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What are some recommended health insurance options for expats moving to Thailand?

Health InsuranceThailandExpat LifeVisa and ImmigrationAIA ThailandWRLife InsurancePacific Cross InsuranceAXACIGNAInsurance ExperiencesOut-of-Pocket Payments
Apr 18, 2024
7 months ago
Linda ******
ORIGINAL POSTER
Hi I’m from SE Asia & will be moving to Thailand. Wonder any good health insurance ? I find AIA Thailand alittle pricey. Apologies if this has been asked before. TIA.
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TLDR : Answer Summary
A user from Southeast Asia has inquired about good health insurance options for their upcoming move to Thailand, expressing that AIA Thailand seems expensive. The community has recommended several insurance companies, including WRLife, AXA, and CIGNA, along with experiences about the challenges of insurance coverage in Thailand. Members shared caution about the conditions under which some policies operate, emphasizing the importance of checking coverage details, especially for pre-existing conditions. Others shared their experiences with paying out-of-pocket for medical expenses, noting that this can sometimes be more economical than insurance premiums. Several users also mentioned a specific advisor and provided links for further assistance.
Cel *******
I am checking with pacific cross .. local Thai insurance.. it seems reasonable

Has anyone had any experience with it?
7 months ago
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Galenus ******
@Cel ******
 yes, the worst ever. If you're not 100% healthy, they exclude almost everything, at least for 3-5 years. If so you can pay for the hospital by yourself. I'm happy with WRLife 👏👍
7 months ago
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Cel *******
@Galenus *****
 ic.. thanks for sharing ur experience.. I’ve checked WRLife and like them but unfortunately, they don’t have direct billing with Sriphat which I usually prefer to go to.
7 months ago
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Galenus ******
@Cel ******
 but they do direct billing with RAM
7 months ago
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Galenus ******
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Galenus ******
WRLife, best and affordable🤗
7 months ago
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Robert ************
@Galenus *****
 but do they pay the claims and do they not cover pre existing conditions
7 months ago
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Galenus ******
@Robert ***********
 they pay the claims and cover pre-existing conditions. Ask for a quotation.
7 months ago
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Galenus ******
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John ********
If/when I get to go back to los, if I need a hospital I'd go to a Government hospital because if I had to pay for hospital I'd rather my money go to a government hospital than a private one.
7 months ago
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Keng ************
Allianz

If you are interested please direct message
7 months ago
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Shaw ************
AIA is worth the price.
7 months ago
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Galenus ******
@Shaw ***********
 No
7 months ago
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Galenus ******
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Steve **********
I think Thailand is in SE Asia
7 months ago
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Linda ******
ORIGINAL POSTER
@Steve *********
 yes it is SE Asia
7 months ago
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Steve **********
@Linda *****
?
7 months ago
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Steve **********
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Nigel ***********
Joys of living under theNHS is not to pay ,health is wealth in thailand ,that why it's expensive
7 months ago
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Pascal *****
AIA seems a good choice
7 months ago
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Rachel *******
Speak with
@Peter ******
 fully qualified financial advisor dealing with health insurance in Thailand.

Has access to 100's of providers rather than a select few so can find you the best prices and cover.

Totally free consultation
7 months ago
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Dorian ********
@Annie *****
 …for health insurance
7 months ago
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Linda ******
ORIGINAL POSTER
@Dorian *******
 🙏
7 months ago
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Linda ******
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Steve **********
Payed " out of pocket " for last 20 years.

Once your settled, find a local Hospital and Dr.

I have no serious issues and have paid less in Med bills in 20 years than I would have paid in 4 months of Insur Premiums .

Pharmaceuticals very inexpensive.

If you do have serious health issues..stay home

Insur Co's here are same as home...serving themselves !
7 months ago
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David ******
@Steve *********
 this is the route most are taking but it’s scary what happens if one ends up with something serious.
7 months ago
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Peter ********
@David *****
 that’s just the point. Have a large deductible I guess. I have zero deductible as if I have a heart attack I don’t want hassle at admission.
7 months ago
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Steve **********
@David *****
 It the ' what if ' line that insur agents scare you with. Then you need a lawyer to get them to pay.

If have chronic condition , don't come. If in good health, Thailand only adds to it.
7 months ago
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Steve **********
@David *****
 That's what insur Co say.

You're paying for worst condition.

I pay oop for almost 21 yrs. No big thing as with most of us, tuck some away. You negotiate with Dr...alwats better than insur, as they say hospital charges this, but becsuse insured only 'pay this '

Pay out of pocket always cheaper than ' you only pay this.

Your paying insur sales salary , house, kids educ etc.
7 months ago
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Steve **********
@David *****
 you know insur Co's, they' ll swear preexisting, or their small print etc

Insur cos have huge building and employee numbers.

It's all paid with your premium.

Go to Dr, negotiate. Be honest...guarantee you'll dump insur Co.
7 months ago
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David ******
@Steve *********
 thing is in the West, there are rules and regulations for “discrimination” and punishment for breaking the laws. You can’t just bribe people and get back out in the streets like here. Big difference. You get what you pay for but not here hence “self insure” by default
7 months ago
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Steve **********
@David *****
 have no idea 😳 what you're talking about !

Have been to a hundred countries, cons are cons in any culture. Corruption endemic in all.

Insurance is the worst of all industries.

You have health......!

You have health care...!

Now you have an entire industry that's insinuated itself between the two.

One is not needed, it's parasitic
7 months ago
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Steve **********
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Carlos *********
@David *****
 15 years ago you didn't need it. Could pay out of pocket. An mri and a night at the hospital was ~200 US. But they found the western insurance game and started Gouging people. Now everytime I look at it there's in care out care up care down care!?! Wth, I don't understand stand it, and give up.
7 months ago
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Carlos *********
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Kevin *********
Just don’t get sick! I’ve got Parkinson’s Disease which nobody will cover. So I’m stuck with my company who knows I’m trapped so the price goes up every year with no relief in sight.

Insurance companies get paid not to pay out any money. If you get seriously ill they’re eventually going to bleed you dry. I’m having trouble making the payments now. What happens in 5-10 years? They just want to get rid of me before I get sicker. They should be illegal!
7 months ago
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Mel ******
@Kevin ********
 agreed. So unethical!!
7 months ago
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John ********
@Mel *****
 All private health insurance is unethical. They can call the UK NHS all they want, it's overstretched because of all the freeloaders crossing the English channel in dinghies and trucks, plus all the indigenous who take it for granted with their shitty lifestyle habits, but I cherish OUR NHS.
7 months ago
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John ********
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Peter *********
All exspensive
7 months ago
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Galenus ******
@Peter ********
 No, get a quotation from WRLife
7 months ago
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Linda ******
ORIGINAL POSTER
@Galenus *****
 how to get in touch with WR Life pls ?
7 months ago
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Galenus ******
@Linda *****
******************
7 months ago
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Linda ******
ORIGINAL POSTER
@Galenus *****
 🙏
7 months ago
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Linda ******
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Linda ******
ORIGINAL POSTER
@Galenus *****
7 months ago
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Linda ******
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Phil ******
@Linda *****
 its the best and pays out no problems. Pick a cheaper one you might have a headache
7 months ago
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David ******
AXA AIA CIGNA. Any insurance that is worth having is very expensive like back home I found. I already got to see how “insurance” really works in Thailand first hand so…I personally would not get any Thai insurance unless you get it through your employer.
7 months ago
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Steve **********
@David *****
 agree, wholeheartedly.

Pay 'out of pocket'

It's very inexpensive, phar costs very cheap.

Been paying OOP for over 20 years.. my OOP for all those yrs , less than 3 months Ins Co payments
7 months ago
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Galenus ******
WRLife, the best and affordable!!!👍
7 months ago
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Galenus ******
@David *****
 BS
7 months ago
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David ******
@Galenus *****
 do you love anal sex like I do? Let’s meet up for it?
7 months ago
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Galenus ******
@David *****
 😡👎💩😱
7 months ago
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Galenus ******
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Linda ******
ORIGINAL POSTER
@David *****
 I have health insurance in my home country n thinking if it is better to coverage as well in Thailand
7 months ago
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David ******
@Linda *****
 I don’t know your situation but double check that you have coverage in Thailand(which I doubt).

If you’re looking for coverage like back home like USA is blue cross blue shield etc look at the 3 I mentioned. There are no rules or regulations here ie FTC, public health regulators etc.

if they decide to decline your coverage, what are you going to do? Sue them? If you buy insurance here, test it out within the first month to make sure they will pay for it. Don’t wait 3 years down the road to use it then get declined when you’ve paid 3 years of premiums.
7 months ago
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Janin ******
@David *****
 , BDAE covers you in each country you want to. (Like Thailand + USA) worth to look at it, because you can choose the countries where you want to be insured.
7 months ago
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David ******
@Janin *****
 this is a new one I’ll have a look thanks. Do you have this?
7 months ago
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Janin ******
@David *****
 yes I have. But no health issues. A friend of mine has health problems and they accepted him (without those problems, because he was honest) and they made a suggestion that he could be insured completely if he payed a certain amount more.
7 months ago
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David ******
@Janin *****
 thanks!
7 months ago
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Mel ******
@David *****
 sadly many insurance companies will gladly pay for small claims. You only find out you have a problem when you have a major issue and really need the insurance
7 months ago
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Mel ******
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Stephen ********
@David *****
 what was your insurance experience
7 months ago
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David ******
@Stephen *******
 not a good one where they denied coverage and they also tried to extort me on top of it. I will never purchase “Thai” anything.
7 months ago
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Stephen ********
@David *****
 but but but its paradise 5555
7 months ago
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David ******
@Stephen *******
 can be for the low class and low quality because the lives aren’t valued much.
7 months ago
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David ******
@Stephen *******
 “it’s hot, beer and women are cheap”
7 months ago
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David ******
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Paul *******
Follow
7 months ago
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Jürgen *******
Talk with
@Annie *******
She will make you the best possible offer at AIA and she will assist you
****
all year as a VIP 👍
7 months ago
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Steve **********
@Jürgen ******
 sure she will, you're paying her salary, vacations, bar tabs with your premiums.

Until you need the coverage.

Then:

Sorry, ' this number no longer...........'
7 months ago
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Linda ******
ORIGINAL POSTER
@Jürgen ******
 🙏
7 months ago
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Jürgen *******
@Linda *****
 this is my experience with her and she also will assist you if have visa questions
7 months ago
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Jürgen *******
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Brian ***********
WR life
7 months ago
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Linda ******
ORIGINAL POSTER
@Brian **********
 🙏
7 months ago
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Linda ******
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Galenus ******
WRLife 👍👏
7 months ago
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Linda ******
ORIGINAL POSTER
@Galenus *****
 can also IM me too 🙏
7 months ago
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Linda ******
ORIGINAL POSTER
@Galenus *****
 🙏
7 months ago
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Terry ******
@Galenus *****
 Where can I check out WRLife? Please IM me. Much appreciated
7 months ago
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Galenus ******
@Terry *****
 +66 2 719 78
****
7 months ago
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Galenus ******
@Terry *****
*********************************************
7 months ago
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Galenus ******
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Graham ******
Look here
*********************************
7 months ago
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Linda ******
ORIGINAL POSTER
@Graham *****
 is this insurance broker ?
7 months ago
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Graham ******
@Linda *****
 Yes, was formerly known as Mr Prakan (search for that name on here)
7 months ago
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Linda ******
ORIGINAL POSTER
@Graham *****
 🙏
7 months ago
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Linda ******
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