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What is the best medical insurance option for expats in Thailand?

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Mar 6, 2024

9 months ago

Kenneth ********

ORIGINAL POSTER

Has anybody bought medical insurance for while they’re in Thailand? ￼

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TLDR : Answer Summary

The post discusses various options for medical insurance suitable for expatriates residing in Thailand. Key suggestions include working with licensed agents, utilizing online comparison tools like Checkdi, and direct interactions with insurance companies. Users have shared personal experiences, highlighting different providers such as CIGNA and Pacific Cross, and the importance of understanding coverage for short-term versus long-term stays. Many recommend obtaining quotes based on individual needs, age, and health status, with emphasis on ensuring valid coverage during activities like motorcycle riding.

Michael *******

Short term or long term. If long term been using Pacific Cross for past 4 years reasonable and helpful - don’t ride scooter here without valid license or insurance is voided in the event you are hospitalized

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Marty *********

@Michael ******

Also a helmet

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Marty *********

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Adam *******

@Suphist ***************

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Jonathan *******

Yes, went directly through the companies rather than use an agent

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Yann *******

Check

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Nick ***********

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Myles *******

Yes. Take a look at Genki. I have a referral code should u need it

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Charles **********

Yes. I’ve just selected the gold package with CIGNA, effective 2 March

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Chris *****

@Charles *********

thanks for sharing. How much do you pay per month/ year in thb? 🙏

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Charles **********

USD 4,656 per year

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Charles **********

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Mike ********

I have BCBS Basic in the US and it covers me internationally

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Dean ***********

Does it reimburse you for medical expenses abroad, or does it pay the hospital directly? I’ve got BCBS Medicare advantage and go to Thailand once a year for a month. The plan is to move to Thailand in 3 years. I guess I should check with them on coverage for month long trips to Thailand

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Mike ********

I'm not sure if Medicare is covered. I think Medicare is only covered in the States. Hope this was helpful

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Mike ********

@Dean **********

I have BCBS Basic so far I've hadn't had to use it in Thailand but they told me if they don't bill the plan direct I have to pay and submit the bill's for reimbursement.

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Mike ********

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Marty *********

Yes. My US insurance covered me as a traveler but not as a long term resident of Thailand. I have a 10 million baht policy with a 40,000 baht deductible. I’ve never spent as much as 40,000 in a year. The insurance is for some catastrophic event. For routine medical care I am paying out of pocket.

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Kenneth ********

ORIGINAL POSTER

@Marty ********

what are your premiums

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Kenneth ********

ORIGINAL POSTER

All I see is a deductible and that you’ve never spent more than 40,000 so what are the premiums installments for a year?

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Marty *********

@Kenneth *******

It’s there if you read the comments of the person who asked the exact same question. 79,000 baht. 68 years old. Not much use unless you are me. You contact an insurance company or broker and explain your needs and then decide what you are willing to purchase.

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Marty *********

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Marty *********

@Kenneth *******

It is going to depend greatly on your age and coverage. I bought at 62. I am now 68

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Marty *********

@Kenneth *******

look above

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Marty *********

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Chris *****

@Marty ********

thanks for sharing. How much do you pay per month/ year in thb? 🙏

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Marty *********

Your cost will depend on your age, amount of coverage, and your health status

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Marty *********

79,000 baht per year

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Marty *********

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Stuart ***********

Yes.

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Henrik *****

For a short stay (less than 3 month)

TravelInsurance is better, since they cover repatiation.

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Rachel *******

Speak with

qualified financial advisor. Has access to 100's of providers so can find you the best prices and cover. Totally free consultation

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Ian ********

Have a look on Checkdi (Was Mr Prakan)for all your Thailand insurance requirements

You can compare policies and prices in it from the leading providers

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Robert ********

Yes you can do so easily. Whenever you work with agents make sure that they are licensed and not using the licensing of someone else. That being said you can usually work directly with the insurance companies to your advantage

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Ady ******

Use

@Robert ********

he is an agent for thai insurance

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Ady ******

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