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What health insurance options are available in Thailand for retirees with pre-existing conditions?
health insurancepre-existing conditionsretirement in Thailandvisaexpat insuranceCignaAllianzPeter WandsPacific Crossinsurance brokers
Mar 7, 2025
a year ago
Glauner *******
ORIGINAL POSTERHello, I want to spend my retirement in Thailand. I will travel to Thailand on a family visa for good and I want to get insurance there but unfortunately I have pre-existing conditions. I have already read a lot about this topic regarding pre-existing conditions but unfortunately I haven't found anything suitable. What kind of health insurance can you recommend that you have had good experiences with and is affordable? Please no answers that are not related to this topic.
TLDR : Answer Summary
The user is seeking affordable health insurance options in Thailand for retirees with pre-existing conditions. While many insurance companies are hesitant to provide coverage due to age and health issues, some users recommend speaking with a financial advisor like Peter Wands who can compare options from various providers. Cigna and Allianz are suggested as global insurers that may offer coverage if pre-existing conditions are considered controlled or resolved. Others mention the challenges of finding suitable coverage, stressing the importance of consulting an insurance expert.
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.
- Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
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Laurie ***************
You won’t find coverage. Just get an Elite visa. No insurance required👌🏻
Vincent **********
c'est pas bon du tout si vous avez des pathologies, j'ai discuté avec un vendeur d'assurance qui parle français a jomtien Pattaya et il m'a dit que les assurances n'accepte pas de rembourser les pathologies et que on peut pas tricher car si vous avez une maladie ils découvriront si vous l'aviez déjà en France ou pas, sinon vous pouvez faire 6 mois Thaïlande, 6 mois France , beaucoup font ça
Steve *********
@Joe *************
his wife does health insuranceBraulio *********
Stay home is an option
Mike *******
have a look at pacific cross.
Charlie *********
Seek a professional insurance agent or broker. Sure they make money from their jobs, but not using one will not lower your premium (you will not pay a higher premium for using one).
Alessandro **********
You can try with a global policy. Big companies such as Allianz or Cigna have policies that can cover you worldwide except US, they can cover life conditions under some circumstances. The only problem is expect to pay not less than USD 5000 a year
Nick ***********
@Peter ******
is the manRachel *******
Speak with
Has access to ALL providers, so can compare all and find you the best cover and prices rather than comparing just one or two.
Totally free consultation
@Peter ******
fully qualified financial advisor dealing with health insurance in Thailand.Has access to ALL providers, so can compare all and find you the best cover and prices rather than comparing just one or two.
Totally free consultation
Kristie *******
I don’t know many insurance companies that will cover you - age and pre existing conditions make it very hard
John **********
What do you mean you haven’t found anything suitable ? Have you already contacted companies or agents ?
Peter *********
Affordable will cost you an arm and a leg mate
Danny *******
@Peter ********
In which case it’s not really “affordable” then is it?Peter **********
@Danny ******
Depends on whether you need arms and legs. 🤣Danny *******
@Peter *********
Good point! 😆Reply to
Danny *******
Reply
Christopher ***********
Cigna Global will take into account whether your pre-existing conditions could be regarded as 'resolved' or 'controlled'. Most other companies will simply exclude them.
Julian *******
None
Reply to
Julian *******
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