able to access public healthcare systems, as long as your card is valid.
How do I receive the card?
In most countries, you will get your EHIC by post. Still, in some countries you will have to show up at the competent authorities to withdraw it in person.