What is the best insurance company for retired expats in Thailand?

None

Is there any health insurance I don't have to pay upfront?

Had and still have good experience with Pacific Cross. 😉

I got my travel insurance by upgrading my monzo account to Monzo plus £22 a month for myself and hubs you also get free phone insurance aswell 🙂

A Life Insurance one....

It's been 47 days since I submitted my claim to AXA for a claim for surgery. Excuse after excuse. Still waiting to be paid. Disappointed.

Idiots that think 2000+ year old superstition is still relevant today.

So..... I had my insurance from Canada through Manulife. I had had it for 10 years and never used it. I had to have skin cancer removed (nothing too bad), so biopsy, surgery, and localised radiation therapy. They didn't cover a thing. I just switched to 15 million, zero deductable, health and life insurance through Krungsri at about 30% the cost for the same coverage... we will see how it is.

Become a monk like Mr patklang is the best.

AXA for O-A

I use Muang Thai Life (MTL). Since I have a friend who works in the insurance claims department at BDMS, I always consult them first to confirm how fair and efficient an insurer's claims process is. Because I am healthy with no underlying conditions, my only concerns are sudden major accidents or infections. Therefore, to minimize my premiums, I opted for a 30k deductible, especially since I already have compulsory health insurance in my home country of Singapore. I also try to avoid international companies because their premiums are usually about 30% higher.

I filed my first claim last year without much of an issue. Because the claim occurred within the first six months of my coverage, they understandably processed it with extra scrutiny. Overall, I appreciate MTL because they have built-in clauses to prevent abuse. With people living longer these days, insurance costs will inevitably rise, so it is very important to me that a company actively prevents claims abuse to control escalating costs. I recently had my second renewal and actually saw a reduction in my premium—this is the first time in my life I have ever seen a health insurance premium go down!

NONE! And this is an educated answer after years of direct involvement with insurance professionals in Thailand. Self-insured beats all! No fuss, no surprise and if nothing ever happens, your money is still yours!

No insurance, however, have money put away. Been hospitalized 2 times 1st one a stroke, 3 nights in hospital, walked out, one week later, riding bicycle.

Bill was baht. 1400+ $.

2nd time 2 nights for a prostate procedure, 2 nights, 120,000 baht.

Less that 4000$. Take no pharma drugs, exercise daily, eat mostly real food, and lots of vit.D from the sun. Back in US. was paying about $700 a month. If I was paying say 400+ a month for the last 15years, that would have been about $75,000. I am comfortable about my health decisions.

I am 77, been here 15+ years.

AIA, FWD

Get some quotes from insurance brokers. Tell them your situation, and they should be able to find a solution.

As I understand it, as one gets to a certain age, the limiting factor on any insurance one buys at an older are the preexisting illnesses that cause the policy to not cover. So, make sure you review this aspect carefully before purchasing any policy. I wish you good luck. Make sure you post your findings.

How old are you?

Depends on your age and preconditions.

Don't fall into the trap of "self insured". Only for stupid or moneyless.

I pay -80 years old - 295 Euro/month. Without annual increase!

I use Pacific Cross, not cheap but not mega expensive. I live in Udon Thani but took out my insurance about 7 years ago in Hua Hin when I lived there. I can supply the agents contact if you wish (it’s AA insure). I wanted the insurance mainly for any big issues and I am glad I did. Earlier this year I went to the hospital with stomach pains, I was operated on just a few hours later as my appendix was about to burst. A week later I returned to the hospital for my stitches removal and to get the result of the biopsy report….. A few days later I had part of my colon removed due to cancer….very very lucky…..

Yes, I had been paying for years already and yes I had a 40,000 baht deductible, but I am soooo pleased I had the insurance..

Everyone’s choice though…

It depends on how old you are. And your preexisting conditions.

You will get many people tell you how good their health insurance is based on how little they pay. I'm with AIA, I pay top dollar for top cover. So far I have not needed to make a claim. I will not tell you how good AIA are and I will not recommend them as I don't know. You cannot judge insurance by what it costs or by what they promise. The only way to really judge how good insurance is, is by the claims process. Did they pay up? Was it simple? Did they not pay or refuse to pay for some things you thought were covered? Before taking anyone's' advice or recommendation ask them about the claims process, if they have not claimed they have no idea how good or bad the product they are paying for actually is.

Do you have insurance in your home country? If yes, and you have a nice bank account, self insure and take care of yourself.

Do you mean medical insurance? Age over 60, high premium charge and except pre existing conditions.

The most common asked question!

Cigna Global

I did research this and most point to AXA. I even see it on YouTube from a visa company in Thailand which is on YouTube also

I have April international for the past 5 years. Not yet made a claim. Just wondering, does anyone have experience maing claims with April?

Self insurance

Wr life is what I use.

I heard about Bangkok Hospital having an insurance arm, which makes absolute sense as they have hospitals all over and if they are insuring you also means that they aren’t going to run up bills if not required. My logic.

I use Genki. Good coverage. Reasonable price. I have heard many good things about them.

AXA, AIA, Allianz are all good legitimate companies. Not cheap though.

Try AXA Thailand. This is the direct link for visa OA -

Higher excess but cheaper premium

A question I have,

In a claim situation, do the insurance companies check back and investigate your medical history in your home country?

So could you forget to mention some condition or event in your non-Thai life which will later be found out and bite you?

Just make sure they are registered with the OIC before you buy lot of scammers be careful

Not easy to be covered 67 and have put two million aside for that dreadful day I don’t do scooters and live in rural Thailand waste of money insurance as they will do anything not to pay if you have a couple of underlying problems am on meds which are cheap out here get an mot done very cheap in the korat university hospital

Best is funds in a bank.

After 70 they will give you little.

The problem is if you have any health issues blood pressure, Diabetic etc they wont insure any of these issues making the insurance useless. They will trawl through your history to find a reason not to payout so be carful to come clean about any underlying health problems.

I find it bizarre that people don’t thoroughly research subjects before making significant life decisions. 😁

If you apply for retirement visa, there is a insurance companies list in the requirements, no any insurance company are acceptable

I use AXA, pay about $279 a month, my deductible is $3000.00, so it is more for catastrophic issues, I figure I can always keep $3000.00 in the bank. It does cover cancer, but not preexisting conditions, but they told me I didn’t have to answer some of the questions. But why risk them turning down a claim

Allianz Ayutthaya .you can always come to me for advices.

A immigration officer told me, also for O-Visa holder a health insurance is a must.... coming soon!! Same as OA visa already.

None

Pay for it in cash yourself it's cheaper that way it's not expensive health care over there

Your own savings are your best insurance in an emergency.Everything else is a gigantic rip-off.Why else do you think insurance companies are the most profitable businesses in the world?Half the sporting stadiums in the World are named after them now 🙄

From what I've seen Safety Wing seems to be one of the best. But whatever you do, don't listen to the people who suggest you don't need it. Not only is it a requirement for most retirement visas, but anything could happen at any time. It's not worth the risk. You can typically get it for less than $200 a month even when you are in your 60s. 

self insured beats all. But only if you can afford it

I bought a WrLife insurance for my coming year in Thailand but I hope I will not need to use it.

Too many wise-a**s here…answer the question or move on..

Eat healthy, exercise 5 days per week, don’t drink alcohol & dont smoke cigarettes. No insurance needed

Hard to find,take your time and talk with many.

Easy to get,but hard when you need them...!

7-11

Pacific cross or ask a broker to compare what u need 👍

The one that pays claims.