What are the insurance requirements for a Non-O visa for retirement in Thailand, especially regarding costs for health insurance?

@John *********

1 million baht is not much, are you sure is not 1 million US Dollars ? That would make sense

@John *********

I believe that is a health rider on a life insurance policy, I don't believe AIA sells health insurance as most people understand it. My last policy here was with CIGNA Thailand which cost about 130k for the year. The deductible was 600k plus co-pay on the next 1 mill plus only half my body was covered due to pre-existing conditions. When Chubb took over CIGNA Thailand, Chubb declined to renew my policy, which saved me the trouble of not renewing it.

@John *********

the problem I encountered with Cigna was that they tripled my premiums despite no claims because I dared to have a birthday. They said I reached a 'higher risk pool'. People assume rates may go up by inflation plus a bit. Be warned folks! ( now I pay as I go, which can need deep pockets)

@John *********

that sounds like a rational price

One could go self insured when "younger" and in general good health assuming one can afford to cover a broken leg or short hospital stay if it happens. It's person choice and I've done this in KL in my 40s where health costs private are Thai levels or below and most private Drs UK or Oz trained In ones 50s or 60s this may be more of a gamble as the possibility of a more serious or longer term issue obviously increases, I'm now considering insurance for peace of mind and assume that many would even if they could "self insure" in theory as they get to 50+ or 60+ - a personal choice and risk clearly

John Wenman thank you ! Its a risk !

Paul Bengtsson the best way. Screw throwing away money to some conartists that will do anything to not pay out.

John Kenealy Very good advice and pointers. Thank you John. I'm on the cusp of the right age for many visas, although will need to and want to continue working I expect on non Thai work as I have my own international micro business focusing on Singapore and to an extent London, I have lived in KL for 10 yrs but now moving to Thailand with my gf who is half Thai and we lived together in KL where she worked as an expat for CISCO. I may go for the DTV or more likely the SMART visa if I can get it, but any considering the retirement visa. She will not need a visa, which helps. But I will need health insurance and have looked at Cigna, although have been a bit put off by their quotations that seem double many others in cost. I not sure what to go for and it is hard in terms of comparing "apples with apples" and all and any tips are useful. Money can be tight at times as my cashflow is very tight at times, although I may be able to access a modest but sufficient pension soon early if I take less and this would get me to the THB65,000 a month although I would struggle with the THB800K deposit unless this can somehow be avoided with the income from the pension etc. All best wishes to you John and everyone with their lives in Thailand and elsewhere. Patrick

Young but foreigners keep economy going, much more revenue for the government than cost of hospital bills, so Thai government should pay unpaid medical bills !!

Jim McGowan I had 800 K in my bank for the non O retirement extension and I had a motorcycle accident, i used about 150K to pay my hospital bills and then immigration refused my extension because funds dipped belie 800K.

If your problem is NOT life threatening then do what many people are doing now and that is take a 10.000K flight to india and get your surgery there in a high quality hospital for dramatically less.

Thailand used the be competitive but now with the two tiered pricing structure its not anymore.

Mike Orbon I broke my left arm when falling, quite complicated, cost around 1 million baht in Bangkok Pattaya Hospital, but insurance cover all

We got most of it back from AIA. The policy was $1500 US.

Allan Rawai and get ripped off by them. I've just Paid Thb1390.00 for Antibiotics that cost Thb 490 at Pharmacy.