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

We dealt with Yorick Karl from AA Insurance brokers and ended up choosing Pacific Cross. He was extremely helpful and answered all my questions...and believe me, I had lots! We haven't had any claims yet so I can't comment on that issue.

Keep health insurance in your own country. Any major hospital costs go back, for minor charges wear the costs. So far it has saved me I can’t get insurance here because over 70.

I moved here in January and got signed up with Pacific Cross. I’ve heard pros and cons for them and so many others. I know some people who stick with Travel Insurance and others with nothing, just paying OOP and/or rarely ill. I customized my policy based on my health history and expectations along with the low cost for outpatient & prescriptions.

Hi. I just sent you a DM please take a look when you have a chance. Thx- 🙏

Also plan to be dropped or priced out as you age or make any large claims

You cannot trust any of them they are all over priced unfortunately

I am with Pacific cross, had cataract surgery about 6 months ago they paid for everything except the lens as it's classed as artificial???. The only thing that wasn't good was the hospital at first they quoted me a price then I said ok my health insurance will pay and gave them my card then funny old thing the price increase from 60,000 up to I think it was around 80,000. But then the insurance company had a talk with them and it went back down to 60,000. I had to pay the first 40,000 in any year so I had to pay 40,000. I had to pay and claim back the first fee then the next few visits the insurance company paid then the last visit I had to pay again and claim all the fees I paid this was the hospital not Pacific cross fault

I would indeed not cheap out on health insurance. After extensive research I was left choosing between AXA and Cigna.

Cigna probably the better one, but I went for AXA inpatient only. Basically to insure against the really expensive stuff.

CIGNA has been excellent for me

Depends on how long you plan to stay out of your home country. If you're moving abroad semi-permanently/permanently, you'll want comprehensive international health insurance. You'll need the better benefits like cancer treatment and coverage for preexisting conditions as you get older.

You'll need to get on a plan before you get too old. Once you are insured, you can stay insured for life. But if you wait until you're older then you may not get accepted.

I use this company for my comprehensive international health insurance. They are founded by expats and focus on expats. They work with something like 50+ different insurers, so they'll always find you the best value policy with a reputable insurer that fits your budget.