What should I consider when re-entering Thailand on a DTV and health insurance requirements?

My parents(mid and late 70s) used this company, which is part of Liberty Mutual. The premiums eventually became too costly, so we cancelled the policies as they thankfully never had to make any claim and have access to the Thai public health system. Note that I’m not affiliated with the insurance company in any way.

What many people don’t realise is that in Switzerland we are used to paying health insurance that it at least fr400/month and generally much higher (around THB0 per year).

I would be surprised if you couldn’t fine a company willing to insure your relative at those levels. But, as others have mentioned, after exclusions this may not cover a lot. I would recommend talking to a couple of insurance brokers.

Here another very helpful group for Swiss Expats

Possible with Pacific Cross Thailand.

Just speak to the guys at

@Expat******

- a global broker with offices in the US, uk and Europe , really professional and only deal with reputable insurance companies

Try wr life or corus

70 seems to be a magic number and few Thai mainstream insurers will take on new cover 70+

However, with the right broker in your corner it’s certainly possible. 5M Cover minimum, 8000 room per day. Because you can expect a battle with the underwriter. Should you be fortunate enough to be in good health, no pre conditions and not on long term medication. A comprehensive medical is certainly helpful convincing an insurer that you are a worthwhile risk. You don’t need optical, dental or out patient cover. Negotiating a higher deductable will take down the cost.

I once used Cigna and they were truly dreadful.

The obvious alternative is to self insure. I would want 2.5-3M in the bank as a contingency minimum. Up to you.

KPT for expatriates outside EU. But it is a private contract and it could be expensive for a 75 years old. Check with them.

It's possible but it will be very expensive and have a lot of exclusions. It would probably be more economical to put money aside and self insure.

Hansemerkur might be an option. Tell him to get in touch with an insurance broker.

And if you do find one, you have no guarantee of future premium rises. Despite no claims Cigna tripled my premiums and said my birthday put me in a higher risk pool. Now I pay as I go.

Many Thai insurance companies won't take on new customers aged 75 or over and they usually stop providing cover at all once the insured hits 90. I seem to remember one taking on new customers up to the age of 80 but I'm afraid I can't remember their name