Answered4 months ago
What is the best long-term health insurance for Thailand retirement visa holders?
What’s the best longterm health insurance company to go with for Thailand retirement visa?
Answer summary
When considering long-term health insurance for a Thailand retirement visa, there are multiple options available. Recommendations include local companies such as AIA and AXA, as well as international policies from firms like Cigna Global. Each insurance provider has its pros and cons, particularly concerning pre-existing conditions, age, and coverage options. It's advised to consult with local brokers for tailored options and to be aware that many Thai hospitals require upfront payment for services. Starting with a short-term travel insurance can give expats time to compare and assess their options.
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Colin *******
Be aware many local Thai Hospitals only accept cash, most International providers insist you pay up front and claim back.
Check with your insurer, before being admitted, otherwise you will get a hefty bill
Check with your insurer, before being admitted, otherwise you will get a hefty bill
Chris *********************
Axa
Eve *********
I highly recommend
@Sirina **************************************************************************
she sorted mine, they do direct billing too and much cheaper than SafetyWing and World NomadsJohn *********
Every Company has pro’s and cons.
No Pre-conditions or long term medication. A Thai Company via a local broker. AXA,AIA, Pacific Cross or Luma.
Otherwise you are best with an international health policy as they tend to be less fussy of such things.
Whatever you decide.
Do it in Thailand and travel initially on a Three month travel Policy which gives you options and time to consider them carefully
No Pre-conditions or long term medication. A Thai Company via a local broker. AXA,AIA, Pacific Cross or Luma.
Otherwise you are best with an international health policy as they tend to be less fussy of such things.
Whatever you decide.
Do it in Thailand and travel initially on a Three month travel Policy which gives you options and time to consider them carefully
David ********
An international policy from your home country,
Tony ***********
I use AXA
Erika ************
OPThanks😎
Chanya ************
I'm full time insurance manager. I would suggest insurance under Thai company, regulated by OIC. For more information feel free to contact me now on WhatsApp 0815395944
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Cris ******
Its rough. Every single company has had negative experiences and it is not as regulated like it is in the west. I went with Cigna Global and so far have had no issues, but they are a "premium" company so i cant imagine what it would cost for an older person, but ive still heard horror stories from them as well.
John *********
Cris Murl - I understand and accept that I was probably just unlucky. when I rocked up one day at Bangkok Hospital with what turned out to be Dengue. I was very unwell and trying to reason with some retard in the middle of the night at a call centre stateside was not the best experience I have to tell you. Especially when I was denied cover. So I self paid. That denial was wholly Incorrect. Very expensive Policy and the Customer service was truly appalling. When I really needed Cigna they were not there for me. Now use Luma who are so far superb.
Cris ******
John Kenealy yep. Perfect example. Jesus on Dengue too?! Glad you’re ok now though sorry to hear that happened.
NT ********
Cris Murl I use Cigna when in Thailand. Luckly i have not had to use it.Can you relate these horror stories you have heard or a link to these stories.
Cris ******
NT Benzie I’ve never had any negative experiences with them. But on some other health insurance threads people have told me about things like denials etc etc.
Sukanya ***********
I suggested an AIA local insurance company.
Peter *******
Back home health insurance, better regulations
Erika ************
OPWhat do u mean by back home?
Peter *******
Erika Swartzkopf The country you come from
Peter ********
There are many variables to health insurance, and many companies providing different coverage and options. What is best for one person may not suit others.
There are insurance brokers in the major expat areas that can provide quotes and comparisons.
There are insurance brokers in the major expat areas that can provide quotes and comparisons.
James *******
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James **********
2029 is a game changer. It's a long way out. What pre existing conditions? Age. Visa type? OA you have limited choices and must have it. Type O retirement, as you see fit. Lots of companies with lots of plans. Read up on it and try your questions closer to the move.
James **********
I believe all of them are in it to make money, not friends.
Erika ************
OPLovely, which is best according to your expertise?
James **********
Erika Swartzkopf if you are asking me, I self insure. What visa are you going for? OA? If so read what is required from the kingdom. I have the non O. I just carry some catastrophic coverage, and pay as I go. Some do, some don't. Up to you
Erika ************
OPThanks! Are there companies to steer clear of?
Robert *********
Erika Swartzkopf that's bad advise .
Younger you are ,cheaper and easier to get.
Younger you are ,cheaper and easier to get.
Erika ************
OPOk but I am not young so which company?
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