Answered4 days ago
What is the recommended maximum coverage for Thai health insurance for a 55-year-old expat without pre-existing health issues for under £100 a month?
The time has come to get some Thai health insurance what would be the recommended maximum coverage I should get . Age 55 no pre existing health issues . I'm looking at paying no more than £100 a month if possible ! Thanks for any advice
Answer summary
An expat aged 55 with no pre-existing health issues seeks advice on the recommended maximum coverage for Thai health insurance, ideally under £100 per month. Responses vary, with some suggesting specific insurers like AIA, Pacific Cross, and Bcare Brokers, while others warn against low-cost plans that may not offer adequate coverage for major health procedures. General sentiments highlight the importance of shopping around for the best options and considering a more realistic budget for comprehensive health coverage.
37 repliesnewest first
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Michael ********
I pay 88k Baht a year for 5 million cover inpatient extra cancer no limit and 200k life insurance. By the AIA Thailand. I'm 66.
Mark *********
My thought is that many companies offer cheap rates, but they are not great at paying out. Also, the benefit amounts are small and won't cover a majorly procedure .
Alastair *******
Insurance business model is about getting your money and paying out as little as possible. Public health care is ok in Thailand tbh. Don't stay in Thailand unless you have funds to pay for medical bills! Self insuring is the way to go.
Alastair *******
Insurance business model is about getting your money and paying out as little as possible. Public health care is ok in Thailand tbh. Don't stay in Thailand unless you have funds to pay for medical bills! Self insuring is the way to go.
Gary ******
Try Regency
Neil ********
Try pacific cross. Hope you dont have pre existing conditions. I have very well controlled diabetes and it was a complicted process. Reports from doctors and medical and long wait for decision.
Charoen *******
Thai health insurance is useless. All those AIA plans are useless for foreigners. All you will get "free" will be a outpatient visit and some meds if their budget covers it.Farang mug is completely clueless how health insurance works in Thailand. Most working Thais have health insurance bundled with life insurance and pay it for decades for private hospitals. (NOT ss insurance and 30b hospitals). Tou think your 35k AIA insurance will cover you
Faith *********
I suggest Bcare Brokers with offices all over Thailand. My broker is Max at the Phuket office. he represents many insurance companies and is well versed in foreigner needs. He can point you in the right direction. I ultimately went with Pacific Cross.
Faith *********
I suggest Bcare Brokers with offices all over Thailand. My broker is Max at the Phuket office. he represents many insurance companies and is well versed in foreigner needs. He can point you in the right direction. I ultimately went with Pacific Cross.
Martin *********
I think 100 a month is about right
Charoen *******
Thai health insurance is useless. All those AIA plans are useless for foreigners. All you will get "free" will be a outpatient visit and some meds if their budget covers it.
Farang mug is completely clueless how health insurance works in Thailand. Most working Thais have health insurance bundled with life insurance and pay it for decades for private hospitals. (NOT ss insurance and 30b hospitals). Tou think your 35k AIA insurance will cover you 😂 😂
Farang mug is completely clueless how health insurance works in Thailand. Most working Thais have health insurance bundled with life insurance and pay it for decades for private hospitals. (NOT ss insurance and 30b hospitals). Tou think your 35k AIA insurance will cover you 😂 😂
Guru *****
Charoen Krung how about you provide some options for people looking for health insurance?? People looking HELPFUL advice not this insurance sucks
Don't ***********
Charoen Krung they do, I've had an accident. The bill was 180k for two nights, I paid 30k and AIA 150k. Not even one year with them, and it would be fully covered if certain well known hospital didn't scam me with so many 'doctor visits' who just ask if I'm okay - the only thing that has limitations
I pay 24k a year
I pay 24k a year
NiftyTu********
Safety Wing with the Adventure sports add-on - £90 per month.
Pietra *******
Expat Mike is excellent I have excellent cover with WR Life £160 a month in and out patients
Pietra *******
@Expat *****
is excellent I have excellent cover with WR Life £160 a month in and out patients
Colin *******
Pietra Yunga Is WR life acceptable for retirement visa
Heikki **********
Colin Crane absolutely. I have had them for 4 years, IN patient only ( out patient cost disproportionately much) no problems what so ever with claims. I Recommend. AND max 3% increase of cost/year if you use/ have claims
Pietra *******
Colin Crane Yes mate a Thai company
Ant ***********
I’m 59
I have AXA Thailand
Inpatient only
50,000 baht a year
I have AXA Thailand
Inpatient only
50,000 baht a year
Stuart *********
Ant W Tailor Exactly the same as me. I used Tenzing to find the best deal for me. Not too expensive at
*****
baht annually for a 59 year old smoker with no deductions, inpatient only
Dora *******
Good luck with that
John **********
Look at the AIA Health Happy plans. Various coverage bands available from 1 to 25 million baht, it will at least give you an idea of the type of cover available. The 1 million baht plan is probably something around 35k baht per annum at your age and the 25 million baht plan around 75k baht per annum
Charoen *******
@John *********
These insurance plans are useless. Try to make a claim
Sylvia ********
Charoen Krung thai family members are with them and had several claims paid
John **********
@Charoen ******
I use AIA and have had them cover a hospital stay
Peter ********
***********************
Gaz ********
@facebook.com/A***************
Mon she is excellent
Andy **********
You won't get anything meaningful for £100 a month.
Try £500 to £1000 a month
Try £500 to £1000 a month
Martin *********
Andy Johnston are you joking £100 a month unless your a physical wreck
Gary ***********
Andy Johnston 100 a month is fine
Peter ********
Andy Johnston
1000 pounds a month. Sure
1000 pounds a month. Sure
Justin **********
OPAndy Johnston I have done some research you must have some serious health issues to be saying these amounts .
Paul ********************
Try AIA but think your being optimistic with you price point for decent insurance
Rachel *******
Its best to shop around as it depends on individual circumstances.
Speak with Pete at
They offer a free comparison service where you can see all providers, prices, cover etc.
Much easier than contacting individual providers
Speak with Pete at
****************************************
They offer a free comparison service where you can see all providers, prices, cover etc.
Much easier than contacting individual providers
Ron *****
Find an expat insurance broker who had access to many insurance companies.
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