Hospital costs
Ranges run from cheaper private hospitals to the big international ones in Bangkok and Phuket. Converted at 33.77 baht per US dollar (28 Oct 2026). Public hospitals cost less but charge foreigners a higher price tier.
What insured people actually claimed
Genki published its paid claims from Thailand, late 2023 to early 2026. Most injuries cost little; a few cost a lot.
2,946paid claims in Thailand
€101median injury claim (cuts, fractures, sprains)
€4209 in 10 injury claims were below this
Source: Genki, May 2026. The largest single injury claim was €17,265.
The expensive part: getting home
Air ambulance quotes and reported cases. A seat on a normal flight with a medical escort costs about $10,000 to $57,000. Check whether a plan's limit is enough.