Is it common to pay the first year's premium upfront for Thai health insurance, and how does the reimbursement process work?

In Thailand, it's common for life and health insurance policies to require the first year's premium to be paid upfront, especially for expatriates, although some insurers may offer quarterly or monthly payment options. Most insurance providers, including local insurers, typically require upfront payments for outpatient expenses, followed by reimbursement, while inpatient treatments often involve direct billing with no out-of-pocket fees at the time of care. It's advisable to consult with insurance brokers for the best options available.