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What is the average cost of health insurance for expats in Thailand?
health insuranceexpat health coverageThailand insurancevisa requirementspre-existing conditionsinsurance premiums
Jun 17, 2025
10 months ago
Chris **********
ORIGINAL POSTERCan anyone tell me what the going rate for health insurance is please
TLDR : Answer Summary
The cost of health insurance for expats in Thailand varies significantly based on factors such as age, health status, type of coverage, and pre-existing conditions. Comments indicate estimates ranging from approximately ฿5,000 to ฿100,000 annually, with some older individuals reporting higher costs due to age-related factors. Recommendations include comparing quotes and using established local providers. Users highlighted the importance of understanding policy specifics, especially when it comes to claims and customer service.
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Bob **********
No
Andreas ********
🤦♂️
Robert ************
Well I could not find good health insurance for 10,000 baht a month! I would gladly pay 10,000 baht a month cannot find
Galenus ******
@Robert ***********
go WRLIFE. I pay 295 Euro/month and I'm 78.Robert ************
@Galenus *****
and do they pay their claims many insurers take your money but don’t pay the claimsGalenus ******
@Robert ***********
they pay what's in the contractReply to
Galenus ******
Reply
Robert ************
@Galenus *****
that’s what many people are saying I just don’t know if they will accept all my pre existing conditionsGalenus ******
@Robert ***********
instead of collecting false information....just ask for a quotation and a contract. It's all written there. No rocket science. Then you can decide.Reply to
Galenus ******
Reply
Jordan *******
I get it for £15 per month with my bank along with loads of other benefits
David *******
Can Chris Crampton tell us a little more about himself - age, general health conditions, any pre-existing conditions, smoker/non-smoker; any major operations. Then we can give him a clue 😂😂😂
Robert *******
You need health insurance for peace of mind rather than anything else age and past medical comes into affect. But it's what you can afford. The question shouldn't be how much but what company offer the best products and work out what you want from that. I use AIA not to get mix with AXA. best for me at the time.
Joseph *************
Very expensive and if you have any preexisting conditions they will not cover so be very careful when you go to the hospital for a headache or sore foot anything document at hospital across Thailand will bite you in the ass one day !
Mohit **********************
AXA is the best 50-60K max. My sister in law works for them. Excellent service!
Pertti *************
Free if you work thai company👍
Mike ******
How much is heath insurance in thailand
Mike ******
Yes...me...what a fool...
Peter ********
How long is a piece of string?
Brett *****
Wow information you supplied is so helpful really?
Gregory ********
Many different rates and and plans —need to be more specific and include age
David *******
Look online! Ask the companies.
Not the public. I found it a waste of time and money as I must pay the first 300,000b anyway. Keep bulk funds in a bank.
Not the public. I found it a waste of time and money as I must pay the first 300,000b anyway. Keep bulk funds in a bank.
Will *****
For fukcs sake it depends on your age and present health condition.
You sure your well enough to travel.
Anyway. How old are you ???
You sure your well enough to travel.
Anyway. How old are you ???
Peter *********
An arm and a leg
John ********
Follow Thai embassy direction on this and get quotes from those listed
Reply to
John ********
Reply
Henrik *****
No, there are so many personal variables that nobody can predict anything on basis of the given data.
Contact a number of health insurers, and compare.
Contact a number of health insurers, and compare.
Chris **********
ORIGINAL POSTERThanks for everyone that replied positively….. to the loony’s…. Maybe you needs to get a life
Dave **********
Chris Crampton health insurance is a sore spot for Expats in Thailand 🇹🇭 😐. Many policies will not pay out lots of claims due to any preexisting visits to Healthcare. Quality Healthcare here in the Kingdom is inexpensive. About 50% are self insured. Lots of sad stories of claims denied 😢 a few glad stories of policies that paid off. I've been here 9 years paid as I go and saved thousands of $/€ and invested it. The savings/investments are over 2.5 million Baht now. Combined with other investments, I'm good. But your question is very complicated. Best of luck on your choices.
Martin ********
Chris Crampton I don't get why some people are on groups like this. Making ridiculously "jokes" even all my grandchildren would think childish and people who answer "Google it" or similar. Fortunately the majority of people are mature and helpful. Good luck with your life and happiness 👍🏻🙏🏻🇬🇧🇹🇭
Reply to
Martin ********
Reply
Chris **********
ORIGINAL POSTERWish I hadn’t asked now. My wife and I are moving there. We are both 60. Kind of needing some advice, but it’s all good, I’ll sort it!
Chris *********
Chris Crampton good luck mate ,if you manage to get anywhere near a “great deal” please let me/us know. It’s a minefield 😤
Reply to
Chris *********
Reply
Dan *******
Mike *******
Im looking at around £120 a month. Age 66-69 the saving grace is i no longer pay council tax which was £144 a month 😆
That's basic hospital care in case I get hit bt a tuk tuk or fall over cos I'm too busy looking at my phone
That's basic hospital care in case I get hit bt a tuk tuk or fall over cos I'm too busy looking at my phone
Freddie *********
Depends on age,
Eddie *********
There is no going rate it all depends on your circumstances
Marc *********
12
Dwayne ********
It’s very expensive. The other route is using clinics & government hospitals.
Idea of a MRI or CT which most hospital’s personnel will try to sell you even though no technicians nor doctors are capable of understanding…. Is around 1-2,000 US. It’s Thailand, selling expensive and in most cases, unnecessary tests is the way of the Thais.
Idea of a MRI or CT which most hospital’s personnel will try to sell you even though no technicians nor doctors are capable of understanding…. Is around 1-2,000 US. It’s Thailand, selling expensive and in most cases, unnecessary tests is the way of the Thais.
Shane ********
You can compare prices and benefits of insurance options available in Thailand on this site from
@Insurance **************
*****************************************
Galenus ******
Depends on your age. I pay 295 Euro/month with 79 years old.
Gijs ***********
@Galenus *****
Can you tell me wich insurance company that is please?Galenus ******
@Gijs **********
WRLIFE. Go for an inquiryReply to
Galenus ******
Reply
David ********
Cigna has a great plan…
Alain ***************
I have multiple illnesses and my doc says I’m very lucky that i got an insurance. I need it all the time as my medicine is expensive and not available in all pharmacies/hospitals. Doc said he’s seeing that thai insurances moving towards USA before obamacare. I pay around 600€/ month, go to bumrungrad. I entered as a 40yrs old. Insurance broker from my home country, insurance is nowhealth international 🙏
Daniel ******
If you have to ask its too expensive for you!
Rob **********
How can anyone answer that, what is your age, any preexisting conditions, what is your budget, and what deductible are you happy with, there is no one fits all policy.
Francois ********
LMG Thai ins comp
Qualified for OA 10 yr visa
(From Thai Embassy only)
Required
40k IP
80k OP
Yrly premium about 8,000thb
Qualified for OA 10 yr visa
(From Thai Embassy only)
Required
40k IP
80k OP
Yrly premium about 8,000thb
True ********
฿5000 per year for ฿5mil coverage
True ********
@Robert ***********
฿5000 per year for 5mil coverage is with MTL 5mb rider health plan. The lower premium is due to setting a ฿100k deductible.Reply to
True ********
Reply
Chanya ********************
I help expats in Thailand find reliable health & life insurance with great coverage and real support — in English.
I work with top insurance providers and personally help with claims and questions along the way.
If you're still looking, feel free to message me — I’m happy to help you find a plan that really fits your needs.
For a quick chat, you can also reach me on WhatsApp. 0815395944
Chanya Noot Sena
Your Insurance Planner in Thailand
I work with top insurance providers and personally help with claims and questions along the way.
If you're still looking, feel free to message me — I’m happy to help you find a plan that really fits your needs.
For a quick chat, you can also reach me on WhatsApp. 0815395944
**********
*****
*****
Chanya Noot Sena
Your Insurance Planner in Thailand
John *******
@Chanya *******************
4033698709 what’s app. John Hagen. Thanks 🙏**********
*****
*****
what’s app. John Hagen. Thanks 🙏John *******
@Chanya *******************
Hello from Canada. Would like a rough quote on health and life insurance if possible.👍61 years old and only need for 6 months a year. Thanks 🙏 🇨🇦🇨🇦Reply to
John *******
Reply
Heath ***********
I would focus on if they actually pay out for claims and customer service after my own negative experience with insurance. Just my thoughts.
Phil ******
@Chris *********
it really depends on you age health etcOo *****
What a question to ask. After a long time searching, I went with a package which was " public hospital" and not private. Costs was 42.000, 2 years ago.
Paul *******
@Oo ****
for a year ?Colin **********
@Paul ******
what did the package cover?Reply to
Colin **********
Reply
Paul *********
@Tipanan *******
can give you a quote mateWill *****
@Paul ********
What's a Tipanan Salter used for. Is it used in restraunts ???Reply to
Will *****
Reply
Marty *********
1 million dollars
Mohit **********************
@Marty ********
We are not asking what you need paid to marry your isaan wife.Marty *********
@Mohit *********************
a typical negative, racist, misogynistic remark from a tool. You are an insult to humanity.Reply to
Marty *********
Reply
Martin ********
Ok.Bye ,👋🏻
Martin ********
@Marty ********
that's about as funny as the clapMarty *********
@Martin *******
ask a really dumb question, get a really dumb answer.Martin ********
@Marty ********
why are you on this group ?Marty *********
@Martin *******
I could ask the same of youReply to
Marty *********
Reply
Jean ********
Try check di and answer the questions
Fabio ******
270 euro per month
private, 100% Cost coverage. Lifelong. No deductible.
german insurance for expats
********************************
private, 100% Cost coverage. Lifelong. No deductible.
german insurance for expats
Mike ******
Why insure yourself...only a matter of time before you die...what are you waiting for..
Martin ********
@Mike *****
if we were all millionaires like you maybe we wouldn't. My friend had a heart attack while in Spain. It cost his insurance company £25,000 in medical fees. He would have had to pay. I'm sure the OP will appreciate your invaluable comment 👍🏻Mike ******
@Martin *******
Ithe are many good health insurance companies out there....Mike ******
Heath care is not cheap
Mike ******
@Martin *******
if you cannot afford to save 5 million thai bt in a thai bank account..you should not be living here.....what visa are you on??Martin ********
@Mike *****
I've got plenty. I'm saying insurance is essential especially for older expats. All personal choice of course . Just my opinionReply to
Martin ********
Reply
Will *****
@Martin *******
That's what I'm saying just cover yourself from heart attack. I lost two friends to heart attack in good health. The police had to pry them off the women.Reply to
Will *****
Reply
Galenus ******
@Mike *****
you're a troll. A lot of idiotic comments so far.Mike ******
And in your case..Wr Life...which is not a insurance company
Mike ******
Who is the fool...enjoy your money...or send it to an insurance companies..??
Reply to
Mike ******
Reply
Daniel ******
Alex ******
@Daniel *****
thanks for posting this. I am just starting my health insurance research for Thai LTR visa next year. Much appreciated!Reply to
Alex ******
Reply
Mike ******
Yes...you will die soon..
Will *****
@Mike *****
IF your hung like a horse and staying in Pataya it's just insurance for heart attack you need.Mike ******
@Will ****
yes the cock is bigReply to
Mike ******
Reply
Gerg **********
I’m 63 in good health, no pre-existing conditions, and I pay $1800 a year for mid-tier inpatient policy.
Mike ******
What are you paying for..
Mike ******
@Gerg *********
you are going to die....So why pay an insurance company. ??*Will *****
@Gerg *********
IF your in good health what you want medical insurance for accident ins you need.Mike ******
@Gerg *********
yes??????...why so much..Mike ******
@Gerg *********
why are you paying??...enjoy the money...Randy ********
@Mike *****
I would rather save my own money and bank it for emergencies than to pay an insurance company is what I'm getting at. I don't know if that's possible on a retirement Visa.Dany ********
@Randy *******
until a serious illness will leave you broke and returning back home or dieing because no money left.Reply to
Dany ********
Reply
Randy ********
@Mike *****
How do you not pay if you're on a retirement Visa and already have health issues?Reply to
Randy ********
Reply
Don *************
Its a minefield stay clear ofAIA
Rick *********
@Don ************
been with AIA for 10 year and haven’t had any problems, no out of pocket expenses on hospital bills and good service.Richard ***************
@Don ************
please say it again for everyone to hear!!!!Reply to
Richard ***************
Reply
Terry ***********
I don’t know why you just don’t go on the comparison sites and compare them all
Chris **********
ORIGINAL POSTER@Terry **********
maybe you should actually have a point or stick to the ladyboys for your entertainment! Over and outChris **********
ORIGINAL POSTER@Terry **********
wow!Terry ***********
@Chris *********
I think you should change your barbersReply to
Terry ***********
Reply
Chris **********
ORIGINAL POSTER@Terry **********
dickMatt **********
Chris Crampton both you bloke will need a premium cover if you keep this up
Steve ********
Chris Crampton now, now, girls!!!
Reply to
Helen *******
Reply
Terry ***********
@Chris *********
Yes, Dick Emery was a great comedianReply to
Terry ***********
Reply
Terry ***********
Paul Green we are all entitled to our comments, but obviously there are people that are brain-dead on here. A bit like yourself. So jog on lowlife
Paul *******
@Terry **********
. Do you know what fb groups are for ???? People join to ask questions about stuff and get responses from others who have knowledge and experience. I have a suggestion for you. Why don't you just shut up and scroll on by ?Reply to
Paul *******
Reply
Chris ****
As little as 500 usd up to 5,000 annually.
Paul *******
I am 65 and healthy at the moment 🤞🤞🤞🤞
What kind of cost would I be looking at ?
Sorry for jumping on the OP's post. But 2 birds and all that 👍
What kind of cost would I be looking at ?
Sorry for jumping on the OP's post. But 2 birds and all that 👍
Will *****
@Paul ******
in thailand around £1000 month.Paul *******
@Will ****
. That is not trueReply to
Paul *******
Reply
Pete *******
@Paul ******
for anything decent 100k per year ballpark.Pete *******
And that’s inpatient only...
Paul *******
@Pete ******
. CheersReply to
Paul *******
Reply
Paul ***********
If you’re over 75, good luck even getting a quote, and if you do, it’ll be enough to give you a heart attack!!!
Will *****
@Paul **********
it's true. I'm recuperating in hospital. Heart attack. 75 old. Only remember reading my policy bill after I signed for it. In hospital got 10 grace days to think about it my ins won't cover me for those days.Galenus ******
@Will ****
why they didn't? Which insurance?Reply to
Galenus ******
Reply
Galenus ******
@Paul **********
of course. Go for WRLIFE and ask for a quotation. There is a lot of hogwash herePaul ***********
@Galenus *****
They won’t even take my application, I’m 79 and still active and traveling solo.Galenus ******
@Paul **********
of course they will. Ask WRLIFE for a quotationReply to
Galenus ******
Reply
Chris *******
And they do an exam on you
You must pay into the system here
Can’t fudge it
You’ll be out on street
I been paying premium insurance
I’m 57
My rates are around 55,000 baht a year
I’m in 5 years no claims
Ie
Paying into the system
An with longest time business here also
Good luck
You must pay into the system here
Can’t fudge it
You’ll be out on street
I been paying premium insurance
I’m 57
My rates are around 55,000 baht a year
I’m in 5 years no claims
Ie
Paying into the system
An with longest time business here also
Good luck
Karl ***********
@Chris ******
who is "they"?Chris *******
@Karl **********
Thai insurance companiesSend you to hospital for check up
that are planning long term coverage like my self
I started with them 5 years ago
I will not be denied or stabbed by fees at 75
Or denials
I been told if your with a company for a number of years it’s against there law to deny continued coverage as long as no lapses
Reply to
Chris *******
Reply
Neil ********
@Chris ******
who with ChrisChris *******
Neil ********
@Chris ******
returning to Thailand soon so will send you my Thai numberReply to
Neil ********
Reply
Mark ************
Look at allclear
Wayne ******
Don't use regency, they are a scam
Stefan *******
@Wayne *****
not for me,i never have problems with themDawn **********
@Stefan ******
you’ve made claims.Stefan *******
@Dawn *********
yes,2 or 3 times and no problems but it was not expensive claimsDawn **********
@Stefan ******
thanks!Wayne ******
Regency is the worst company around, lying scum, deny deny almost got me killed
Reply to
Wayne ******
Reply
Judy *******
It depends on a number of factors - your age, pre existing conditions, outpatient/inpatient cover and the health insurances premiums
Will *****
@Judy ******
And if you need Psyco insurance added to.Reply to
Will *****
Reply
Colin **********
Gosh, it depends on so many factors, age, medical history, what cover you want, if you want a bare bones insurance or high end. Is it related to your visa? Im sure your be contacted by insurance agents now you made this post
Ronny *****
At least tree fiddy
Matt **********
@Ronny ****
premium cover tree hunjyDaniel **********
@Ronny ****
I knew it, you ain't no insurance salesman... It's the lockness monster againReply to
Daniel **********
Reply
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