This is NOT an official government website. We are an independent resource providing information and assistance to travelers.
What are the best health insurance options for retirees in Thailand coming from the UK?
Health InsuranceRetirement in ThailandUK Expat Health InsuranceInsurance for Seniors in ThailandPacific CrossAxaAiaGenki InsurancePre-existing Conditions
Dec 1, 2025
5 months ago
Dave ********
ORIGINAL POSTERHello. Looking for recommendations for health insurance. It will be for retirement in Thailand for myself and my wife. Both from UK and in our sixties and in fairly good health.
Any help would be appreciated
Any help would be appreciated
TLDR : Answer Summary
The discussion revolves around finding appropriate health insurance for UK retirees in Thailand. Recommendations include notable companies like Axa, Aia, and Pacific Cross. Expat advisers emphasize declaring pre-existing conditions and warn against choosing local Thai insurers. The expected insurance costs for decent policies range from 100,000 to 150,000 baht per year per person. Individual experiences with premiums and coverage levels highlight the importance of tailored options.
NON-O RETIREMENT VISA RESOURCES / SERVICES
- Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
- For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
- Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
- Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
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 Retirement Visa Agent
OVER 100,000 EXPATS SERVED
#1 VISA AGENT IN THAILAND
Ricky ********
Happy to provide quotes
Tabby ***************
I recommend Genki.
******************************
Loic *******
Pacific Cross is a popular option.
**************************
Marty *********
I have Pacific Cross insurance. I bought when I was 62. I pay 78,000 baht per year. Pre-existing conditions are excluded
Melanie **********
@Marty ********
do they offer cover for any pre-existing if you needed it?Marty *********
@Melanie *********
Sorry I don’t know.Melanie **********
@Marty ********
No problem. Thanks so much for responding.Reply to
Melanie **********
Reply
Sylvia ********
I'm 68 and pay an average decent insurance, no cover as out patient nor dental, cost 8500 baht per month. Pay 5000 a night for room, many hospitals cost more
John ********
If you have preexisting conditions it may not be worth it
Melanie **********
@John *******
Thanks John.John ********
@Melanie *********
go to the websites of each insurer and read coverage details. Be aware if you take high blood pressure medication you are not covered for stroke equally if you take cholesterol medication you are not covered for heart disease, etc. That’s their definition of preexisting conditions.Melanie **********
@John *******
Are there any companies that cover pre-existing conditions?Also, what makes you say it may not be worth it? Trying to get my head around what’s on offer and so much conflicting advice.
Would welcome your experience?
Reply to
Melanie **********
Reply
Karine ********
Contact
@Laure ***
. She could help you on this subjectPete *******
Expect premiums to be 100-150k per annum per person for a decent policy.
Melanie **********
@Pete ******
Hi Pete - is it fair to assume that the estimated costs you’ve shared are for policies without pre-existing condition and pre-existing?100-150k bht is approximately £2300-3500.
The higher cost (150k) seems a lot if it excludes pre-existing.
Pete *******
@Melanie *********
you can forget about any pre-existing conditions being covered, you will be self paying for those.Reply to
Pete *******
Reply
Shayne *******
@Pete ******
is that GBP, US dollars or what?Martin ********
@Shayne ******
it’s Thailand where the local currency is the Baht.Shayne *******
@Martin *******
well the poster said 100 to 150 k.... Which could have been any currency...Martin ********
@Shayne ******
it’s Thailand, jeez it’s the only currency used here.Pete *******
@Shayne ******
you are in a Thai group discussing Thai issues and the question is about getting Thai insurance in Thailand, why would you think my answer would be anything other than in Thai currency?Reply to
Pete *******
Reply
Neil *********
Hi Dave. If you want to pop me a message im a uk independent adviser who lives and works here in Thailand. I have access to the entire marketplace. Dont go for a thai company because if a few reasons.
Happy to explain.
Neil
Happy to explain.
Neil
Donna *******
@Neil ********
also looking for insurance for next year 🙏Reply to
Donna *******
Reply
Michael *******
Tread carefully! Axa . Aia. Good. Declare all pre existing conditions!
No1 priority when living here. Expensive but a must! 👍
No1 priority when living here. Expensive but a must! 👍
Reply to
Michael *******
Reply
23 comments
8 months ago
16 comments
9 months ago
31 comments
10 months ago
13 comments
10 months ago
29 comments
10 months ago
37 comments
a year ago
21 comments
a year ago
19 comments
a year ago
12 comments
a year ago
9 comments
a year ago
81 comments
2 years ago
15 comments
2 years ago
36 comments
2 years ago
75 comments
2 years ago
25 comments
2 years ago
73 comments
2 years ago
29 comments
2 years ago
26 comments
4 years ago
17 comments
4 years ago
32 comments
4 years ago
22 comments
4 years ago
27 comments
4 years ago
23 comments
4 years ago
18 comments
4 years ago
58 comments
5 years ago
7 comments
a month ago
9 comments
a month ago
21 comments
a month ago
16 comments
a month ago
8 comments
a month ago
The ask:thailand community, consisting of multiple Q/A groups with over 100,000 members, powers this platform. It is not an official government resource. Our members actively contribute to this resource, and while we strive for accuracy, we cannot guarantee its complete reliability. Assistance to travelers is provided as a community service.