What are some recommended health insurance options in Thailand for expats seeking alternatives to CIGNA?

Question

I am looking for a less expensive health insurance option than CIGNA. I have kept CIGNA as it was my insurance company when I was working and kept it into my retirement. It has been ok. I haven't made a claim for years. Also, I rarely return to USA now and already have MEDICARE coverage in USA.

The policy would need to have good catastrophic coverage, worldwide travel except USA, high daily hospitalization rates. A high deductible is ok as I am rarely sick.

Also needs to meet requirements of 10 year wealthy pensioner visa.

I live in Surin Province but if I was ever very ill I would probably go to Bangkok or maybe Korat.

Thanks!

Ask Thailand · Answer

An expat in Thailand is seeking a less expensive health insurance option than CIGNA, looking for good catastrophic coverage, worldwide travel (excluding the USA), and a policy that meets the requirements for a 10-year wealthy pensioner visa. Comments from the community recommend various brokers and alternatives that provide comparable coverage at lower costs, emphasizing the importance of working with an insurance broker to find the best fit for specific needs.

Faith ********* · Answer

Broker Max at Bcare Brokers. very knowledgeable

Nick ***** · Answer

Dropped Cigna for Bangkok Insurance this year. 88% reduction in cost, comparable coverage, qualified for Non OA visa. I agree with the other comments recommending the use of an agent/broker. Cigna International  was not the same customer service quality as Cigna USA. That and a proposed 22% increase in premium with no change in coverage made the decision easy.

Neil ******** · Answer

Best to go through broker. I went through aa insure and got cheaper cover than cigna through pacific cross

David ********* · Answer

Curious where in Surin you are. Am applying for LTR next year.

Tanima *************** · Answer

Hi Ted,

I would reach out to Richard Yates from [mention redacted]. He’s the Health Insurance Broker we used. He was super helpful when I was looking for insurance last year, he will also breakdown the technical jargon and help simply the process.

Digby ******** · Answer

You need to give your specific requirements to a broker.

The first place to start in *knowing* those requirements.. that means knowing how much hospitals charge for an in-patient room, an ICU room, diagnostic scans, like CT, MRI, PET, endoscopic tests, . and expensive surgery like heart bypass.  Many people don't get enough cover  and end up paying significant amounts out of their own pocket..... If you have been retired for quite some time, and you get the appropriate level of cover, expect annual premiums to be significant... Many people with Non-O visas choose to self-insure

Phil ****** · Answer

Broker Ted Osmond

Owen ******** · Answer

Talk to [mention redacted] they may have something to help you

Harry ******** · Answer

I give you my advise after careful and longtime study of insurance....stay with cigna like i did even knowing you pay more.

Their policies are the best and as usa national you have easy co tact with their customers service ....

Trebor ******** · Answer

Aussie Went to a broker in Changmai Seemed good Value 1800 usd basic next was 3k I think Lot depends on Outpatient/inpatient .I would go to several brokers and utube is your friend Good Luck

Raymond ********* · Answer

I've been using wrlife for roughly 3 years they're more reasonably priced than others I have seen also they lock in the premium as long as you don't claim or lapse payments and you can pay monthly

What are some recommended health insurance options in Thailand for expats seeking alternatives to CIGNA?

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