Can someone tell me approximately how much it costs for health insurance per year to live in Thailand on a retirement visa? Thanks.
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TLDR : Answer Summary
The cost of health insurance in Thailand for expats, particularly those on a retirement visa (NON-O), can vary significantly based on factors such as age, type of coverage, and specific health needs. Generally, quotes range from around 26,000 THB to over 250,000 THB per year. Although health insurance is not mandatory for NON-O visa holders, it is recommended for those concerned about potential high medical expenses, especially in case of major accidents or serious health issues. Among the suggested providers are Pacific Cross and AXA, with options for large deductibles to lower premiums. Many expats have shared personal experiences regarding costs and coverage, indicating that negotiations on quotes are common, and pricing can often be improved over time.
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.
Just when your minding your own business walking down a street and an uninsured drunk Thai driver runs into you
You can not sue him he has no money and your in a serious bad way in hospital
I would add a few 0000’s onto the 800 baht
Then you might just wake up and smell the coffee 😂😂😂
Steve **********
Stephen Hunt-Leigh yes and a meteor 'may' fall insurance company fine print and ambiguity on previous conditions tie up insured at there expense for years until the insures interst are no longer cost effective.
Many movies and books written. Insur Co's are like banks....you Pay. They don't.
the typical ( even the the atypical ) insurance salesman, carries in his pocket the " but what if, remember the flood of Noah ", or " that meteor on the news ", simply wants his commission.
The person wanted to know the cost of medical insurance for a year. Not what you my spend yourself without insurance. Read the previous request which I answered
Many ex-pats who are entitled to free healthcare in their home Countries have no healthcare plan. They believe they could always return home for treatment. However, that isn’t always possible if involved in a serious accident or suffer a stroke for example. Don’t forget there is such thing as Personal Accident Insurance and, of course, motor insurance would pay for your hospital treatment in the case of a Road Traffic Accident.
Been here 20 years know many expats...most 'out of pocket'...big accident, you get thai rate..but haven't heard of any, other than salesman looking for commission's.
This isn't US, don't get sucked in by insur agents driving better cars and declaring everything a pre existing cond.
I know what you mean Steve! I have no cover because I was diagnosed with and received treatment for raised blood pressure in 1986. I don’t drive/ride and leave that to the Mrs. If I could, I would take the advice of Marty Pollard and cover the big risks only and reduce my premium via large excess/deductible.
have had high BP fir decades, as has anyone over 60. Take OTC pills that control easily. Meditation works wonders.
Dont know if HBP termed a pre- existing cond.
Have great relationship w/ hosp and Dr.
Have real conditions, but go monthly for Testo, abd B-12 inj. Could do myself but the 500 baht keeps me on terms with Dr. Once a year a blood test and ECG..about 1000 baht.
Any insur Co would claim BP or having had ECG implied pre-existing, to fight you need a lawyer etc.
read it carefully..see what's covered. Excluded, ask you Dr for real price .
* how long is a piece of string ?
Reply to
Steve **********
Reply
Marty *********
You’ve already been advised that you don’t need health insurance if you retire here on an O visa. I do have an insurance strategy though. I bought a 10 million baht policy from Pacific Cross with a 40,000 baht deductible. Health care is really inexpensive here and I have never spent as much as 40,000 baht in a year. A large deductible lowers the rate and I am getting an additional discount for not having made any claims. The insurance is there for a big health event such as an auto accident or a heart attack or whatever.
I watched a video of someone else that compared companies and and I chose Pacific Cross. I start the policy in 2018 and it was my first time buying insurance in over 30 years. I can’t say I am a sophisticated buyer. There are too many variables for each person to recommend a specific policy. As for the integrity of the company, there will always be people the love or hate a particular company. I have never made a claim so I can’t report on that except to say that I am getting a discount of about 20,000 baht for not having made a claim.
Pre existing means a condition you’ve had before and could possibly have again. Think chronic conditions not broken bones. Arthritis, heart issues, diabetes, cancer that you recovered from, etc, Have you never had to deal with this on a health insurance level? It’s quite common.
Doesn’t matter. If you had a heart issue in the past it will be considered a preexisting condition and not covered by most insurer in Thailand. I know from personal experience. I have Pacific Cross and anything I ever had was considered preexisting and excluded.
there may be some coverage on previous injuries etc looks like it depends on timing of everything. From Pacific Cross;
"A pre-existing condition means any medical condition (including conditions that are a consequence of the said condition), which presents signs or symptoms in a period of 5 years prior to the first policy effective date that would cause a reasonable person to seek diagnosis, care or treatment, or for which diagnosis, care or treatment was given before the policy effective date."
agree. All ( most ) men over 50 have elevated BP. It's for that reason most insur co's have no problem with calling everything as related to it. Therefore pre existing.
I pay as I go. My bp meds are about 200 bah baht. a month, B-12 and testo shots are 500 total.
Haven't needed anything else in 20 years.
Do get blood test and ECG yearly..but never a problem.
Thai Insur Marketing now approaching US intensity......foolishness, even my Dr shakes his head.
That’s my point. It can’t be fixed to the point of covered by insurance. You are screwed if you can’t pay out of pocket. I usually can by I had to have a pacemaker while in the US this year. Medicare paid $80,000! Pacific Cross would have paid nothing since I had a Afib condition on my records that had never caused a problem or required any treatment in the past. My good luck I was in the States.
Right. I've been here 15 years, but they won't even cover a sinus infection because I've had some in the past (who hasn't). I had RA some 40 years ago and have been in remission ever since ... nope not cover any arthritis. I have a thyroid goiter, non-cancerous and biopsied several times. Nothing from it for 25 years ... nope can't cover any thyroid issues. The insurance is worthless unless i get a brain tumor.
Don't know so much about the diet! Much Thai food is very unhealthy, especially fried street food with added sugar served with white rice. Diabetes II here we come!
Who said I don't like Thai food? Perhaps read what I said before flapping your gums and then tell me why diabetes II is so prevalent amongst Thai people
It depends on so many things if you are a bit more specific you might get some better answers. You can try AXA or Pacific Cross for starters, but way to many variables to answer a generic question.
health insurance is mandatory if you are on a OA visa, but otherwise it is entirely up to you, but I would recommend you do. Again any cover you choose would be based on your age, preexisting conditions, deductible, what level you require, your budget etc.
Reply to
Rob **********
Reply
Jeffrey ************
Too many variables....
Neil *********
Julie it depends on a lot of factors including your budget and the type you want.
Neil *********
It’s ok if you want dm me I’ll look into for you. I’m a U.K. financial advisor who lives and works here in Bangkok