Insurance: direct billing or claim later

At the hospital reception, ask ใช้ประกันได้ไหม and hand over your insurance card. If the hospital works with your insurer it can bill them directly, though for admissions and big tests it may need approval first, which can take hours. If not, you pay and เบิก (claim) later: keep the itemised ใบเสร็จ, a ใบรับรองแพทย์ with the diagnosis, and any medical report, because insurers usually want originals. Check what your policy คุ้มครอง before you need it: outpatient visits, dental and conditions you already had are often excluded. Employees paying into Thai social security (ประกันสังคม) are covered at one hospital they choose, so know which one.