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What are the best health insurance options for retirees in Thailand coming from the UK?

Health Insurance Retirement in Thailand UK Expat Health Insurance Insurance for Seniors in Thailand Pacific Cross Axa Aia Genki Insurance Pre-existing Conditions

Dec 1, 2025

21 hours ago

Dave ********

ORIGINAL POSTER

Hello. 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

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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.

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Ricky ********

Happy to provide quotes

12 hours ago

Tabby ***************

I recommend Genki.

******************************

14 hours ago

Loic *******

Pacific Cross is a popular option.

**************************

15 hours ago

Marty *********

I have Pacific Cross insurance. I bought when I was 62. I pay 78,000 baht per year. Pre-existing conditions are excluded

16 hours ago

Melanie **********

@Marty ********

do they offer cover for any pre-existing if you needed it?

Marty *********

Sorry I don’t know.

Melanie **********

No problem. Thanks so much for responding.

13 hours ago

Reply to

Melanie **********

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

20 hours ago

John ********

If you have preexisting conditions it may not be worth it

Melanie **********

Thanks John.

John ********

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.

12 hours ago

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?

13 hours ago

Reply to

Melanie **********

Karine ********

Contact

@Laure ***

. She could help you on this subject

20 hours ago

Pete *******

Expect premiums to be 100-150k per annum per person for a decent policy.

20 hours ago

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.

12 hours ago

Pete *******

@Melanie *********

you can forget about any pre-existing conditions being covered, you will be self paying for those.

10 hours ago

Reply to

Pete *******

Shayne *******

@Pete ******

is that GBP, US dollars or what?

20 hours ago

Martin ********

@Shayne ******

it’s Thailand where the local currency is the Baht.

19 hours ago

Shayne *******

@Martin *******

well the poster said 100 to 150 k.... Which could have been any currency...

19 hours ago

Martin ********

@Shayne ******

it’s Thailand, jeez it’s the only currency used here.

12 hours ago

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?

16 hours ago

Reply to

Pete *******

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

21 hours ago

Donna *******

@Neil ********

also looking for insurance for next year 🙏

4 hours ago

Reply to

Donna *******

Michael *******

Tread carefully! Axa . Aia. Good. Declare all pre existing conditions!

No1 priority when living here. Expensive but a must! 👍

21 hours ago

Reply to

Michael *******