Answered6 months ago
What are the best health insurance options for a 77-year-old man applying for an O-A retirement visa in Thailand?
Please advise which health insurance companies provide the most affordable rates for a 77 year old man needing to meet O-A retirement visa
Answer summary
Finding affordable health insurance for a 77-year-old man applying for an O-A retirement visa in Thailand can be quite challenging. Various commenters suggest companies like AXA and WRLife for potentially affordable options, but stress that many insurers have age limits or high costs due to the applicant's age. Some recommend self-insuring or going the Non-O route instead of the O-A visa, which has fewer requirements regarding health insurance. It's noted that many insurance policies often have exclusions for pre-existing conditions and that the overall quality of insurance often diminishes for older applicants. It's advisable to consult with an insurance broker for guidance.
51 repliesnewest first
Click comment and we will ask for your email, then OTP, then name.
Lee ******
AXA
Tong ******
Bupa , 4k 1 year
Bob *****
You will not like this but I don't think you will find anything at your age that is affordable. especially if you have any pre-existing conditions. there are other ways.
Terry **********
Bob Fom what other ways please
James ******
A visa agent can help you out
Guy *********
AIG..fantastic cover at really affordable prices
Michael **********
Guy Windsor Who we could I contact to inquire about AIG insurance? Can you point to someone or point me in the right direction? I am looking for health insurance myself and I am 63. Many thanks
John *********
I'll insure you for 100 baht. I won't be there when you need it but I'm affordable. Or would you like to reframe your question and ask about quality insurance.
Nick **********
I am 77, quite healthy, no health insurance. Have non-o so do not need ins. Use gov't hospital if needed. A lot of doctors at gov. hospitals also work at private expensive hospitals. I have funds set aside in case of health issue
Bob *****
Nick Reynolds at 68 I'm doing the same thing Nick. I still pay for Medicare part b back in the US but getting ready to cancel it.
Lam ************
Bob Fom ! Yes part B now is $202 per month at 2026 .you can have supplement plan plus with Travel medical insurance, it’s every expense..
Paddy *****
Bob Fom canceling part B may not be wise.
Tim *********
at 77 you are not going to get insurance. i'm 78 and have to pay out of pocket
Flemming ****
That old?
That is very expensive, if you are able to find some one…
800 us pr month is the amount I heard from my network
😬😬😬
That is very expensive, if you are able to find some one…
800 us pr month is the amount I heard from my network
😬😬😬
Christopher ********
How does someone find an insurance broker ?
John ********
Just did it. PM sent
Scott *******
I have a friend in the same position and do not think you will be able to obtain health insurance. She just self insures herself. I can’t see Thailand throwing out all these older retirees. Five years ago they threatened the same and it never happened.
Lynnette *******
Scott Blair the non -OA requires an insurance from their ist if companies to say for it. The Non-O doesn't. And is applied for before arriving using proof of funds in non Thai account.
Jan ************
************************************************
Vince *********
You can get a local ínurance provider fỏ O-A but gôd luck trying to make a claim
Jens *******************
My messages is open I’m living in AoNang
ExcitingO*********
AXA is the most affordable but they are extremely slow to respond and not great to deal with. We ended up going with Falcon. More expensive but much better customer service. Pacific Cross was the most expensive option.
Tim *********
ExcitingOctopus624 how old are you
Gábor **********
WRLife is the cheapest.
Jonathan *************
@Gábor *********
i had problems with two of their agents but response from a director of WR was good
Kevin ************
Go to an insurance broker. They will give you the best options.
Patrick *********
Needing to meet.... or Insurance. ?
John **********
You'll be lucky to find one that will take you on as a new customer at that age
Bob **********
It’ll be very difficult at your age to find anything decent
Stephane **********
Most insurance companies have a 75-year old cut-off for first time enrollees, including Pacific Cross, which was recommended by someone here.
Sturgess ********
Stephane Handshin You’re right. Thanks for the clarification.
Sturgess ********
Pacific Cross is one of the few quality companies that will issue a Thai health insurance policy to someone your age. Note that you must be in perfect health and it is renewable until you are 99. Get it through a good insurance broker. There are plenty of lousy companies offering policies but good luck filing a claim.
David *********
Sturgess Spanos this is very real information. PX sets it both ways. Your preX and every condition anyone else has ever had. May or may not be helpful in catastrophic accidents. Not much more. If you can go the Non-O route not OA. Plan to self insure. Good luck
Danny *******
With Pacific Cross pay close attention to the “general exclusions” which apply to everyone not just your specific exclusions. They are listed in a separate area. For example, at 77 you will not be covered for a
ANY prostate problems even if you have never had a problem. Your age alone excludes you from coverage.
ANY prostate problems even if you have never had a problem. Your age alone excludes you from coverage.
Bob *****
Danny Dukes 😂 exactly.
40 years I worked in medical field as a registered nurse. I don't have anything nice to say about insurance companies.
40 years I worked in medical field as a registered nurse. I don't have anything nice to say about insurance companies.
Danny *******
At 77 any is going to be expensive and not cover much. Best to go the Non-O route instead.
Paul ********
Danny Dukes if you have heath problems and its free in your own country then commute because at 77 no insurance company is going to touch you unless you can fund yourself
Robert ************
Paul Gamble if you are a British citizen and you've lived in Thailand for a number of years , and you go back to the UK you have to pay ,
Paul ********
Robert Calderbank then he will have to fund it himself then,ime 71 and because of health problems i cannot retire here,i got a quote of in excess of at least £300 a month so i come and stay 90 days twice a year plus ime still working to pay to come to thailand
Ian *******
Robert Calderbank unless you row a rubber boat from France then its free as well as a hotel & a weekly allowance
Brandon ************
Is there any specific reason you're wanting a non-OA visa? A non-O visa doesn't have most of the requirements of the non-OA.
Stephane **********
@Brandon ***********
- but the non-O requires a deposit of 800,000 bahts in a Thai bank account.Brandon ************
@Stephane *********
but so does a non-OA if you plan on staying in Thailand. So if the plan is to remain in Thailand, the non-O is always better because they both have the same requirements to apply for an extension, except the non-OA requires you to maintain specific insurance from Thai companies forever.
Gábor **********
Greg Alexander true, in Hungary government pays until your death, but poor service usually. In Thailand WRLife do it IMO.
Greg ***********
@Gábor *********
but in most countries you can't get a long one-year foreign health insurance after you have turned 75 years oldGábor **********
@Brandon ***********
12-14 hours for me... But you are right, I going back to Europe on every summer for 3-4 months.Brandon ************
@Gábor *********
if you're planning on going home every 2 years, yes, you can do that.But if I was 77 years old, I wouldn't want to plan around spending 20-40 hours on planes every 2 years.
Gábor **********
@Brandon ***********
you can use the NON-OA for 2 years and then make a new one, no extension.Bob **********
Stephane Handshin after the first OA is finished it also requires either 800k or the 65K a month route
Gábor **********
Bob D'Andrea making a new every second year.
Activity
38 joined38
people
Related
25What are some recommendations for health insurance for a DTV application in Thailand?
7473136mo
How much does it cost to hire an agent for a retirement visa in Thailand?
13.7k722656mo
What health insurance options are available for diabetics on an OA visa in Thailand?
3k27209mo
What are the requirements and process for applying for a retirement visa in Thailand while on a 30-day visa?
6.9k67451y
What are the health insurance requirements for extending an O-A visa in Thailand, and is AIA Health coverage sufficient?
1.8k14101y
What are the requirements for opening a bank account in Pattaya for a retirement visa?
4.4k42241y
What health insurance options are available for a 72-year-old expat with pre-existing medical conditions in Thailand?
2.6k22171y
What health insurance do I need for a Non-O visa in Thailand?
3.5k28311y
What health insurance options are recommended for expats in Thailand on a DTV visa while avoiding high costs?
3.8k34152y
What is the best health insurance for expats over 70 living in Thailand?
14.9k892012y
How can I obtain a Thai identification card number for health insurance as a DTV holder in Thailand?
2.4k17192y
Is a 120k nest egg and 17800/year pension sufficient for retiring in Thailand as a UK citizen and working as a diving instructor?
19.2k1592182y
What are the health insurance requirements for an ED visa in Thailand?
1k362y
What are my options for extending health insurance in Thailand at 67 years old?
1.7k1423y
What is the average cost of health insurance for expats living in Thailand on a retirement visa?
9k82683y
What are the steps to apply for a retirement visa in Thailand from Australia?
1.4k983y
What documents are required for opening a bank account in Thailand as a retiree, and how does one apply for a Non-O visa and retirement visa?
13.9k1241273y
What are the cheapest health insurance options for an O-A visa in Thailand?
3.8k35204y
What are some recommendations for reasonably priced health insurance in Thailand?
1.9k15104y
Is SafetyWing a reliable insurance option for expats in Thailand?
1.3k885y
Which company is the best for OA extension of stay insurance recommendations?
928645y
What is the cheapest health insurance that meets the STV visa requirements in Thailand?
1.1k936y
What is the best visa option for obtaining a retirement visa in Thailand while ensuring the necessary funds are maintained in a Thai bank account?
4.6k44276y
Where can I find health insurance for an elderly individual to meet Thailand's visa requirements?
6.2k59426y
What are the bank deposit requirements for a retirement visa in Thailand and how long must the funds be kept in a Thai bank?
8.8k82669y
Resources
Need help with your retirement visa?
#1 visa agent · 4,000+ reviews · 100,000+ expats served