How to make living in Phuket safer?
Insider's Response
If you are planning a vacation, a long-term stay, or relocation to Phuket, it is wise to take care of proper insurance coverage.
What types of insurance are available?
● Life and health insurance
This type of insurance covers medical expenses, hospitalization, emergency evacuation, or repatriation. It is especially important for tourists, expats, families with children, and elderly people. Medical services in Thailand, particularly in private hospitals, can be quite expensive. An insurance policy provides peace of mind and confidence that in an emergency you will receive assistance without the risk of significant unexpected costs.
● Property insurance
If you rent accommodation long-term or own property, it is important to protect it from natural and household risks. The island has a tropical climate with high humidity, possible storms, and proximity to the sea, which increases the risk of flooding or other damage. Insurance can cover both the building itself (walls, roof, windows) and personal belongings such as furniture, appliances, and more. This is a sensible investment for peace of mind, especially if you live in Phuket on a permanent basis.
● Car and motorbike insurance
Unfortunately, traffic accidents in Phuket are not uncommon. Roads are often congested, and the Asian driving style can be unpredictable, especially for tourists. You can read more about this in the article Traffic Rules in Phuket. The minimum requirement is compulsory insurance (similar to third-party liability insurance), but it covers only basic risks. For greater peace of mind, it is worth arranging comprehensive insurance (similar to full coverage), which protects against damage, theft, and liability to third parties. This is particularly relevant if you rent a motorbike or car long-term or purchase your own vehicle.
For insurance matters, we recommend contacting only reliable companies. To do so, select the type of insurance you are interested in and fill out the form below.