Thailand Risk Assessment Country Guide

Expat Life in Thailand

Experiencing rapid economic growth, Thailand has become a global industrial leader with a diverse population of over 65 million people.

The country as a whole poses a number of risks for expats living and working within its borders. The UK Foreign & Commonwealth Office (FCO) advises against all travel to only a select few parts of the country, although numerous health and safety concerns are still present throughout the region. Therefore, prior to traveling to Thailand, you are encouraged to take out comprehensive insurance policies.

The threat of terrorism is high within Thailand. Recent political demonstrations have become more frequent, and protests could appear at a moment's notice. Since the beginning of the year, January 13, 2014, there is more political activity and more protest action. Foreign visitors should be therefore be vigilant while traveling within the country and avoid any demonstrations. With its crowded streets, dense population and risk of violence, expats should exercise caution - and always carry a passport - while in Thailand.

  • Health
  • Safety & Security
  • Terrorism

Health concerns pose serious risks for those living in Thailand. The country has experienced outbreaks of dengue fever, malaria, swine flu, avian flu and rabies in the past. In addition, poor sanitation standards have also led to problems with food poisoning.

Prior to leaving your home country, you should discuss any vaccinations and medications with your primary care physician. While there are extremely high-quality private hospitals in Thailand, the costs related to healthcare at these facilities can be costly. Public facilities offer care that is often below U.S. and U.K. standards, especially away from major cities. Smoke haze and low air quality can also impact parts of the country, which might result in aggravated bronchial, sinus or asthmatic conditions.

Clements' International Health Insurance Plans can offer up to USD 5 million in benefits, with international coverage extending to families also abroad. With flexible payment methods and optional extensions, this policy can manage the costs of living in Thailand.

In addition, Clements offers Medical Evacuation and Repatriation Insurance, which covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to to considerations involved while operating in Thailand.

Source: UK Foreign & Commonwealth Office & Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

According to the FCO, more than 124,000 people died in road traffic accidents between 2000 and 2010 in Thailand. Travelers should use caution, and avoid driving at night. Using a motorcycle puts you at greater risk, as well. Public transport frequently lacks maintenance, and in 2011 three British nationals were killed in a bus crash, while in 2012 and 2013 two and three British nationals were injured in bus accidents, respectively.

Clements offers Worldwide Car Insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to to considerations involved while operating in Thailand.

Source: UK Foreign & Commonwealth Office & Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

At the moment, the political situation in Thailand is fairly unstable, and unrest could turn violent. Large demonstrations should be avoided, and expats should be aware of any additional security presence in certain areas. There have also been calls for an increase in protest action from January 2014 onwards. Thailand’s military seized power in May of 2014, following several months of protest against the government of former Prime Minister Yingluck Shinawatra. The military coup led to violent protests in the streets and the announcement that new elections would be postponed until political reforms could be put into place. 

Several border regions could be the location of skirmishes between Thai authorities and armed groups or other criminals. The UK Foreign & Commonwealth Office advises against all travel to Preah Vihear temple area on the Cambodian border. This region is disputed by both countries, and the situation remains tense. Travel is also not recommended to the Ta Moan and Ta Krabey temples, also on the Cambodian border. Fighting between Thai and Cambodian troops in 2011 resulted in deaths and injuries.

Throughout Thailand, locations often visited by expats and tourists have become targets for terrorist activity. Overall, the threat of terrorism is high. In the Southern part of Thailand, attacks happen regularly, with a focus on security forces, government offices, hotels, bars, shops and marketplaces.

Other hotspots include the provinces of Pattani, Yala, Narathiwat, and portions of Songkhla. Martial law is currently in effect in these regions, and the FCO advise against all but essential travel to these locations.

On October 24, 2016 Muslim rebels attacked the Pattani Province in Thailand, killing one woman and injuring 18 others.

On September 23, 2016, in a series of attacks plaguing the southern region of the country, 3 people were killed and 2 others wounded. The police officers died in a car bomb attack perpetrated by an unknown actor.

On September 6, 2016, Islamic extremist militants exploded a bomb in front of a school in Narathiwat, Thailand. Three people died, including a young girl and her father, and 8 others were injured.

On September 3, 2016, an unknown actor attached a bomb to the last car of a passenger train. The remote-controlled device detonated as the train passed a station, killing one person and injuring three others.

On August 29, 2016, Islamic militants ambushed and fired rifles and rocket-propelled grenades at Tunisian soldiers near Mount Sammama, killing 3 and wounding 7 others.

On August 23, 2016, one person was killed and at least 30 others were injured by a car bomb targeting a hotel.

On August 12, 2016, three explosions hit Hua Hin, killing one and injuring at least four others. Also, a bomb hidden in a flowerpot exploded outside the Surat Thani police station and killed a municipal employee. Another bombing occurred in Trang, killing one person.

On August 11, 2016, one woman was killed and 23 others were injured when two bombs exploded in Hua Hin.

On August 2, 2016, 4 border policemen and 1 civilian were injured in a double bombing attack in Saba Yoi District in Songkhla. Two village defense volunteers suffered minor injuries when a bomb exploded in front of a school in Khok Pho District in Pattani Province.

On July 6, 2016, Muslim Insurgents and suspected Malay Muslims attacked soldiers and civilians in Yala. Two civilians, 2 soldiers, and the 2 assailants were killed in the attacks and subsequent responses.

On July 5, 2016, Islamic separatist insurgents conducted a series of coordinated attacks on police and mosque attendees in Songkhla and Bannang Sata. Two people were killed and 6 others were wounded. 

On April 25, 2016, two bombs rigged to motorcycles exploded simultaneously in two locations in Narathiwat province. The explosions killed one person, and injured 20 others.

On April 15, 2016, four Army rangers were injured when they were attacked by homemade bomb during a routine morning patrol in the Yarang district of Pattani.

On March 10, 2016, two soldiers were killed and two others injured in a bomb blast. The bomb exploded in Chanae district, Narathiwat province. 

On August 17, 2015, a bomb exploded in Bangkok, Thailand at the Erawan Shrine, which is a popular site for tourists. The blast killed more than 20 people and injured more than 120 others. 

Expats may also face risk of kidnapping while in Thailand. A Clements Kidnap and Ransom Insurance policy ensures financial assistance following a kidnapping, such as independent investigations, negotiations, and the arrangement and delivery of funds.

In addition, a Political Violence Insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting, and acts of terrorism.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to to considerations involved while operating in Thailand.

Source: UK Foreign & Commonwealth Office & Clements Worldwide 

Contact a Clements Representative for Insurance Solutions