Health Insurance Thailand

10/02/2026

🎉 Our Head Office in Vietnam - Tenzing Year-End Party 2025 Video Recap 🎉
This is how we celebrate a year of growth, hard work, and team spirit 💙
A huge thank you to our Vietnam Director - Lam Yen , our Managing Partner, Quinn Miller , and every single member of the Tenzing team behind the scenes cause your leadership, energy, and teamwork made 2025 such a strong year 🚀
And that night was all about celebrating the people behind Tenzing 💙
👉 We’re growing!
If you want to be part of a high-energy, supportive team - come join Tenzing.
👉DM us to inquire on this or for all your insurance needs: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

06/02/2026

📊 [𝗧𝗘𝗡𝗭𝗜𝗡𝗚'𝗦 𝗠𝗔𝗥𝗞𝗘𝗧 𝗨𝗣𝗗𝗔𝗧𝗘 - 𝗝𝗔𝗡 𝟮𝟬𝟮𝟲]
Markets are off to a strong start in 2026, with steady growth, improving investor sentiment, and key shifts shaping the global landscape - from US policy impacts to India’s rising influence.
In this update, our Director, Craig McAvinue shares why it’s not just about chasing momentum, but staying grounded with smart, diversified strategies 🚀

Stock markets performance
2026 has started as 2025 finished with markets continuing to edge upwards.....

Jan 2026 Stock 💹
Currency performance
The US Dollar also trending in the same direction as last year….

Jan 2026 Currency 💵
Data from Google Finance

Market Resilience and the "Trump Effect"
Developed markets continue to enjoy steady month on month growth. As always the month end figures may not always tell the whole story, some volatility remains and we saw a somewhat V shaped pattern with some mid month falls in the S&P but a strong finish.

There appears to be somewhat of a settled feeling in markets. Inflation is under control and speculation around 2026 being a year to cut rates is helping investor confidence.

I can’t recall a time when one man had so much influence over the world stage. It seemed for a while that almost morning when I woke up to the news, invariably the main story mentioned Donald Trump. It’s ironic that a president who could hardly be described as calm, has (for now) had a calming effect on markets.

Jan 2026 Trump
Global Shifts: Policy Impacts and the Rise of India
His economic policies, striving for low interest rates in the US and a weaker dollar are having a positive effect. A weaker dollar benefits multinational companies who derive income from multiple currencies, thus boosting the reflected US dollar value. Inflation and employment are at near target levels. Like him or loathe him, most investors with S&P 500 ETFs are enjoying this period of growth.

The deal breaking, most notably around tariffs, has benefitted other markets. India in particular, which also saw some trade deals with the UK and Europe is a beneficiary. The most populous country in the world is becoming more and more of an important global player.

Jan 2026 India
Not only is India the largest democracy in the world, in terms of legible votes it is four times the size of second placed United States. They certainly cannot be ignored.

Historical Context and Strategies for Longevity
Of course this bull market run which started in 2022 cannot be attributed solely to Trump as it started well before his latest tenure in 2023. In terms of where we are historically, the three years of growth are still a way off the runs of 2009 – 2020, 1990 – 2000 and 1982 – 1987.

Jan 2026 Bear and Bull
Skeptics will point to the aforementioned crashes that ended these runs in 2000 and 1987, anticipating the next one. As always no one knows for sure. Sticking to tried and tested mandates such as owning good companies at a fair price, rather than fair companies at good prices still works. Profit taking and diversifying yourself with non market correlated assets is also an important strategy.

Contact us today for finance and insurance needs: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

04/02/2026

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗬𝗼𝘂 𝗦𝗵𝗼𝘂𝗹𝗱 𝗔𝘀𝗸 𝗕𝗲𝗳𝗼𝗿𝗲 𝗕𝘂𝘆𝗶𝗻𝗴 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
💡 Most problems don’t come from “bad insurance”, they come from not asking the right questions early enough.
Before you buy, make sure you can confidently answer these questions 👇
1️⃣Which hospitals can I really use? (Local, private, international?)
2️⃣Do I need to pay upfront, or does direct billing apply?
3️⃣What’s excluded — and how are pre-existing conditions defined?
4️⃣How much will I still pay out-of-pocket? (Co-pay, deductible, limits)
5️⃣Am I covered outside Vietnam or only in one country?
6️⃣What happens if I need emergency evacuation or treatment overseas?
At Tenzing, these are the exact questions we walk through with clients so there are no surprises later.
👉 DM Tenzing for a quick, no-pressure consultation: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

28/01/2026

27/01/2026

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐫𝐞𝐭𝐢𝐫𝐢𝐧𝐠 𝐢𝐧 𝐒𝐨𝐮𝐭𝐡𝐞𝐚𝐬𝐭 𝐀𝐬𝐢𝐚? Watch this first 👇
🎥 In this timely video, McAvinue - Director of Tenzing Thailand, shares real insights on why retiring in SEA can get risky fast if insurance planning is overlooked.
It’s what actually happens when:
✅Medical costs rise with age
✅Coverage gaps appear too late
✅Long-term planning isn’t done early enough
If you’re living in SEA, planning retirement here, or advising others, this is a must-watch.
Conac Us: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/
👉 Watch the full video now: https://www.youtube.com/watch?v=pAQNrgbBQkc

A lot of older men plan to retire in Southeast Asia assuming insurance will somehow work itself out. In this interview I sit down with an independent insuran...

21/01/2026

💥THIS IS THE LIFE INSURANCE MISTAKE MOST EXPATS MISS !!💥
If you’re an expat, a parent, or the main income earner ... this one’s for you.
Here’s the mistake most families make 👇
They pick a “big number” for life insurance… without ever doing the math.
A real case from our client:
• Sole income earner
• Non working spouse
• 9 year old child
• Stable income, savings, retirement fund
• Assumed USD 100,000 to 200,000 was enough
The reality?
• If income stops, 100 percent of household income stops immediately
• A child means 14 to 15 years of financial dependency
• Education alone can exceed USD 130,000
• Savings are for retirement, not income replacement
After a proper calculation, the real protection gap was USD 570,000.
And the cost to fix it?
👉 Around 3 percent of monthly income.
Life insurance isn’t about death. It’s about what your family has to live with if you’re gone.
If your family depends on your income, “I’ll do it later” is the riskiest plan of all.
💡Save this and share it with a sole breadwinner.
Or get your coverage reviewed before assumptions turn into regret.
Talk with us today: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

20/01/2026

𝗜𝘀 𝗟𝗼𝗰𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗘𝗻𝗼𝘂𝗴𝗵? 🤔
Many expats in Thailand ask the same question: “If local insurance is cheaper, is it enough?”
The honest answer is... it depends, mainly on these three factors 👇
1️⃣ Where you plan to get treatment
Local plans often work well in public or selected local private hospitals.
But access to international hospitals can be limited or require high out-of-pocket payments.
2️⃣ How much risk you’re comfortable carrying
Local plans may have:
Lower annual limits
More exclusions
Limited coverage outside Thailand
This can be fine — until something serious happens.
3️⃣ Whether you travel or live across SEA
If you travel frequently or plan to move within the region,
local insurance may not follow you when you need care most.
💡 Local insurance isn’t “bad.”
It’s just designed for a specific use case — and problems arise when expectations don’t match reality.
At Tenzing, we help you:
👉Understand what local insurance does and doesn’t cover
👉Compare it fairly with regional or international options
👉Choose based on lifestyle, not just price
✅ DM Tenzing for a quick chat: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

18/01/2026

15/01/2026

𝗗𝗼𝗻’𝘁 𝗺𝗶𝘀𝘀 𝘁𝗵𝗶𝘀! 𝗥𝗲𝗮𝗱 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗯𝘂𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 👇
📌 Save this post! it’s information you’ll want before you buy, not after.
Most insurance surprises don’t happen at sign-up. They happen when a claim is made and exclusions are usually the reason.
Here are some exclusions expats often overlook:
💡Pre-existing conditions (definitions vary widely by plan)
💡Waiting periods before certain benefits apply
💡Outpatient limits that run out faster than expected
💡Specific treatments or medications not included
💡Geographical limits (Vietnam only vs regional vs global cover)
💡Emergency evacuation with caps or exclusions
💡 What many people don’t realise:
Two plans can look almost identical on paper yet have very different exclusions, leading to very different claim outcomes. That’s why choosing insurance based only on price or provider name can be risky.
At Tenzing, we help you:
✅Understand exclusions in an easy way
✅Compare plans and choose coverage that actually fits life in Vietnam & SEA
💬 Contact us now: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

14/01/2026

💡 𝗧𝗲𝗻𝘇𝗶𝗻𝗴 𝗘𝘅𝗽𝗹𝗮𝗶𝗻𝗲𝗱: 𝗪𝗵𝘆 𝗬𝗼𝘂𝗿 𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗕𝗶𝗹𝗹 𝗜𝘀𝗻’𝘁 𝗭𝗲𝗿𝗼
“I’m insured… so why am I still paying?”
That’s usually because of a co-pay. A co-pay is the portion of medical costs you pay yourself, even when insurance covers the rest.
✍️For example: a 20% co-pay means you pay 20%, insurance pays 80%.
Why this matters:
👉Co-pays vary between inpatient and outpatient care
👉Private & international hospitals can make co-pays feel expensive
👉Two plans with similar premiums can have very different co-pays
👥Who suitable for a co-pay plan:
Co-pay plans work best for healthy young professionals or singles who want lower premiums and don’t visit hospitals often.
📌 Save this post! it’s a small detail that can make a big difference.
👉 Talk to us: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/

13/01/2026

💡You don’t need a large headcount to access the advantages of a group health plan.
Some leading international insurers offer employer policies starting from just 5 employees making it easier than ever to support your team’s well-being.
Here’s what a group plan could offer:
✅Coverage for pre-existing conditions
✅Lower premiums than most individual plans
✅Dedicated support for claims and direct billing
What a Tenzing advisor can support you with:
🔹Recommending the best group plan based on your team size and needs
🔹Guiding you through the setup process from start to finish
🔹Assisting employees with direct billing setup at clinics and hospitals
🔹Helping resolve delayed insurance claims
🔹Providing ongoing support at no extra cost
🤝And with Tenzing by your side, you won’t just get a plan, you’ll get a partner to support your team, every step of the way.
👉Let’s talk: https://ten-pac.com/get-insurance-quotes-tenzing-pacific-services/