26 August 2026 · Cogotec, Bangkok · Live comparison data
Here is a real answer, not a brochure range. On 26 August 2026 we asked Nomi, our comparison assistant, to quote the whole market live for a 40-year-old British national living in Thailand wanting inpatient + outpatient, worldwide excluding USA. The engine returned 26 plans from 13 insurers, priced from $117 to $852 per month — $1,403 to $10,229 per year. Same person, same day, a seven-fold spread.
The comparison, as the engine returned it
| Insurer · plan | Monthly | Annual | Annual limit | Notes |
|---|---|---|---|---|
| IMG Global GPMI · Bronze | $117 | $1,403 | $1,000,000 | $150 deductible · private room |
| IMG Global GPMI · Bronze Plus | $167 | $2,009 | $1,000,000 | $150 deductible · private room |
| Now Health SimpleCare · SimpleCare 100 | $210 | $2,515 | $1,500,000 | full refund room & board |
| Optimum Global · Emerald | $211 | $2,527 | $1,000,000 | private room |
| IPH · Emerald Advance | $215 | $2,583 | $3,000,000 | private room |
| IMG Global GPMI · Silver | $238 | $2,850 | $3,000,000 | $150 deductible · private room |
| AXA Global Health · Foundation | $239 | $2,871 | $400,000 | private room |
| Cigna Global · Platinum | $852 | $10,229 | Unlimited | top of the market |
Eight of 26 plans shown. Generated live by Nomi on 26 August 2026; premiums are indicative until underwritten and vary with medical history and final configuration.
What moves the price
Age is the biggest factor — insurers price each year of life. Area of cover is next: including the USA raises premiums sharply, and fewer insurers offer it at all. Cover level matters — hospital-only (inpatient) plans cost meaningfully less than plans with day-to-day outpatient cover. Deductibles are the quickest lever: carry the first few hundred dollars of claims yourself and the premium drops.
Why the seven-fold spread?
The $117 plan and the $852 plan insure the same person. They differ in annual limit ($1,000,000 versus unlimited), room class, outpatient allowances, and brand. Neither end is "wrong" — but paying the top of the market without knowing the bottom exists is how expats overpay for years. That is the point of comparing the whole panel before choosing.
Run your own numbers
These figures were generated in about a minute of conversation. Your own brief — your age, your country, your cover — takes the same minute: get a live comparison. Cogotec is an international insurance consultancy: the engine shows you the market, and a person in Bangkok stays with you through the decision, the application, and the claim.