What are the best health insurance options for retirees in Thailand, especially for those over 65?

True traveller insurance ( AXA) UK.. gave me better policy. Price than before covid...

My husband and I are applying for the LTRV and just submitted our application for insurance. Anyone have experience with this type of Visa?

You can get a 3-month Non O visa in London Thai Embassy (online). No insurance requirement. Once in Thailand open a bank account and send $800k from overseas and leave it there for at least 2 months. Then you can get 12 month extension each year. No insurane requirement.

Find a woman working for the Thai government and marry her…you will be insured then.

Thailand is also becoming more and more expensive due to westerners moving here, starting businesses, selling really expensive western products, and just changing the balance of everything here. I have read some have gone to Vietnam to retire due to cheaper costs. I always had an interest in Laos myself.

@Sharon ******

buy a Thailand Elite visa. No insurance required. Medical services are reasonable here.

No way, 900 month is insane

Insurance is a rip off get the cheapest then cancel it !

Just get your insurance for your first year in then don’t renew it 👍🙏

the current required coverage is 3 million baht for mandatory health insurance, the premium got higher as you age, getting to be very expensive after 65 or so and usually no cover for pre existing illness, but the greatest worry is that the required coverage could be raised again sometime in future.

if you put great sum of money as alternative, i don'T know if acceptable, the worry is that the money got depreciated over time against the USD or other currency

just keep enough money for a ticket back to blighty id you feel moby dick

You don't say your age or any underlying conditions you have that wouldn't be covered....but there are all kinds of policies available depending what you need.

It is also possible to retire here with no insurance....but obviously risky...many people do it.

You have received some good recommendations on here, so check thoroughly what you actually need....and what you would want....there will be a cheaper policy for you unless you are 97....😊

Ur over 50, right?. If so contact PDC Visa Plus either Phuket, Khonkaen or Udon Thani and they should be able to help you.

Sharon talk to she eill help you with insurance

I pay 33,000 baht a year with AIA. In the USA I would pay that in 2 months and still have to pay a huge deductible. So I don’t think it’s too bad. I can go to any hospital, any time. Hell of a lot better than where I came from.

No one seems to have a clue what ongoing cancer treatment costs. In Thailand for some serious but treatable cancers you are talking millions and millions of baht. If you live long enough you are likely to get cancer. If you can't afford it, don't come. If you want to die in 'paradise' on a budget, come by all means. But you are likely to die broke and early. Thailand is not for those on a very modest budget, unless you want to live like an ordinary Thai and take your chances with the public health system.

You dont have to have insurance to retire in thailand, got heaps of mates all ages that live there and dont have insurance. But they keep a separate account of emergency money for if something goes wrong.

I’m skimming quickly as on road . I’m 72 and need to get insurance y Fri ( ya i know) but the bias and bs you go thru . Insurance suggestion s I’m sure will be appraring

Try WRLife insurance

Just an idea have no insurance but put 2 million bht in thai bank account for any issues

I just plugged your stats (76 yo, BC resident) into the website I use to buy travel insurance for my mom, and there's a 6 month policy for as low as $136/month for $2 million evac/$50K medical/$5K deductible/$2,500 pre-existing (lowest coverage possible). Same price up to 79 yo. Costs additional $100/month for ages 80 - 89. No coverage 90+. I would personally recommend the 2M evac/100K medical/$500 deductible/$10k pre-existing for $250/month if it were my own mother. I think this is a good option to snowbird in Thailand for 6 months at a time. Let me know if you'd like me to send you the links and quotes. I've used this underwriter before, and they're very responsive to paying claims fully. I've been in Bali for the past few years and always start with a 6 month travel policy from the US, because coverage is more comprehensive and claims easier to process with travel insurance. Then I top up with a month to month expat policy like World Nomads for 3 months or so, before going back annually for specialists doctor visits, imaging, and prescriptions on my US policy. Good luck!

You also need insurance to visit …

For 10 years a couple of Dutch and American friends that are between 30 and 70 always buy ALLIANZ insurance by the month… On the website supposedly it’s limited to six months at a time… But you can keep adding month by month in the country go to… For about a half million in coverage 50,000 hospital any other benefits always included Covid is only $40 down to 120 bucks a month depending on your age..

Takes less than five minutes to go to the website give a credit card choose between three coverages...no health precondition Limitation’s at all

Call

Mike

I have inboxed you with info

I'm 60 and my health insurance is about 40,000 thb per year.

Here’s what I would do. Open a Thai bank account deposit 800,000 THB go to Thailand on a tourist visa exemption given upon arrival. Go to immigration and change your visa exemption non immigrant O visa This visa does not have an insurance requirement. I’ve been on it for seven years now

isn't so bad an option....

@Sharon ******

sad to read this story. I would like to help by doing a market research to find the most affordable health insurance option. I am an advisor at

@AA ********************************

and our service is entirely free. Could you send your date of birth to my e-mail?

Let’s find a solution together so you can enjoy your retirement in Thailand 🇹🇭

I'm changing to O visa my insurance is a waste of time 3 million but only 100k baht per visit can pay that myself. Also they try to get out of paying. Its gamble with or without insurance.

You can get a Elite visa for about USD$17,000. It has no insurance required. You can travel to Thailand on a tourist visa and go to immigration and apply for a non o. No insurance required.

Get the Thai Elite Visa, no insurance requirement and 100% above board.

I got minimum required for $50 a month at 63 yrs

Thailand is no longer affordable for retirement …. You may want to consider in Malaysia 🇲🇾 a very expat friendly and I have heard reviews it is well affordable.

There are expats living on their government retirement pensions. They may or may not have savings. It isn’t a problem unless they suffer a serious accident or illness that prevents them returning to their home countries for treatment.

In his hin there’s insurance and it’s $190 a month. My older friend has it and he is very very high risk. And they cover everything no co pay. Don’t think you did enough research.

Axa Easy Care Visa Insurance. About 7.5k Bht p/a. High deductible. Applicant between 55 - 60 y.o.

You don’t need insurance just get a non-o visa and extend here

900 dollars a year....2.4 dollars a day.....

I just paid the same and I'm.under your age.....maybe mine is expensive......

Get your ass to the Philippines. $10-20k will get you a permanent residency visa (SRRV) with no insurance requirement. Way nicer beaches, English is spoken by pretty much everyone, and it's still a tad cheaper than T. Drawbacks are Phil food not as good as T food (but Western food available everywhere), and the infrastructure is less developed. I like living here in T but Phils would be my close 2nd choice.

I have lived my whole life with that motto, “ Don’t do tomorrow what can be done today “ and always say yes, I am 62 and my life experiences have been incredible to me, at least half of them I wouldn’t have done if I didn’t say, fuckit , just do it, by the way Nike stole that from me lol

Please check your inbox

That's very expensive

Why not fly to Thailand then get a Non O visa based on being over 50 then get yearly extension, there is no requirement for insurance just need 800,000 bath in bank 2 months before extending.

For health insurance have a look on Mr Prakan for all your Thailand insurance requirements

You can compare policies and prices in it from the leading providers

In Thailand health insurance



They also do Retirement insurance

Why did you want to stay Thailand ?

philippines or indonesia,or malaysia are better option now,

If it s for weather aIr quality , and cost of living

Sharon I pay 160 UK pounds each month. I have to pay the first 2000 pounds of any claim. I am 67.

Wow….that’s cheap. You need to plan ahead. You will need insurance anywhere in the world. It is a reasonable requirement.

Stop thinking, you are wasting your last few good years ! Just come here as a tourist and stay if you want, visa or not !

Other option is to come to Thailand on a tourist visa, convert it to a non-o visa while inside Thailand, then get a one year extension based on retirement. No insurance requirement.

However, you need to have 800,000 Thai Baht in the bank account. But there are visa agencies that may be able to get around this requirement for a fee.

My insurance sucks! Pay a lot but they not pay anything, example I got Covid and get 2000 b. Pos company

Yes, why not get the non O visa, which does not require the insurance. Then shop around for insurance with a higher deductable like one one else posted...However, if you can not afford to put the required amount of money in a Thai bank to get the non O, then thats another issue.

@Sharon ******

most pay as you go

Yeh thailands biggest problem expensive health insurance that rarely pays out

Even if he acquired a Non O visa and an annual retirement extension, the Thai government could decide tomorrow to require impossible to get health insurance and he would have to abandon his home, furnishings, car, motorcycle, friends, neighbors and life with little or no notice.

Hi Sharon may I ask how old you are? We are independent advisers and have access to all of the health insurance market both in Thailand and internationally

People say $900 US a month is unreal, but yes that could well be the cost if you are in your 70's. And it isn't Thai companies that are charging this, but international ones. A good suggestion I read here is to have a whacking but deductible, but keep that deductible amount (100-250,000 baht) in an account. As I ammon my 70's also I will do this and have the insurance to cover major events', not rashes and colds.

Is that with an non OA visa if you get an non O visa insurance isn't required

Private message me with email and age as my broker got me excellent coverage for older person.. go for in-hospital only.He'll send u options. Good luck!

Try Pacific Cross. I’ve just had a reasonable quote for age 50-55. Here are details



This is who I go through. I used him in the past. His name is Loic

mailto:

Sounds weird...$900/month (That's 31.600 baht) ... Can't be that much even if you are over 100 years old... (Except if you have already a lot of existing health problems...)

That's usually the yearly cost. Get help from a visa company and they can tell you the exact cost because this price is definitely not right.

The real lesson here is that there are much better places to retire where they understand that outside money brought in by foreigners drives the economy— 😂 It’s not too late. If you’re looking for a society that mirrors Thailand almost 💯% with much easier immigration processes where they can actually speak ENGLISH not for show but for sure, check out the Philippines 🇵🇭 if you haven’t considered it already 😉 Im sure some retirees here would pick better places if they could do it 2.0 🤷🏾‍♂️

Inboxed you

You can significantly reduce the cost by increasing the deductible. Ask for 250,000 deductible!

There are definatly cheaper options then 900$. It should be arround 300$ for people above 60

When one door closes another opens, often to a better place.

You must be getting up there in age, $900 seems crazy even for Thailand. No doubt the insurance companies and hospitals are doing there best to take advantage of foreigners living here, they got ya over a barrel 😞

You can get a non-O visa (over 50 years of age) in Thailand with no insurance requirement. You can then purchase your own medical insurance with a high deductable amount (say 300,000 baht) which will cover you for extreme medical conditions. Keep 300,000 baht in a bank account for smaller incidents

Sharon , you just need some good advice, you will get it from this group, good luck 🙏🙏🙏

Sorry to hear that