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What are the options for health insurance in Thailand that cover pre-existing conditions?

Health Insurance Pre-existing Conditions Thailand Visa NON-O Visa International Health Insurance Insurance Companies in Thailand

Fre **************

Fre **************

OP

asked May 1, 2025

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Hello,

Does anyone have experience with a health insurance that also covers pre-existing illnesses? Most insurance companies do not cover pre-existing illnesses and will refer to pre-existing illnesses in case of claims, even if the claim has nothing to do with it. Furthermore, international health insurance is quite expensive. 

I am married and have an O visa.

Thanks in advance for additional information.

Answer summary

The discussion revolves around finding health insurance in Thailand that covers pre-existing conditions, which is a significant challenge as many insurance companies do not provide this coverage. Participants share experiences, noting the high costs of international health insurance and suggest alternatives like saving money for medical emergencies or opting for self-insurance. One commenter mentioned that Pacific Cross has a product that provides limited coverage for pre-existing conditions after two years.

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Russell *******

Russell *******

Pacific cross has a new product that covers almost all pre existing up to a limited amount after two years.

1

Tony **********

Tony **********

Suggest you bank money every month and pay regular medical expenditures out of pocket. For major expense, self insure.

1

Fre **************

Fre **************

OP

Yes, apparently it will be the only solution!

Thanks for the answer!

1

Peter *********

Peter *********

Good luck with that. I'm same.

Very expensive... go for visa with no insurance.... and just play safe and make sure you have money in bank for emergency

6

Fre **************

Fre **************

OP

I already have an O-visa through marriage!

Thanks for your response!

0

Fre **************

Fre **************

OP

@Peter ********

0

Brandon ************

Brandon ************

You won't find a Thai insurance company that will cover pre-existing conditions

3

Fre **************

Fre **************

OP

I thought so!

Thanks for your response!

0

Fre **************

Fre **************

OP

@Brandon ***********

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