What international health insurance options do expats recommend for living in Thailand?

I use Allianz since they seem reputable related to large claims but even with no claims, my rate increased 11% in year 2 and another 5% in year 3 and year 3 was going to be a bigger increase but I was only able to get them to reduce the increase to 5%. At some point, they will likely be too expensive for me. Uggg.

I use a Medicare advantage plan. I pay the hospital bill for the Thai hospital that provided the care and then submit to Medicare for reimbursement. Every submitted claim has been paid to me. This only works if you live outside the US for less than 6 months a year.

Insurance prices are crazy over here , but you can see why when you live here, My Thai friends are never out of the hospital!! Cough ...sore throat... Fever ... Sore toe.. they are in !

This is then a blank cheque for all the hospitals and claims left , right and centre!! So any decent policies now are going to cost a lot, and it's a bit of a minefield...and as with everything else in Thailand there will be agents galore all wanting to sell you a policy..

I ended up going with Cigna .. let's hope they're decent if I ever end up needing to claim.

I looked at medical insurance for an OA visa. The price was more expensive than my health insurance policy in the US and that takes some doing.

Be very careful. I was with Cigna. Never claimed but after a birthday they tripled the premium. Said I reached a higher risk pool. Yeah I got a year older! So whatever they quote initially they never guarantee to only increase relative to Inflation. I cancelled and use saved premiums to pay as I go. But bills for surgery etc are not cheap

Yvette Martin.....I recommend speaking to

@Robert ********

. He is my insurance guru, and he will guide you, give you optio s and answer your questions.

For anything health insurance related in Thailand I would highly recommend talking to the team of expat health insurance brokers at

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

they are the leading health insurance experts in Thailand

Find an insurance plan that meets your personal requirements. Everyone’s situation is different so I recommend speaking with AA Insurance Brokers. Reach to us at and of the insurance specialists will get back to you!

I used AIA. Be aware.

I paid $2700AUD for 12 months. I have zero existing health issues. I made a claim for a small amount for a skin issue and they never paid out. All their correspondence is in Thai, although they're set up as an expat provider.

My agent who is well known on forums touting for business just stopped communicating with me after I decided not to renew my policy.

I post my experiences up so others don't get scammed.

@Tabby **************

amazing service

I use Pacific Cross but I haven’t had to file a claim yet with them as I’m healthy at the moment, so I can’t totally vouch for them.

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.

Hi yvette firstly international health insurance is definitely the best option. It is more expensive thats for sure but there are a few major differences etc.

Happy to chat with you if you want to dm me as it does depend on the clients also. But dont fall for the ones on here who are only ties to thai insurers .

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