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

Jul 3, 2024
4 months ago
Chris ********
ORIGINAL POSTER
Hi all, I want to ask those who are living in Thailand full time, what type of health insurance have you gone for and who with? Struggling to find a good one for myself as a foreigner that’s not a scam or where someone else is getting paid to advertise it. Many thanks in advance!
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TLDR : Answer Summary
A user seeks recommendations for health insurance in Thailand, specifically looking for reputable options suitable for foreigners. Several commenters suggest various providers including Pacific Prime, AXA, and AIA, while others discuss their experiences with claims and coverage. Discussions also emphasize the importance of having a good insurance agent. Additional information is provided on age coverage policies and trustworthiness of providers.
Chris ********
ORIGINAL POSTER
Thank you to everyone for helping with this! Finally decided on going with AIA cause my in laws are friends with a guy who works for them and got me a good discount 😂
Henry *********
WRLife
Brian ***********
WR life brilliant
Myles *******
Depending on what u need/age etc take a look at Genki. Wont work for everyone but does for me! €60 odd a month and can cancel at anytime and covers pretty much the same as the big boys. I have a referral code should you need
Rachel *******
100% speak with Peter
@Peter ******
s.

Fully qualified UK financial advisor dealing with health insurance in Thailand.

Has access to 100's of providers so can find you the best prices and cover.

Totally free consultation
Chris *********************
AXA
CjandBrigitte **********
We are with Pacific Cross. Used twice and no complaints at all.
Bigd **********
@CjandBrigitte *********
do they cover over age 65?
CjandBrigitte **********
@Bigd *********
Once you join before 65 yes
Bigd **********
CjandBrigitte **********
@Bigd *********
This is what other expats use. Coverage up to 100.

**************************
Bigd **********
Rob **********
Pacific Cross.
Neil *********
Hi Chris dm me I’m an independent and as a few have said it’s about finding the right one for you. There are so many here and not all are the same that’s for sure
Marty *********
Pacific Cross. I chose a plan with a significant deductible. That keeps the price down. Medical care here in Thailand is both excellent and affordable. I am basically self insuring for routine medical care. The policy is there for a serious medical event such as a serious vehicle accident.

Because of my high(ish) deductible I haven’t tried to make a claim so I can’t say how well they pay claims. They have great customer service otherwise such as coordinating policies with your visa. I bought the policy when I was 62. In 7 years I’ve never had a medical bill over 20,000 baht. My deductible is 40,000 baht.
Tony **********
@Marty ********
is this a Thai company?
Marty *********
@Tony *********
I know they operate in Thailand and the Philippines. I think only in Asia but I am not sure.

Pacific Cross qualified as a Thai insurance company for the OA visa health insurance requirement as well as for my current LTR visa.
Tony **********
@Marty ********
do you know if they insure 70+?
Marty *********
@Tony *********
Maybe up to 75 but expect the rates to be higher and for preexisting conditions to be excluded
Andy *******
AIA
John **********
I use AIA. Almost more important though is the agent you use. A good agent will find the coverage that suits you and more importantly will sort out any issues
Michael *******
Pacific Prime
Chanelle *********************
VUMI or April
Jeffrey ************
AXA ppp global health care UK
Michael *******
pacific prime
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