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What health insurance options are available for expats in Thailand?
Health InsuranceExpats in ThailandThailand Insurance ProvidersInsurance RecommendationsPre-existing Conditions CoverageAge-related InsurancePacific CrossLumaAXAGenkiSafetyWingWRLifeIndependent Financial Advisors
Jul 29, 2024
2 years ago
Anthony ************
ORIGINAL POSTERHello everybody,
What kind of health insurance do you use as expats ?
Any recommandation ?
What kind of health insurance do you use as expats ?
Any recommandation ?
TLDR : Answer Summary
The discussion highlights various health insurance options used by expats in Thailand, emphasizing personal experiences and recommendations for different insurance providers including Luma, Pacific Cross, AXA, and Genki. Many users express their insurance needs based on age, health conditions, and financial strategies, while a few suggest self-insurance methods to save costs. Concerns regarding coverage for pre-existing conditions and high premiums for older individuals are also noted, along with calls for independent financial advisors to provide personalized guidance.
Pelle Erikssonā
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Absolutely Bangkok's best service I highly...recently on Facebook
Luca G.ā
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I used this agency for my DTV Visa...recently on Google
Trusted Thai Visa Agent
OVER 100,000 EXPATS SERVED
#1 VISA AGENT IN THAILAND
Andrew *********
Lite touch paper then retire to a safe distance .....
Steve **********
I'm 71 and in good health. I'm finding Thai health insurance prohibitively expensive. I'm not rich, but not broke either and $500+ USD per month is more than I can spend, if a company will even insure me.
Galenus ******
@Steve *********
WRLife will cover you for less than 300 probablyGalenus ******
Peter **********
@Steve *********
Get some decent personal accident insurance while you can.Steve **********
@Peter *********
I'm riding on Motorbike taxis. I can see where accident insurance could be a good thing.Reply to
Steve **********
Reply
Galenus ******
@Steve *********
WRLife wouldn't you charge more than 300Steve **********
@Galenus *****
I can see I need to do some more researchReply to
Steve **********
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Greg *********
I don't use any health insurance, pay out of pocket. I have 2 major problems that are pre-existing and wouldn't be covered.Whats the purpose then
Robert ************
@Greg ********
me too many pre conditionsDarcy *******
yes, i have had the same problem, i got denied from a few companies because of diabetes and heart disease, but i take good meds for that, but they don't care, as you say what's the purpose then, if that other replier knows a company that covers preconditions would be nice to know who he is referring to, cheers
Galenus ******
@Darcy ******
go for WRLife. They will cover even preconditionsReply to
Galenus ******
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Galenus ******
@Greg ********
preconditions are covered!Reply to
Galenus ******
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Rachel *******
Speak with
Has access to 100's of providers, so can find you the best cover and prices rather than comparing just 1 or 2.
Totally free consultation
@Peter ******
fully qualified financial advisor dealing with health insurance.Has access to 100's of providers, so can find you the best cover and prices rather than comparing just 1 or 2.
Totally free consultation
Galenus ******
@Rachel ******
of course he will get no commissionšPeter *******
@Galenus *****
Hi there - feel free to get in touch if you need more info on how we work. Thanks for your comment anyway. šReply to
Peter *******
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Nick ***********
Jeffrey **********
cash
Peter *******
Better to ask for claim denied stories
Jeff *******
@Peter ******
But without the details whats the point - I would put money on the vast majority of rejected claims is because people tried to hide previous conditions to get a cheaper premium and got caught outReply to
Jeff *******
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David ********
Where are you from?
Rose ******
following
Peter **********
I donāt spend a single penny on health insurance. That saves me approx 100k per year until I reach 70. From then on I save 140k per year. Put that in a proper savings account and in the end you can live off your savings.
Now surely some will come up with horror stories about spending millions on healthcare, but no insurance company will tell you about how many of the insured are involved. (In percentages)
Fact is that insurance companies make profit, so the surplus of what you have paid is enough to pay for their expensive offices, let their middle men make profit, pay wages and salaries to their employees and in the end keep their shareholders happy.
Now I ask: What are the odds you will ever claim more than you have paid?
Now surely some will come up with horror stories about spending millions on healthcare, but no insurance company will tell you about how many of the insured are involved. (In percentages)
Fact is that insurance companies make profit, so the surplus of what you have paid is enough to pay for their expensive offices, let their middle men make profit, pay wages and salaries to their employees and in the end keep their shareholders happy.
Now I ask: What are the odds you will ever claim more than you have paid?
Tore *********
@Peter *********
cancerPeter **********
@Tore ********
I quote from my comment:āSurely you can come up with three or five or ten horror stories of people landing in the ditch after getting some disease. But how many are that really? What are the odds? Ten people out of 20 is a big risk. Ten people out of 80 million is futile.ā
Tore *********
@Peter *********
having health insurance for me is a insurance to protect my wealth. I only have inpatient though to cover the most serious stuff. More than one or two cases. I know so many families that experience cancer, heart disease etc. Pretty much everyone I know has someone close with serious illness. And I personally endured spinal surgery.
Above 40 its madness to not have any sort of inpatient coverage .
Peter **********
@Tore ********
āAbove 40 you consider it madness to not have any sort of inpatient coverageā.You donāt have a clue whether your opinion is right or not. Maybe youāre right, or maybe you just have the wrong friends with too many bad habits who are all on some mind altering stuff because they donāt like their jobs in the coal minesā.
āI know manyā is statistical nonsense. I know a lot of people who won the lottery, so not spending your income on lotteries is madness?
I sincerely wish you good fortune and health and I hope you will die wealthy.
For myself, I couldnāt care less about my bank balance when I die. Cheers.
Reply to
Peter **********
Reply
Anthony ************
ORIGINAL POSTER@Peter *********
that's the whole principle of insurance ? You pay a few to avoid being left in a ditch when the big injury comes.Peter **********
@Anthony ***********
I get that. Do you play in the lottery? Did you ever consider having an insurance for the financial consequencies of having triplets? Did you put enough money under your bed to cover your ass in case the banks go broke?What are the chances you will ever land in the ditch? Now, offset that against the cost of insurance and then make a non-emotional, well-informed decision.
All those emotional what-if discussions donāt mean anything to me. Surely you can come up with three or five or ten horror stories of people landing in the ditch after getting some disease. But how many are that really? What are the odds? Ten people out of 20 is a big risk. Ten people out of 80 million is futile.
I know someone who walked outside and suddenly was hit by a hailstone. Does that mean you constantly need to look up when walking outside? Youāll soon need medical treatment for your neck.
If you want to, then please do not let my opinion stop you. Just like if I donāt want, I wonāt let your opinion stop me. Itās a free world (in a lot of places, that is). š
Reply to
Peter **********
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Tony **********
@Peter *********
unfortunately most don't have the discipline to do at a young enough age to be able to cover costs of a catastrophic illness or injury (including medication).Peter **********
@Tony *********
ā¦ but then again itās fortunate that most donāt ever get a catastrophic illness or injury.Reply to
Peter **********
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Pascal ********
@Peter *********
ik doe hetzelfde šš».Reply to
Pascal ********
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Max **********
Check your credit card rewards sometimes travel insurance is included in your travel.
Pascal ********
@Max *********
nobody ask about travel insurance.Detlef ***********
@Pascal *******
maybe so , however if you would not " jump the gun " with your comment & fact check , you will find under certain circumstances this is a good option if you are a reasonably frequent transitor !!!!!Max **********
@Pascal *******
š¤Ŗš¢Reply to
Max **********
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Farhad ****
I'm using AIA and perfect service.
I got an investment plan with a fixed premium, which saved me three times in the last year.
I highly recommend
Keep in mind get the insurance from a proper agent so you will get some support if you need to go to hospital or any other cases.
I got an investment plan with a fixed premium, which saved me three times in the last year.
I highly recommend
@Mutchimavadee ****************
@Insurance ********************
She is a licensed financial advisor, insurance agent and investment consultant. Keep in mind get the insurance from a proper agent so you will get some support if you need to go to hospital or any other cases.
Ian ********
Have a look on Checkdi (Was Mr Prakan)for all your Thailand insurance requirements
You can compare policies and prices in it from the leading providers
I took out a Pacific Cross policy through them, very easy
You can compare policies and prices in it from the leading providers
I took out a Pacific Cross policy through them, very easy
*****************************
Jamie ***********
I recommend
@Mike *********
Marty *********
My strategy is to have a high deductible. Self insure for routine health care. Keep the insurance for a catastrophic health event. I have a 40,000 baht deductible and, in 7+ years, have never had a medical bill greater than 20,000 baht, usually much lower.
If you are asking about short term travers health insurance then I donāt know.
If you are asking about short term travers health insurance then I donāt know.
Tony **********
@Marty ********
which company are you with? Will they insure over 70?Marty *********
@Tony *********
Pacific Cross. 70? Possibly but obviously the rates go up the older you are. Pre-existing conditions will be excluded.Reply to
Marty *********
Reply
Peter **********
@Marty ********
So you wasted approximately 700.000 baht and advertise that on FB as a smart decision.Hmmā¦ Ok.
Marty *********
@Peter *********
Ah . . . I see. You donāt believe in insurance. Thatās up to you.Reply to
Marty *********
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Anthony ************
ORIGINAL POSTER@Marty ********
thats my way to deal as well, thnaksReply to
Anthony ************
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Galenus ******
WRLife: affordable, no age limits, accept preconditions šš
Pietro *******
@Galenus *****
worst everGalenus ******
@Pietro ******
why???š³Pietro *******
@Galenus *****
they didn't pay after they let me accept in, very long story, and I found out I'm not the only one, avoid themGalenus ******
@Pietro ******
I heard some rumours but also about smooth and easy payments. They have indeed a long list of exceptions. However, after 5 years the cover is as a newborn. Meaning no preconditions. I agree these could be obstacles.Pietro *******
@Galenus *****
a long and not clear list of exemption... I would not recommend it all... anyway your money, your businessGalenus ******
@Pietro ******
šReply to
Galenus ******
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Connie ************
***********************
š¦John **********
@Connie ***********
safetywing has really really bad reviewsReply to
John **********
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CjandBrigitte **********
We are with Pacific Cross. Used it twice and no complaints.
John ********
@CjandBrigitte *********
Screenshot 65 cut off age?CjandBrigitte **********
@John *******
Yes as far as we know.Tony **********
@John *******
yes, not uncommonReply to
Tony **********
Reply
Cel *******
@CjandBrigitte *********
I recently signed up with pacific cross too. Glad to hear u have no complaints from ur experience. The sign up process was smooth ā just doing everything from online.
They have direct billing with almost all private hospitals in Chiangmai.
CjandBrigitte **********
@Cel ******
Correct. The approved hospitals claim back directly from Pacific cross, easy and hassle free.Reply to
CjandBrigitte **********
Reply
Myles *******
Depending on what u need/age etc take a look at Genki. Wont work for everyone but does for me! ā¬60 odd a month and can cancel at anytime and covers pretty much the same as the big boys. I have a referral code should you need
Neil *********
I can help if anyone wants it. Iām an independent uk financial adviser who lives and works here not tied to anyone. So many different insurers available with so many options. All I would say is donāt go with a tied broker who will only sell/advise on their own, every client is different
Grzegorz ***********
I have Luma Hi5. Haven't had to use it, but they have direct billing with major hospitals so don't expect issues. Might switch to AXA next year, went with Luma only because it has coverage in SEA, but since I am mostly staying in Thailand, AXA has a better quote for that for me (and for travels can supplement with travel insurance).
Heath ***********
@Grzegorz **********
if you leave Thailand at all AXA not pay. Mostly staying in Thailand ?Grzegorz ***********
@Heath **********
I think only Axa Sawasdee had this clause, no? Axa SmartCare is a regular insurance for locals, and you need to stay in country for at least half a year.Could be wrong, was not reading too much in terms and conditions of AXA.
Heath ***********
@Grzegorz **********
study it hard. This is how they weasel out of payment. I don't know about 2 different ones ? I will never buy Axa again myself.Grzegorz ***********
@Heath **********
AXA Sawasdee is more of a travel insurance, itās marketed as single entry on main page. Sorry you had bad experience though.Reply to
Grzegorz ***********
Reply
Sue **********
@Grzegorz **********
I habe AXA Thailand as well. Never had any issues with them, very helpful and no prepayment wenn in hospital, just showing member card and all is good.Scott **********************
@Grzegorz **********
contact all about insurance by @Napawadee *************
She will be able to help youAnthony ************
ORIGINAL POSTERI am leaning forward to AXA as well, considering AIA as well
Reply to
Anthony ************
Reply
Jim ************
@Tabby **************
consummate professional!Anthony ************
ORIGINAL POSTER@Tabby **************
PM :)Reply to
Anthony ************
Reply
Avigail *******
Following
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Avigail *******
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