What should I know about medical insurance for pre-existing conditions before moving to Thailand?

Normally all risk factors for „cardiovascular diseases“ like high blood pressure and (even slightly increased cholesterol or triglycerides) lead to an exclusion of those diseases like heart attack, stroke and similar…..

What visa are you applying for that needs insurance??with preexisting conditions your probably throwing your money away if anything happens they’ll blame it all on that.

Call this guy ‪+66 98 289 9961‬



James Nale

He sort out good Insurance Company on the list

As refused by another with similar pre existing but was refused because my BMI Ewas too high

So had to massage my stats ie loose weight and grow a few cm to get a BMi below 30 (can do a check on nhs website)

Just waiting now for my cert. Now

Its a policy created to get you through the Visa process

Having any preexisting conditions is going to have massive effects on your ability to get insurance

Don’t ignore that

It should have been one of the first things that you took care if before getting your heart set on moving

For high blood pressure or high cholesterol, some insurers may still offer coverage if the condition is controlled, sometimes with adjusted premiums depending on the case.

For serious illnesses diagnosed after the policy starts, coverage usually applies once waiting periods are met. The insurer will review medical history during the claim, but if there was no prior diagnosis or treatment before the policy began, it’s typically covered according to the terms.

Thai insurance is notoriously bad, especially when it comes to excluding pre-existing diseases and potential diseases you donMt even have yet.

Non O Visa aply from abroad without

insurance .....after you have enough time to choose insurance

Insurance cover costs have 2 big variables:age and medical history. Certain conditions are excluded from the policy- this may included well-known related conditions even if you do not currently suffer them, others are excluded (and related conditions) but have a significant impact on premiums.

Medication prices tend to be lower in Thailand and many things do not require a prescription that would elsewhere. Generics in particular can be cheaper. Other medicines more reflect international prices (although typically much lower than US).

Healthcare costs can be cheaper but many private and international hospitals are closer to international prices.

You need to research and shop around. Your precise circumstances will make a difference.

pre existing conditions are almost never covered . Saying that it is a case by case situation with some insurance companies eventually covering after a few years and no mishaps ….. I do not have any pre existing conditions but I did find

@Insurance ********************************

to be quite straightforward and informative when I got my insurance …. They are worth a try …

This is why many smart people self insure. The costs for surgeries and medical treatments in Thailand are much lower.The same level of care at a fraction of the cost.

I have T2 diabetes, everyone refused to cover heart attack, stroke, renal, kidney , liver and eyes. wanted 70k per year, i asked what do you cover? the answer was cancer. I laughed and hang up. total rip off

Underlying disease can cause other big problems. Such as heart attack, stroke etc..

You should read insurance policy very careful to be sure that there wont be any tricks.

I asked about this to broker once. She said not cover.

What visa are you looking at? The Non-O visa doesn't require insurance.

Medicines for what you mentioned are over the counter here. My BP meds cost me 210 Bhat for 60 day supply.

Have a look at AIA.

Very difficult to find a policy in Thailand that will cover pre-existing

Does high cholesterol & blood pressure push up premium? Or, is it just that you need to buy the medication yourself? I ran out of Ramipril (UK BP med) on last trip and had to buy something at pharmacy but could not get Ramipril itself - had to take a different one which I later found out was not the same