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Answered4 months ago

Can I obtain health insurance in Thailand with pre-existing conditions?

David ******
asked Jun 14, 2026
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I intend to get the new

entry

documents from Thailand immigration...

I can't get Insurance for my previous and expensive cancer I still have.

Will I be able to obtain it there? UK?
Answer summary
The conversation addresses the challenges of obtaining health insurance in Thailand for expats, particularly for those with pre-existing conditions like cancer. Commenters share their experiences with insurance providers, highlighting that many do not cover pre-existing conditions, especially for older adults. Suggestions include contacting specific insurance companies that may offer coverage, while also acknowledging the difficulties associated with aging and health care in Thailand.
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Marty *******
Marty *******
What a paradox, I can't get insurance due to age and pre existing medical history. Yet I pay VAT and Income Tax to the Thai Govt. Also donations and falang tax.

John Bon Jovi advised me to LIve On A Prayer
Tom ********
Tom ********
even renewing existing policies when u have been ill and are over 60 is massively expensive
Lisa ******
Lisa ******
Are you trying to get insurance for coverage or insurance for a visa, such as the non-OA?
Chris ********
Chris ********
Speak to the guys at
@Expat******
and they will be able to cover you
Charoen *******
Charoen *******
Chris Carter Bullshit
AC *****
AC *****
I have the same problem with heart failure and a blood condition that’s classed as a cancer but isn’t a cancer my wife says if I get to ill she will throw me out of the truck and hope the person that hits me has insurance
Ray ********
Ray ********
I agree with Brandon Thurkettle above.

As soon as you hit 60 you're a liability, get to 65 and nobody will insure you... Full stop. Mention pre-existing conditions and you just realised you're wasting your valuable time even looking for quotes. Insurance companies don't even want the slightest possiblity of you making a claim.

Sadly over here you have to wing it, and pray that if ever you do get sick, real sick, that you DIE in your sleep before ALL your saved money goes on hospital bills.

Sadly that's what's in store for ALL pensioners retiring over here.

Unfortunately there is no happy ending getting older in Thailand. Unless you find a really good wife that WILL look after you in old age.

Good luck everyone.

There is One saving grace. Government Hospitals are very good and relatively inexpensive. 🙏🙏🙏
Sebastian ********
Sebastian ********
Ray Taylor I actually got insured here with AIA when I was over 60! Since then have had some fairly large claims including over 600kTHB for radiotherapy for prostate cancer!
GreenPo********
GreenPo********
Ray Taylor absolutely correct everything you say
Tom ******
Tom ******
Ray Taylor That's it in a nutshell Ray.

No need for anyone to post anything else.

Well written mate.
David ******
David ******
OP
I have but always expensive for prostate cancer.

Thanks for the suggestion..

Good luck..

David 👍
David ******
David ******
OP
Ray Taylor

Thanks Ray

I agree and am too old now.

Lucky to have an extended family here

David 👍
Nigel ***********
Nigel ***********
David Dave have you tried Avanti travel insurance UK as I use them and will cover pre existing
Brandon ************
Brandon ************
Insurance in Thailand always excludes pre-existing conditions.
David ******
David ******
OP
@Brandon ***********
Hi mate I only needed pre existing cover for the last 2 years.

So no need to mention it then 👍

Cheers for the info

Dave

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