This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by APRIL
This is APRIL's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: APRIL International — MyHEALTH Thailand Benefits Schedule, edition 2026/05, effective 1 July 2026 — showing every published column.
From the insurer's published documents
| OVERALL MAXIMUM ANNUAL LIMIT | ||||
|---|---|---|---|---|
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| The overall limit per person per period of insurance | ฿ 10,000,000 | ฿ 32,750,000 | ฿ 65,500,000 | |
| AREA OF COVER | ||||
| Benefit | ||||
| Out of Area Cover | Services rendered outside of the area of cover are covered up to ฿ 1,637,500 per period of insurance and for up to 30 days of treatment only if they are directly caused by a sudden illness or injury occurring during the first 30 travel days of any trip outside the area of cover | |||
| HOSPITAL AND SURGERY MODULE | ||||
| HOSPITAL BENEFITS | ||||
| One of these plans must be selected to form the basis of your cover | ||||
| Pre-authorisation is required for the following services | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Hospital room and board | Single Occupancy Room | Single Occupancy Room | Single Occupancy Room | |
| Intensive Care Unit | Fully Covered | Fully Covered | Fully Covered | |
| Parental Accommodation | No cover | Fully Covered | Fully Covered | |
| Theatre Fees | Fully Covered | Fully Covered | Fully Covered | |
| Blood, dressings, medicines and drugs / General hospital costs | Fully Covered | Fully Covered | Fully Covered | |
| Surgical implants | Fully Covered | Fully Covered | Fully Covered | |
| Diagnostic scans and tests, including invasive endoscopic examinations | Fully Covered | Fully Covered | Fully Covered | |
| Rental of mobility aids | Fully Covered | Fully Covered | Fully Covered | |
| Professional fees | Fully Covered | Fully Covered | Fully Covered | |
| Orthopaedic braces, supports and air boots | Fully Covered | Fully Covered | Fully Covered | |
| Hospital treatment of mental and nervous conditions | No Cover | Fully covered for up to 20 days | Fully covered for up to 60 days | |
| PRE-HOSPITALISATION BENEFITS | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Pre-hospitalisation benefits before admission for a covered confinement | No Cover (covered under Outpatient if applicable) | ฿ 32,750 up to 60 days before a covered confinement | Fully covered up to 60 days before a covered confinement | |
| POST-HOSPITALISATION BENEFITS | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Post-hospitalisation benefits after discharge from a covered confinement | ฿ 16,375 up to 60 days after a covered confinement | ฿ 32,750 up to 60 days after a covered confinement | Fully Covered up to 90 days after a covered confinement | |
| ORGAN TRANSPLANTATION | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Organ transplantation | ฿ 491,250 | ฿ 4,912,500 | ฿ 8,187,500 | |
| Direct expenses of surgery to remove an organ for transplant from a donor | No cover | Up to organ transplantation limit | Up to organ transplantation limit | |
| PRIVATE NURSING, HOME NURSING | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Private nursing in hospital when certified necessary by attending physician | No cover | Fully Covered | Fully Covered | |
| Home nursing prescribed by attending physician | Covered under post-hospitalisation benefits or Outpatient benefits (if applicable) following inpatient admission | Covered under post-hospitalisation benefits or Outpatient benefits (if applicable) following inpatient admission | Covered under post-hospitalisation benefits or Outpatient benefits (if applicable) following inpatient admission | |
| EXTERNAL PROSTHESIS | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| External prosthesis and any services associated with selection, fitting or repair when required as a direct result of a disability first occurring during a period of insurance | ฿ 16,375 | ฿ 32,750 | ฿ 65,500 | |
| SURGERY OR INVASIVE ENDOSCOPIC EXAMINATION PERFORMED WHILE A DAY-PATIENT, IN A CLINIC, OR A PHYSICIAN’S OFFICE | ||||
| Pre-authorisation is required for this benefit. | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Professional fees for surgery and one post-surgical follow upAlso covers the following on the day of and directly related the surgery or invasive endoscopic examination: hospital room and board, theatre fees, dressings, medicines and drugs, pathology fees, and surgical implants. For endoscopic examinations only, coverage is limited to ward accommodation charges.This benefit does not cover the following laryngoscopy, nasopharyngoscopy, otoscopy; any surgery on the skin and subcutaneous tissue for illness other than surgery following a confirmed diagnosis of cancer | Fully covered | Fully covered | Fully covered | |
| CANCER TREATMENT | ||||
| The following services, when directly related to cancer, shall be covered following a confirmed diagnosis of cancer. | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Active Cancer treatment in hospital | Hospital Benefits section applies | Hospital Benefits section applies | Hospital Benefits section applies | |
| Specialist consultations; diagnostic scans and tests; medicines and drugs; chemotherapy and radiotherapy related to active cancer treatment | Fully Covered | Fully Covered | Fully Covered | |
| KIDNEY DIALYSIS | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Kidney dialysis received while admitted to hospital or out of hospital | ฿ 163,750 | ฿ 1,637,500 | Fully Covered | |
| HIV/AIDS | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| All-inclusive lifetime limit for services rendered in connection with HIV/AIDS including antiretroviral treatment, treatment of primary HIV, testing and monitoring, or treatment of AIDSA waiting period of 3 years applies (please refer to Waiting Periods Paragraph in the Policy Terms and Conditions) | No Cover | ฿ 327,500 lifetime benefit | ฿ 327,500 lifetime benefit | |
| EMERGENCY ROOM TREATMENT | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Treatment as a result of an injury within 48 hours of an accident; or acute exacerbation of a disability which requires urgent medical or surgical intervention to avoid permanent damage to your life or health | Covered under Outpatient benefits | Fully Covered | Fully Covered | |
| EMERGENCY DENTAL TREATMENT | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Emergency dental treatment to repair damage to sound natural teeth within 14 days of accident | ฿ 163,750 | Fully Covered | Fully Covered | |
| LOCAL TRANSPORT BY AMBULANCE | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Transport by road ambulance to and from hospital when prescribed by an attending physician | Fully Covered | Fully Covered | Fully Covered | |
| HOSPICE OR PALLIATIVE TREATMENT | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Hospice or palliative treatment | No cover | ฿ 1,637,500 lifetime | ฿ 1,637,500 lifetime | |
| HOSPITAL CASH BENEFIT | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Where you are hospitalised for a covered confinement at no cost to us. Hospital cash benefit is not available if you claim for services rendered during the hospitalisation | ฿ 3,000 per night Up to 10 nights | ฿ 5,000 per night Up to 20 nights | ฿ 7,000 per night Up to 30 nights | |
| HOSPITAL CASH BENEFIT | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Where you are hospitalised for a covered confinement at no cost to us. Hospital cash benefit is not available if you claim for services rendered during the hospitalisation | ฿ 3,000 per night Up to 10 nights | ฿ 5,000 per night Up to 20 nights | ฿ 7,000 per night Up to 30 nights | |
| RETURN HOME CASH BENEFIT | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Where you request to travel out of Thailand to receive medically necessary inpatient or day patient treatment, we will make a cash payment directly to you.As regards to the return journey, we will pay the price of reasonable costs for an economy-class air ticket for the beneficiary requiring treatment. We will only pay an economy-class air ticket to you. Important notes:► The benefit is not payable in respect of any pre-existing conditions► All treatment must be approved in advance by us and needs to be cost-effective compared to Thailand | ฿ 15,000 | ฿ 25,000 | ฿ 35,000 | |
| REHABILITATION TREATMENT | ||||
| Pre-authorisation is required for this benefit | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Rehabilitation treatment received while an inpatient at a rehabilitation centre. Admission to the rehabilitation centre must take place within 2 weeks after discharge from hospital for a covered confinement | No Cover | ฿ 32,750 | ฿ 65,500 | |
| SPECIAL LIMITS APPLYING TO CERTAIN DISABILITIES AND TREATMENTS | ||||
| Pre-authorisation is required for the following benefits | ||||
| Subject to the benefits and sub-limits stated elsewhere in this benefits schedule, the maximum we will pay for losses directly or indirectly arising from the following disabilities and treatments is as stated below. | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Complications of pregnancy | No Cover | ฿ 1,637,500 per pregnancy | Fully Covered | |
| Congenital and Hereditary conditions | No Cover | ฿ 1,637,500 lifetime | Fully Covered | |
| Neonatal disabilities lifetime per personApplicable only to Newborn Additions (please refer to the Terms and Conditions) | No Cover | ฿ 1,637,500 lifetime | Fully Covered | |
| Reconstructive Surgery | Fully Covered | Fully Covered | Fully Covered | |
| Stem Cell TreatmentIf it is associated with a bone marrow or peripheral blood stem cell transplant, including harvesting of stem cells immediately prior to a treatment.Subject to in-house doctor's review | Up to organ transplantation limit | Up to organ transplantation limit | Up to organ transplantation limit | |
| Chronic conditions | Covered | Covered | Covered | |
| MEDICAL CHECKUP | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Medical Checkup for Hospital and Surgery ModuleFor members who buy an Outpatient module, cover for this benefit will be provided as per the sum stated on the Outpatient module. | No Cover | ฿ 3,000 | ฿ 6,000 | |
| EMBEDDED ROUTINE OUTPATIENT BENEFITS | ||||
| Deductibles do not apply to this benefit. | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| General Practitioner and Specialist consultation fees, prescribed Medicines and drugs, and prescribed Diagnostic scans and tests.For members who buy an Outpatient module, cover for this benefit will be provided as per the sum stated on the Outpatient module. | up to ฿ 2,500 per visit max 5 visits per year | No Cover | No Cover | |
| EMBEDDED SERVICES | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Teleconsultation service | Included | Included | Included | |
| Second Medical Opinion | ||||
| 24/7 Medical AssistanceRepatriation, evacuation and assistance services provided by APRIL Assistance | ||||
| OUTPATIENT MODULE | ||||
| ANNUAL LIMIT FOR OUTPATIENT BENEFITS | ||||
| The following Outpatient module is optional and can be combined with any Hospital and Surgery Module. | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| Annual cumulative limit for all benefits shown in the Outpatient Benefits section | ฿ 40,000 | ฿ 163,750 | Up to overall annual policy limit | Up to overall annual policy limit |
| CO-INSURANCE OPTION | ||||
| Our Panel Network comprises GP, specialist and physiotherapy clinics in Thailand, Hong Kong, Singapore and Vietnam. | ||||
| Find the full listing at https://assets.april.fr/april-international/Network/pdf-april-panel-network-list.pdf | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| Outpatient co-insurance percentage | Nil | Choice of nil or 20% 20% co-insurance will be waived at Panel Network providers (through direct billing services and upon e-card presentation). Co-insurance does not apply to medical checkup and vaccinations. | Choice of nil or 20% 20% co-insurance will be waived at Panel Network providers (through direct billing services and upon e-card presentation). Co-insurance does not apply to medical checkup and vaccinations. | Choice of nil or 20% 20% co-insurance will be waived at Panel Network providers (through direct billing services and upon e-card presentation). Co-insurance does not apply to medical checkup and vaccinations. |
| Direct billing | Direct Billing available at Panel Network providers only | Nil co-insurance: Full Network 20% co-insurance: Panel Network only | Nil co-insurance: Full Network 20% co-insurance: Panel Network only | Nil co-insurance: Full Network 20% co-insurance: Panel Network only |
| ROUTINE OUTPATIENT | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| General Practitioner consultation fees | Fully Covered Panel Only | Fully Covered | Fully Covered | Fully Covered |
| Specialist consultation fees | Fully Covered Panel Only | Fully Covered | Fully Covered | Fully Covered |
| Medicines and drugs | Fully Covered Panel Only | Fully Covered | Fully Covered | Fully Covered |
| Hormone replacement therapyMedicines and drugs prescribed by a physician for hormone replacement therapy. Coverage is provided for Hormone Replacement Therapy (HRT) when deemed medically necessary to treat conditions such as premature ovarian insufficiency or failure. This benefit does not extend to HRT primarily intended to manage symptoms related to natural aging processes or gender reassignment. A physician's prescription and supporting medical documentation are required for coverage. | Fully Covered Panel Only | Fully Covered | Fully Covered | Fully Covered |
| Diagnostic scans and tests | Fully Covered Panel Only | Fully Covered | Fully Covered | Fully Covered |
| PhysiotherapyA referral for physiotherapy must be submitted at the same time as your claim. Treatment is limited to 10 sessions per referral after which a new referral and medical report from your attending physician must be submitted. | Fully Covered Panel Only | Fully Covered | Fully Covered | Fully Covered |
| OUTPATIENT PSYCHIATRY | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| Physician consultation fees, diagnostic scans and tests, medicines and drugs prescribed by a physician for mental and nervous conditionsCounselling is excluded under this benefit. | No Cover | No Cover | ฿ 114,625 lifetime benefit | ฿ 163,750 lifetime benefit |
| MEDICAL APPLIANCES AND MOBILITY AIDS | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| Purchase or rental of mobility aids Slings and bandages Purchase or rental of medical appliances | No Cover | ฿ 16,375 Maximum two mobility aids per disability | ฿ 65,500 Maximum two mobility aids per disability | ฿ 114,625 Maximum two mobility aids per disability |
| COMPLEMENTARY MEDICINE AND TRADITIONAL CHINESE MEDICINE | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| Combined limit for all benefits listed in the Complementary Medicine and Traditional Chinese Medicine section | No Cover | ฿ 16,375 | ฿ 32,750 | ฿ 80,000 |
| Consultation fees for the following complementary medicine practitioners: Chiropractor, dietician, osteopath, podiatrist, speech therapistNo referral required | No Cover | Fully covered Up to the combined limit | Fully covered Up to the combined limit | Fully covered Up to the combined limit |
| Consultation fees and medicine/consumables dispensed or used by the following practitioners in the course of treatment: Acupuncturist, homeopath, bone setter, Chinese medicine practitionerNo referral required | No Cover | ฿ 1,637 per visit One consultation per day Up to the combined limit | ฿ 2,456 per visit One consultation per day Up to the combined limit | ฿ 6,000 per visit One consultation per day Up to the combined limit |
| MEDICAL CHECKUP AND VACCINATIONS | ||||
| For the following benefits, the 20% co-insurance (if selected) is waived. | ||||
| Benefit | CORE | ESSENTIAL | EXTENSIVE | ELITE |
| Medical checkupNo referral required | No Cover | ฿ 3,000 | ฿ 20,000 | ฿ 35,000 |
| Vaccinations (cost of vaccination only. Associated GP consult covered under consultation benefit)No referral required | ||||
| DENTAL AND OPTICAL MODULE | ||||
| Available to anyone who has selected an Extensive or Elite Hospital and Surgery module, plus an optional Outpatient module. | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Minor dental treatment | ฿ 22,925 | ฿ 22,925 | ฿ 22,925 | |
| Major dental treatment, including orthodontic treatment commenced below the age of 16A waiting period of 300 days applies (please refer to Waiting Periods Paragraph in the Policy Terms and Conditions) | No Cover | ฿ 49,125 20% co-insurance applies | ฿ 49,125 | |
| Eye examinations, prescription contact lenses and prescription lenses | No Cover | No Cover | ฿ 9,825 | |
| MATERNITY MODULE | ||||
| Available to women between 19 to 45 years of age who have selected an Extensive or Elite Hospital and Surgery on a nil deductible basis, plus an optional Outpatient module. | ||||
| Benefit | ESSENTIAL | EXTENSIVE | ELITE | |
| Maternity Benefit limit | ฿ 163,750 per pregnancy | ฿ 327,500 per pregnancy | ฿ 491,250 per pregnancy | |
| The following prenatal and post-natal services up to 45 days following birth: Physician consultation fees, diagnostic scans and tests, medicines and drugs, licensed midwifery and certified doula services, vitamins and supplements, complementary maternity therapies (without referral)Delivery, including elective and emergency caesarean sections and up to seven (7) days of nursery care.Complications of pregnancy following assisted conception. Complications of childbirth. Therapeutic abortionsA waiting period of 366 days applies (please refer to Waiting Periods Paragraph in the Policy Terms and Conditions) | Up to maternity module limit | Up to maternity module limit | Up to maternity module limit | |
| REPATRIATION, EVACUATION AND ASSISTANCE SERVICES PROVIDED BY APRIL ASSISTANCE | ||||
| ANNUAL LIMIT | ||||
| In the event of an emergency, the Member may call our dedicated assistance hotline 24 hours a day, 365 days a year to request the following services. | ||||
| All limits and monetary amounts are stated in US Dollars (USD) and cover is subject to our policy Terms and Conditions. For more details, please refer to the Emergency Assistance Program scope of services. | ||||
| Benefit | INCLUDED IN EVERY PLAN | |||
| The overall limit per person per period of insurance | $1,000,000 | |||
| In the event of accident or sudden severe illness of the member | ||||
| Limited to one (1) emergency evacuation and/or repatriation attributable to any single medical condition by a Member | ||||
| Benefit | INCLUDED IN EVERY PLAN | |||
| Medical evacuation or medical transport to the nearest adequate registered hospital | 100% | |||
| Compassionate VisitLimited to one (1) claim per Member | Round trip transportation (first class train, standard economy class flight or any other locally available means deemed appropriate by APRIL Assistance) plus up to 7-night accommodation in a hotel limited to $150 per night | |||
| Return to the place of residence after recovery | One-way transport ticket (first class train, standard economy flight or other locally available means deemed appropriate by APRIL Assistance) for You to return to Your Place of Residence | |||
| Return of immediate family members (up to 3 persons) | One-way transportation ticket (first class train, standard economy class flight or any other locally available means deemed appropriate by APRIL Assistance) for them to return to Your place of residence | |||
| Return of dependent children | One-way transportation ticket (first class train, standard economy class flight or any other locally available means deemed appropriate by APRIL Assistance) for them to return to Your Place of Residence, or the place of residence of the nearest relative or designated guardian where appropriate. | |||
| Assistance in the event of the death of the member (To a combined limit of $30,000) | ||||
| Benefit | INCLUDED IN EVERY PLAN | |||
| Repatriation of mortal remains | 100% | |||
| Cost of one (1) transport coffin for repatriation of body by air | Up to $5,000 | |||
| Presence of one person to accompany the deceased | Round trip transportation (first class train, standard economy class flight or any other locally available means deemed appropriate by APRIL Assistance) plus up to 7-night accommodation in a hotel limited to $150 per night (if the visitor does not have any accommodation) for one (1) person designated by your immediate family. | |||
| Return of family members (up to 3 persons) | One-way transportation ticket (first class train, standard economy class flight or any other locally available means deemed appropriate by APRIL Assistance) for them to return to their Place of Residence | |||
| Legal assistance Abroad | ||||
| Benefit | INCLUDED IN EVERY PLAN | |||
| Advance of cost of bail bond | Included | |||
| Assistance with translation of legal or administrative documents | Up to $500 | |||
| Death or Critical illness of a family member | ||||
| Benefit | INCLUDED IN EVERY PLAN | |||
| Compassionate Home Travel | Round trip transportation ticket by air in standard economy or by train in 1st class for 1 member on the contract | |||