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About Us

The M-FUND is a low-cost not-for-profit health protection scheme for migrants in Thailand, created to empower this underserved population to self-establish sustainable access to quality healthcare services. We ultimately aim to extend this service to other migrants and underserved communities in Asia, and create a regional cross-protection scheme of health access and development.​

M-FUND members contribute a low monthly premium of 100 Thai baht (~US$2.8) per person (base plan), which covers access to broad quality health care services in a network of partner hospitals and clinics along the Thai border provinces.


Over 55,000 migrants have voluntarily registered as M-FUND members


M-FUND has covered over 61,000 outpatient consultations and 10,000 hospital admissions


188 hospitals and clinics provide quality health care services to M-FUND members 

Our Mission

How it works

How it works.png
1. M-FUND Community Workers (CW)
give information to migrants in communities.
2. CW enroll members on tablets with
the M-FUND application.
3. A member card with QR code is given to each member.
4. Hospitals identify active members by scanning the QR code. Members receive free care directly billed to M-FUND.

We are expanding...

​M-FUND project was initiated in Maesot District in Tak Province along the Thai-Myanmar border in September 2017, and has since expanded across Maesot, Mae Ramat and Phop Prah Districts, where large numbers of migrants reside.


In August 2019, the scheme was established in Myawaddy Township in Myanmar (opposite to Tak) to offer effective healthcare protection to cross-border populations.


M-FUND has since also been extended in Sakaeo Province along the Thai-Cambodia border starting in September 2019, and in Kanchanaburi Province, south to Tak Province, since June 2020.

​M-FUND is constantly growing in order to expand access to healthcare to more migrants in need. We also offer a video call centre to aid migrants in the M-FUND registration process.

In February 2023 and March 2023, M-FUND was also extended respectively to Ubon Ratchatani province and Trat province, after local health authorities and a local foundation in Ubon expressed interest to collaborate in the extension of the project in these key border provinces, to serve the health protection needs of Cambodian and Lao migrants.

Where we work

M-FUND currently operates in

- Tak province
- Sakaeo province
- Kanchanaburi province
- Chiang Rai province

- Ubon Ratchathani province

- Trat province
- Myawaddy Township (Myanmar)

- Poipet City (Cambodia)

For a full list of partner healthcare facilities,
click here!


Coverage benefits and options

M-FUND currently provides the following coverage benefits and options for members under its Policy 4.0: 
















All members are entitled to a total of 50,000 THB in coverage benefits per year

* Initial fees if joining in Trimester 2: +300 THB / Trimester 3: +600 THB

Women who are already pregnant can enroll in this option through partner NGOs: SMRU and Mae Tao Clinic. For both pregnancy options, newborns of pregnant women are covered until they are discharged from the hospital following delivery, or up to reaching their mother’s coverage limit. Babies must then also be enrolled in M-FUND, along with mother, unless they take the government migrant health insurance for children.

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