What are the best health insurance options for expats in Thailand?

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.

Frank Bowen Per Year. If you hang on I will send you their complete coverage document.

Tongjun that's the number I reach him on the Line app.

Brenda Hegwood yes on research I’ve done

Tuk there are agents around and probably the easiest way to find one is to actually go into Bangkok Bank and ask.

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

Michael Brown so right

Gerry Hayden

Same with my cover in Australia 🫣

And Aust . Health cover is going up another

4.4% this year 😱

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.