ask
Search
Ask
Answered12 days ago

Is a quote of 1000 GBP per year for health insurance in Thailand reasonable?

Paul ********
asked Oct 27, 2026
6.5k
views
68
replies
2
likes
Hi Guys n Girls

I'm sure this is often asked but I've just got my DTV today and heading to Thailand next week. Gotta get insurance though. Can't believe how expensive it is and how even more it will be as I get older.

I've been quoted 1000 GBP per year. Does that sound about right
Answer summary
The original poster is seeking advice on the affordability of a health insurance quote of 1000 GBP per year as they prepare to move to Thailand. Community responses confirm that this price is reasonable given the high costs of medical care in Thailand. Experiences shared indicate that health insurance can vary significantly based on age, coverage levels, and pre-existing conditions. Some users suggest cheaper alternatives, while others provide comparisons with health insurance costs in their home countries, highlighting that while 1000 GBP may seem high, it is not unusual considering international health insurance standards.
68 repliesnewest first
34

Click comment and we will ask for your email, then OTP, then name.

Gregory ********
Gregory ********
Sounds pretty cheap
Justin ************
Justin ************
I pay around $60usd a month through Safetywing. Always been good and quick with payouts when needed.
Lisa *****
Lisa *****
Try this company

APRIL International
**************************************


I’m 52 and there best policy is £60, cheapest for me but still good benefits was £40
Jay *******
What age are you?
Jay *******
Jay *******
What age are you?
Paul ********
Paul ********
OP
Jon **********
Jon **********
Check ACS Globe, Coris and Luma
Angelo ***********
Angelo ***********
Depends on your age. Why would a world wide health insurance not be in the EUR / GPD 1000 range? That is 80 per month ...

My health insurance in Germany is: EUR 1100 per month, that is why I mostly live in Thailand.

You most certainly find some cheaper ones, which most certainly have lower coverage.
EmeraldP*********
EmeraldP*********
Sounds about right. I pay around 800 a year and I’m 26.
Yung *****
Yung *****
That sounds incredibly cheap im 30 and pay double that lol
Freddie *********
I've never bought it but depending on the coverage you want i think theres a really basic thai one that covers accidents which is maybe 20 a month or something. Just heard about it though so cant really expand sorry
Freddie *********
Freddie *********
I've never bought it but depending on the coverage you want i think theres a really basic thai one that covers accidents which is maybe 20 a month or something. Just heard about it though so cant really expand sorry
Freddie *********
20 pound or just under or around 1000 baht i think it was
James ********
Thank You for your helpful report Congratulations PRINT OUT THE EMAIL THAT HAS YOUR DTV VISA.That's what you should do... print it out.You may have to show PROOF of your DTV Visa to airline staff on check-in for your flight to Thailand...even to the connecting airline staff. Or to the land border crossing entry Thai Immigration Officer.Upon arrival into Thailand, show the DTV visa to the Thai Immigration Officer and look at the STAMP placed in your passport to be sure you are STAMPED in for 180 days.
James ********
James ********
Thank You for your helpful report 👍

Congratulations 👏👏👏

PRINT OUT THE EMAIL THAT HAS YOUR DTV VISA.

That's what you should do... print it out.

You may have to show PROOF of your DTV Visa to airline staff on check-in for your flight ✈️ to Thailand...even to the connecting airline staff. Or to the land border crossing entry Thai Immigration Officer.

Upon arrival into Thailand, show the DTV visa to the Thai Immigration Officer and look at the STAMP placed in your passport to be sure you are STAMPED in for 180 days.
Angelo ***********
Angelo ***********
@James *******
What has that to do with the question?
James ********
James ********
@Angelo **********
it's a helpful reply given to all who have obtained the DTV visa.
Paul ********
Paul ********
OP
James ********
James ********
@Paul *******
you stated that you just got your approval for the DTV visa. I replied with congratulations and what you should do with it upon arrival into Thailand. Enjoy your next 5 years of the DTV visa 🤗
Lisa ********
Lisa ********
That is such a good price!
Anonymous ******************
Anonymous ******************
That sounds good, who's it with please
Wolf****
But insurance isn’t one of the requirements for dtv. Or at least when i did mine it wasn’t.
Knowledgeable*************
I pay about 21k thb a year, 20 years old
Knowledgeable*************
Knowledgeable*************
I pay about 21k thb a year, 20 years old
Lucian *******
KnowledgeableTangerine8054 where ?
Knowledgeable*************
@Lucian ******
Luna Health Insurance, I’m insured in almost every country expect a few that are exlcluded
Wolf****
Wolf****
But insurance isn’t one of the requirements for dtv. Or at least when i did mine it wasn’t.
Wolf****
Wolf7247 I don’t know about that. Either way I haven’t found anything affordable
Paul ********
OP
Wolf7247 it isn’t but one bad accident or illness and it’s game over isn’t it
James ********
@Paul *******
VERY TRUE 🧐
IndigoG********
Not bad....paying $400 USD a month at 66.
IndigoG********
IndigoG********
Not bad....paying $400 USD a month at 66.
Paul ********
OP
IndigoGrape5836 I'm curious. I'm assuming your insurance is without an excess? Much cheaper with excess of maybe $1000. No?
IndigoG********
Paul ********
OP
IndigoGrape5836 yeh. If you have an “excess” you agree to pay an upfront cost of any treatment should you require it.

This will bring your payment premium down a fair bit
Wolf****
IndigoGrape5836 i lost my insurance at the first of the year and being on a fixed income there’s no way i can afford that. That’s a car or house payment
IndigoG********
Wolf7247 Yeah, getting steep for me too....and it will jump each year so at the end of my time with it.
IndigoG********
@Paul *******
Looking for solutions....ill work something out...
Paul ********
OP
IndigoGrape5836 so going forward, you not gonna bother with insurance?

Geez man. This is rough
Mick *****
Mick *****
Everyone that comes to Thailand from a country with government health thinks insurance here is expensive.That is just perception. In Australia I was still working so paying 3.5% of my gross income to medicare. My free healthcare actually cost me $12,250 year. My comprehensive insurance here costs me $3,300. You can also compare to the US where your employer sponsors your insurance, that's not free it's part of your wages. It is estimated US employers pay an average of 6K to 10K USD per year per employee for health insurance. So when you look at the product you are receiving here and you think 1000 GBP is expensive , it is not it is in fact far cheaper than the western world, it just seems that way because you are used to perceiving it as free.
Ellie *******
Ellie *******
I was quoted £200 a month for a family of 3 including maternity cover so that sounds about right
Rok ********
Rok ********
If you are young the Safety Wing renewable monthly is probably all you need.
Anonymous ******************
Anonymous ******************
That sounds cheap.
Sarna ********
Sarna ********
I feel like thats a good price, in comparison to my research coming as a family of three from nz
Daniel *********
Daniel *********
I use safety wing and it’s about $50 per month. Maybe not as comprehensive as full health insurance but does the job if you’re healthy
P45an*****
@Daniel ********
and young. They are not interested in people over 50.
John **********
John **********
The cost of insurance in Thailand has many variables. Age, level of cover, inpatient only or inpatient and outpatient, preexisting conditions and so on. Impossible to say if that's expensive or not.
Vitaly ********
Vitaly ********
Sounds about right. William Russell?
Yung *****
@Vitaly *******
what plan do u have from them thats 1000 a year lol
Vitaly ********
@Yung ****
I've never said I had a WR plan. It was one of the options, when I was looking for an expat insurance about 12 years ago. My memories of that time are a bit fuzzy, but I think it was 2k-ish for something not too fancy
Yung *****
@Vitaly *******
no deductible and all outpatient included
Vitaly ********
@Yung ****
3k is not too bad if outpatient is included and deductible is reasonable. Anyways, I’m on ACS Asia Expat plan, which is significantly cheaper
Yung *****
@Vitaly *******
i imagine it gonna escalate crazy expensive though im 30 and already at 3k a year…
Vitaly ********
@Yung ****
yeah, I have a few friends happily using them since the 90s
Yung *****
@Vitaly *******
oh ya i pay alot but they are solid.
Yung *****
@Vitaly *******
definitely not i have WR as a 30 year i pay like 3000$ a year lol for 60 year old im guessing double that
Knowledgeab***********
Knowledgeab***********
Yes sounds about right.
Biff *******
Biff *******
That’s like £84 a month. Sounds about right

Hospital costs in Thailand get expensive quickly.
Jen ********
Jen ********
Yeah that ballpark yearly for sure. You can get cheaper if you just want absolute emergencies covered
Wannikea *********
Wannikea *********
Dave ***********
Dave ***********
Yes proper health care is very expensive here even for small things , break a leg and end up in Bangkok hospital it would cost a few grand I suspect

I was over 500 just to get my bloods done after a recent allergic reaction
DecisiveCh**********
@Dave **********
I broke my wrist several years ago and was quoted 12k USD. I paid in cash and got it down to 8k so yes very very expensive.
Paul ********
OP
DecisiveChestnut9563 Did your insurance not cover it or you just weren't interested in getting insurance?
Dave ***********
DecisiveChestnut9563 yep one fall of a scooter can wipe out you savings overnight

Luckily i have health care from my employer and bangkok hospital is on their approved list

You would be stupid to come here and not have insurance
Rodger ********
@Dave **********
500 what ?
Dave ***********
@Rodger *******
British pound as ended up in Bangkok hospital

Yes I understand routine bloods can be as little as a 1000 baht but it wasn't routine
Dave ***********
Your right it was 15k baht but then I had the medication on top that brought it to over 21k

Then back in scotland I went private and now on medication for life that requires monthly blood tests at 300 gbp a pop do want to see that receipt as well you buffoon
Angelo ***********
@Dave **********
Who is going to believe that?

A blood test is 500THB, not 500EUR/GPD: does not matter where you are doing it.

/FACEPALM

Activity

34 joined
Paul ********
Paul ********
Paul ********
Paul ********
Paul ********
34
people
Destination Thailand Visa (DTV)
...members
Member 1
Member 2
Member 3
Member 4
Member 5
Member 6
Member 7
Member 8

Related

25
What are some recommendations for health insurance in Thailand for a Non-O visa?
1.9k20128d
What are the best health insurance options available for expats over 70 in Thailand?
3.5k30382mo
Is £300,000 enough for a 59-year-old to retire in Thailand?
36.1k2376005mo
Why is financial stability important for expats living in Thailand?
8.6k75896mo
What are the top things to prepare for when moving to Thailand with a dog?
7.8k291788mo
Why should expats consider Cambodia over Thailand for retirement visas?
21k1273639mo
What health insurance options should I consider while spending a year in Thailand on a DTV?
1.1k751y
What are the best health insurance options for expats moving to Thailand?
3k23162y
What is the cheapest health insurance for over 50s applying for a retirement visa in Thailand?
8.3k76672y
Is health insurance required for entering Thailand on a tourist visa?
1.5k662y
Is health insurance required for a Non-O marriage visa in Thailand?
2.2k12142y
What are the tourist visa requirements for Thailand and how safe is the country for travelers?
1.8k11192y
What are the options for affordable health insurance for long-term visitors in Thailand?
4.3k32452y
What are some affordable health insurance options for retirees in Thailand?
4.1k36132y
What are some acceptable health insurance providers for applying for a retirement visa in Thailand?
1.2k682y
What is the annual cost of health insurance in Thailand for expats?
1.4k973y
What is the average monthly living cost for a single person in Thailand?
28.9k2143943y
What are some recommendations for reasonably priced health insurance for an O/A visa in Thailand?
44315y
What are the current costs for hotel packages and health insurance in Thailand?
3.3k30185y
What are the current health insurance requirements for a Non-O 90 visa and 1 year extension in Thailand?
7681105y
What are the best health insurance options for expats moving from the US to Thailand that meet Visa requirements?
59215y
What are the best health insurance options for OA visa renewal in Thailand?
1.1k95y
Is a monthly health insurance cost of £106 reasonable for a 70-year-old in Thailand?
3.5k28316y
What are the best options for health insurance in Thailand?
1.9k14127y
What is the current status of health insurance for Extension of Stay in Thailand?
2847y

Resources

Need help with your Thai visa?