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Answered2 years ago

What are some affordable health insurance options for a 68-year-old on a Retirement Visa in Thailand?

Health Insurance Retirement Visa Thailand Expat Services Insurance Options Non-O Visa

Alton *******

OP

asked Dec 8, 2024

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Looking for options for Health Insurance for Thailand  Retirement Visa  for a 68yo relatively healthy Quotes I'm getting of $900-$1200usd monthly are not an option. What inexpensive option is there? My health insurance I have doesn't cover outside USA.

Answer summary

A 68-year-old expat is looking for affordable health insurance options for his Thailand retirement visa, as he finds the quotes of $900-$1200 per month too high. Community members shared various options, including policies from companies like Pacific Cross and WRLife, with some members mentioning they pay significantly lower rates, such as 295 Euros per month at age 77 or 40,000 Baht annually at age 63. Others suggested brokers such as Tenzing Pacific Services and recommended exploring Non-O visas as a way to have more flexible insurance choices. Users also highlighted the importance of considering local insurers and not relying solely on international plans.

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Richard ********

Richard ********

I just paid ฿10,600 for a bare-bones minimum policy through CheckDi. I'm 67, and in excellent health with no pre-existing conditions. I'm doing this for the O-A visa.

0

Robert ************

Robert ************

In two years you will be 70. At that time you will be either canceled, or the price will be astronomical. If you are healthy go without insurance, and set money aside every month.

0

Rob **********

Rob **********

Try AXA

0

Jody ********

Jody ********

Alton Mingo...please speak to

@Robert ********

. He and his wife are top notch agents, and can guide you to the best plan to fit your needs and budget.

They helped me immensely.

0

Paul *******************

Paul *******************

WR life, Mike

***************************

0948961727•Mobile

**********

*****

*****

•Mobile

0

Joseph *********

Joseph *********

Suggest you try Pacific Prime....they are Health Insurance Broker...give the. Your country eg Thailand and requirements and they will give yiu options that might suit your budget.

0

Julane *******

Julane *******

Cigna Global, Silver. 61 yrs about $3600 annually. No deductible. But I've been with them for many years.

0

Wyn **********

Wyn **********

Get Falcon for the OA visa around 8000 bht with a

*****

0 deductable then top up with WR Life

*****

bht no deductable

*****

USD cover inpatient and outpatient

2

Andreas *********

Andreas *********

I would be careful, as running two separate insurances side by side, makes them void

1

Wyn **********

Wyn **********

@Andreas ********

you can have more than one policy but not with the same insurer.

0

Andreas *********

Andreas *********

*******************************************************************************************************************

*****

827/Am-allowed-two-travel-insurance-policies-claim-both.html

0

Andreas *********

Andreas *********

No, it's not advisable to have multiple travel insurances for one trip. Most policies will not pay out if you have overlapping coverage. It's better to choose one comprehensive policy that meets all your needs

*****************************************************************************************************************

0

Andreas *********

Andreas *********

It's not illegal to be dual insured, but it can make claiming more complicated. For example, if you needed medical care abroad and had two travel insurance policies that could payout for the claim, you won't get double the money. Instead, the insurers would decide how they will split the bill . . . .

***************************************************************************

%20not%20illegal%20to%20be,they%20will%20split%20the%20bill.

0

Peter *******

Peter *******

The problem with that is nobody can sell you WR life in Thailand

1

Wyn **********

Wyn **********

I bought it online here in Thailand no problem

0

Peter *******

Peter *******

Thank you but have you been to the WR LIfe office as I was told there is none and they have to use another company for assistance ?

0

Wyn **********

Wyn **********

They have office in Bangkok plus the the company I have is a well known Thai insurer. Wr Life is a broker who finds you a policy .👍

0

Peter *******

Peter *******

Sure no problem but if you need help in a claim there is nobody here to help - you have to contact overseas which is not good in an emergancy

0

Brook ********

Brook ********

Get a Non O visa instead of a Non OA Visa.

Instead of choosing from 14 Thai health insurance companies, you’ll be able to choose from any health insurance company in the world, or just self insure. It’s entirely up to you.

3

Peter *******

Peter *******

I used these people to help me though the minefield that is Medical Insurance and was very happy with them

****************************************

1

Daniel ******

Daniel ******

Expatcompares.com will guide you through what’s your best options

Speak to

@Jamie ********

0

Tiashira *******

Tiashira *******

Following

0

Don ********

Don ********

I'm 63 and I have Pacific Cross; and pay approx 40k-baht per year (of course, that is the option that I chose). You can get a fast quote from CheckDI, which is an insurance agent.

1

Danny *******

Danny *******

l have had a very, very bad experience with them. 😡

1

Don ********

Don ********

Danny Dukes...my experience has been great so far 👍

0

Galenus ******

Galenus ******

me too, before I changed to WRLIFE

0

Don ********

Don ********

...my experience has been great so far 👍

0

Mark ***********

Mark ***********

Talk with Taylor Monastra at Prime Pacific Thailand.

0

Nick ************

Nick ************

Wrlife.net

2

Vijay *****

Vijay *****

Geobluetravelinsurance.com

0

Alton *******

Alton *******

OP

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0

Alton *******

Alton *******

OP

When I do a quick quote on your site it comes up twice as much of what I'm complaining about

0

Vijay *****

Vijay *****

...get the plan that works for you...

0

Aake **********

Aake **********

Try Coris, im 70 and pay 1200 eur/year

0

Christopher *************

Christopher *************

Try wrlife

4

Galenus ******

Galenus ******

Just send an inquiry to WRLife. Best rates ever.🙏. Don't spend money on all those agents

7

Alton *******

Alton *******

OP

Thanks I did it was a big difference

0

Ron *********

Ron *********

WRLife is good here in Thailand. Just had a hernia operation a few months ago. No issues, WRLife full coverage, even private room for 3 days. I paid 137 baht when I checked out.

5

Peter *******

Peter *******

But again, there no WR Agents or Brokers in Thailand

1

Galenus ******

Galenus ******

actually, there is an office in BKK. But for what you need an Agent? To fill his pockets???

0

Galenus ******

Galenus ******

...and that is why you don't pay much🤗

1

Galenus ******

Galenus ******

I'm 77 and pay 295 Euro/month

1

Jennifer *******

Jennifer *******

who with please

0

Brian **********

Brian **********

I would strongly advise that you do a thorough review of this company. You can start with TrustPilot.com and go from here.

0

Galenus ******

Galenus ******

@Brian *********

how many answered there? Less than 10 ??? And how many hay members would this company have? 1000, 10.000, 100.000 or more?

Don't be foolish!

0

Galenus ******

Galenus ******

@Brian *********

🥱🥱🥱🥱🥱

0

Brian **********

Brian **********

you’re the foolish one! foolishness is not doing your due diligence on something as important as travel health insurance! AND I said, START with TrustPilot, “and go from here”.

0

Alton *******

Alton *******

OP

Thanks Galenus that was a unbelievable difference in price from quotes I was getting Thanks to everybody and for this great site!

1

Michael ******

Michael ******

Have you ever claimed on it?

0

Galenus ******

Galenus ******

not yet

0

Michael ******

Michael ******

Then that's when you find out how good the policy is.

1

Mike *******

Mike *******

what company

0

Galenus ******

Galenus ******

WRLIFE. Ask for a quotation

0

Mike *******

Mike *******

thanks I will

0

Galenus ******

Galenus ******

WRLIFE

0

Nick *******

Nick *******

You sure that is not for the year? I pay that per year and 60yr old.

3

Alton *******

Alton *******

OP

Yes it's monthly I have had several insurance inquiries and they all come back about the same price $900-$1200usd

3

Robert ************

Robert ************

but I don’t know if they pay their claims or just deny

0

Robert ************

Robert ************

I got a cheap quote from Cigna only 550.00 a month

0

Shane ********

Shane ********

Speak to

from

@Tenzing ******************

for all your health insurance needs. Highly recommended, and Tenzing is the leading expat health insurance broker in Thailand.

*****************************************

0

Cheryl ***************************

Cheryl ***************************

@Tipanan *******

and her team can help with that.

1

Rachel *******

Rachel *******

Speak with

fully qualified financial advisor dealing with health insurance in Thailand.

Has access to all providers, so can compare all and find you the best cover and prices rather than comparing just one or two.

Totally free consultation

7

Peter *******

Peter *******

Stay clear of so called Financial Advisors - use a real Broker

1

Peter *******

Peter *******

I completely agree with Peter and Wayne, financial advisors invariably have much more expertise and are generally more qualified to advise clients of the best option for them - thanks for the endorsement, guys. 👍

0

Wayne ********

Wayne ********

I can go along with that, but I wouldn’t consider buying health insurance a financial matter. so why go to a financial advisor. For insurance I would go to someone whose sole purpose in life is to sell insurance and advise people on insurance costs and comparisons.

1

Rachel *******

Rachel *******

not sure what you mean by that?

0

Wayne ********

Wayne ********

a financial advisor covers an entire realm of financial situations and insurance broker deals strictly with insurance

3

Keith *******

Keith *******

I'm 59 and I pay that per year with AXA Thailand

2

Ruel *******

Ruel *******

no pre existing conditions?

1

Keith *******

Keith *******

2 but my policy doesn't cover them, Mild asthma and Colitis

0

David ********

David ********

Non O visa does not require health insurance. OA requires health insurance. Apply under "other" for Non O.

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