Dental Insurance Thailand

A: Age limits vary by insurer, but most plans are available for individuals between 15-60 years old.

A: Yes, there’s typically a 65-day waiting period for dental procedures (except accidents, which are covered immediately).

A: There are generally two ways to pay for dental treatment in Thailand if you have dental insurance:

1. Cashless Payment at In-Network Providers:

If you visit a dental clinic or hospital that is part of your insurer’s network (also known as a preferred provider), you can usually enjoy a cashless experience. Here’s how it works:

• Present your dental insurance card: When you arrive for your appointment, simply present your dental insurance card to the clinic staff.
• Direct billing: The dental clinic will then directly bill your insurance company for the covered portion of your treatment.
• Co-payments or deductibles: Depending on your specific plan, you may be responsible for a co-payment (a fixed amount per visit or procedure) or a deductible (an amount you pay out of pocket before insurance coverage kicks in).

This is the most convenient option as it eliminates the need for you to pay upfront and then claim reimbursement later.

2. Reimbursement for Out-of-Network Providers:

If you choose to visit a dental provider that is not part of your insurer’s network:

• Pay upfront: You will typically need to pay for the dental treatment in full at the time of service.
• Collect documentation: Make sure to collect all relevant documentation, including invoices, receipts, and medical reports.
• Submit a claim: Submit the original documents to your insurance company for reimbursement.
• Reimbursement processing: The insurer will review your claim and reimburse you for the covered portion of your expenses, minus any applicable deductibles or co-payments.

This option requires more effort on your part but offers greater flexibility in choosing your dental provider.

A: You can access dental care at over 200 hospitals and clinics within the insurance company’s network. You can find a list of network providers on the insurer’s website.

A: You’ll typically receive a PDF copy of your policy via LINE or email within a day. This digital copy serves as temporary proof of coverage until your official policy arrives (usually within 7-14 business days).