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What health insurance options are available for a 67-year-old with pre-existing conditions applying for a Non-O retirement visa in Thailand?

Thailand Retirement Visa Health Insurance Visa Rules Non-O Visa Pre-existing Conditions Insurance Providers

Sep 6, 2024

2 months ago

David **********

ORIGINAL POSTER

I need a company to give health insurance im 67 some existing health problems need the insurance for retirement visa

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TLDR : Answer Summary

The discussion focuses on health insurance options for a 67-year-old applying for a Non-O retirement visa in Thailand. Most comments indicate that the Non-O visa does not require health insurance, though if applying for an OA visa, insurance is needed. Various users share experiences and advice regarding difficulties in obtaining insurance with pre-existing conditions, suggesting contacting agents or specific providers like WRLife and emphasizing the necessity of a financial cushion to cover potential health expenses.

NON-O RETIREMENT VISA RESOURCES / SERVICES

Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
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Jacob ********

I have zero trust in insurance companies.

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Damien ********

99 % of insurance companies will not pay claims if they blame existing conditions which they always do

Anything related to your heart will be a problem if you need a hospital or surgery

Put a decent amount of cash aside and pay your health bills yourself

At 67 any decent policy will start at 125,000 bhat a year .

Insurance salespeople are only there for commission

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Nick ************

Try this. They are very understanding regarding pec.

Wrlife.net

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David **********

ORIGINAL POSTER

@Nick ***********

thank you

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David **********

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Mark ********

following

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Stephen ********

Buy Thai government health insurance. 30 bath/ month

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David **********

ORIGINAL POSTER

Chris topher very rude comment

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Neil ********

Try your bank ....they may ask for extra but cheaper than going to insurers direct

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Neil ********

O visa in Thailand No insurance easy, OA in your country needs insurance simple

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Chris *********************

Please would be nice

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David **********

ORIGINAL POSTER

@Chris ********************

please

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David **********

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Galenus ******

Try WRLife. Ask for a quotation. They take you even with preconditions. I think around 200 Euro/month.👍👍👍

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Lee **********

that you

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John **********

even USA expat?

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Galenus ******

@John *********

yes

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Galenus ******

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David **********

ORIGINAL POSTER

thank you

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David **********

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Hathaway *************

My health insurance (with pre existing conditions not included) cost me a little over 4k pm, I'm 64 and fully recovered from a stroke 9yrs ago, given that anything remotely connected (vascular, heart, even kidneys) is not included I'm seriously considering seeing the year out and going without, I'll put the premiums in MY own account and have a balance free credit card + my nest egg, many will no doubt say I'm crazy but I have not intention to going back to UK dead or alive.

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David **********

ORIGINAL POSTER

@Hathaway ************

thanks for your help ill do the same

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Hathaway *************

@David *********

please don't take my post as advise David, simply my own conclusion to my own situation, please consider things very carefully. Good luck mate.

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Hathaway *************

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Scott **********************

Give

@Napawadee *************

a call. She speaks excellent English and has heaps of options.

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Greg *********

Most likely you won't get insurance with your age and pre-existing if your getting a retirement visa in Thailand. Have a nest egg available should something come up.

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-Philip *******

@Jennifer ********

spam

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-Philip *******

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David ********

None of them cover ANY pre existing conditions, at any price. My experience with health insurance in Thailand is poor.

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Jim ******

as in most countries. Ridiculously expensive.

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Jim ******

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Pertti *************

You don't need health insurance. Apply visa here Thailand🙏

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David **********

ORIGINAL POSTER

@Pertti ************

I'm getting non o visa Australia but applying for retirement visa in thailand so I don't need health insurance?

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Chris *******

@David *********

you will not be applying for a Visa in Thailand.

Only the extensions of the Non-o you enter on.

no Insurance required.

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David **********

ORIGINAL POSTER

thanks

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David **********

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Pertti *************

@David *********

no need if apply non o retirement here!

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Pertti *************

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Werner ************

Very difficult to get insurance with pre-existing conditions, it will likely be very expensive or not cover the conditions

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Christopher *************

Wrlife

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Christopher *************

@Werner ***********

wrlife

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Christopher *************

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AIA ******************************

i work for AIA, what exactly are the pre existing health conditions ?

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David **********

ORIGINAL POSTER

@AIA *****************************

diabetes and Mia cardiac infarction

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Frangipani *******

@David *********

You don’t need insurance for Non O. Just get the cover you require from your local insurer, much cheaper and will have the same cover.

If you are going for a Non O/A, it’s a different matter…

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James ******

contact that person.

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AIA ******************************

@David *********

That is a complicated situation. its is against the group rules to solicit services. My advice would be to contact an agent as all cases are person specific.

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David **********

ORIGINAL POSTER

@AIA *****************************

just seeking advice as who to contact

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David **********

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Nick ***********

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Ian ********

Non O doesn't require insurance, just proof of funds.

If you are applying in your own country and want an OA then you need the approved insurance

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David **********

ORIGINAL POSTER

I'm getting a non o retirement visa for 3 months then retirement visa to live in thailand

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Graham ******

@David *********

There is no mandatory insurance required for a Non-O so you are free to select whatever suits your needs not one of the prescribed policies as required for a Non-OA

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Chris *******

@David *********

okay so what you are actually saying:

Non-o 90 day visa based on retirement

Then will apply for a 1yr extension of that visa

No insurance required.

A 1yr retirement visa is an OA that requires health insurance but must be obtained outside of Thailand.

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Chris *******

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

What visa are you applying for? Or what extension are you applying for? Most of them don't require insurance.

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

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