Pacific Cross Health Insurance PCL · regional tier
Pacific Cross
Pacific Cross is a Thailand-licensed regional health insurer that has become one of the most popular mid-priced options for expats living long-term in Thailand. It offers a wide range of plans (such as Maxima, Premier and Crown) covering inpatient and outpatient treatment at major Thai hospitals, with optional worldwide cover excluding the US. Pacific Cross is distinctive for accepting foreigners up to higher ages than many international insurers and for a simpler underwriting process. Premiums are noticeably lower than Cigna or Allianz, but per-event sub-limits mean it can be less generous on very large claims.
Monthly Cost by Age
Age 30
80–180 USD/mo
Age 40
120–260 USD/mo
Age 50
200–400 USD/mo
Age 60
350–650 USD/mo
Ranges are industry averages; quotes vary by deductible, plan tier, and underwriting.
Pros
- + Strong value for expats who mainly use Thai hospitals
- + Accepts new applicants at higher ages than most international insurers
- + Cashless direct billing at the major Bangkok private hospitals
- + Premiums quoted in Thai baht, removing FX risk on renewal
Cons
- − Per-event and per-condition sub-limits on lower tiers
- − Mental health and chronic-condition cover is limited or excluded
- − Worldwide cover excludes the US on most plans
Network Hospitals (Sample)
Frequently Asked Questions
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