What health insurance options are popular among expats in Thailand and what are the costs?

@Neil *****

You have not got 60 million baht of worldwide cover PLUS outpatient cover for 65k baht. Not in a million years. a 40 year old with AIA with 25m cover, and NO outpatients cover, ONLY for use in Thailand would be paying circa 70k! I've got the table in front of me 😉

@Jeff ******

I'm older than 40 and you must be looking at a chart for a different policy. The outpatient coverage is included in the 60Mthb if it's related to inpatient treatment before or after. General outpatient is 40k per year. The premium was just paid as I renewed last month with an exact payment amount of 65,960 on 20 September.

Are we going to continue this bullshit?

@Neil *****

Right now we're getting somewhere, so the policy you have plus outpatient is actually 105,960 baht which is where I would expect it to be. We got there in the end

@Jeff ******

outpatient is included in my policy. I'm pretty sure there is no option to exclude it. And, again, the premium is actually what I paid for it as represented.

@Neil *****

You've already said yourself, it's included as a FOLLOW UP to an impatient stay. If you go and cut yourself/burn yourself/octopus attack that causes a problem blah blah blah and go to outpatient, it's NOT included. If it was the premium would be 105k! You have got impatient cover plus anything directly related to that, you DO NOT have outpatient cover too for 65k. Still like I said we got there.

@Jeff ******

no that’s not what I said. I said outpatient before and after related to an inpatient stay is included in the 60 million. 40k is all other outpatient. Went to the ENT at Bangkok Hospital last year. Completely outpatient. Nothing impatient. Didn’t pay a single baht. I love how you think you know what my insurance policy is without seeing any documentation so much that you’re telling me what I have. And you’ve been doing it for 3 days.

@Neil *****

and you wanted to end the bullshit! 😄 I don't know what you have but I know what you don't have! You simply stated "AIA. 60 million baht inpatient/outpatient. Worldwide coverage excluding USA. ฿ annually." - which is total bollocks and clearly misleading. You've subsequently starting throwing out other parameters you didn't mention before. So for anyone reading , you're NOT EVER going to get a health insurance policy for impatient and outpatient, with worldwide coverage for 65k baht, not with anyone, not ever.

@Jeff ******

you’ve spent 4 days now trying to discredit me regarding something you don’t know about. If you were nice from the beginning I would have shared the contact for my insurance agent and maybe you could have gotten yourself a better policy. But, frankly, you’re coming off as just another foreigner who doesn’t like when others have things he doesn’t. That’s really pathetic, which is why nobody is going to take your comment as authoritative. I hope you learn to grow the fuck up one of these days. There are always going to be people who have things you deem better than the things you have. It’s part of life. If you don’t get over it, you’re going to have a miserable life until you die. You’re also aware of the defamation laws here, yes? You won’t be hard to find assuming you’re complying with the law and submitting your 90 day reports.

@Neil *****

jesus wept, didn't even get through half of that, but essentially, you gave it the big un, got found out and now are spewing out essays to try and retrieve it! Its weird, you claim you have this world beating policy without any AIA contacts? Was it Tom? or Fin? you see I know them both. Problem for you right? So yes or no - can the readers buy an inpatient and outpatient policy for 65k? It's no right? Just give the readers the details, easy right? 😃 I know what I'm talking about and you clearly don't! You were talking utter shite from the moment you entered the thread and it was my job to head off your misleading bollocks! As for the threats you utter embarrasing tool! PLEASE tell me your toes weren't curled up when you typed that! The bottom line is, I've outed a misleading muppet, and I'm pretty sure the thai legal system doesn't cover muppets, but I'll run that past my thai lawyer wife to confirm. Know when to stop digging Gonzo, your family will thank you for it. You're so far out of your depth.

@Mel *****

The pre-existing is intriguing. When I looked up a policy I was told they wold NOT reach into your home country for previous conditions unless the bill was massive but told it was very rare to do that. When I asked how would they know then, they just said if a condition was presented that couldn't possibly of just happened, the would assume it already existed. The assumed word stopped me buying it as how could you possibly know your heart/liver/brain etc had been on it's last legs for years!

@Mel *****

- the new law 2025 will effect pay more instead you pay less for for proscription drug , because they use 23% 29% share cost apply for high cost medication , this year I do pay my tier 3 medication around $1200’s / year , in 2025 I have to pay 23% share cost of medication and cost me $500more , it’s horrible how the Health insurance make money in USA. only patients use insulin pay $35.00 / month

@Mel *****

there are remedies in both US and TH for dealing with insurance companies wrongfully denying claims.

@Neil *****

source??

@Mel *****

OCPB is the agency in Thailand to complain about the insurance companies. Filing a lawsuit is also a way.

@Neil *****

thx

@Brian *********

thanks - will check it out

@Deano ************

There is no way you can get wordwide medical cover for anything even close to £17 a month. You have travel insurance.

@Deano ************

it does not. Many get caught out with this. Get yourself covered elsewhere

@David ********

You know how forums work right? People comment, it's amazing. You need to calm down or your hearts going to go bang and all those vegetables you've been eating going to waste! 🤣 - what does 'stay pour' mean? Stay calm when typing, you'll make more sense.

@David ********

Sorry, what am I trying to sell you? Tell that to the myriad of uber fit sportsmen who die young. To get this back on the subject, what it boils down to is if buying health insurance won't trouble your finances, its pretty stupid not to buy it, however if you can't afford the admittedly high premiums, then insure yourself sure. No-one regardless of genetics or lifestyle is immune to a serious medical condition. Eating your greens also isn't going to be of much use when you need a few million baht of repairs following a car crash!

@David ********

2 Tour De France riders have died of heart attacks recently, are you as fit as them? Genetics helps but cancers and heart attacks can strike anyone regardless of the track record. What I am fascinated by is your figures that more than half of americans are not obese - I'm really struggling with that when I thought it was actually the law for americans to be as fat as possible! 😉

@Jeff ******

of course I name a general statistic and you name a 1 in a million one ... not the same you worry ab out your self I will worry about my self , stop trying to sell me your world ... not interested and why I don't live in america with Trump stealing the place and getting away with it , not obese but fat and out of shape and diabetic and hypertensive all the other contributory things that lead to old age death ... my odds are I will live who my 90's .. I will play my odds and a heart attack so be it and cancer so what you want to beat everything with a medical stick ... no my issue

@David ********

that won’t make any difference if you’re hit by a bus and then need medical care. 😑

@Laura ******

3 million baht in the bank , local insurance limit 1 mil so I am triple covered ...

@David ********

fair play. At least you’re doing more to protect your health than most by being active and doing health screenings 👏🏼

@Janelle ****

nothing happened to me, as I researched them and checked their reviews 😉

@Tore ********

good idea