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What are some options for lower cost health insurance in Thailand?

Jul 5, 2025
9 days ago
I’m looking for a lower cost Thai health insurance. Does anyone know of any?
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TLDR : Answer Summary
The discussion revolves around finding lower-cost health insurance options in Thailand. Several community members provide recommendations for insurance brokers, online resources, and specific insurance companies. Notable suggestions include contacting Rungtiwa, a licensed insurance broker, and Tenzing Pacific Services for assistance in comparing policies. Other suggestions include using insurance comparison websites and specific insurance plans like LMG and AIA, which may vary in cost depending on age and coverage needs. Some participants also caution against very cheap plans that may not provide adequate coverage.
Olav *********
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Frank ********
Langzeit-VISA Plus | LMG Versicherung
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🤔
Harold ********
Well said
Mike ******
Save your money
Mike ******
Self insure
Oo *****
Look for cover for using public hospitals. Cheaper. 42.000 baht last renewal for me.
Jon **********
Sunday insurance
Stewart **********
Good luck. It is directly linked to your age.
Andrew ********
Cheaper insurance means lower coverage, i find that paying medical treatments in thailand to be cheaper then insurance at times less.oit of pockets. Cheaper your premium also means co-pays
Jimmy ********
How much for a 74 year old live in Pattaya
Bora ********
AIA
John ***********
Go on lotus. Best for over 65 .🙏🏻❤️
Mark ******
@Ste****
at Globe Insurance can help you out.
Simon *******
I use Thai life , 43 k per year , 15 mil cover

56 yrs old
Suresh ************
@Simon ******
can you please share more details, i was asked to pay 350k for 3 million cover with aia
M.J. *******
@Simon ******
what kind of visa fo you hold for that type of Insurance?
Simon *******
@M.J. ******
retirement visa
M.J. *******
@Simon ******
okay ,thanks
Ome *****
Exercise
Chanya ********************
I help expats in Thailand find reliable health & life insurance with great coverage and real support — in English.

I work with top insurance providers and personally help with claims and questions along the way.

If you're still looking, feel free to message me — I’m happy to help you find a plan that really fits your needs.

For a quick chat, you can also reach me on WhatsApp. 0815395944
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Chanya Noot Sena

Your Insurance Planner in Thailand
Wayne ******
Dont use regency
Paul ***************
@Wayne *****
why ? As I was looking into that one .
Wayne ******
@Paul **************
they tell u are cover during an emergency, say operation and treatment will be covered and say no in the end... total scam paid 4000 usd for plan, cost me 100k
Robert *******
AiA is the best if you under 60. Over 60 going to cost no matter who you go with
Dany ********
@Robert ******
how much is it roughly for someone under 60?
Simon *******
@Dany *******
it increases every 5 years , 51 , 56 , 61 etc…
Robert *******
@Dany *******
I pay
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bhat for 5 million
Simon *******
@Robert ******
I pay 43 for 15 million baht, Thai life , 56
Dany ********
@Simon ******
thanks bro 👊
Val *******
I am moving soon to Chiangmai very soon and thats what I am loooking for please provide more informations guys.
Todd *********
Cheap insurance is always the best coverage
Sven **********
Keep in mind with your search , that very cheap insurances often fail to deliver when you are in absolute need.
Marco *******
Depends on how long you plan to stay out of your home country. If you're moving abroad semi-permanently/permanently, you'll want comprehensive international health insurance. You'll need the better benefits like cancer treatment and coverage for preexisting conditions as you get older.

You'll need to get on a plan before you get too old. Once you are insured, you can stay insured for life. But if you wait until you're older then you may not get accepted.

I use this company for my comprehensive international health insurance. They are founded by expats and focus on expats. They work with something like 50+ different insurers, so they'll always find you the best value policy with a reputable insurer that fits your budget. I found a UK plan from HCI the best value.

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Michael ***********
@Marco ******
Whats considered 'old'?
Marco *******
@Michael **********
depends on the insurance company. Some cut off at 67, others at 60. There are some that offer coverage for older, but I don't know them. Agents would know better.
Michael ***********
@Marco ******
Got it. I'm 60. Not sure yet, but might wait until 62 to retire in Thailand. That way I'll have 2 Pensions then*1 private pension from 32 yrs at a Union job and S.S. at 62. I have no pre-existing conditions.
Daniel ******
Chat to Jamie at Expatcompares.com
Sandy *******
@LawyerTrin ********
Pacific Cross great rates
Dorothy ******
Following
Francois ********
LMG Thai ins comp

Yrly premium about 8,000thb

40k Thb OP

400k thb IP

Qualifies

For OA-10 yr retirement visa from

Thai Emb in ur hme country
Terry *********
@Francois *******
can you send me a link for web site thank you
Desi ***********
@Francois *******
really? May I have also information? Thank you
Alireza ****
@Francois *******
can foreigners also apply for this insurance?
Gerald ********
Try looking on this site
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4766&gbraid=0AAAAADvXq8NC8PX3LfJ4f2LQSjmlrxXAq&gclid=Cj0KCQjw953DBhCyARIsANhIZoawlPkoaNnYVrop3Z5xqLgq_5Yuv6ceX3_NRCR7ntpHQWWVEHHc9nQaAg9AEALw_wcB
Arpan ******
Hello

If you are in Chiangmai then I know a very good agent for you
Jimmy ****
Arpan ******
@Jimmy ***
She is in Chiangmai

Do you want her contact details?
Jimmy ****
Arpan ******
@Jimmy ***
Her name is thawinan

Her contact number is 0875763687
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Shane ********
Talk to
@Tenzing ******************
a very helpful insurance broker in Thailand, highly recommend
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Ricky *******
If you’re looking for insurance, my wife Rungtiwa is a licensed broker who can compare multiple top Thai companies to get you the best coverage and price. She offers car, motorbike, home, travel, health, life & more. Friendly service in Thai & English.

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96

📧
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📱 LINE: @416fsoar
Carl *********
@Ricky ******
I sent her an email a couple of weeks ago. Can you ask her to check her spam box?
Ricky *******
@Carl ********
hey Carl, this email address was only made recently. She now provides insurance for more companies at once, not sure if she still has access to the old one, but I'll tell her to have a look if she can see it
Jay ******
@Ricky ******
that line id doesn’t exist anymore, its been closed
Ricky *******
@Jay *****
okay thanks anyway Jay. She'll fix that issue up with the automatic response for sure. Cheers mate
Jay ******
@Ricky ******
thanks for the contact information
Jay ******
@Ricky ******
🤣🤣🤣 don’t you think I know that?

When send message to her line it comes an automatic response where she say that that account is closed and she doesn’t give the id for her new line account.

I can send you a screenshot if you don’t believe me
Jay ******
@Ricky ******
this was her automatic response, it say this account is closed

And 40 min lashe actually answered anyway on the same account she said was closed 🤣
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