These plans provide flexible options that allow you to select coverages for inpatient, outpatient, maternity, and dental/vision care for each family member. They cover illnesses and injuries requiring overnight hospitalization, with optional benefits for routine outpatient, maternity, or dental services. Inpatient coverage typically includes room and board, surgeries, treatments, hospitalization, and emergency evacuation. All policies are managed on an annual basis, meaning you pay for a full year of coverage, and the insurer handles eligible expenses up to the set limit.

April MyHealth plans offer three coverage options: Southeast Asia and Europe (excluding Singapore), Worldwide (excluding the USA), or full Worldwide coverage. Additionally, if you’re outside your selected coverage area, you’re still protected for unforeseen emergencies and illnesses up to $100,000, provided your trip away from your home country does not exceed 30 days.

Since private health insurance operates as a for-profit business, individuals with pre-existing conditions are considered higher risk. Insurers typically assess this risk through medical underwriting and may exclude certain conditions, add a fee (known as loading), or cover some conditions while deferring coverage for others. Some policies also include a moratorium period for non-chronic conditions, usually lasting about 2 years before coverage begins. Employer group plans may offer coverage without requiring detailed medical histories.

Premiums are set annually and may increase due to factors like past-year performance, medical inflation, and the community rating model, which applies changes uniformly across the plan. Age is also considered, so increases might be higher if the insurer uses age bands.

No. April offers direct billing for both inpatient and outpatient services. This means that the insurer directly settles payments with the hospital or clinic, so you don’t have to pay at the time of treatment.

Although the plans are structured on an annual basis, there are options to make periodic payments. For April, a 5% fee applies for both quarterly and semi-annual payments. Please note that in Thailand, annual payments are mandatory.

Yes, April MyHealth offers group health insurance options for employers. There are two primary types: Full Medical Underwriting (FMU), which requires individuals to provide their medical histories for risk assessment, and a plan for larger groups (MHD) that disregards individual medical histories—this is the only way to cover certain conditions. Employers can establish FMU plans with as few as one employee, or MHD plans with a minimum of 10 employees.