What health insurance options are available for expats in Thailand with pre-existing medical conditions?

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Chanya Noot Sena

Your Insurance Planner in Thailand

I was recently conversing via email with a company who told me they would cover my pre-existing condition and after telling them, they sent me a quote which I was happy with and on my return to Thailand (which I am not sure when that will be as I plan to relocate rather than take long breaks there) I will contact them to make an appointment at their office in Bang Saray. They have offices in Hua Hin and Phuket also

I can give you his email address via PM if you like?

I think the most important part of any insurance is being confident they will pay out rather than whether they cover you or not! Obviously they need to cover you for you to tke the policy out but I mean out of those that WILL cover you, its then wise to figure out which ones you trust to come good should the worst happen 🙂

I have nowhealth international and so far a 100% of my claims were paid. Multiple pre existing conditions. They issued me a letter for covid coverage of 3.2 million euros back in the days where 2 weeks ASQ were mandatory. Btw i had stroke, kidney transplant and multiple other things before. Doc said never change this insurance as he is worried that thai companies getting even worse with covering my stuff. At least my illnesses got me a DTV 🙏

@Julien **********

he does my insurance

Cigna undoughtly..U mentioned your British ,cigna is a British company also based in Thailand, to my own opinion ,based only on my own research and knowledge ,Cigna is the best choice ,beeing around for many years in the region allways at the top 3 in costumers reviews ,have an excellent net of hospitals /doctors/and professionals who they work with ,spreads all over the glob ,most times pays or commit to pay directly with the service suplayers,so you don't have to spend money from your own pockets,and gives answer to the things you've wrote your looking for.

Have a chat with

@Jamie ********

at expatcompares.com

AA Insurance Brokers can help you find your best options on health insurance with pre-existing conditions. Reach out to us at and of the insurance specialists will get back to you!

Depending on the pre-existing condition it might be difficult however the best people to talk to would be the expat health insurance brokers at

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

Cigna Global. Probably one of the best expat insurances you can get. Accepts pre existing. And the hospitals love it

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Pacific Cross Expat Care covers pre existing duty a cap and waiting period.

Depends on how long you plan to stay out of your home country. If you're moving abroad semi-permanently/permanently, you'll want comprehensive international health insurance. You'll need the better benefits like cancer treatment and coverage for preexisting conditions as you get older.

You'll need to get on a plan before you get too old. Once you are insured, you can stay insured for life. But if you wait until you're older then you may not get accepted.

I use this company for my comprehensive international health insurance. They are founded by expats and focus on expats. They work with something like 50+ different insurers, so they'll always find you the best value policy with a reputable insurer that fits your budget. I found a UK plan from HCI the best value.

You will not find any insurer that will cover pre existing conditions. Good health insurance is not cheap. Expect to pay £2000 - £5000 per year depending on age.

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I’m with AiA and they have great cover for what you want. They are trusted Thai company

You could try Allianz global. But they are pricey.