Answered9 months ago

What health insurance options are available for expats in Bangkok, and are they worth the cost?

Bangkok Health Insurance Expats in Thailand AIA Insurance Health Care Costs Thailand Immigration Insurance Recommendations

Ann *****

asked Jan 19, 2026

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Please advice on health insurance in BKK elite. Seems like just hospitalisation for a lot of money. Advice?

Answer summary

The query seeks advice on health insurance options for expats in Bangkok, particularly regarding the costs and coverage types of policies such as Bangkok Elite. Commenters share varied perspectives: some find the high cost of hospitalization insurance unjustified and suggest self-insurance by saving money, while others provide positive experiences with specific insurers like AIA and Allianz. There are discussions around the necessity of coverage, with some recommending comprehensive plans that allow customization based on personal health conditions, and others preferring to manage minor health issues out-of-pocket.

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Paul *******

Remember we all die one day!

9 months ago

BronzeNec**********

My husband had two hernia surgeries at Bangkok hospital, private room for 3 days, close to 10k USD all covered by AIA. He pays $1000 USD per yr for insurance. So basically with that one surgery we have 10 years of insurance paid. People think they don’t need insurance and can pay out of pocket when needed but they never know what kind illness they might get, not all illnesses are like heart attacks or quick death…you might be dying for a long time while spending all your savings. 🤦🏻‍♀️

9 months ago

David *******

BronzeNectarine3305 who is your contact at AIA offering $1k/year insurance premiums?

9 months ago

Will ******

Just put the money you wd pay for insurance in high interest account every month, make sure it can be accessed in an emergency

9 months ago

David *******

If 70, little cover and pay the first 300,000b.

Better to keep money in a bank .

I keep 1,000,000b for such.

9 months ago

Paul ********

Its basically a crap shoot ..... you could stay healthy ..... or you could get sick .... personally I don't have any health insurance, that's because I'm not afraid of death 🕶 Choose well!

9 months ago

Jim *******

Minor ailments, I pay in Thai. If something bigger happens, say, diagnosed with diabetes, I fly back to Japan where my health insurance is free. A 5 hours flight. Less than if I have to be transported from, say, Khon Kaen to a Bangkok hospital.

Nothing ever happened.

Wish you all the same health.

9 months ago

Ken *********

Paul Wallis amazing how people believe when they die they go to an eternal paradise, but yet they cling on the life here like it’s the end of all things. will suffer for a whole decade at the discretion of a Quack😅

9 months ago

Ann *****

Paul Wallis I agree.

9 months ago

Jeremy ********

Allianz is really good

9 months ago

Alistair *************

Jeremy Miller as someone new to Thailand, 66 years old, in good health with no resisting conditions what level of cover would you recommend?

9 months ago

Jeremy ********

Alistair John Grant the comprehensive plan is a very good plan

You can omit things you don’t want like outpatient treatment dental etc and if you have any chronic diseases you can omit those as well

The more you omit the more the coverage goes down

9 months ago