Compare 2 Allianz Ayudhya worldwide health plans and enjoy cashless treatment across Thailand's largest private hospital network.

Worldwide Allianz Ayudhya Health Insurance for Expats & Families — Superior Health Plus & FlexCare

World's No.1 insurance brand (Interbrand, 5 years running)

70+ countries worldwide

490+ hospitals and clinics network in Thailand

2 plans from THB 25,528/year

Entry age from 0 y.o. (FlexCare) / 15 days (Superior) to 65 y.o.

Visa (O-A/O-X) & LTR compliant options

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SBC-2563 Co., Ltd. Licensed Insurance Broker · OIC Thailand

Choose your plan

Worldwide coverage

Superior Health Plus

Worldwide coverage (excl. USA) with flexible deductible

Starts from 25,528 THB / year

Up to 10,000,000 THB per confinement
3 plans to choose from
Family & no-claim discounts
Unlimited telemedicine

Learn more

Recommended

FlexCare

Fully modular international plan

Starts from 30,580 THB / year Quote-based

Up to 50,000,000 THB per policy year
3 plans to choose from
Optional OPD / Dental & Optical / Wellbeing modules
Restricted-network option to lower premium

Learn more

Compare all two plans

Not sure which one fits? See how Superior Health Plus and FlexCare stack up side by side.

Coverage / Feature	Superior Health Plus	FlexCare
Annual overall limit	Superior Health Plus 2,000,000 – 10,000,000 THB / confinement	FlexCare 15,000,000 – 50,000,000 THB
Area of cover	Superior Health Plus Worldwide excl. USA	FlexCare SE Asia excl. Singapore / Worldwide excl. USA
Entry age	Superior Health Plus 11 y.o.+ (Plan 1); 15 days–65 y.o. (Plans 2–3)	FlexCare 0–65 y.o.
Medical provider access	Superior Health Plus Single network (no choice)	FlexCare Full or Restricted (Plan 1 only)
Deductible option	Superior Health Plus Nil / 30,000 / 50,000 / 100,000 / 200,000 THB	FlexCare Nil / 17,000 / 34,000 THB
Optional Outpatient (OPD)	Superior Health Plus up to 50,000 THB/year	FlexCare up to 330,000 THB
Optional Dental/Optical	Superior Health Plus Not available	FlexCare up to 34,000 / 68,000 THB
Optional Wellbeing	Superior Health Plus Not available	FlexCare up to 17,000 / 34,000 THB
Family discount	Superior Health Plus up to 10%	FlexCare up to 10%
Long Stay Visa (O-A/O-X) / LTR	Superior Health Plus Plans 2–3 — compliant	FlexCare Compliant — recommended for LTR
Starting premium (age 30)	Superior Health Plus 25,528 THB/year	FlexCare 30,580 ТНВ/year

Superior Health Plus — choose your plan

Worldwide coverage (excl. USA) with a flexible deductible to control your premium.

Plan 1

starts from

25,528 THB

per year

2,000,000 THB per confinement
Worldwide excl. USA
Deductible options available

Plan 2

starts from

28,308 THB

per year

5,000,000 THB per confinement
Visa (O-A) compliant
Family discount up to 10%

Plan 3

starts from

30,412 THB

per year

10,000,000 THB per confinement
Visa (O-A) compliant
Highest room/ICU/PA limits in the range

Coverage / Feature	Plan 1	Plan 2	Plan 3
Limit per confinement	Plan 1 2,000,000 THB	Plan 2 5,000,000 THB	Plan 3 10,000,000 THB
Room & board / day	Plan 1 6,000 THB	Plan 2 9,000 THB	Plan 3 12,000 THB
ICU / day (max 15 days)	Plan 1 12,000 THB	Plan 2 18,000 THB	Plan 3 24,000 THB
Personal Accident	Plan 1 20,000 THB	Plan 2 50,000 THB	Plan 3 100,000 THB
Optional OPD (per year)	Plan 1 up to 20,000 THB	Plan 2 up to 50,000 THB	Plan 3 up to 100,000 THB
Deductible options	Plan 1 Nil / 20,000 / 50,000 / 100,000 / 200,000 THB — up to 60% premium reduction	Plan 2 Nil / 20,000 / 50,000 / 100,000 / 200,000 THB — up to 60% premium reduction	Plan 3 Nil / 20,000 / 50,000 / 100,000 / 200,000 THB — up to 60% premium reduction
Long Stay Visa (O-A)	Plan 1 ✘ below visa threshold	Plan 2 ✔ compliant	Plan 3 ✔ compliant
Entry age	Plan 1 11 y.o.+	Plan 2 15 days – 65 y.o.	Plan 3 15 days – 65 y.o.

Superior Health Plus

Best for Clients who want worldwide coverage with the flexibility to trim their premium via a deductible, and families/retirees looking for a visa-compliant Thai plan (Plans 2–3).

Advantages

Family discount
Annual no-claim bonus
Unlimited telemedicine
Worldwide reach

Limitations

Cashless network is Thailand-only
Plan 1 doesn't meet the O-A/O-X visa threshold

FlexCare — choose your plan

Fully modular international coverage — build the plan around what matters to you.

Plan 1

starts from

30,580 THB*

per year

15,000,000 THB inpatient limit
Restricted-network option to lower premium
Optional OPD up to 165,000 THB

Plan 2

starts from

44,214 THB*

per year

35,000,000 THB inpatient limit
Optional Wellbeing module
Optional OPD up to 230,000 THB

Plan 3

starts from

50,044 THB*

per year

50,000,000 THB inpatient limit
Highest OPD/Dental/Wellbeing limits
Full network access

*Premium calculated for age 30

Coverage / Feature	Plan 1	Plan 2	Plan 3
Annual overall limit	Plan 1 15,000,000 THB	Plan 2 35,000,000 THB	Plan 3 50,000,000 THB
Area of cover	Plan 1 SE Asia excl. Singapore / Worldwide excl. USA	Plan 2 SE Asia excl. Singapore / Worldwide excl. USA	Plan 3 SE Asia excl. Singapore / Worldwide excl. USA
Medical provider access	Plan 1 Full or Restricted	Plan 2 Full only	Plan 3 Full only
Inpatient deductible	Plan 1 Nil / 17,000 / 34,000 THB	Plan 2 Nil / 17,000 / 34,000 THB	Plan 3 Nil / 17,000 / 34,000 THB
Optional Outpatient (OPD)	Plan 1 up to 165,000 THB	Plan 2 up to 230,000 THB	Plan 3 up to 330,000 THB
Optional Dental/Optical	Plan 1 up to 34,000 THB	Plan 2 up to 34,000 THB	Plan 3 up to 68,000 THB
Optional Wellbeing	Plan 1 ✘ Not available	Plan 2 up to 17,000 THB	Plan 3 up to 34,000 THB
Entry age	Plan 1 0–65 y.o.	Plan 2 0–65 y.o.	Plan 3 0–65 y.o.
Family discount	Plan 1 ✔ up to 10%	Plan 2 ✔ up to 10%	Plan 3 ✔ up to 10%

Plan 1

Best for Budget-conscious individuals and families who still want full inpatient protection.

Advantages

15M THB annual limit
Restricted-network option to lower the premium
Optional OPD

Limitations

Dental/Optical limited to 34,000 THB
Wellbeing module not available

Plan 2

Best for Expats and families who want higher outpatient and dental coverage.

Advantages

35M THB annual limit
Optional Wellbeing module
Higher OPD limit

Limitations

Full network access only (no restricted option)

Plan 3

Best for Clients who want maximum protection with no compromises.

Advantages

50M THB annual limit
Highest OPD/Dental/Wellbeing limits
Laser eye treatment included

Limitations

Highest premium among the three plans

Looking for a simpler, budget-friendly option?

Need a simple, affordable Thailand-only hospitalization plan instead? Check out Smarter Health Plus →

Explore Smarter Health Plus

Download Brochures

Get detailed information about Allianz Ayudhya Superior Health Plus and FlexCare plans

Superior Health Plus Brochure (EN)

Product brochure · PDF · ~540 KB

Download EN

Superior Health Plus Brochure (TH)

Product brochure · PDF · ~501 KB

Download TH

FlexCare Product Brochure

Product brochure · PDF

Download

FlexCare Table of Benefits

Table of Benefits · PDF

Download

ALLIANZ AYUDHYA: CONTACT INFORMATION

Head Office Address:
1st Floor, Ploenchit Tower, 898 Ploenchit Road, Khwang Lumpini
Khet Pathumwan, Bangkok 10330, Thailand

Phone: 1292 (24 hours — “Rhythm of your life”)
International: +66 2677 0000
Website: www.allianz.co.th
Allianz Ayudhya is part of the global Allianz Group, founded in 1890 and named the world’s No.1 insurance brand by Interbrand for five years in a row. The company offers Life, Health, Property, Motor, Travel and SME insurance in Thailand, serving more than 2 million customers through 1,400+ employees.

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Discounts

Save more on Superior Health Plus or FlexCare — check which discounts apply to your plan

Superior Health Plus

Worldwide plan discounts

10% Family discountFor 2+ family members on the same policy

10% No-claim bonusEvery claim-free policy year

≤60% Deductible optionReduces your premium by up to 60%

FlexCare

Modular plan family discounts

5% Family discount3 people on the same policy

7.5% Family discount4 people on the same policy

10% Family discount5+ people on the same policy

Get the answers you're looking for

What's the difference between Superior Health Plus and FlexCare?

Superior Health Plus — worldwide (excl. USA), fixed benefit tiers, deductible options, up to 10M THB per confinement
FlexCare — fully modular, higher overall limit (up to 50M THB/year), optional OPD / Dental & Optical / Wellbeing modules

Which plan is right for me?

Want simpler structure + lower entry premium → Superior Health Plus
Want to customize coverage, higher limits, restricted-network option to save on premium → FlexCare
Need the LTR visa → FlexCare recommended

What is the maximum entry age for each plan?

Superior Health Plus: Plan 1 — from 11 y.o.; Plans 2–3 — from 15 days to 65 y.o.
FlexCare: all plans — from 0 to 65 y.o.

Can I include my family in the policy, and what discount applies?

Superior Health Plus: 10% discount for 2+ family members
FlexCare: tiered — 5% (3 people) / 7.5% (4 people) / 10% (5+ people)

Is coverage available worldwide?

Yes, worldwide excluding the USA (accidental injuries in the USA are covered; organ transplants & hemodialysis covered in Thailand only). FlexCare also offers an SE Asia excl. Singapore area option at a lower premium.

Which plans qualify for the Long Stay Visa (O-A/O-X) or the LTR visa?

Superior Health Plus Plans 2–3 — visa-compliant
Superior Health Plus Plan 1 — not compliant
All FlexCare plans — visa-compliant, recommended for LTR

What is the difference between restricted and full network access? (FlexCare)

Full network — any hospital in Allianz Ayudhya's cashless network
Restricted network (FlexCare Plan 1 only) — smaller hospital list, lower premium

How does the deductible work?

You pay a fixed amount out of pocket per confinement before coverage kicks in — higher deductible = lower premium.

Superior Health Plus: Nil / 20,000 / 50,000 / 100,000 / 200,000 THB (up to 60% premium reduction)
FlexCare: Nil / 17,000 / 34,000 THB
Deductibles apply to inpatient coverage only — not Outpatient Care or Personal Accident

Is there a waiting period?

General sickness: 30 days from policy start
Specific conditions (tumors, cysts, cancer, hernias, cataracts, tonsillectomy, stones, varicose veins, endometriosis, etc.): 120 days
Emergency surgery unrelated to a pre-existing condition: no waiting period

How do I file a claim (cashless vs. my health app), and how long does reimbursement take?

Cashless: treat at any of the 490+ network hospitals/clinics in Thailand — no upfront payment
Reimbursement: submit via the Allianz health app or customer service for treatment abroad or non-network providers
Processing time depends on documentation — our consultant can confirm current turnaround

Do I need a simpler, budget option instead?

Only need coverage within Thailand at a lower cost? → Check out Smarter Health Plus

[email protected]

+66 81 756 2392

Worldwide Allianz Ayudhya Health Insurance for Expats & Families — Superior Health Plus & FlexCare

Choose your plan

Superior Health Plus

FlexCare

Compare all two plans

Superior Health Plus — choose your plan

Plan 1

Plan 2

Plan 3

Superior Health Plus

FlexCare — choose your plan

Plan 1

Plan 2

Plan 3

Plan 1

Plan 2

Plan 3

Looking for a simpler, budget-friendly option?

Download Brochures

Superior Health Plus Brochure (EN)

Superior Health Plus Brochure (TH)

FlexCare Product Brochure

FlexCare Table of Benefits

What our beloved clients say

Apply for a policy

Discounts

Superior Health Plus

FlexCare

Get the answers you're looking for

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