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What are the recommendations for affordable health insurance in Thailand for expats?

Health Insurance Insurance Companies Expat Health Insurance Affordable Health Insurance Pacific Cross Health Insurance Tenzing Pacific Services Tabby Fin Infinity AA Insurance WRLife Insurance

Jul 20, 2025

21 hours ago

Tom *********

ORIGINAL POSTER

Hello Group, I’ve had a look through the chats, so apologies if this question has already been asked and covered. I’ve recently moved to Thailand and am looking for health insurance. Can anyone recommend a good and affordable company please ? Thanks

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TLDR : Answer Summary

A user seeking recommendations for affordable health insurance in Thailand received several suggestions from the community. Notable companies mentioned include Pacific Cross, Tenzing Pacific Services, and Tabby Fin Infinity. Members also shared strategies for managing costs, such as having a high deductible and emphasized the journey from different brokers to directly dealing with companies like Pacific Cross, which is popular among retired expats. There were discussions about the varying costs based on personal circumstances.

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Tom *********

ORIGINAL POSTER

Thanks everyone a lot of very helpful info. Much obliged

18 hours ago

Gerg **********

I’ll add that I have Pacific Cross as well. The cost will depend on your age, your health, and any preexisting conditions.

19 hours ago

Henry *********

WRLife have competitive prices. I've been with them for 3 years now.

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19 hours ago

Carsten **********

Many retired expats are with the Pacific Cross. They are having a customer call center where you can sign up. Not really needing an Agency.

19 hours ago

Marty *********

I also have Pacific Cross. My strategy for health insurance in Thailand is to have a large deductible (in my case, 40,000฿). I pay for routine care myself and the insurance is there for something really serious. This keeps the year price down, I’m now getting a 20% no claims discount.

My Pacific Cross policy qualified for my previous OA visa extensions and now for my pensioner LTR.

20 hours ago

John ********

@Marty ********

what cost pa please !

19 hours ago

Marty *********

@John *******

For me the cost is about same as my previous US insurance. Your cost is going to depend on your age, the amount of coverage, the deductible, and possibly your health status. You need to ask the insurance company or broker directly for your personal circumstances.

17 hours ago

Reply to

Marty *********

Pete *******

AA Insurance

20 hours ago

Max *************

I've been with Pacific Cross for years. A very reliable and trustworthy company based in Bangkok.They have always been in the top when it comes to reviews. They have loads of different priceworthy plans. Google them. A piece of advice, don't use a broker.

20 hours ago

Phil ******

@Tom ********

give

@Tabby **************

a call as she's a broker

20 hours ago

Shane ********

Talk to

@Tenzing ******************

highly recommended health insurance broker in Thailand and very helpful

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