Answered2 years ago
What is the average cost of medical insurance for expats in Thailand over 65 years old?
Just got four quotes for medical insurance
I,m 67 years old yearly .
They were coming in at approx Bhat 200,000 a year .
I noticed it did say lifetime renewability .
No existing medical conditions
Most were world wide can you get Thailand Asia coverage only ,or does it make much difference.
They were excluding the U.S.
. Happened to speak to an agent one of the four
, He said get a Thai Company
Having looked at the companies seem fairly well know and likely more expensive on these qoutes
What is a reasonable yearly amount you can expect to pay on average with a Thai Company in patient only.
I,m 67 years old yearly .
They were coming in at approx Bhat 200,000 a year .
I noticed it did say lifetime renewability .
No existing medical conditions
Most were world wide can you get Thailand Asia coverage only ,or does it make much difference.
They were excluding the U.S.
. Happened to speak to an agent one of the four
, He said get a Thai Company
Having looked at the companies seem fairly well know and likely more expensive on these qoutes
What is a reasonable yearly amount you can expect to pay on average with a Thai Company in patient only.
Answer summary
The discussion revolves around the quotes for medical insurance for a 67-year-old expat living in Thailand, with premiums around 200,000 THB per year, excluding the U.S. insurance coverage. Various commenters share their experiences and quotes ranging from 60,000 to 200,000 THB per year, highlighting the differences between Thai and international insurers. Suggestions for choosing insurance, including broker recommendations and concerns about premium increases with age, are also discussed.
115 repliesnewest first
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Rick ***********
I'm 75 and got hospitalization insurance from AIA about 10 years ago. My yearly renewal is just under 100,000 baht. I've been hospitalised 3 times for surgery. I'm very satisfied with the coverage and the deductible for each time was <5000 baht.
Alexander ****
AIA Thailand?
Rick ***********
@Alexander ***
yes
Randy ********
After reading all these comments this retirement I was planning in Thailand. It's going to cost me my monthly pension every month and not be able to save any money. I don't pay anything for insurance in the United States. I guess I might just be a snowbird, come to Thailand 3 months a year for the winter.
Shin *********
Anyone here uses April Thailand?
Alexander ****
200k is a lot?
Mark ************
Direct to Thai-Life or
Brgds
MHF
***********************
Brgds
MHF
Jay ***********
May I suggest going through a broker in Thailand .
Kevin ********
Two thousand 400 baht
Stevie ********
@Kevin *******
who with??Kevin ********
@Stevie *******
sorry for misleading you it is twenty thousand 400 baht per year sorry for that.Stevie ********
@Kevin *******
that's loads cheaper than any quote I've had in the last 2 yearsKevin ********
@Stevie *******
all depends where are you thailand 🇹🇭Kevin ********
@Stevie *******
a Thai woman called lucky. Sorted my retirement pension out she was really helpful. She has a place in soy buku Google it.Stevie ********
@Kevin *******
Pattaya. So who's it with?
Kevin *****
I'm 65 and paying 96k a year via Thai life. The added bonus is I get lump sum returns at the 5, 10 and 20 year point.
Brandon ************
Reminder that this group does not allow advertising, soliciting or affiliate links.
Personal testimonials are fine.
Personal testimonials are fine.
Deanna *******
We have Thai Life and have been pleased. It's very affordable. Be warned though that they will not insure over 70 and they don't insure overseas
However, we're from the US and can use medicare if we are there..
However, we're from the US and can use medicare if we are there..
Colleen *******
Follow
Peter *******
With Thai insurers they will raise premiums after claims, guess what happens as you get older?
Dennis *********
what insurance company is this quote from?
David ***********
Try Bupa Thailand
Karen **********
@David **********
Got bought out and now go by the name of Aetna, I believe.David ***********
@Karen *********
I didn't know that I will have a word with my friend down in Pattaya he sells insurance. Thanks for that 😊
Carey *********
Im retired military, my Insurance cost is $55.00 a month and free medication in the USA on bases and a small fee to go off base for medical care and meds. However Tri-care does not cover medical in Thailand. They use too, they do in the PI. Paying that price for medical Insurance in Thailand deletes the low cost of living in Thailand for sure.
Carey *********
wow $468.00 USD a month no way man.
Pertti *************
200k year you live in government hospital🤡
Marty *********
I’m 68. I have a 10 million baht Pacific Cross policy with a 40,000 baht deductible. My annual premium is 78,000 baht.
Medical care in Thailand is very inexpensive. Get a deductible to lower the price. Self insure for routine treatment. Have insurance for some serious.
Medical care in Thailand is very inexpensive. Get a deductible to lower the price. Self insure for routine treatment. Have insurance for some serious.
Tom ********
OP@Marty ********
Marty that is very reasonable have you been with them longtermMarty *********
@Tom *******
I bought in when I was 62. My current price reflects a no claim discount.Marty *********
@David ****
Go to the Pacific Cross website. They have a page where you input your age and the give you the cost for various plans. I was just looking at it yesterday for my wife.
David *****
@Marty ********
in 67 and can't get inMarty *********
@David ****
I’m not sure 62 is early but 70 is definitely too late.David *****
@Marty ********
you got in early
Kev **********
69 here I pay 191 UK pounds a month. With AXA. I have to pay first 2000 pounds of any claim though.
Stevie ********
The
*****
0k would hurt me more than any accident,🤕🤒😬
Steve *******
@Stevie *******
But it ain't accident insurance, it's health insurance! Accident insurance is cheap as chips but doesn't cover health issuesStevie ********
@Steve ******
what type of accident cover? doesn't the health insurance cover you in the event of an accident? Say I electrocute myself because of dodgy Thai workmanship, the health insurance covers your treatment and subsequent stay in the hospital (minus your excess) under the terms of your policy. I also know the other benefits and restrictions of health insurance policies(I do live here and I've had many ridiculous quotes also). Jeez I was being flippant and made a joke highlighting the exorbitant price of the quote as everyone with a sense of humour got. Except you, did you have your funny bone 🦴 removed through an accident or a health incident?? And under which policy did the claim come under🤕🤪Stevie ********
@Steve ******
they both cover accidents and it was integral to the joke for it to be an accident. This isn't difficult 🔔 end you're nitpicking trying to be a cock so stfu and leave me aloneSteve *******
@Stevie *******
"Retarded or bereft of cognitive function". It WAS my first thought!You mentioned 'accident' when the post is about health insurance
Stevie ********
@Steve ******
did at any time when you read my reply consider me retarded or bereft of cognitive function?? I told you i understood the difference between the 2 as I live here and have had many many outrageous quotes myself(including yesterday and today) and explained I was making a joke . I can write it in crayon with smaller words if that helps??Steve *******
@Stevie *******
Yes, health insurance covers accidents but accident insurance doesn't cover falling ill/health issues
Andy ***********
I am 66 and pay 85k inpatient only
Anne *******
@Andy **********
, what insurance?Andy ***********
@Anne ******
- **************************
Anne *******
@Andy **********
, thanks!Andy ***********
AXA through a local agent Tigon
I have made claims and they are solid
I have made claims and they are solid
Tom ********
OPThanks for all the replies !
Farhad ****
Stephen ********
Sounds absolutely ridiculous amount to me. If an accepted amount of 780k is enough to live on as a retiree. How could you be spending over 25% of that on health insurance? In my home town of London it wouldn't be that expensive.
Pete *******
@Stephen *******
and what is your experience as an expat living overseas with gaining health insurance?Stephen ********
@Pete ******
, I spend my winters in phuket, I have a business and a home there as well as London. So insure my wife for six months, as she stays there in phuket. I flip back to london now and again to work. So I can get away with a decent annual multi journey holiday insurance for myself. I've only been doing this about 15 years.
I have many British friends who live in Thailand full time, I know what they pay in health insurance.
Iike i done before i wrote, if you do a simple Google search in the uk, a standard world wide holiday travel insurance is about £3 a day on average, this amounts to about 50k baht a year. Restricted only to Thailand, it must be less than that. If not, the retirement 65k a month, needs to be raised to more like 85k....
Frank-Steven ***********
Be careful about what insurance to choose. I wouldn't choose a Thai insurance, as I would not know how to reasonably ensure my rights in any legal dispute if it comes to it - in a foreign language and in a at times questionable legal system. I would opt for a health insurance operator from my home country, where I understand my rights and the legal framework. Also, if you go for any foreign insurance, pay good attention to the details. Way too often you find "insurances" that are capped at way to low amounts. What good is a health insurance if they only cover up to a million baht or some nonsense like that? Any good health insurance will cover unlimited, as long as treatment is necessary from a medical (not economical) perspective. But yes, starting at the age of 65 or older, private insurances tend to get real pricey. As an example: A very good unlimited health insurance in your age group would be around 100k - 130k THB / year in Germany (but only about 23k THB / year for me at age 42.
Alexander ****
good point. Also you have public health care in Germany which is good
Frank-Steven ***********
@Alexander ***
But that public healthcare only covers Europe.
Brian **************
@Frank-Steven **********
good advice
Remon ***********
63 y.o male 16M coverage 158,000 a year
Jeff *******
@Remon **********
16m baht I take it?David ***********
@Remon **********
who with if I may ask ?
Mitchell *******
That sounds reasonable for inpatient, worldwide, renewable. If that is affordable for you, I would take it, as they only get more expensive to start as you get older. Most will have options to include or exclude the USA for anything longer than a few weeks.
Daniel *********
Check out AIA.
Neil *********
Is it true that an America when you hit 65 you qualify for Medicaid and your medical is then just about free thereafter? 
Art ************
@Neil ********
Medicaid is a state-run program. And when you turn 65 you get Medicare if you worked enough hours and paid into the system. Then you must get health insurance which cost you about $175 per month
Mike ******
@Neil ********
yes but it’s no good overseas
Cathryn *********
@Neil ********
No, that is not true. Unless you qualify for Medicaid (virtually no assets and below poverty income) then you still have to pay for Medicare. There are monthly premiums, co pays for Dr visits and for other related services (like physical therapy, etc) and costs of medications. It is far from free (and the care sucks in comparison to a Thai hospital). They can keep their care, give me Bumrungraad and the bill!
Mike *******
Carey *********
@Neil ********
Yes sir 100% covered by medicare however they want you to have a supplement that costs extra for medication. Some states also have medicaid that helps seniors.Mike *******
@Frank ******
wrong medicaid is for indigent jokes no matter the age. Medicare at 65 depends on several factors.
Michael *********
@Neil ********
This is true but you cannot use Medicare in Thailand so it's a moot point.
Jim ********
@Michael ********
You can use Medicare in Thailand if you go to an emergency room situation. Mainly for accidents, etc. NOT for hospitalization. I'm with ATENA as the Medicare provider. I believe you'd have to pay either 50 or 100 dollar co-pay.
Robert *****
@Neil ********
MEDICARE
Scott *******
Medicaid is based on ones income level. Both state and federally funded to help those in a low income level or maybe no income.
Medicare is federally funded and is for retirees aged 65 and up and younger people with certain conditions. The cost varies monthly or even quarterly, I am not sure, but it’s around $165 a month. I’ll find out in three years. But Medicaid and Medicare are completely separate
Medicare is federally funded and is for retirees aged 65 and up and younger people with certain conditions. The cost varies monthly or even quarterly, I am not sure, but it’s around $165 a month. I’ll find out in three years. But Medicaid and Medicare are completely separate
Frank *******
that's 450/month, not inexpensive
Iain ********
Greg ***********
just a comparison, AIA, one of the most popular Thai insurers, health plan:
Greg ***********
@Tom *******
although all existing conditions - and future related to those cases - are excluded
Tom ********
@Gr**
Ok thanks , that's cool, is that Axa? or do you have a link?Tom ********
@Gr**
Ok cheers, I'm sure I can find it on Google , thanksGreg ***********
@Tom *******
the one I posted is AIA. This one is AXA. However it's already 5 years old, they might have adjusted their premiums in the meantimeGreg ***********
@Tom *******
per yearTom ********
@Gr**
can you clarify please , 66 y.o male, I million baht cover, 59,400 what? per month, year ?Tom ********
@Mutchi*******
Ok thanks, I will contact you when I am ready.
Matt ************
Try tbh.asia/insurance
Chris ********
Allianz ayudhya, I've been with them for 4 years, I'm only 45 but they're priced reasonably
Nick ************
Check out wrlife.net
Peter ********
@Nick ***********
I pay WRlife about 60k b age 72. No deductible. In patient / emergency only. Frankly for outpatient I love my local public hospital. So good and so cheap. I have never claimed. So I have no idea if they actually pay. Talking to people I believe that they are goodNeal *******
@Peter *******
Interesting. I will be 70 and cancer survivor. What province are you located?Neal *******
@Peter *******
yesPeter ********
@Neal ******
Are you on the East Coast I assume?Neal *******
@Peter *******
Ok I will tomorrow. 11 hour time differencePeter ********
@Neal ******
Korat. Call me on messenger. Let’s chat. Don’t worry. I won’t push you into something dumb. Some people are hard to talk to on this topic. Be careful.
Francis *******
do you have medical coverage for retirees to settle in Cambodia 73 years old
Scott **********************
All about insurance by
@Napawadee *************
She will be able to help you
CjandBrigitte **********
Were with Pacific Cross and below table is what they charge per age group.
CjandBrigitte **********
If you are over 65 then SBC is the only other insurance that we know that covers you for over 65 - 100.
**************************
Richard ********
@CjandBrigitte *********
non of them match his age, after 65 it gets more expensive, then 70 then 75. After that many won't cover you.Peter ********
@CjandBrigitte *********
Nice list thanks. But many of us are retired and way older than the ages here. It would be good to see older ages. Thanks.
Mark ******
@CjandBrigitte *********
I'm with them as well. Have not had a claim in 3 years of coverage, I think they discount my rate 20-25%.Neal *******
200,000 is approximately 5800 USD per year. Am I correct? Yearly premiums?
Lawrence ********
@Neal ******
At around $485 per month that's still less than half what I would pay in the states for a plan that has a $6,000 usd deductible in addition to the monthly premium of close to $1,000 per month premium.
Ed *********
@Lawrence *******
that’s $4850 not $485
Jack ******
@E*
, read the post . 5,800 per year divide by 12 gives 483.33 per month!
Angelo ***********
@Ed ********
per month?Neal *******
@Lawrence *******
Medicare B for me in US.Tom ********
OP@Neal ******
Neal yesPeter ********
@Neal ******
I think you are saying it’s ridiculous. And it is ridiculous.Neal *******
@Peter *******
You understand me perfectly!Pete *******
That sounds reasonable, most policies exclude USA and Singapore. I’m 55 and paying 70k but as I get older will expect 200k annual premiums.
Randy ************
Pete *******
@Randy ***********
you misunderstand. The policy covers me for worldwide travel except for travel to USA and Singapore. I would need to get an additional policy if I wanted to visit those countries.Randy ************
Simon *******
@Pete ******
I’m also 55 , paid 43 k , 15 mil coverage , 70 k seems expensive
NT ********
@Simon ******
how about the name of the company?Simon *******
@NT *******
Thai life
Mick *******
@NT *******
, Ayuda Allianz or Thailife , both around 43kActivity
65 joined65
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