Guide
Health Insurance Thailand 2026: What You Actually Need as a German Expat
Alexander Milkereit
7 min read
Insured. Worldwide. Digital.
Compare 16 premium plans from 6+ providers in just 2 minutes – international insurance for expats. Save up to 20% through special rates – transparent and independent.
Compare 16 premium plans from 6+ providers in just 2 minutes – international insurance for expats. Save up to 20% through special rates – transparent and independent.
Discover our
Insurance
International Insurance Solutions Under One Roof
Our focus is on health insurance for expats and digital nomads. We also compare liability, legal protection, and retirement plans for you – specifically tailored to your situation abroad.
Find Your Perfect
Health Insurance
We Think Global
A hospital stay abroad can quickly cost EUR 10,000 or more. Without international protection, you pay out of your own pocket. As an expat, you need worldwide healthcare – often also as a visa requirement.
Your transparent comparison portal for IPMI plans. With us, you see all benefit details at a glance – without data entry, without hidden costs. We compare 16 premium plans independently and offer you special rates with up to 20% savings.
6+ Hand-Picked Providers
- April, Barmenia, Foyer – and many more
- Verified for service quality & expat focus
- Independent comparison
Benefits
- Unlimited plans
- From basic to premium protection
- Outpatient, inpatient, and dental treatments
Worldwide Coverage
- Americas, Asia, Europe - and many more
- Meets visa requirements
- International repatriation
15+ Years Experience
- EIC Versicherungsmakler GmbH since 2010
- Special rates
- Personal consultation
6+ Hand-Picked Providers
- April, Barmenia, Foyer – and many more
- Verified for service quality & expat focus
- Independent comparison
Benefits
- Unlimited plans
- From basic to premium protection
- Outpatient, inpatient, and dental treatments
Worldwide Coverage
- Americas, Asia, Europe - and many more
- Meets visa requirements
- International repatriation
15+ Years Experience
- EIC Versicherungsmakler GmbH since 2010
- Special rates
- Personal consultation
Needs Analysis
Expats have different requirements than tourists. Whether travel insurance or long-term health insurance coverage – we find the right protection for you. We analyze your situation: Where do you live? For how long? Which countries do you visit? Family with you? These details determine which insurance fits and which benefits are essential.
Your Benefits:
- Individual risk analysis for your location and residence
- Review of existing insurance for gaps in international health coverage
- Determination of optimal coverage scope with flexible deductible
- Consideration of pre-existing conditions and special needs of students and families
Provider Comparison
We have analyzed leading insurers over months – studied plan conditions, compared insurance terms, and talked with our clients. The result: A comparison that shows what really matters. Which provider pays reliably? Who has the best physician network? Where are exclusions hidden in the fine print? Our 15+ years of industry experience combined with hundreds of individual customer stories make the difference.
Your Benefits:
- Detailed analysis of leading providers and their plans
- Real experience from 15+ years and hundreds of customer cases
- Transparent comparison of benefits, not just prices
- Evaluation of service quality, network, and payment behavior
Application Processing
International applications can be complicated – especially with pre-existing conditions. We know all processes and what matters. From health declaration to policy issuance, we accompany every step. For questions, we are your contact person. You receive clear information and personal consultation for fast processing.
Your Benefits:
- Complete handling of application submission
- Professional preparation of your health data
- Direct communication with the insurer
- Renegotiation for exclusions or surcharges
Support & Service
Moving from Berlin to Bangkok? Your family is growing? You need help with a claim in Mexico? We're not just there when you sign up – but for years to come. Free, personal, worldwide. Your protection grows with your life.
Your Benefits:
- Personal support throughout the entire contract term – free
- Assistance with claims, no matter where you are
- Adjustment of your coverage for relocation, family, or retirement
- Annual plan check: We inform you about better options
Your Perfect
Protection Package
Your Protection Package Abroad
From health to liability to legal protection – we offer you all important insurance products for your life abroad. Worldwide validity, special conditions, and personal support from one source.
International Health Insurance
AbEUR 72.20 monthly
Worldwide health protection without borders. Free choice of doctors in 195 countries, direct billing with clinics, and comprehensive coverage for outpatient, inpatient, and dental treatments.
Ideal for:
- Expats and emigrants
- Digital nomads
- Long-term travelers (over 2 months)
Your Benefits:
- Worldwide coverage in 195 countries
- Free choice of doctors and hospitals
- Direct billing without advance payment
International Liability Insurance
AbEUR 3.86 monthly
Worldwide protection against personal injury and property damage with coverage up to 70 million euros. Protection in case of accidents in everyday life, during sports, or while traveling – valid across borders.
Ideal for:
- German expats worldwide
- German families abroad
- Germans without residence in DE
Your Benefits:
- Coverage up to EUR 70 million worldwide
- Protection against personal injury and property damage
- Cross-border validity
International Legal Protection
AbEUR 6.13 monthly
Legal security abroad in disputes with authorities, employers, or landlords. From rental law to employment law to traffic law – internationally protected with free legal advice.
Ideal for:
- German expats in new legal systems
- German employees abroad
- German nationals temporarily abroad
Your Benefits:
- Worldwide legal protection
- Free initial consultation
- Rental, employment, and traffic law
International Health Insurance
AbEUR 72.20 monthly
Worldwide health protection without borders. Free choice of doctors in 195 countries, direct billing with clinics, and comprehensive coverage for outpatient, inpatient, and dental treatments.
Ideal for:
- Expats and emigrants
- Digital nomads
- Long-term travelers (over 2 months)
Your Benefits:
- Worldwide coverage in 195 countries
- Free choice of doctors and hospitals
- Direct billing without advance payment
International Liability Insurance
AbEUR 3.86 monthly
Worldwide protection against personal injury and property damage with coverage up to 70 million euros. Protection in case of accidents in everyday life, during sports, or while traveling – valid across borders.
Ideal for:
- German expats worldwide
- German families abroad
- Germans without residence in DE
Your Benefits:
- Coverage up to EUR 70 million worldwide
- Protection against personal injury and property damage
- Cross-border validity
International Legal Protection
AbEUR 6.13 monthly
Legal security abroad in disputes with authorities, employers, or landlords. From rental law to employment law to traffic law – internationally protected with free legal advice.
Ideal for:
- German expats in new legal systems
- German employees abroad
- German nationals temporarily abroad
Your Benefits:
- Worldwide legal protection
- Free initial consultation
- Rental, employment, and traffic law
Customer Testimonials
and Experiences
What Our Clients Say
Real expats with real experiences report how we have helped digital nomads and emigrants worldwide.
Our Team
More About Us
Your Experts
Waysafe belongs to EIC Versicherungsmakler GmbH with over 15 years of experience in international insurance. As IHK-licensed insurance brokers (§34d GewO), we specialize in international health insurance (IPMI) for expats and digital nomads.
Our strength lies in long-term customer relationships and personal support. We often accompany expats for years – through relocations, family planning, and career changes. This experience from hundreds of individual cases combined with special rates makes us your ideal partner for international insurance coverage.
News & Insights
from our Blog
Expat-Life: Knowledge and Tips
Discover the latest trends, insights, and expert opinions on international health insurance and digital innovation. Our articles provide a comprehensive overview and valuable information, written by experienced experts, and are also available for individual consultations.
View all articles
FAQ
Frequently Asked Questions
IPMI stands for International Private Medical Insurance – worldwide healthcare coverage without temporal or geographical limitations.
The difference from travel insurance:
• Travel insurance: maximum 6-8 weeks coverage
• IPMI: permanent, unlimited coverage
Ideal for:
• Expats and emigrants
• Digital nomads
• Long-term travelers (over 2 months)
Your benefits:
Free choice of doctors and hospitals worldwide, direct billing with clinics, and comprehensive coverage for preventive care, treatments, and chronic conditions.
Example: Sarah, 29, works remotely from Bali for 6 months. Travel insurance ends after 56 days – she would be uninsured for 4 months.
Travel Insurance:
• Maximum 56 days coverage
• Only for emergencies
• No preventive examinations
• No chronic conditions
International Health Insurance (IPMI):
• Permanent, unlimited coverage
• Preventive examinations included
• Chronic conditions covered
• Long-term treatments possible
Rule of thumb:
Are you abroad for longer than 2 months? Then you likely need an IPMI.
Our focus is on international insurance for expats and emigrants:
Main product:
• International Health Insurance (IPMI)
→ from EUR 72.20/month
→ Worldwide coverage, free choice of doctors
Additionally, we compare:
• International Liability Insurance (designed for Germans abroad)
→ from EUR 3.86/month
→ Coverage up to 70 million euros worldwide
• International Legal Protection (for German nationals abroad)
→ from EUR 6.13/month
→ Legal protection for disputes abroad
• International Retirement Plans
→ For long-term financial security
Advantage: All from one source with worldwide validity.
We are a transparent comparison portal for international health insurance:
Our unique features:
• 15+ years of experience – EIC Versicherungsmakler since 2010
• Real-time comparison of 16 premium plans from 6+ leading providers
• Special rates with up to 20% savings compared to direct purchase from insurers
• IHK-licensed (§34d GewO) – certified standards and security
• Transparency – no hidden costs, GDPR compliant
2-minute comparison:
Our intelligent calculator analyzes your needs and immediately shows you the right plans – simple, fast, and clear.
Support throughout your contract period:
We optimize your plan annually and are there for you worldwide in case of claims.
We work with over 6 premium providers that are among the best in the market:
Our partners:
• Barmenia
• Die Haftpflichtkasse
• Globality Health
• PassportCard
• Foyer Global Health
• BDAE (Federation of German Expats)
• Other leading international insurers
Why these providers?
• Highest financial strength and stability
• Worldwide direct billing
• Excellent customer service
• Flexible plan options
• Decades of experience with expats
Our promise:
We compare independently and objectively – without favoring individual providers. You always get the right plan for your needs.
No, our consultation is completely free – with no hidden costs!
How does it work?
We finance ourselves exclusively through commissions from insurance providers. You pay nothing extra.
You even save:
Thanks to our special rates, you often pay up to 20% less than with a direct purchase from the insurer.
Free services:
• Personal consultation by phone, email, or video call
• Real-time comparison with our intelligent calculator
• Support throughout your contract period
• Annual plan optimization
• Support for claims worldwide
Transparency: No obligation to purchase, no hidden fees.
5 reasons for Waysafe:
1. Time savings:
2-minute comparison instead of days of research – our calculator compares 16 premium plans in real time.
2. Save money:
Special rates with up to 20% savings – often cheaper than direct purchase from the insurer.
3. Expertise:
15+ years of experience with international insurance – we know all the pitfalls and find the optimal plan.
4. Support throughout your contract period:
We remain your partner – for claims, plan adjustments, and questions.
5. Worldwide support:
No matter where you are – we are reachable by email, phone, or video call and adapt to your time zone.
IHK regulated: Certified security and standards.
We recommend a short conversation in every case – even if you don't have any questions. As insurance brokers, we know the pitfalls of international insurance and make sure your plan truly fits your situation.
How it works:
• You can use our comparison calculator beforehand – or contact us directly
• Short conversation by phone, video call, or email
• Time zone flexible – we adapt to you
• Completely free and non-binding
Why it's worth it:
Coverage gaps, territorial exclusions, or incorrect deductibles are often only spotted in conversation. 15–20 minutes can save you thousands in an emergency.
We are here for you – flexible and reachable worldwide:
Contact options:
📧 Email:
Contact form on our website – available 24/7
Response typically within 48 hours
📞 Phone:
Personal consultation during German business hours
We flexibly adapt to your time zone
💬 Video Call:
Personal consultation via Zoom/Teams
Appointment scheduling through contact form
🌍 Time zone flexible:
Whether you're in Bangkok, New York, or Sydney – we'll find a suitable appointment.
Response time:
Inquiries via our contact form are answered typically within 48 hours – often much faster.
We remain your partner – free throughout your contract period:
Immediately after conclusion:
• Digital contract documents via email
• Policy number and insurance confirmation
• Instructions for first steps
Ongoing support:
• Claims support: We help with processing worldwide
• Annual optimization: We check if your plan is still optimal
• Plan adjustments: Free support for change requests
• Answer questions: Anytime via email, phone, or video call
24/7 availability:
Your insurance is reachable worldwide around the clock – we support you in communication.
Important: Our service doesn't end with the purchase – we accompany you through your entire expat life.
Waysafe specializes in international insurance for:
Main target groups:
• Expats – Employees posted abroad
• Emigrants – Permanent residence outside Germany
• Digital nomads – Location-independent work worldwide
• Long-term travelers – Over 6 months on the road
• International students – Studying abroad
• Families – Living abroad with children
Especially suitable for:
• People without a permanent residence in Germany
• People who are abroad for longer than 2 months
• Anyone who needs worldwide, permanent insurance coverage
Our intelligent calculator makes comparison simple and transparent:
In 3 steps to the optimal plan:
1. Provide information (1 minute):
• Age
• Target regions
• Desired plan
• Budget and deductible
2. Real-time analysis (30 seconds):
• Comparison of 16 premium plans
• Analysis from 6+ leading providers
• Consideration of special rates
3. Receive results (30 seconds):
• Clear presentation of top plans
• Transparent price-performance comparison
• Direct purchase option or free consultation
Special feature:
Our calculator shows you not just the cheapest, but the best plan for your needs – considering performance, price, and customer satisfaction.