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What are the best healthcare insurance options for my 76-year-old parents moving to Thailand on a retirement visa?

Retirement VisaHealthcare InsuranceThailand Health InsuranceElderly VisaExpat Life in ThailandInsurance Brokers in ThailandPre-existing ConditionsCigna Worldwide
Mar 1, 2025
9 days ago
Nick *******
ORIGINAL POSTER
Hi there,

I need some help for my parents of 76years old retirement visa in Thailand.

Anyone can advise me on the healthcare insurance as my country will cost so much like $15k usd per year with 5k deductible.

Any other ways to let my parents to come over to stay in the most easier and cost savvy way.

My wife and myself will be holding retirement visa.

Thank a million for any advise 🙏🏻
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TLDR : Answer Summary
The inquiry revolves around finding affordable healthcare insurance for the user's elderly parents seeking retirement visas in Thailand. Several comments suggest exploring insurance options with brokers, noting that many Thai insurance companies are reluctant to cover customers over 75 or those with pre-existing conditions. Recommendations include specific brokers and insurers, emphasizing the challenges elderly newcomers face in obtaining suitable health coverage.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
  • Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
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Julian *******
Speak to
@Mike *********
 , he’s an American and does excellent affordable products without deductibles
7 days ago
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Cris ******
I got Cigna Worldwide. They were really great and have no deductible options
7 days ago
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Rae ******
about
*****
0 baht the pair pa
8 days ago
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Chanya ************
I can provide details for you to compare with other companies before making any decision.
8 days ago
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Gwen *****
Nick Cheng, my family and I are from Singapore and have been living in Thailand since Nov 2023. We've experienced similar difficulties with retirement visas and healthcare insurance. Would you like to pm me?
8 days ago
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Lim ***********
@Gwen ****
 I am from Singapore and staying in Udon Thani with my family and friends.

We are all self insuring ourselves as medical fees doesn't appear to be too expensive if one goes to the government hospital.
8 days ago
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Nick *******
ORIGINAL POSTER
@Gwen ****
 Hi Gwen, I have pm you 😉
8 days ago
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Ashley **********
@Nick ******
 Hi Nick, I have a policy through
@Health ***********
 . My parents came out to Asia for 18 months back in 2021 and they also helped to secure a good policy for them . Chat to Richard Yates who is my broker. This is there website
**********************
5 days ago
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Ashley **********
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Mark ******
Talk with one or more insurance brokers here. They will let you know what (if any) policies are available, coverage options, costs.
9 days ago
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Tipanan ********
Health insurance in Thailand can be challenging for a 76-year-old. Usually, basic coverage applies to 1-70-year-olds, and those who have it at 70 are covered until age 90.
9 days ago
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Peter *******
I'm only 74 but I recommend AA brokers as they helped me sort out the confusion of Thai insurance plus have helped in my claims (most important)- check with them
********************************
9 days ago
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John **********
Some thai insurance companies won't take on new customers over the age of 75 so you would need to look for one that will. Also any preexisting conditions won't be covered
9 days ago
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Sharron *******
Medicare is not always expensive. I am 77 and I pay $167.00 a month $3000.00 deductible.Dr. visits free. When I move to Thailand I will be seeing an increase I know. And pre ex. Won't be covered
9 days ago
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Frank **********
@Sharron ******
 Medicare doesn't work in Thailand
9 days ago
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Sharron *******
@Frank *********
 LOL I know thats why I said I would see an increase, and pre ex, won't be covered. Buying my insurance there will be more money, and cover almost nothing.
9 days ago
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Frank **********
@Sharron ******
 right. Good luck though. If you can find a good government hospital in your area use them for most things. Very cheap.
9 days ago
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Frank **********
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Tony **********
You realize that 1) insurance coverage is not required for non-o based on retirement visa. 2) healthcare is at least ⅓ the cost of haha in USA and its in many ways better quality.
9 days ago
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Tony **********
@Sharron ******
 Medicare won't cover you in Thailand
9 days ago
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Sharron *******
@Tony *********
 LOL I know thats why I said I would see an increase, and pre ex, won't be covered. Buying my insurance there will be more money, and cover almost nothing.
9 days ago
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Mark ******
@Sharron ******
 It's not that expensive here. You can get 3,5,10M baht comprehensive coverage here. With no claims in 4 years my 5M baht coverage is 2,000USD per year (mid-60's).
9 days ago
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Sharron *******
Thats not bad Mark. But since I am 77, mine may be twice that. I will have to wait and see. I do not want to spend more than $300.00 us a month. I would like $250.00 a month. I can't get any good answers from companies. I may have to wait until I get there.
8 days ago
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Tony **********
@Sharron ******
 you might consider self insuring....
9 days ago
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Tony **********
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Bipin *******
What is your nationality? You are quoting the numbers in USD making one think that your parents are in US. If they are, aren’t they covered by Medicare? Health insurance for people 75 and older is pretty expensive in Thailand as well.
9 days ago
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Nick *******
ORIGINAL POSTER
@Bipin ******
 we are from Singapore
9 days ago
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Tony **********
@Bipin ******
 Medicare coverage is invalid outside of USA and its territories. Nearest is Guam.
9 days ago
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Reply to
Tony **********
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Braulio *********
TIT, just pay
9 days ago
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Reply to
Braulio *********
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