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What are the best healthcare insurance options for expats in Thailand?

Health Insurance Expats in Thailand Insurance Brokers Pacific Prime Healthcare Coverage Insurance Plans Expat Life Thailand Visa Family Insurance

Aug 28, 2025

7 days ago

Chris ******

ORIGINAL POSTER

I’m currently on a lookout for healthcare insurance plans for my family and me.

I checked the Pacific Prime Thailand website and it spit out some good quotes within my budget.

But then I asked the broker / agent of pacific prime and got totally different quotes which are way higher

Do you guys had the same experience? 

What’s the best way to approach this?

Do you have any recommendation in terms of brokers, insurance companies and plans?

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TLDR : Answer Summary

The user is searching for healthcare insurance for themselves and their family, finding that quotes from the Pacific Prime Thailand website differ significantly from those provided by their agent. They seek advice on this experience and recommendations for insurance brokers or companies. Community responses suggest various brokers and companies such as Abacus Associates, Cigna Global, Luma, AIA, and Tenzing Pacific Services, along with insights on the factors affecting insurance quotes, including age, coverage, and exclusions.

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Chanya ************

I help expats in Thailand find reliable health & life insurance with great coverage and real support — in English.

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7 days ago

Aleksei **********

Try checkdi dot com and compare the rates and conditions of different insurance companies. Fast and easy.

7 days ago

Shane ********

Talk to

@Tenzing ******************

highly recommend and the leading expat insurance broker in Thailand, very helpful

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7 days ago

Ron ******

Alan is the man to talk to at the 'Thai Expat Club' (just Google it). Alan will make recommendations based on your requirements. All I had to do was the medical and pay the premium. Great service.

7 days ago

Marty *********

I would think the website is approximate examples. Real prices are going to depend on age, coverage amount, and deductible. There may be exclusions too.

I have Pacific Cross.

7 days ago

Max *************

@Marty ********

Me too, I've been with them for years.

6 days ago

Reply to

Max *************

Samuel *******

Have a chat with Tenzing, they're very knowledgeable and helpful on expat insurance:

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7 days ago

Tore ********

I was checking most of the Thai health insurance companies and found only 2 which I liked. That was Luma and AIA. They were the only one who gave me the level of yearly payment up to 99 years. And guaranteed renewal. Try this certified agent:

@Tabby **************

. She is very serious and professional 👍

7 days ago

Christopher ***********

Cheaper companies exclude all previous (pre-existing) conditions. Cigna Global give due consideration to how long ago you were diagnosed, do you currently receive medication etc.? They determine whether a condition can be regarded as ‘resolved’ or ‘controlled’. This makes the difference between being covered or excluded. All done in a single telephone call.

7 days ago

David *****

@Christopher **********

is Cigna global widely accepted in Thailand? There are plenty of hospitals and clinics that accept it?

6 days ago

Christopher ***********

@David ****

Yes, it’s very well known. Suggest you contact them for full details.

6 days ago

David *****

@Christopher **********

thx