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What are the best health insurance options for expats in Thailand?
health insuranceexpats in Thailandinsurance providersAIAAXAPacific Primeself-insuranceinsurance claims
Feb 25, 2026
2 months ago
Dean *********
ORIGINAL POSTERI'm a healthy person 57 looking for health insurance in Thailand any suggestions
TLDR : Answer Summary
This post discusses various health insurance options for a 57-year-old expat seeking coverage in Thailand. Community members suggest several insurance providers, including AXA and AIA, highlighting specific plans and coverage amounts. They also share personal experiences regarding claims processing and the importance of selecting the right policy to avoid issues. Some comments address concerns about underinsurance and the rising costs of medical care in Thailand. Recommendations include consulting agents and comparison sites to find suitable policies.
Pelle Eriksson★★★★★
Absolutely Bangkok's best service I highly...recently on Facebook
Luca G.★★★★★
I used this agency for my DTV Visa...recently on Google
Trusted Thai Visa Agent
OVER 100,000 EXPATS SERVED
#1 VISA AGENT IN THAILAND
Sukanya *********
AIA is a good option.
David ********
Cigna
Bill *********
Cigna Global
Cathrin ***********
What if you are healthy 😊 but torn, broken and damaged.. outside as inside after an electrical burn 👻 (High voltage / transplanted 60%) ??
Retired, over 50🙋♀️
Retired, over 50🙋♀️
Da *********
Mon Insurance Broker at Abacus Associates
Chris ********
Visit a comparison site like
@Expat******
and see if they can help youGuy ****************
Corus
Vera **************
Be aware, AXA while good pricing has very strict conditions and are very inflexible . One condition is they pay for 2 doctor visit per day , full stop . If you have multiple doctors or doctor needs to visit you more , you pay . I was just hit with
*****
doctor fee bill after 2 weeks in the hospital with multiple organ failures . They paid for 1 doctor only , I had 3.Christine *********
Do you have to carry health care in Thailand??
ExcitingO*********
Christine O'Neill it depends on your visa
Reply to
ExcitingO*********
Reply
Nigel ***********
Nhs. Uk,ha ha
Loic *******
Pacific Cross Thailand is great!
**************************
Dmitry *********
Loic Brand You work there. And it's NOT even good, let alone great.
Loic *******
Dmitry Kostyuk Yes I do work for PC and am a policyholder myself, as are my family members and over 1 million people in Thailand.
I now recall your situation with one of my colleagues, and hope that you were able to secure great coverage that fit your unique requirements.
I now recall your situation with one of my colleagues, and hope that you were able to secure great coverage that fit your unique requirements.
Reply to
Loic *******
Reply
Jonathan *******
I am currently using FWD got an amazing price 🙏
Ava *******
I'm a financial advisor and an AIA insurance. If you're interested and need assistance, feel free to contact me for advice. 😊💫
Samuel *******
Speak with these guys, they're really helpful:
******************************************************************
Darren ********
Compare the market
John **********
I've just enquired with SBC Insurers. Im 67. After 65 you have to have a medical or if not your void of certain deceases and conditions for the first year. Starts at about $700 then $1300 then big money. But they seem very good. At 57 you should get a good premium.
Frank *******
John Lawrence is that per month?
John **********
Frank Bowen Per Year. If you hang on I will send you their complete coverage document.
Reply to
John **********
Reply
Peter *******
Pacific Prime in Bangkok are a good and regulated agent. In my experience policies from international insurers are far better, whereas as local companies don’t even cover the cost of hospital room at international hospitals.
Bumrungrad is around 20k per night last time one of us was there. Important things to consider are direct billing, pre-approval, not pay then claim back. Get a policy without outpatients as it reduces the cost a lot. Also policies that cover you when traveling for x amount of days.
Bumrungrad is around 20k per night last time one of us was there. Important things to consider are direct billing, pre-approval, not pay then claim back. Get a policy without outpatients as it reduces the cost a lot. Also policies that cover you when traveling for x amount of days.
****************************
Daniel **********
All insurance is fine until you need to make a claim!!! Then it's a different story. So if you have made a claim and had not problems then tell us who you are with
Sebastian ********
Daniel Djakovic AIA. Had one claim of over 600kTHB for prostate cancer radio therapy. Paid out no problem. 11 days in another private hospital. Paid out no problem. Son has had 2 minor ops and the odd couple of nights in hospital for viral infections. All paid out with no problems
I am 70, the wife 49 and the son is now 6. All the premiums have remained the same for the past 5 years.
I am 70, the wife 49 and the son is now 6. All the premiums have remained the same for the past 5 years.
Mel ******
Daniel Djakovic thisssssssss
David **********
Daniel Djakovic That’s the key!
Reply to
David **********
Reply
Daniel **********
F
Adam *******
Nigel **************
Wear a Buddhist amulet
Chidawan *****************
My name is Chidawan I’m working at MTL. Muangthai Life Assurance Company my Contact is +66 934692244
*********************
*****
2244 Chidawan921@gmail.com 🥰🌺Bill *******
AXA
Deborah *******
I went through Tom at Insure Now Insurance Brokers. He found me a good policy that includes inpatient and outpatient coverage, accepted by Immigration with No copay. The insurance company is Regency his #34-649-
*****
9 they are located in LondonTongjun **
@Deborah ******
#34Is not the number for England
It’s the national code for spain,
Can you please explain?
Deborah *******
Tongjun that's the number I reach him on the Line app.
Reply to
Deborah *******
Reply
Dorothy ******
Following *
Ava *******
@Dorothy *****
I'm a financial advisor and an AIA insurance. If you're interested and need assistance, feel free to contact me for advice. 😊💫Reply to
Ava *******
Reply
Alan ********
Safety wing ment to be good
Brenda *********
Alan Hughes are you saying safety wing is good?
Alan ********
Brenda Hegwood yes on research I’ve done
Reply to
Alan ********
Reply
Gregory ********
All the guys saying is fine and no complaints—have you ever complained before and how many exclusions do you have🤦♂️🤦♂️🤦♂️
Mat *********
AXA Thailand
Sebastian ********
All of my family are insured with AIA. Reasonably priced and most importantly, no quibbles over claims. Very good service.
T**
Sebastian Barrow their website is just a bunch of blog posts. how do you get a policy with them?
Sebastian ********
Tuk there are agents around and probably the easiest way to find one is to actually go into Bangkok Bank and ask.
Reply to
Sebastian ********
Reply
Gregory ********
Speak to
@Mark ********
he will help and guide—very good rates and helpful👍👍👍Aleksei **********
From the point of view of insurance company , you are not healthy , just poorly checked-up .
Chris ****
Go to your local hospital you like and ask which one they accept.
Peter ****************
Chris Ed Someone should survey the insurance specialists at hospitals. I'm sure some companies prove to be troublesome. I asked the specialist at a private hospital to rate my insurance company and she told me she was not allowed to discuss it.
Reply to
Peter ****************
Reply
Anne *******
AXA is fine
Piero *************
The insurance inflection point typically occurs at age 65. While a 57-year-old still benefits from relatively balanced pricing, a healthy person over 65 is forced to pay for the 'average' condition of their age group. For those with sufficient capital, self-insurance at this later stage is a more efficient allocation of resources, bypassing the structural health tax imposed by standard age-based pooling."
Terary **********
Piero Marcheselli I have heard that a few times, self insure... What is the cost? how much do you have in the bank?
David **********
Piero Marcheselli I’m hearing self-insured is the worst why to go unless you just have all that cash to burn.
Piero *************
David Gillette
The 'worst way to go' argument only holds true if you are an average representative of your age cohort. If you follow the standard trajectory of physical decline, then yes, staying in the pool is a bargain.
However, for a high-performing 'outlier' over 65, the financial logic flips. Here is why:
The Morbidity Subsidy: Traditional insurance premiums for seniors are calculated based on the average health of the group—a group often characterized by sedentary lifestyles, chronic inflammation, and metabolic dysfunction. If you are a disciplined athlete with optimized biomarkers, paying those premiums is not 'protection'; it is a mandatory subsidy you are providing to the less healthy members of your peer group.
Guaranteed Loss vs. Strategic Liquidity: High-tier private premiums for the 65+ demographic are aggressive. Over a decade, that capital is permanently eroded. By self-insuring with a dedicated safety net, you retain sovereignty over your capital. You aren't 'burning' it; you are keeping it in a liquid, interest-bearing state, only deploying it for high-precision interventions if and when they are actually required.
The Epistemic Gap: 'Risk' is often just a lack of data. In a Block Universe context, your biological trajectory is already a set coordinate. For the individual who monitors their data and understands their own biology, the 'uncertainty' that insurance companies charge for is drastically reduced. Why pay a premium for an 'unknown' risk that your own data tells you is statistically negligible?
In short: Self-insurance for the healthy elite isn't about having 'cash to burn'—it's about refusing to pay for the 'burn rate' of a demographic you no longer belong to
The 'worst way to go' argument only holds true if you are an average representative of your age cohort. If you follow the standard trajectory of physical decline, then yes, staying in the pool is a bargain.
However, for a high-performing 'outlier' over 65, the financial logic flips. Here is why:
The Morbidity Subsidy: Traditional insurance premiums for seniors are calculated based on the average health of the group—a group often characterized by sedentary lifestyles, chronic inflammation, and metabolic dysfunction. If you are a disciplined athlete with optimized biomarkers, paying those premiums is not 'protection'; it is a mandatory subsidy you are providing to the less healthy members of your peer group.
Guaranteed Loss vs. Strategic Liquidity: High-tier private premiums for the 65+ demographic are aggressive. Over a decade, that capital is permanently eroded. By self-insuring with a dedicated safety net, you retain sovereignty over your capital. You aren't 'burning' it; you are keeping it in a liquid, interest-bearing state, only deploying it for high-precision interventions if and when they are actually required.
The Epistemic Gap: 'Risk' is often just a lack of data. In a Block Universe context, your biological trajectory is already a set coordinate. For the individual who monitors their data and understands their own biology, the 'uncertainty' that insurance companies charge for is drastically reduced. Why pay a premium for an 'unknown' risk that your own data tells you is statistically negligible?
In short: Self-insurance for the healthy elite isn't about having 'cash to burn'—it's about refusing to pay for the 'burn rate' of a demographic you no longer belong to
Reply to
Piero *************
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Michael *******
Piero Marcheselli absolute crooks and parasites
Guy ****************
Michael Brown so right
Reply to
Guy ****************
Reply
Sören ********
I am also looking for insurance. Do not know what is good.
Ava *******
@Sören *******
I'm a financial advisor and an AIA insurance. If you're interested and need assistance, feel free to contact me for advice. 😊💫Gregory ********
Speak to
@Mark ********
he is legit and the rates are goodReply to
Gregory ********
Reply
Ant ***********
There are quite a few agents that may respond
I am with
AXA Thailand
58 Y/O
Single Male
51K Baht per year
For
2 million baht cover
And Inpatient Only
This is the lady who assisted greatly
I am with
AXA Thailand
58 Y/O
Single Male
51K Baht per year
For
2 million baht cover
And Inpatient Only
This is the lady who assisted greatly
@https://www.facebook.com/shar*****************************
Simon ****************
Ant W Tailor I always use them for travel insurance. Always a reasonable price.
Gerry ********
Ant W Tailor that's cheaper than my current UK private health care policy 👀
I'm 57 year old, and no major medical conditions. Planning to retire to Thailand end of this year.
I'm 57 year old, and no major medical conditions. Planning to retire to Thailand end of this year.
Ant ***********
Gerry Hayden
Same with my cover in Australia 🫣
And Aust . Health cover is going up another
4.4% this year 😱
Same with my cover in Australia 🫣
And Aust . Health cover is going up another
4.4% this year 😱
Juergen ********
In Thailand is 15%. But most insurance company will rise the premier 6%.
Reply to
Juergen ********
Reply
Juergen ********
2 Millionen is nothing. You need to cover at least 5 Million.
David **********
Juergen Kirsch I’ve taken an online seminar about insurance and they recommended 2 to 3 million. That should cover a heart attack or stroke.
If you search checkdi website most are price with 5 million baht.
Those policy are about 91,000 baht a year.
If you search checkdi website most are price with 5 million baht.
Those policy are about 91,000 baht a year.
Juergen ********
A seminar is nice, but I have the real prices and calculated them. 2 MTBHT is definitely not enough.
Rob **********
Juergen Kirsch I had tongue cancer, had mu operation in Bangkok hospital in Bangkok, spent 11 days in hospital, then had 33 treatments of Radiation, Numerous MRI’s and the grand total was 1.5 million baht, so I definitely think 2 million baht is decent coverage.
Vera **************
David Gillette problem with 2-3 million baht policies is low coverage in terms of how much they pay. Perfect example is room cost . 2-3 mil policy pays 3000-5000 baht per day , while rooms in private hospital go for 8000-
*****
, so you have to pay the difference .better option is 5 mil but a deductible of say 20 000 baht , which reduces policy premium by 20-30%Reply to
Vera **************
Reply
Dean *********
ORIGINAL POSTERWell, I need some kind of health insurance. I’m Canadian.
Ava *******
Dean Pelland I'm a financial advisor and an AIA insurance. If you're interested and need assistance, feel free to contact me for advice. 😊💫
Mike *******
Dean Pelland Robert and his wife are my agents. He is from the Toronto area. He helped me all the way through the process when l went into the hospital twice.
Gregory ********
Not only that ,not sure what visa you doing— but need it for LTR
Reply to
Gregory ********
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