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

May 1, 2025
3 days ago
Fre **************
ORIGINAL POSTER
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.
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TLDR : Answer Summary
The discussion revolves around finding health insurance in Thailand that covers pre-existing conditions, which is a challenge as many companies exclude such coverage. Users share experiences and tips, suggesting higher costs and the possibility of self-insuring or managing medical expenses out of pocket. A recommendation was made for Pacific Cross Insurance, which offers a product that partially covers pre-existing conditions after a waiting period.
Russell *******
Pacific cross has a new product that covers almost all pre existing up to a limited amount after two years.
Tony **********
Suggest you bank money every month and pay regular medical expenditures out of pocket. For major expense, self insure.
Fre **************
ORIGINAL POSTER
Yes, apparently it will be the only solution!

Thanks for the answer!
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
Fre **************
ORIGINAL POSTER
I already have an O-visa through marriage!

Thanks for your response!
Fre **************
ORIGINAL POSTER
Brandon ************
You won't find a Thai insurance company that will cover pre-existing conditions
Fre **************
ORIGINAL POSTER
I thought so!

Thanks for your response!
Fre **************
ORIGINAL POSTER
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