Answereda year ago

What are the costs and recommendations for health insurance in Thailand for a Non-O or LTR Retirement Visa holder?

Health Insurance Non-O Visa Long-Term Retirement Visa Expat Insurance Insurance Brokers in Thailand Comprehensive Coverage

Raju ********

asked Oct 17, 2025

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Ref : Health Insurance

As a fit & heathy 55yr old, i will potentially be coming to thailand on a Non-0 or LTR Retirment Visa, my initial research suggests a good comprehensive health insurance policy can be as much as THB 10-20k pm. Is this correct? 

Also can anyone recommend any good policies and/or broker, i'm looking for a comprehensive policy with no nasty exclusions, would prefer higher limits and the best coverage

i have not ruled out Thai Insurers, but would prefer the most extensive types of policy

thanks in advance

Answer summary

The discussion revolves around the costs and recommendations for comprehensive health insurance for a 55-year-old coming to Thailand on a Non-O or Long-Term Retirement Visa. Users mention that a good policy can be between THB 10-20k per month, with alternative suggestions for annual premiums around THB 60-70k. Recommendations include contacting specific brokers like AA Insurance and Robert Jackson, as well as considerations for self-insurance and catastrophic policies. Several contributors advise caution about rising rates over time.

12 repliesnewest first

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Ant ***********

I’m 58

Insured with AXA in Thailand

52K baht annually

Inpatient only

a year ago

Mark ************

Direct Wrlife Global health cover premiums fixed 5 years

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

094 583 4305

a year ago

Mel ******

No matter who you choose, they will likely raise your rates every year even with no claims and will likely raise your rates very fast after you have claims. At some point, you might not be able to afford the insurance payments.

a year ago

Sean *********

I would recommend a catastrophic policy for emergency only. And self-insure for the commonplace

a year ago

Jody ********

@Raju *******

..I heartily recommend reaching out to

@Robert ********

. He has helped me for almost 3 years. Very knowledgeable, honest. He can giude you in the right direction.

a year ago

Phil ******

Yes but why not self insure

@Raju *******

. Oh insurance isn't needed for non-o

a year ago

Raju ********

@Phil *****

, god forbid, in case i need end of life treatement, i.e. cancer treatments, bills could run into millions

a year ago

Phil ******

@Raju *******

even with insurance you get cut off when you use your insured amount. Then hospitals kick you out. There's a higher chance you die on a zebra crossing than by cancer. So contact @ tabby fin Source: Facebook

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

a year ago

Phil ******

@Matthew ********

yeh Advise the OP not me

a year ago

Matthew *********

@Phil *****

cancer treatment is so affordable here even without insurance unless you go to international hospital. I was treated for brain cancer in khon kaen government hospital. Bill less than

*****

0 baht. That is cheaper than most American copy. Treatment was top notch

a year ago