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What health insurance options are available for a 77-year-old moving to Thailand?
Oct 7, 2025
7 months ago
Wayne *****
ORIGINAL POSTERNEED Health Insurance advice. Moving permanently to Thailand June, 2026. 77 years old. Have Thai wife. CIGNA wants MINIMUM OF $$$$$$1,200/MO! HELP
TLDR : Answer Summary
A user, moving permanently to Thailand at age 77, seeks advice on health insurance after receiving a quote of $1,200/month from CIGNA. Comments indicate that options for health insurance are limited at this age, with high premiums due to perceived risk. Some suggest self-insurance as a cost-effective alternative, citing experiences of paying out-of-pocket for medical expenses. It's noted that obtaining insurance is significantly easier before age 65, and recommendations for insurance providers like WrLife are mentioned.
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Mark ********
@Corey *************
I’ve had WRlife for five years and made two claims with them. Just make sure you disclose all pre-existing conditions. I pay about 65,000 a year for 7 million baht coverage. I’m 70.Danny *******
@Mark *******
Yea, preexisting is anything medical you EVER had since your were born! Ask me how I know.Tony *******
@Mark *******
do they cover the pre existing conditions? Thanks.Reply to
Tony *******
Reply
Heikki **********
@Corey *************
well, you are sooo missinformed, check it, call or chat what ever and find outReply to
Heikki **********
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Michael ********
Starting late is difficult
Wayne ********
A friend in his late 70s was admitted to Patong Hospital twice in the last 5 years, no health insurance, just paid the bill each time totaling 60,000 baht. Relatively cheap compared with monthly premiums. But, you should always think of the worst case scenario at your age. 🤷♂️
Gerg **********
Unfortunately, at your age you’ll be lucky to get insured, and if you do, it’s going to cost you. The time to get it is before you turn 65 for it to be affordable.
Philip *******
Non o visa insurance not compulsory
Nic ***********
@Philip ******
what about married visa ?Philip *******
@Nic **********
look it up on Thai website as Im not sureReply to
Philip *******
Reply
Pete *******
Very lucky to get any quote once above 75 years of age.
Ant ***********
Sadly You are probably better off self insure / pay as you go
Neil ********
Sorry to say but you’re a bad risk at that age, hence the high premiums.
Michael *******
😩
Tore ********
Oh…. 77 years, I am sorry to say that then I think you don’t have so many options…..
Bruce ********
@Tore *******
bank 2000 bauht a weekTore ********
@Heikki *********
I am sorry but as far as I know WRLife is not a insurance company….. everyone who accept a insurance is a shareholder in the company…….. and I feel that this is something different ?Sylvia ********
@Tore *******
my friend had made claims and got paid. They are one of the few who cater for your ageHeikki **********
@Tore *******
i have had their health insurance past 4 years, so…Reply to
Heikki **********
Reply
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