The cost of health insurance varies greatly depending on factors such as your age, the benefits included, the coverage area, and the quality of the insurance provider. As an agency, we work with a wide network of insurers, offering thousands of plan combinations, so there’s no single pricing chart. Contact us for quotes specific to your needs.

Health insurance coverage can include inpatient care (hospital treatments and surgeries), outpatient care (doctor visits and diagnostics), emergency services, dental care, maternity coverage, and more. While healthcare services across Southeast Asia are often more affordable than in Western countries, having comprehensive health insurance ensures that unexpected medical costs don’t become a burden.

Most health insurance providers will ask for a completed medical questionnaire as part of the application process. A health check is generally not required unless your application raises specific questions or additional health information is needed.

Payment options are flexible. You can typically pay via bank transfer, credit card, or debit card.

Yes, many providers allow you to pay in monthly or quarterly installments. Keep in mind that installment plans often include a small additional fee. Let us know your preferred payment schedule during the consultation so we can recommend the best options for you.

Yes, many insurers can provide a VAT invoice. Simply let us know if you need one.

• Pre-existing conditions (unless declared and approved)
• Cosmetic or elective procedures
• Non-medically necessary treatments
• Unreferred treatments
• Claims for actions outside your coverage area
• Claims linked to illegal activities

In some cases, pre-existing conditions can be included in your policy, but this depends on the insurer’s review process. They may ask for additional documentation, such as medical records or questionnaires. If accepted, the condition might be covered with additional fees or excluded entirely if it poses a high risk. We’ll work with you to explore options if this applies to your situation.

Our priority is to match you with the best plan for your needs, so we work with a variety of trusted insurers. We tend to focus on reliable mid-tier providers that have a strong track record and cause minimal inconveniences for our clients.

Yes, this is possible with certain providers. While many insurers require at least one adult on the policy, we can recommend child-only policies where available. Let us know your needs, and we’ll guide you to the right plan.

International health insurance involves applying through a provider, completing a health questionnaire, and being assessed based on your risk profile. Standard-risk applications typically receive base plan pricing, while higher-risk profiles (e.g., pre-existing conditions, job-related risks, or high BMI) might incur additional premiums. The plan ensures you’re covered for care in your coverage area, whether that’s local or global.

A premium is the cost you pay for your selected insurance plan. It is calculated based on factors such as your age, health history, coverage area, and included benefits.

The maximum age for new applicants depends on the provider. Many insurers accept new applications up to age 65, 70, or even 75, and some may require additional medical screenings or charge higher premiums for older applicants.