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

@Sammy ******

All professional healthcare providers exclude pre-existing conditions, as to take these clients on increases company risk for an almost inevitable payout and then increases premiums for other policy holders. It does of course depend on what the pre-existing condition is - you may get denied completely, have it excluded, accepted with loading or be issued with a moratorium period of time.

They accept new clients up to age 74.

@Phil ********

all insurance carriers HERE exclude for pre-existing conditions. And, of course, neither of us is naive, especially the larger carriers are more than capable financially assuming the risk, they simply dont want to. We also understand that most insurance companies dont make large profits based only on the premium payments they receive.

It's the game of insurance carriers, cover if they think someone might not be much of a risk, dont cover if they are. It's just the way it is when health care is a "for profit" system, which in Thailand, for Thais, and so many other countries, health care is provided. The US is a shameful example of not doing that until Medicare can kick in, but even Medicare is sadly lacking in some areas, and a surprise to many, not completely free.