What are the best health insurance options in Thailand for U.S. expatriates with existing coverage?

Question

I'm moving to Thailand from the U.S.; my wife is a dual citizen Thai/U.S. I previousy lived in Thailand for 3 years.

Question please: I'm retired from the U.S. government and have health insurance that covers me anywhere with no limits, but it does take some time to arrange payment.

In cae I am injured or sick and in the ER or in hosptial in Thailand, I assume that I should also have Thai medical insurance immediately available.

SInce I have my U.S. insurance, any suggestions on insurance companies in Thailand to speak with? I assume that my insurance cost will be greatly reduced(?), as ultimately my U.S. insurance will cover all costs.

Thank You!

Mark

Ask Thailand · Answer

Mark, a retired U.S. government employee moving to Thailand with his dual citizen wife, is seeking advice on health insurance options. He holds U.S. insurance that covers him globally but is concerned about having immediate medical coverage in Thailand. Suggestions from the community include contacting Allianz for local insurance options that can complement his U.S. policy, while also considering the potential challenges of medical claims in Thailand. It's noted that with existing U.S. insurance, he might secure local insurance at reduced costs.

Patrapong ***** · Answer

[mention redacted] If you have already an  insurance in the US and that insurance is still valid, you can have a a good local medical insurance in Thailand with largely reduced price.

James ******** · Answer

Are you a disabled veteran ?

James ******** · Answer

Let's Ask [mention redacted] if the type of health insurance he has is good in Thailand ? AND when you get to Thailand be sure to connect with a VFW post... and their Services Officer.

Also Andy as he is married to Thai, does he have access to Thai government hospitals for medical care ?

Michael ************* · Answer

You do not need any other insurance. Your FEP insurance covers you. When you get to Thailand find care that accepts the FEP. Otherwise you will get reimbursed. My wife has been using it in Thailand and Hong Kong and has had no issues!

Anonymous ****************** · Answer

Just keep in mind that nothing in Thailand happens immediately and every claim is usually disputed certainly by insurances with Thai license. Also ( since we have just been through this ) medical care ( or not care ) are a business here . If you have a good insurance and emergency happens the hospital will keep you as long as only possible as a vegetable because your insurance is paying..don’t forget to make immediately a will and living will too ..and do stay with your American insurance rather than Thai ( this is all from experience)

Kanittha ************** · Answer

Hi Mark,

I am an agent at Allianz Ayudhya.

Premium depends on age, gender and the coverage you choose.

Im happy to help. Pls DM me.

DTV_Be******* · Answer

If you have the non-o visa for marriage

I would suggest Allianz depending on your age and if you have any chronic conditions (hypertension etc) you can omit from the policy due to your US policy you could get a great deal

Comprehensive health insurance with $10-$15 million in coverage

Somewhere between ฿48k-฿75k a year

[url redacted]

Good luck

What are the best health insurance options in Thailand for U.S. expatriates with existing coverage?

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