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

Health Insurance Thailand Expat Insurance U.S. Insurance Coverage Emergency Medical Care Thailand Insurance Recommendations Thailand Visa Types NON-O Visa Healthcare for Expats in Thailand

Nov 13, 2025

a day ago

Mark ******

ORIGINAL POSTER

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

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TLDR : Answer Summary

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.

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Patrapong *****

@Mark *****

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.

13 hours ago

James ********

Are you a disabled veteran ?

a day ago

Mark ******

ORIGINAL POSTER

@James *******

I am a U.S. Army veteran (3 years service), but am not disabled.

21 hours ago

Reply to

Mark ******

James ********

Let's Ask

@Andy ******

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 ?

a day ago

Mark ******

ORIGINAL POSTER

@James *******

I didn't know that VFW had posts there, and I am a U.S. active duty veteran. If I can travel after injury or other medical problem, I've been to the foreigner hospital in Bangkok, Bumrungrad International Hospital, and trust them.

20 hours ago

Reply to

Mark ******

Michael *************

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!

a day ago

Mark ******

ORIGINAL POSTER

@Michael ************

My concern is that as we often travel to somewhat remote rural areas, and I must use the nearest small hospital, and they do not accept my FEP insurance, then what do I do? It may not be possible to go to another hospital for a serious illness/injury.

21 hours ago

Michael *************

@Mark *****

you pay and then get reimbursed. The wife has done this as well.

20 hours ago

Mark ******

ORIGINAL POSTER

@Michael ************

The potential payment for something serious, while far less expensive than the U.S., is the problem. Our credit cards don't cover something too expensive, serious surgery such as open heart, while less than $40,000 compared to $175,000 to $400,000 in the U.S., could be an issue(?). My wife said that a Thai hospital might not allow me to leave without full payment, however that is only from her reading. She never had an issue growing up in Bangkok, as she was covered by very inexpensive regular Thai government insurance. Yes, I may be completely out of line worrying about this stuff! Your comments do make me feel better.

20 hours ago

Reply to

Mark ******

Anonymous ******************

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)

a day ago

Mark ******

ORIGINAL POSTER

Anonymous participant 414 I understand and thank you. I do have a living will, although perhaps that is meaningless there. If I'm a vegetable, I don't care what they do with me. They can send me to the nearest crematorium, and I've seen them everywhere.

20 hours ago

Reply to

Mark ******

Kanittha **************

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.

a day ago

Kanittha **************

a day ago

Reply to

Kanittha **************

DTV_Be*******

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

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

Good luck

a day ago

Reply to

DTV_Be*******

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