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What are the best private health insurance options for expats in Thailand based on personal experiences?
health insuranceexpat insuranceThailandprivate insurancepre-existing conditionsannual medical insuranceinsurance brokersinsurance comparisonpolicy coverageclaims process
Feb 23, 2025
a year ago
Jordee ******
ORIGINAL POSTERHello everyone, I would like to ask if there are any questions in the group about private health insurance to take out. And opinions, above all, based on experiences.
It’s more because I need to get annual medical insurance, and there are so many options that I get overwhelmed.
I'm not looking for the most expensive, exclusive, or premium insurance—just something that allows me to move forward as human.
I Live Phra Padaeng City
48 years old
No diseases
It’s more because I need to get annual medical insurance, and there are so many options that I get overwhelmed.
I'm not looking for the most expensive, exclusive, or premium insurance—just something that allows me to move forward as human.
I Live Phra Padaeng City
48 years old
No diseases
TLDR : Answer Summary
The post discusses the challenges of choosing private health insurance for expats living in Thailand, specifically for individuals with no pre-existing conditions seeking affordable coverage. Community members share their experiences with various insurers, noting the obstacles with pre-existing conditions leading to heightened premiums and exclusions. Several suggest using brokers for personalized service and better options. Factors to consider when deciding on insurance include international coverage, coverage limits, pre-existing conditions, and costs. Users also share specific brokers and insurance companies they found useful for health insurance needs.
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Jordee ******
ORIGINAL POSTERI have decided to contact only brokers.
I made a list.
Why is it better to use a broker?
Using a broker is a better option because they work independently from insurance companies and can offer unbiased recommendations based on your specific needs. They compare multiple policies from different providers, ensuring you get the best coverage at the most competitive price. Additionally, brokers can assist with claims, policy adjustments, and understanding the fine print of your insurance plan, making the process smoother and less stressful.
1. Expat Insurance
Provides health insurance services and other products for expatriates in Thailand.
expatinsurance.com
2. Pacific Prime
A global insurance broker offering health insurance for expatriates in Thailand.
pacificprime.com
3. GoExpat Insurance
Specializes in health insurance for expatriates in Thailand, helping to compare different options.
goexpatinsurance.com
4. MediGuide
A broker specializing in international health insurance, including options for expatriates in Thailand.
mediguide.com
5. InsureMyTrip
Provides brokerage services for health insurance for expatriates in Thailand.
insuremytrip.com
6. HealthCare International
An insurance broker offering solutions for expatriates in Thailand and other international destinations.
healthcareinternational.com
7. William Russell
A broker specializing in health insurance for expatriates in Thailand and other parts of the world.
william-russell.com
8. Bupa Global
Although an insurance company, it also acts as a broker by offering multiple plans from different insurance providers.
bupaglobal.com
9. Allianz Partners
Provides brokerage services for international health insurance, specifically for expatriates in Thailand.
allianz-partners.com
10. Aetna International
Acts as a broker, offering global health insurance plans for expatriates in Thailand.
aetnainternational.com
I made a list.
Why is it better to use a broker?
Using a broker is a better option because they work independently from insurance companies and can offer unbiased recommendations based on your specific needs. They compare multiple policies from different providers, ensuring you get the best coverage at the most competitive price. Additionally, brokers can assist with claims, policy adjustments, and understanding the fine print of your insurance plan, making the process smoother and less stressful.
1. Expat Insurance
Provides health insurance services and other products for expatriates in Thailand.
expatinsurance.com
2. Pacific Prime
A global insurance broker offering health insurance for expatriates in Thailand.
pacificprime.com
3. GoExpat Insurance
Specializes in health insurance for expatriates in Thailand, helping to compare different options.
goexpatinsurance.com
4. MediGuide
A broker specializing in international health insurance, including options for expatriates in Thailand.
mediguide.com
5. InsureMyTrip
Provides brokerage services for health insurance for expatriates in Thailand.
insuremytrip.com
6. HealthCare International
An insurance broker offering solutions for expatriates in Thailand and other international destinations.
healthcareinternational.com
7. William Russell
A broker specializing in health insurance for expatriates in Thailand and other parts of the world.
william-russell.com
8. Bupa Global
Although an insurance company, it also acts as a broker by offering multiple plans from different insurance providers.
bupaglobal.com
9. Allianz Partners
Provides brokerage services for international health insurance, specifically for expatriates in Thailand.
allianz-partners.com
10. Aetna International
Acts as a broker, offering global health insurance plans for expatriates in Thailand.
aetnainternational.com
Jordee ******
ORIGINAL POSTERI had an existential question related to insurance companies when it comes to hiring. What is better, to contact a broker or to contact a specific company one by one?
I believe both situations are trained to assist you. However, when it comes to payment:
It depends on the customer. A company provides a call center for services when needed.
Contacting a broker is easier for communication or a local visit.
Both are trained on the benefits and conditions.
But I recommend that the payment should be made directly to the insurance company's account.
In general, payments should be made directly to the insurance company. However, in some cases, a broker may offer additional services, such as managing the payment and processing the policy, in which case the payment would be made through the broker, who would then forward it to the insurer.
It is important to check with the broker and the insurer how the payment will specifically be handled to avoid any misunderstandings.
I believe both situations are trained to assist you. However, when it comes to payment:
It depends on the customer. A company provides a call center for services when needed.
Contacting a broker is easier for communication or a local visit.
Both are trained on the benefits and conditions.
But I recommend that the payment should be made directly to the insurance company's account.
In general, payments should be made directly to the insurance company. However, in some cases, a broker may offer additional services, such as managing the payment and processing the policy, in which case the payment would be made through the broker, who would then forward it to the insurer.
It is important to check with the broker and the insurer how the payment will specifically be handled to avoid any misunderstandings.
Bill *********
Cigna Global... I picked it up last year for the first time and so far it's paid claims promptly and otherwise good service.
Jordee ******
ORIGINAL POSTERBill *********
@Jordee *****
Hospital stay and followup, various checkups and health maintenance. I go to Bumrungrad International Hospital for their excellent service and staff.Jordee ******
ORIGINAL POSTER@Bill ********
Thank you for the information. It is important to hear from others whether a company works seriously with people.
Bill *********
@Jordee *****
Welcome! Good luckReply to
Bill *********
Reply
Jordee ******
ORIGINAL POSTERAnd here is a short letter presenting the objectives.
This text aims to be clear and direct, highlighting the important points in a respectful manner.
Dear [Company Name],
I am writing to express my concern regarding the clarity and transparency of the policies offered. On several occasions, the terms and conditions of the policies can be ambiguous, making it difficult to fully understand what is covered or excluded. This, along with the lack of visibility of certain key conditions or exclusions, creates confusion and potential misunderstandings.
I would appreciate it if you could review the wording of your policies, using clearer and more accessible language for customers, avoiding details that may remain hidden or not be properly understood. Additionally, it would be helpful to provide more detailed explanations of the coverage offered and possible exclusions, to avoid unfulfilled promises or surprises when making claims.
Transparency is essential in any agreement of this nature, and I believe that providing this information would not only avoid frustrations for customers but also strengthen trust in your services.
Sincerely,
Jordee
This text aims to be clear and direct, highlighting the important points in a respectful manner.
Dear [Company Name],
I am writing to express my concern regarding the clarity and transparency of the policies offered. On several occasions, the terms and conditions of the policies can be ambiguous, making it difficult to fully understand what is covered or excluded. This, along with the lack of visibility of certain key conditions or exclusions, creates confusion and potential misunderstandings.
I would appreciate it if you could review the wording of your policies, using clearer and more accessible language for customers, avoiding details that may remain hidden or not be properly understood. Additionally, it would be helpful to provide more detailed explanations of the coverage offered and possible exclusions, to avoid unfulfilled promises or surprises when making claims.
Transparency is essential in any agreement of this nature, and I believe that providing this information would not only avoid frustrations for customers but also strengthen trust in your services.
Sincerely,
Jordee
Jordee ******
ORIGINAL POSTER"For mass emailing."
New review of the email can you comment if I should include anything else?
Subject: Health Insurance Inquiry for an Expat in Thailand
Introduction:
My name is Jordee, I am 48 years old, and I have been living in Thailand for 8 years with a Thai family. I do not have any pre-existing conditions or a history of serious illnesses, and I have a low-risk profession as I buy and resell various products. Marriage Certificate.
My Health Insurance Needs:
I am looking for a health insurance plan that includes coverage for the following:
General medical consultations and specialist visits.
Hospitalization, including surgeries and emergency care.
Prescription medications
Emergency medical coverage, especially for accidents.
Preventative care (e.g., blood tests, cholesterol checks).
International coverage options (as I may travel abroad).
Details on deductibles, reimbursement options, and medical network affiliations.
Additionally, I consider it essential that the policy covers medical emergencies in case of traffic accidents, whether on a motorcycle or in a car. I would also like to know if there is a limit on medical expenses and whether payments are made directly to affiliated hospitals or through reimbursement.
Additional Questions:
1. Is there an age limit to enroll in the policy?
2. Does it cover annual medical check-ups?
- Valuable for me to make decisions when contracting.
"Do your policies offer any benefits or discounts for maintaining good health?"
Additional Considerations:
1. Remote Support: Does your company provide remote support through online chat for assistance with policy-related questions or medical emergencies?
2. Payment Process: Could you please clarify the payment methods available for purchasing the insurance policy? I prefer using secure payment platforms, and I would like to ensure that the payment process is clear and transparent.
3. Digital Documentation: Before finalizing the purchase, I would like to receive all relevant documentation, such as the policy details, exclusions, and any additional conditions, in a digital format (preferably PDF). This will allow me to carefully review all aspects of the policy before committing.
I would greatly appreciate more details about the available plans and the best option for my situation.
Note: If you are an insurance broker, feel free to ask for any additional information you may need before searching for providers. I will respond promptly.
Thank you for your time and attention to this matter. I look forward to your reply and a possible consultation.
Best regards,
Jordee
New review of the email can you comment if I should include anything else?
Subject: Health Insurance Inquiry for an Expat in Thailand
Introduction:
My name is Jordee, I am 48 years old, and I have been living in Thailand for 8 years with a Thai family. I do not have any pre-existing conditions or a history of serious illnesses, and I have a low-risk profession as I buy and resell various products. Marriage Certificate.
My Health Insurance Needs:
I am looking for a health insurance plan that includes coverage for the following:
General medical consultations and specialist visits.
Hospitalization, including surgeries and emergency care.
Prescription medications
Emergency medical coverage, especially for accidents.
Preventative care (e.g., blood tests, cholesterol checks).
International coverage options (as I may travel abroad).
Details on deductibles, reimbursement options, and medical network affiliations.
Additionally, I consider it essential that the policy covers medical emergencies in case of traffic accidents, whether on a motorcycle or in a car. I would also like to know if there is a limit on medical expenses and whether payments are made directly to affiliated hospitals or through reimbursement.
Additional Questions:
1. Is there an age limit to enroll in the policy?
2. Does it cover annual medical check-ups?
- Valuable for me to make decisions when contracting.
"Do your policies offer any benefits or discounts for maintaining good health?"
Additional Considerations:
1. Remote Support: Does your company provide remote support through online chat for assistance with policy-related questions or medical emergencies?
2. Payment Process: Could you please clarify the payment methods available for purchasing the insurance policy? I prefer using secure payment platforms, and I would like to ensure that the payment process is clear and transparent.
3. Digital Documentation: Before finalizing the purchase, I would like to receive all relevant documentation, such as the policy details, exclusions, and any additional conditions, in a digital format (preferably PDF). This will allow me to carefully review all aspects of the policy before committing.
I would greatly appreciate more details about the available plans and the best option for my situation.
Note: If you are an insurance broker, feel free to ask for any additional information you may need before searching for providers. I will respond promptly.
Thank you for your time and attention to this matter. I look forward to your reply and a possible consultation.
Best regards,
Jordee
Jordee ******
ORIGINAL POSTERI will add this question for consideration.
Valuable for me to make decisions when contracting:
"Do your policies offer any benefits or discounts for maintaining good health?"
Valuable for me to make decisions when contracting:
"Do your policies offer any benefits or discounts for maintaining good health?"
Reply to
Jordee ******
Reply
Suraphong *******
I am an agent from FWD insurance company and would like to help answer your questions if you still needed. I sent you a DM. Thank you 🙏
Jordee ******
ORIGINAL POSTER@Suraphong ******
Yes, I still need a new policy.I am preparing a list ( as you can see) to send a mass email to hire a health insurance policy. I still want to expand my list (for myself or others), and when I consider it, I will contact all of them through a generic text with my preferences.
If you are a broker or work for a company, please provide your contact details, here.
I will add you to the list.
Reply to
Jordee ******
Reply
Jordee ******
ORIGINAL POSTER✅ List of options for health insurance policies. My idea is to send a mass email to as many companies as possible with my preferences or well-defined needs.
Can you contribute?
✓ I will keep adding more.
- AA (Broker)
- Peter Wands
Financial advisor dealing with health insurance in Thailand.
- Mon
- Rungtiwa (With AXA)
Thai Insurance Solutions by Rungtiwa for Thais & Expats
- Ban Chang Insurance and Law Hub
- Cigna
- Pacific Cross
- Thai Life Insurance (By the way, they have several job offers published.)
AiA Company Limited
Rabbit Care ( Broker)
Can you contribute?
✓ I will keep adding more.
- AA (Broker)
@https://www.facebook.*********************
********************
- Peter Wands
Financial advisor dealing with health insurance in Thailand.
@https://www.facebook.*********************
*************************
- Mon
@https://www.facebook.*********************
******************************
- Rungtiwa (With AXA)
Thai Insurance Solutions by Rungtiwa for Thais & Expats
************************
@https://www.facebook.*********************
@https://www.facebook.*********************
- WrLife@https://www.facebook.*********************
******************
- Ban Chang Insurance and Law Hub
@https://www.facebook.*********************
****************************
- Cigna
@https://www.facebook.*********************
Cigna Quote****************************************************************************************************************************************************************************************************************************************************************************
**********
**********
**********
*****
*****
*****
521&utm_content=*****
*****
*****
521&utm_id=*****
*****
*****
20- Pacific Cross
@https://www.facebook.*********************
***************************
- Thai Life Insurance (By the way, they have several job offers published.)
@https://www.facebook.*********************
*****************
AiA Company Limited
@https://www.facebook.*********************
*****************************
Rabbit Care ( Broker)
*************************************************************************************************************************************************************************************
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207-conv-expat-2&fbclid=IwZXh0bgNhZW0BMABhZGlkAasXNB5pEHsBHatJtBALvevnqHn9qqznXz8uK_qUwaVsxjUb2HPxqIXCH4fEe2M_MQw5ew_aem_mbiIHh2fPYdr4CI7iYZ9Eg&utm_id=*****
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331******************************
Wyn **********
WrLife payed me outpatient in 48 hrs.
Jordee ******
ORIGINAL POSTER@Wyn *********
NotedReply to
Jordee ******
Reply
Nick *******
I researched lots of companies and came to the conclusion it’s better to self insure for now. I have a couple of minor pre existing conditions, which they ALL vastly loaded my premium for but excluded in their final policies!!! So, trying to get me to pay for something they wont cover. Wtf is that about!
I find Thai underwriters are not up to speed on certain conditions and load premiums out of ignorance. I have very mild asthma, which I use an inhaler for maybe once or twice a year. One insurer asked for a premium upload of 75% for this condition. ALSO, then said it would not be covered and ANY respiratory condition was ruled out 🤣🤣 Absolute joke. When I took out health insurance in UK, this condition warranted the equivalent of an extra 500 bht uplift in the premium. This highlights the difference in understanding of conditions between both countries underwriters. I’m going back to UK soon to find an insurer who will cover me abroad.
REMEMBER, you only get to find out who is actually a good insurer, when it’s time for them to pay out. Unfortunately for the vast majority, it’s too late by then.
Please post who you eventually went with.
I find Thai underwriters are not up to speed on certain conditions and load premiums out of ignorance. I have very mild asthma, which I use an inhaler for maybe once or twice a year. One insurer asked for a premium upload of 75% for this condition. ALSO, then said it would not be covered and ANY respiratory condition was ruled out 🤣🤣 Absolute joke. When I took out health insurance in UK, this condition warranted the equivalent of an extra 500 bht uplift in the premium. This highlights the difference in understanding of conditions between both countries underwriters. I’m going back to UK soon to find an insurer who will cover me abroad.
REMEMBER, you only get to find out who is actually a good insurer, when it’s time for them to pay out. Unfortunately for the vast majority, it’s too late by then.
Please post who you eventually went with.
Jordee ******
ORIGINAL POSTER@Nick ******
In the past, years ago, I would take out any policy simply to meet the goals or requirements of certain companies in order to work with them. Nowadays, I truly prefer to take my time, and if I have to spend a year reading policies, I will. If I have to use artificial intelligence (we talked about that above) to create a policy summary (a specific prompt) in order to detect fine print and avoid being scammed, I will.
At the very least, being aware of a large part of the policy will make it clear what to expect next.
Well, you can come across any character in a white coat. For example, a friend had an electrocardiogram, and the doctor told him: "You are unfit to work" (he lost that contract). She went on to say, "Your heart rate is abnormal, its sequence or frequency. You will not be able to sign a contract with us."
Another doctor told him, "That one doesn’t know anything, that’s normal."
This may be due to factors such as stress, fatigue, caffeine consumption, or even medical conditions like arrhythmias. The second evaluation was perfect.
But do you know who told him everything was fine? The private insurance policy. However, the first test was done at a company's clinic. Who is right? Who knows.
One tells you the truth, even if they don’t know, and the other tells you a lie because they do know.
They sleep peacefully in their homes, but you’re left thinking, "What the hell has happened to me these past two days?"
Steve *********
@Nick ******
Good postReply to
Steve *********
Reply
Steve **********
70 years old, just got a quote of 72,000 baht yearly
Jordee ******
ORIGINAL POSTER@Steve *********
What health insurance company do you have?Jordee ******
ORIGINAL POSTERAXA
But I already had a contract from Europe.
"An international policy is more appealing for life insurance, but I haven't left Thailand for many years (married with a child), so I'll probably go for a national policy instead. More affordable."
But I already had a contract from Europe.
"An international policy is more appealing for life insurance, but I haven't left Thailand for many years (married with a child), so I'll probably go for a national policy instead. More affordable."
Steve **********
@Jordee *****
i apologize i do not yet have health insurance in Thailand. I only received a quote. I am hoping to return to Thailand in JulyReply to
Steve **********
Reply
Albert ********
@Steve *********
any pre existing? I had a CVA stroke a year ago. I got a quote from safety wing for over $650/m at age 62 and I think a quote from Cigna for around $200/m but I haven’t got back with then to see what it would actually cover.Steve **********
@Albert *******
no pre existing here, have not been to a doctor in over 30 years, I am very thankful for good healthJordee ******
ORIGINAL POSTER@Albert *******
650 VS 200 ? InterestingAlbert ********
@Jordee *****
I hope around $200-$300 is the average price for a decent policy for a 62 yo with pre-existing conditions. Like I said, I’m not sure if it was an apples to apples comparison. I was driving to a doctors appointment when the Cigna agent called and not able to delve into policy detailsJordee ******
ORIGINAL POSTER@Albert *******
Well, I think about your age, pre-existing conditions. I also think about your policy, international? I suppose you have an international policy. With all these ingredients, a high price. Well, look at what I'm telling you: I was thinking of taking out an international policy, but since I haven't left this country for many years, I'm going to take out a national Thai insurance policy. The savings will be considerable, although I will opt for a better policy than a basic or usual coverage. My needs and preferences are stated in another message.Albert ********
@Jordee *****
correct. Idk if I’d leave for long. Never been so that is a presumption. Is just go home to visit family so I guess it would be prudent to just get international policy for that period. I have a few months to sort things.Reply to
Albert ********
Reply
Nick *******
@Steve *********
Better to put that money aside each year and self insure.Jeff *******
@Nick ******
What happens if you ned a 2m baht triple heart bypass in year 1,2,3?Nick *******
@Jeff ******
First, What if you don’t is an equal and valid question. Second, if you are going down the self insure route, you should have a good cash reserve to do it.
Third, if you don’t have a cash reserve, anyone of a certain age should be getting full annual testing. From that you will know what your medical condition is. If you have heart problems, Thai insurance won’t cover you anyway, full stop so you’re wasting your money from the start. If you do know of any Thai insurer that WILL fully cover you for heart conditions or any other conditions, please let me know. I await your recommendation and will buy a policy immediately if premiums aren’t ridiculously high.
Fourth, if you have a heart condition and have it monitored regularly, you can always fly home before the condition worsens to a point of failure.
Jeff *******
@Nick ******
First point is completely invalid it that situation hits. For sure it's a gamble, as long as you understand thats fine. But it takes many many years to save in premiums what a triple heart bypass surgery will cost you and given the average age of retirees is gods waiting room area, it's a gamble that probably won't pay off unless you die in your sleep. Second point - absolutely agree. Third point, hmmmm many people aren't aware that thai insurance companies cannot or will not reach across to your country for medical records, which is why if you have a clean record in Thailand you're good to go. It's what they will go on. (So if you have a minor(ish) element never let them reccord your details as you're then on their radar. Fourth point, not sure where you are from Nick but if it's the UK, the waiting list will kill you long before you get to see anyone that can save you. The NHS is a basketcase.Reply to
Jeff *******
Reply
Steve **********
@Nick ******
really? I have read there can be issues getting a claim paid but know very little about thai health insuranceNick *******
@Steve *********
it gets to a point where you have to weigh up is it actually worth gambling on paying big premiums only to be rejected by the exclusions. I have some non serious pre existing conditions that I was asked to pay an extra 75% loading on my premium. I read the small print and even though I was being asked to pay extra for them, I was not being covered for them. Also I was not covered for anything that can be associated with my pre existing conditions. Well, I’m pretty sure anything ‘could’ be linked by an insurance company not wanting to pay out.
Too long to go into fully but In addition, when I challenged the Thai insurers underwriting by providing written confirmation from my UK consultant of how minor my conditions were, they just fed me B.S. why the premium was so high. UK insurers additional premium for the exact same conditions was the equivalent of 500 bht extra.
Reply to
Nick *******
Reply
Nigel ********
Has anyone tried asking ChatGPT or something similar to read, summarise, and compare policies? It doesn't beat professional advice but will give you a resume of the main points and ease your choice!
Jordee ******
ORIGINAL POSTERThe email I have considered asking.
Subject: Inquiry about Health Insurance Options in Thailand
Hello [Recipient's Name],
I hope this email finds you well.
Short Introduction:
My name is Jordee, and I am a 48-year-old expat who has been living in Thailand for the past 8 years with a Thai family and children. I don't have a physically risky profession; I buy and sell various items.
Straight to the Point:
I am looking for a health insurance plan. I do not have any pre-existing conditions but would like to ensure I am covered for general medical needs, hospital stays, medications, and emergencies.
Some specific needs I have include:
Coverage for general medical consultations and specialist visits
Hospitalization coverage, including surgeries and emergency care
Coverage for prescription medications
Emergency medical coverage, especially for accidents
Preventative care (e.g., blood tests, cholesterol checks, etc.)
Options for international coverage, as I may travel abroad
Information about coverage regarding deductibles, reimbursement, and medical network options
A clear understanding of the pricing structure and any exclusions
I have previously had long-term travel medical insurance in Thailand.
Could you kindly provide more details about the available plans and the best options for my situation?
Questions Regarding Policy Search:
1. Is there an age limit?
2. Does it cover annual medical check-ups?
I look forward to your response and a potential consultation.
Note: (If you are a broker)
If you have any questions before searching for providers, feel free to ask, and I will reply as soon as possible.
Best regards,
Jordee
Subject: Inquiry about Health Insurance Options in Thailand
Hello [Recipient's Name],
I hope this email finds you well.
Short Introduction:
My name is Jordee, and I am a 48-year-old expat who has been living in Thailand for the past 8 years with a Thai family and children. I don't have a physically risky profession; I buy and sell various items.
Straight to the Point:
I am looking for a health insurance plan. I do not have any pre-existing conditions but would like to ensure I am covered for general medical needs, hospital stays, medications, and emergencies.
Some specific needs I have include:
Coverage for general medical consultations and specialist visits
Hospitalization coverage, including surgeries and emergency care
Coverage for prescription medications
Emergency medical coverage, especially for accidents
Preventative care (e.g., blood tests, cholesterol checks, etc.)
Options for international coverage, as I may travel abroad
Information about coverage regarding deductibles, reimbursement, and medical network options
A clear understanding of the pricing structure and any exclusions
I have previously had long-term travel medical insurance in Thailand.
Could you kindly provide more details about the available plans and the best options for my situation?
Questions Regarding Policy Search:
1. Is there an age limit?
2. Does it cover annual medical check-ups?
I look forward to your response and a potential consultation.
Note: (If you are a broker)
If you have any questions before searching for providers, feel free to ask, and I will reply as soon as possible.
Best regards,
Jordee
Jordee ******
ORIGINAL POSTERI’m going to publish my email so you know what I think I should get, or what my own interest is. Feel free to comment on what you think or if I should add anything else when it comes to purchasing health insurance.
Jordee ******
ORIGINAL POSTER@Nigel *******
The response from ChatGPT to your comment:Chatgpt says:
Yes, although I try to be as precise as possible, there is always the possibility that I might miss some detail, especially if the text is very lengthy or complex. That’s why it’s important that, in the end, you also review the full policy to ensure everything is clear and covered.
So, You know, it's up to you to read it to be completely sure of what you're buying.
Reply to
Jordee ******
Reply
Rod *********
If your young fit and healthy insurance is no problem but if your old with pre existing ailments forget about it .Speaking from experience. Insurance companies will take your premium and you think your covered but make a claim and the goal posts are moved. Insurance companies love to take your money but dont love to pay out. READ ALL THE POLICY FINE PRINT. They dont print it it small and with so many pages for nothing because they know you will not read it and say sign here.
David ******
@Rod ********
so trueJordee ******
ORIGINAL POSTER@David *****
Ssme for you.Incorrect, it happens in all countries.
It is known as "misleading fine print" or "unfair terms." It can also refer to "bait-and-switch tactics" if it involves deceiving customers with an initially favorable offer that later changes with hidden conditions.
Reply to
Jordee ******
Reply
Jordee ******
ORIGINAL POSTER@Rod ********
Am "Young " 48. Looking good. Reading everything will be really tough. However, I can also tell you that there is a law that prohibits using a font size smaller than the legal minimum, and if they do, it can be challenged in court.
Most regulations tend to require a font size of at least 10 points for contracts and legal documents.
Some countries may even require a larger size, such as 12 points, to ensure the text is legible.
Points (pt) like 10 or 12 points in insurance and banking contracts.
But that's another story.
Rod *********
this is Thailand and they do what they please. Never think its the same as in the Western world
Jordee ******
ORIGINAL POSTER@Rod ********
Incorrect, it happens in all countries.It is known as "misleading fine print" or "unfair terms." It can also refer to "bait-and-switch tactics" if it involves deceiving customers with an initially favorable offer that later changes with hidden conditions.
Rod *********
@Jordee *****
there is so much fine print to read and nothing is wrong with it nobody reads it completely and thats where the problem can be.What the sales person tells is not in many cases what your signing for. Its the same as you pay for something you are agreeing to terms and conditions by that supplier. Ignore these things and your leaving yourself wide open.Reply to
Rod *********
Reply
Julane *******
When we compared policies independently and through a recommended broker, we found prices quite similar. We then compared indepth what each insurance policy covered.
Some considerations are:
1. Coverage internationally? If you intend to travel? Or move to another country in the future?
2. Scrutinize the coverage limits...annual or lifetime of policy limits.
3. Is their an age cap? (If you intend to remain with them in your old age? Ours is up to 99 yrs. The importance of choosing a reputable company is that anything that happens along the policy will not be excluded later. If you change companies, pre-existing conditions will be excluded.)
4. Choice of hospitals/specialists
5. Coverage allowance for annual healthchecks? (Most don't pay, but ours Cigna Global does.)
6. Preexisting conditions. For example, spinal surgery for herniated disc most policies excluded entire spine, but a few didn't excluded neck. And ours will reconsider exclusion after 5 years from surgery.
These are just a few factors we considered when comparing. We are around your age when we chose our provider. We also spoke to friends in Asia about their policies.
Some considerations are:
1. Coverage internationally? If you intend to travel? Or move to another country in the future?
2. Scrutinize the coverage limits...annual or lifetime of policy limits.
3. Is their an age cap? (If you intend to remain with them in your old age? Ours is up to 99 yrs. The importance of choosing a reputable company is that anything that happens along the policy will not be excluded later. If you change companies, pre-existing conditions will be excluded.)
4. Choice of hospitals/specialists
5. Coverage allowance for annual healthchecks? (Most don't pay, but ours Cigna Global does.)
6. Preexisting conditions. For example, spinal surgery for herniated disc most policies excluded entire spine, but a few didn't excluded neck. And ours will reconsider exclusion after 5 years from surgery.
These are just a few factors we considered when comparing. We are around your age when we chose our provider. We also spoke to friends in Asia about their policies.
Jordee ******
ORIGINAL POSTER@Julane ******
Cigma email,.plsJordee ******
ORIGINAL POSTERIn case no 6 months -1 years Visa Visa
Can use these instead
1. Work permit
2. Marriage certificate
Can use these instead
1. Work permit
2. Marriage certificate
Jordee ******
ORIGINAL POSTERIn case anyone is interested.
Plans in Thailand.
Health and accident plans:
Plan 1-2:
Requires:
Passport
6 months to 1 year visa
Full coverage for accidents
Requires more conditions and documentation due to broader benefits.
Plan 3-4:
Requires:
Only passport
Offers different and more limited benefits compared to Plans 1-2.
All plans:
Offer monthly payment options.
Summary of why and how:
Why:
Plans 1-2 have more requirements (6 months to 1 year visa) because they offer more complete coverage, including accidents. This means the insurer needs to verify that the applicant has more stable residency and a long-term commitment to the country.
Plans 3-4 are more basic, so they only require the passport and are easier to access, but with fewer coverage or benefits.
How:
Depending on the amount of coverage and benefits you need, you can opt for a more complete plan or a more basic one. If you prefer full coverage with all benefits, Plans 1-2 would be the most suitable, but if you only need basic coverage, Plans 3-4 might be enough.
What I have found out: it means that the health and accident plans they offer are quite similar in coverage to other companies in Thailand. However, some differentiate in two aspects:
Monthly payment with no additional charges: They offer the option of monthly payments with no extra fees.
Health concierge department: They have a department that helps policyholders compare medical treatment costs and assist in choosing hospitals, which can be helpful if you need medical care and want to compare prices.
This seems to be an added value that these companies provide compared to others.
Plans in Thailand.
Health and accident plans:
Plan 1-2:
Requires:
Passport
6 months to 1 year visa
Full coverage for accidents
Requires more conditions and documentation due to broader benefits.
Plan 3-4:
Requires:
Only passport
Offers different and more limited benefits compared to Plans 1-2.
All plans:
Offer monthly payment options.
Summary of why and how:
Why:
Plans 1-2 have more requirements (6 months to 1 year visa) because they offer more complete coverage, including accidents. This means the insurer needs to verify that the applicant has more stable residency and a long-term commitment to the country.
Plans 3-4 are more basic, so they only require the passport and are easier to access, but with fewer coverage or benefits.
How:
Depending on the amount of coverage and benefits you need, you can opt for a more complete plan or a more basic one. If you prefer full coverage with all benefits, Plans 1-2 would be the most suitable, but if you only need basic coverage, Plans 3-4 might be enough.
What I have found out: it means that the health and accident plans they offer are quite similar in coverage to other companies in Thailand. However, some differentiate in two aspects:
Monthly payment with no additional charges: They offer the option of monthly payments with no extra fees.
Health concierge department: They have a department that helps policyholders compare medical treatment costs and assist in choosing hospitals, which can be helpful if you need medical care and want to compare prices.
This seems to be an added value that these companies provide compared to others.
Jordee ******
ORIGINAL POSTER@Julane ******
Living 8 years here.I haven't been to the West since then.
I consider that I could only take out Thai national insurance.
In my country, there are good social medical services.
Julane *******
@Jordee *****
We frequently travel all across Asia and probably will relocate elsewhere after 5-10 years. For us, portability of a policy is very important. Not everyone needs that. Plus it includes scuba diving, skiing, etc. Some polices don't include these activities.Jordee ******
ORIGINAL POSTER@Julane ******
I understand, although I am a different type of person, I live in Thailand permanently, I have my family and my wife here. In other words, why pay more?Reply to
Jordee ******
Reply
Jordee ******
ORIGINAL POSTER@Julane ******
You've touched on a couple of very important points that I hadn't considered. I'm going to include them in my email for a mass send to the list of brokers you have recommended.I will send my inquiry email to Cigna Global.
Thanks, Julane.
Points
1. Is there an age limit?
2. Does it cover annual medical check-ups?
Thanks
Julane
Jeff *******
@Jordee *****
Most insurers will have age limits but there is the odd one that will insure up 99 years old BUT unless they contractually agree to a set percentage rise each year, once you get old they can simply ramp up your premium to an insane level to get rid of you. Point 2 - I've never heard of an annual medical being covered, apart from the initial medical which is their interest. Also do you really want them to get an update every year on you which could whack up your premiums? Best to get it done seperately and privately in my opinion.Jordee ******
ORIGINAL POSTER@Jeff ******
Some policies offer benefits or discounts for maintaining good health.I am going to add this valuable question to my mass email to try to find out what insurers have to say about this nuance.
Jeff *******
@Jordee *****
Yes they do, I've seen this in the UK, even subsidising gym memberships, but never seen this in Thailand.Jordee ******
ORIGINAL POSTER@Jeff ******
Not in thailand..okJordee ******
ORIGINAL POSTER@Jeff ******
If the insurance includes the annual check-up, but you fear it could affect the premium, there are some factors to consider:✅ Advantages of doing it through insurance:
You don’t pay extra for check-ups if they are already covered.
Health issues can be detected early and monitored.
Some policies offer benefits or discounts for maintaining good health.
❌ Possible disadvantages:
If the results show a problem, the insurer could increase the premium or impose coverage restrictions in the future.
Depending on the contract, they might use the information to modify insurance conditions.
If the insurance covers it without affecting the premium, taking advantage of it makes sense. But if there is a risk they might use the information against you, doing it privately could be safer in the long run. Have you reviewed your policy’s terms regarding this?
Julane *******
@Jeff ******
Our friends are 78 and 80 and on the same policy that we have. They've had their policies for over a decade. Yes, premiums have gone up for them. But They've added higher deductible. The policy covers us up to 99 yrs.They've been healthy throughout too. But now dealing with cancer and were given tests and treatment at one of the best cancer hospitals in Bamgkok...all covered. They even were approved for some alternative treatment using autoimmunue methods.
We get annual screening allowances for skin check, general blood work, pap/mammogram, prostrate, and a few other ones. Up to $325usd per test category.
Reply to
Julane *******
Reply
Kool *******
I get all my insurance, even my health insurance, and accident insurance, through my bank, Bangkok Bank. I trust them, and have never had a problem with it paying
Jordee ******
ORIGINAL POSTER@Kool ******
It's certainly an option I hadn't considered to check with mine. Kasikorn Bank.Thanks, Kool
Reply to
Jordee ******
Reply
Rachel *******
It's different depending on the individual and their circumstances.
Speak with
Has access to all providers, so can compare all and find you the best cover and prices rather than comparing just one or two.
Totally free consultation
Speak with
@Peter ******
fully qualified financial advisor dealing with health insurance in Thailand.Has access to all providers, so can compare all and find you the best cover and prices rather than comparing just one or two.
Totally free consultation
Jordee ******
ORIGINAL POSTER@Rachel ******
Thank you, Rachel. I Will do.Rachel *******
@Jordee *****
of course *************************
Jordee ******
ORIGINAL POSTER@Rachel ******
Noted.Reply to
Jordee ******
Reply
Jordee ******
ORIGINAL POSTER"Hello,
Thank you for reaching out. I am interested in learning more about health insurance options in Thailand and would prefer to communicate via email for more detailed information. Could you please provide Peter Wands' (husband) email address so I can contact him directly?"
Thank you for reaching out. I am interested in learning more about health insurance options in Thailand and would prefer to communicate via email for more detailed information. Could you please provide Peter Wands' (husband) email address so I can contact him directly?"
Reply to
Jordee ******
Reply
Peter *******
I personally recommend this Broker who helped me though the minefield that is Medical Insurance and was very happy with them including all the claims I made
****************************************
Jordee ******
ORIGINAL POSTER@Peter ******
I have sent them a request. Although there is no option to choose an office in Bangkok.Peter *******
Do check with them as I thought there was an office - even though you do not need to visit them as everything is arranged via the interent these days
Jordee ******
ORIGINAL POSTER@Peter ******
It's fine, I was just commenting on the fact.Peter *******
Hope it works out ok for you
Reply to
Peter *******
Reply
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