Thailand Travel Insurance

Thailand is a hot tourist destination and receives many Indian tourists every year. The country has a large network of hotels and other infrastructure catering to leisure and business travellers.

However, investing in Thailand travel insurance is highly recommended to enjoy Thailand without worry. Whether you wish to explore the country for tourism for a few days or spend a longer period in Thailand for work and higher education, buying insurance for a Thailand trip ensures peace of mind.

Reliance General Insurance offers a comprehensive Thai travel insurance plan that ensures maximum financial protection for medical and other unpredicted emergencies during or before your trip. With our travel plan, you can make endless memories in Thailand while safeguarding your health and finances.

Why Do You Need Thailand Travel Insurance

For anyone travelling to this beautiful country, there is no travel insurance mandatory for Thailand. However, there are various reasons why travel insurance is needed for Thailand, and the list includes -

• Financial protection for medical emergencies

• Financial protection for a total loss of baggage

• Financial protection for lost or damaged passport

• Financial protection for personal liabilities

• Financial protection for non-refundable trip expenses in case of trip interruption, delay, or cancellation

Types of Thailand Travel Insurance

Benefits of Buying Thailand Travel Insurance​

Medical Coverage

One of the top benefits of Thailand travel insurance is the assurance of ample financial support during medical emergencies. With this safety net, you get coverage for medical expenses, emergency evacuation, pre-existing conditions (based on policy) and hospitalisation costs to protect your health and finances.

Personal Liabilities

You can be extremely cautious but may still cause unintentional damage or loss to a third party or their property. In such circumstances, insurance for a Thailand trip covers the compensatory and legal expenses incurred on your behalf to secure your out-of-pocket costs.

Trip Delays, Interruptions and Cancellations

Unexpected emergencies can often disrupt your travel plans, resulting in hefty financial loss due to the non-refundable booking expenses. However, Holiday Insurance Thailand offers required reimbursement for these expenses and additional compensation, if applicable, to ensure you get the necessary support in times of need.

Loss of Passport or Baggage

Losing your personal belongings or passport can be overwhelming, especially in a new country. In such situations, the best Holiday Insurance in Thailand offers complete assistance and financial support when required to help you return home to your country without any hassle. Moreover, in case of delayed baggage, you also get the due compensation for the essentials.

Reliance Thailand Travel Insurance

Reliance General Insurance offers a dedicated Asia travel insurance plan tailored to meet your specific coverage needs and requirements when visiting any Asian country, including Thailand.

Our Asia travel insurance plans are designed to accommodate travellers' varying needs and extend maximum financial support in unforeseen circumstances, such as medical emergencies, loss of baggage or passports, accidental dental treatments, trip delays, and more.

To ensure you find the best travel insurance​ for Thailand, we offer three categories within our Asia travel insurance plan to help you choose the plan that best aligns with your coverage needs and budget for maximum affordability.

Let us have a look at them and their features below.

Features of Reliance Thailand Insurance

Reliance Thailand Insurance: Inclusions & Exclusions

Inclusions

• Expenses of emergency medical evacuation

• Expenses for treatment of accidental injuries

• Compensation for total loss of baggage

• Expenses to obtain a duplicate or fresh passport

• Compensatory and legal expenses due to third-party liabilities

• Expenses for sudden medical emergencies and treatments

• Acute anaesthetic dental treatments in case of accidental injuries

• Expenses incurred for transportation of mortal remains back to India

• Permanent disability and death due to an accident

Exclusions

• Self-inflicted injuries

• Travelling against the advice of a medical practitioner

• War or nuclear attacks

• Cosmetic procedures for beauty enhancement

• Delay or partial loss of check-in baggage

• Claims for undeclared medical conditions

How to Buy Reliance Thailand Travel Insurance?

• Step 1 - Visit our website.

• Step 2 - Under "Explore Products" from the top tab, select "Asia Travel Insurance".

• Step 3 - On the new page, Select "Travel Type" between Individual, Family, and Annual Multi-Trip and click "Next" to proceed.

• Step 4 - Enter the requested information on the next page and choose a sum insured value as required to view the final premium quote.

• Step 5 - If acceptable, click on the "Buy Now" option and fill out the application for Asia travel insurance.

• Step 6 - Make the final payment using one of the available payment methods and get your travel insurance.

Benefits of Buying Thailand Travel Insurance Online

• Buying travel insurance online for Thailand is quick and convenient.

• Buying travel insurance online in Thailand allows you to easily compare different policies and choose the one that best suits your coverage needs and budget.

• Online processes ensure instant policy issuance with little paperwork and documentation.

• The online process requires less time and effort as physical appointments and submission of documents are not needed.

• When you purchase travel insurance online, you can explore additional discounts with Reliance General Insurance.

• Moreover, no hidden costs are applicable to the online process, reducing the overall premiums.

How to Raise a Claim under Thailand Travel Insurance?

• Notify Us - The first step in raising a claim is to notify us within 24 hours of an emergency or unforeseen incident. You can do so by calling our emergency assistance or helpline.

• Collect Evidence - Next, you must collect all the necessary documentation and additional evidence, if applicable. This can include hospital bills, FIRs, medical bills, and so on.

• Submit Claim - Once you have all the evidence and documents ready, complete the claim form and submit it to RCare, the Europ Assistance portal, or offline to their Mumbai office address.

• Claim Settlement - After proper evaluation, you will receive the applicable claim settlement based on your choice of claim settlement type between reimbursement and cashless claims.

Cost Range for Thailand Travel Insurance

1. Trip Duration - The Thailand travel insurance cost can vary based on the number of days you are travelling. Shorter trips will be less expensive than longer trips, as additional support will be required.

2. Coverage - The choice between Silver, Gold, and Platinum coverage plans will also impact the cost of travel insurance to Thailand. This is because the sum insured is different for each.

3. Age - In some cases, age might also be a significant factor of consideration when deducing the travel insurance Thailand price. For instance, the policy might be more affordable for young travellers than for senior citizens who might have medical conditions.

4. Pre-Existing Conditions - If you require additional sum insurance for pre-existing conditions, the cost of travel insurance to Thailand might be higher.

Tips to Buy Best Travel Insurance for Thailand?

Policy Coverage

The first tip is to analyse your coverage needs based on your trip itinerary, duration, medical conditions, and travel companions to know what to look for when exploring travel insurance for Thailand and choosing the total sum insured value as per requirements.

Purchase and Claim Convenience

The next tip is to assess the processes available for policy purchases and claims with different insurers. The convenience of online processes allows you to buy the required policy and file a claim from any part of the world without any hassle.

Customisation Flexibility

Some insurers also offer the option of additional customisation with your travel insurance plans for Thailand. Check for this convenience, as this allows you to increase your base policy coverage per specific requirements to get the desired financial assistance in times of need.

Policy Exclusions

Another tip is to check policy exclusions before finalising any travel insurance plan for Thailand. You must check whether the coverage requirements necessary for your trip are excluded from the plan of your choice to make an informed decision.

Premiums

To ensure you meet your coverage requirements without overspending your budget, you must also compare different policies based on their premiums to choose a plan that meets your needs within your available budget.

Thailand Visa and Entry Information

Types of Visas for Thailand

For Indian travellers, Thailand has extended the visa-free entry facility till 11 November 2024. With this visa-free entry, you can stay in Thailand for 30 days. In addition to this, the standard types of visas available for Thailand include the following -

Application Process for Thailand Visa

1. Visit the VFS Global website.

2. Select the "Apply for a Visa" option.

3. Choose the right visa type as per your trip duration and purpose.

4. Click on "Begin your Application" to select "Download visa application form" to choose and download the relevant visa application form.

5. After downloading the form, take a clear printout, complete the form and collate all the necessary documents to proceed with the visa application.

6. Next, visit the closest Thailand Visa Application Centre to your current location to drop off your visa application form and documents.

7. Pay the visa fee at the VAC when you visit for the final submission.

8. Wait for the final decision on your visa application. If approved, you can pick up your passport from the VAC.

List of Documents Required for Thailand Visa

• Original passport with a validity of at least 6 months and 2 blank pages.

• A duly filled and signed visa application form.

• 2 clear-coloured passport-size photographs.

• Proof of visa fee payment.

• Confirmed round-trip tickets to and from Thailand.

• Clear itinerary of your Thailand trip.

• Proof of accommodation.

• Proof of funds - bank statements, payslips, etc.

• A clear copy of your ITR of the latest assessment year and PAN card.

• Letter of employment (for a work visa).

• Copy of employment ID from the Thailand employer (for a work visa).

• Official admission letter from a Thai university or institute (for a student visa).

• A copy of the student ID (for a student visa) is needed.

• Memorandum of Association and Certificate of Incorporation (for business officials).

Embassy of Thailand in India

Tips to Avoid Thailand Visa Rejections

• Provide correct information on your visa application form.

• Submit all the necessary supporting documents along with your visa application form.

• Indicate your trip purpose and duration of stay on your visa application.

• Book your round-trip flight tickets before applying for a visa.

• Maintain proper fund balance in your bank account.

• Cross-check all information and documents to be submitted for your visa application to ensure accurate information.

Best Time to Visit Thailand

Money-Saving Tips for Thailand

1. Use public transport to explore Thailand.

2. Choose alternative accommodation options instead of expensive high-end hotels to save money.

3. Research free and discounted dates for popular tourist destinations in Thailand to explore the country without spending too much money.

4. Have flexible travel dates to choose affordable flight options, especially during the shoulder and low season.

5. Explore local food and shopping markets available all around the country to indulge in authentic dishes and clothes at affordable prices.

6. Bargaining is common in Thailand, so do not shy away and get the deals.

7. Purchase a local SIM card for internet and communication, cheaper than international roaming charges.

Year-Round Essentials for Thailand

• Adapter - Carry or buy a local adapter to keep your electronics charged at all times.

• Light Clothes - The weather in Thailand is mostly humid or pleasant. So, to enjoy the trip, you must carry lightweight and breezy clothes.

• First-Aid - Always pack all the prescribed medications and a standard first-aid kit with your luggage for emergencies.

• Sunscreen - No matter the weather conditions, apply and reapply sunscreen every 3 hours to avoid sun damage when exploring the country.

• Swimwear - Thailand is an island and beach destination, so pack the necessary swimwear to enjoy beach adventures and water sports.

• Insect Repellent - Buy a good insect repellent in Thailand's public places. Due to the humidity and frequent rainfall, you might get sick and have numerous mosquito bites.

• Walking Shoes - The best way to explore Thailand is on foot, especially the floating and local markets. Thus, you must carry comfortable walking shoes to enjoy your trip.

• Reusable Water Bottle - Instead of buying bottled water every day, carry a reusable water bottle to save on money while keeping yourself hydrated.

Thailand Safety and Precautions

1. Be careful with your personal belongings, especially money, when you are exploring Thailand to avoid petty theft scares.

2. Keep your handbag close to your body at all times to reduce the risk of snatching.

3. Lock your passport and other personal documents in a safe place at your accommodation to avoid losing them.

4. Do not leave your drinks unattended in public places, bars, and pubs.

5. Memorise or note down the emergency numbers for Thailand before embarking on your trip. The list includes -

   • ​Local Police - 191

   • Ambulance - 1669

   • Tourist Police - 1155

   • Tourism Authorities - 1672​

6. Avoid disobeying local traffic rules and regulations to avoid hefty fines due to limited knowledge.

Popular Destinations in Thailand

1. Sukhothai

2. Phuket

3. Koh Samui

4. Bangkok

5. Kanchanaburi

6. Krabi

7. Pattaya

8. Pai

9. Phi Phi Islands

10. Ko Tao

11. Hua Hin District

12. Chiang Mai

Best Things to Do/Experience in Thailand

• Explore Temples - Thailand has over 3,500 temples. You can explore Wat Arun, Wat Rong Khun, or Wat Phra That Doi Suthep and witness the beauty of these architectural marvels.

• Visit Old City - Take a day to explore the charming Chiang Mai Old City and witness night markets like never before. In addition, you can visit Ayutthaya, a UNESCO World Heritage Site and Sukhothai to discover the various historical sites of Thailand.

• Experience a Floating Market - Floating markets are very common in Thailand and offer a deeper insight into local markets and vendors' operations. The country's top floating markets include Khlong Lat Mayom and Damnoen Saduak.

• Book a Full Moon Party - Koh Phangan and Koh Samui host half and full-moon parties at different times of the year. At these parties, you can enjoy electronic music and fire shows at the beach while interacting with people worldwide.

• Explore Beach Adventures - Thailand is home to vibrant islands and beaches that will make your beach dream come true. From the clear water of Koh Samui to the various water sports at the beaches in Phuket, you will have something new to explore at every destination.

• Indulge in Local Cuisines - Thai cuisine is popular around the globe. To experience the flavours of Thailand, indulge in authentic Pad Thai, Som Tam, Green and Red curries, and the famous Tom Yum Soup.

• Book a Thai Massage - Thai massages are popular everywhere. They are relaxing and help with instant tension and stress relief. The best part? You can book a massage anywhere in the country, from beach shacks to dedicated massage centres.

Frequently Asked Questions on Thailand Travel Insurance

What is the local currency of Thailand?

The local currency of Thailand is the Thai Baht.

Can I extend my Reliance Asia travel insurance plan?

Yes, if you wish to extend your Thailand holiday and your policy coverage for the same, all you need to do is download the Extension Form and Health Declaration Form from our website and fill them out before submitting them at any of our branch offices.

What is a cashless claim facility for Thailand travel insurance?

With a cashless claim facility for Thailand travel insurance, you only need to apply for a claim based on the journey or medical emergency. Once the claim is registered and evaluated, the insurer will complete the payment settlement on your behalf, per the policy terms and conditions.

Disclaimer: *T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy– Platinum Plan. Total loss of checked baggage: The maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of the applicable Sum Insured and per item in baggage max 10%.