Why Using a Broker for Health Insurance in Thailand
Saves Time, Money, and Stress

Navigating the world of health insurance in Thailand can be overwhelming. With so many providers, policy options, and fine-print exclusions, finding the right coverage can feel like a full-time job. That’s where a reputable insurance broker like Tigon Medical Health Insurance Thailand comes in.
A broker does the hard work for you—comparing policies, negotiating terms, and finding tailor-made solutions that fit your unique needs. Best of all, their services come at no extra cost to you, as they are paid by the insurance companies, not the customer.
Here’s why using a broker is the smartest way to secure the best health insurance in Thailand.
1. Saves Time: Let a Broker Do the Research for You
Thailand has a competitive health insurance market, with providers like Bupa, AIA, Cigna, Allianz, and AXA offering various plans. Each has different benefits, exclusions, and pricing structures. Instead of spending hours comparing policies yourself, a broker:
Compares multiple insurers at once – Getting quotes from different companies manually takes time. A broker has access to real-time data and can present the best options quickly.
Explains complex policy details – Insurance jargon can be confusing. A broker breaks it down in simple terms so you know exactly what you’re getting.
Handles paperwork efficiently – From applications to claims, a broker streamlines the process, saving you hours of admin work.
Result? You get the right policy faster, without the hassle.
2. Save Money: Get the Best Value for Your Budget
Many people assume that buying insurance directly from a provider is cheaper, but this isn’t always true. Brokers have insider knowledge of promotions, discounts, and policy tweaks that can lower your premiums without sacrificing coverage.
How a Broker Helps You Save:
Finds hidden discounts – Some insurers offer better rates through brokers than direct sales.
Tailors coverage to avoid overpaying– Instead of a one-size-fits-all plan, a broker ensures you only pay for what you need.
Negotiates better terms – Brokers know which insurers are more flexible on pricing or coverage enhancements.
Bottom line: You get **maximum coverage at the best price—something you might miss going it alone.
3. Reduce Stress: Expert Guidance on Pre-Existing Conditions
One of the biggest challenges in health insurance is securing coverage for pre-existing conditions. Many insurers exclude them, charge higher premiums, or impose waiting periods.
How a Broker Helps with Pre-Existing Conditions:
Knows which insurers are more lenient – Some companies are more accommodating than others. A broker identifies them quickly.
Helps with medical underwriting – They guide you on how to present your medical history to improve approval chances.
Finds alternative solutions – If full coverage isn’t possible, a broker may find a policy with manageable exclusions or premium loadings.
Why this matters: Without a broker, you might waste time applying to insurers who will automatically reject you. A broker increases your chances of getting covered while minimizing stress.
4. Access to the Best Hospitals & Aftercare
Thailand is known for its world-class hospitals like Bumrungrad, Bangkok Hospital, and Samitivej, but not all insurance plans cover every facility. A broker ensures:
Your preferred hospitals are included – Whether you want international-standard care or specific specialists, a broker matches you with a policy that covers them.
Seamless claims & aftercare – Brokers help with direct billing arrangements, so you don’t pay out-of-pocket at hospitals.
Emergency assistance – If you need urgent care or evacuation, a broker ensures your insurer provides quick support.
Peace of mind: Knowing you’re covered at top hospitals—without surprise bills—makes all the difference.
Brokers Are Free—You Pay Nothing Extra
A common misconception is that brokers add to the cost. Not true.! Brokers earn commissions from insurers, not customers. This means:
You get expert advice at no extra charge
No hidden fees—the price is the same as going direct
Ongoing support (renewals, claims, changes) without extra costs
Why go direct and miss out on free expertise?
Conclusion: A Broker Is Your Best Insurance Ally
Trying to find the perfect health insurance in Thailand alone is time-consuming, confusing, and risky. You might overpay, get insufficient coverage, or even be denied for pre-existing conditions.
A Tigon Medical Health Insurance Thailand broker eliminates these risks by:
Saving you time – Instant comparisons, no paperwork headaches.
Saving you money – Access to the best deals & tailored plans.
Reducing stress – Expert handling of pre-existing conditions & claims.
Ensuring top hospital access – No surprises when you need care.
Costing you nothing – The insurer pays the broker, not you.
Why gamble with your health coverage?
Let a broker find you the perfect policy—hassle-free.
Contact Tigon Consultancy today for a free, no-obligation consultation! https://www.tigonconsultancy.com/