Answered2 months ago
What are the best health insurance options available for expats over 70 in Thailand?
Can anyone help with regards to recommendations for health insurance for expat over 70ss
Answer summary
The conversation revolves around health insurance recommendations for expats over 70 years old in Thailand. Responses suggest self-insuring or directly paying for medical expenses, citing distrust in insurance companies due to potential exclusions for pre-existing conditions. Some individuals share their experiences with insurers like AIA and WrLife, noting age limits and customer service issues. There is an emphasis on the affordability and quality of government hospitals in Thailand, making self-insurance viable. The discourse highlights varying costs for insurance based on age and individual health status.
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Heikki **********
WrLife, no age restrictions, i’m 72 and had it for 5 -6 years and works perfect. Direct billing to all major hospitals as Bangkok hospital etc.
Clarke ********
If you made it to 70+ with no medical conditions/ taking meds you’ve already kicked a massive goal.
John *********
Self-insure if you are over 70.
Vincent *****
Just having high BP is insurance cop out who dosnt these days have a slight BP 🙄🙄🙄
James ***********
lucky you
Dek ******
OPVincent May im 73 and my blood pressure is fine
Kevin *******
Self insure ! Put what's called disposable income in a separate bank account add as much as you xan afford every month ! Make sure someone you can trust can get access to it ! My brothers in Spain same insurance company for 27 years got to 70 didn't want to know him ! They'll use any excuse not to pay out ! Loss adjusters! I'm 70 I've known expats sell their condos didn't save them ! I've told my wife on no account sell the condo or our house ! At 70 you should br selecting coffins ! Lol
Kevin *******
I think up to £200 a month! Thais hospitals are realy cheap just avoid the likes of Bangkok hospital as they're loaded with great technology but not always having the technicians to work them ! As we say in golf "All the gear no idea !
Dek ******
OPKevin Dunne what would be a reasonable monthly amout
Ray ********
Kevin Dunne Pretty much what I was thinking too. I'm 77 and have got to self insure, because with my pre existing conditions absolutely no one even offers insurance.
The good news is that government Hospitals where most Thais go to are VERY good AND reasonably priced too.
At our ages there's a good chance you will not recover from a major operation carried out anywhere at any cost, so why bother. Be greatful
for the life you have already lived.
I want to live forever, so far so good 😊😊😊🙏😊😊😊
The good news is that government Hospitals where most Thais go to are VERY good AND reasonably priced too.
At our ages there's a good chance you will not recover from a major operation carried out anywhere at any cost, so why bother. Be greatful
for the life you have already lived.
I want to live forever, so far so good 😊😊😊🙏😊😊😊
James ***********
Put your money in the bank every month. Start with a nice lump sum. Don't trust the insurance company. Pre existing conditions is an escape clause.
Stewart *********
Just make sure they are registered with the OIC lot of crooks about you will get hammered with a lump sum to pay first if you are taken ill God forbidden with some companies don't forget to declare any pre existing conditions too
Peter *******
Presumably you have no pre-existing conditions?
Farang *********
Peter Scuba Remember that trip to the GP when you were 5. Insurance companies do.
Dek ******
OPPeter Scuba what person over 70 as no pre-existing conditions
Peter *******
@Dek *****
Exactly, they will find some anyway
Steve *******
@Dek *****
I was thinking the same thing 😂John **********
I use AIA, they will open a policy for you as long as your not over 75 and will continue the policy up to, I think, 98 from memory
John **********
@Rodney ******
I don't recommend agents
Dean *********
@John *********
what do they charge for someone in their 70s?John **********
@Dean ********
it all depends on what the policy covers and where you fall in the age range, amount increases every 5 years. I currently pay around 65k baht for 1 million baht cover inpatient only, it'll increase again when I hit 71.John **********
@Rick ***
I'm 69, as I said the next rise for me will be when I hit 71
Rick ****
@John *********
How old are you? I think there is a huge difference between 60s and 70s.Dean *********
@John *********
you pay 65,000 for the year? That's so cheap!John **********
@Dek *****
pre existing conditions are usually excluded in any case
Bob **********
@Dek *****
don’t bother self insureDek ******
OP@John *********
im currently 73 and will be 74 when I move to Thailand with existing conditionsDek ******
OPRodney Brown direct pay
Rodney *******
@Dek *****
I need to chat with an agentJohn **********
@Rodney ******
direct pay, a hospital tried to make me pay and then get reimbursed but a quick call to my agent sorted that outRodney *******
@John *********
who is your agent???Rodney *******
@John *********
Is that direct pay to local hospital in Thailand or reimbursement??Activity
17 joined17
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