What type of medical insurance should US citizens working remotely in Thailand consider?

Something to keep in mind is that the out of pocket costs, unlike in the US, will usually be lower than a deductible of $4,000 or more for most medical services. You can pay for most medical procedures out of pocket, especially in countries with excellent healthcare like Thailand and Malaysia. So if you do get a plan, get one with a zero or low deductible for emergency major in-patient care, even if that means paying a higher premium. Most "digital nomads" and "slow travelers" go with either Safety Wing Essential or Genki Traveler.

If you need global coverage don’t go with any Thai company. The savings will not be worth it. IMHO

WRLife, get a quotation

If you will die, you will not care what will happen next.

Make sure u buy Catastrophic Care or you will be in big trouble. Get MediVac insurance as well. Pay everything else outta pocket

following! exactly in the same situation

Here you go , For digital nomads in your situation, most people move away from "travel insurance" like Aura and towards international private medical insurance (IPMI) because it offers higher limits and renewable cover. For catastrophic-only protection that works across Asia and worldwide (excluding the US to save on costs), plans from **Allianz Care**, **Cigna Global**, or **April International** are very common choices. At 56 and in excellent health, you can significantly reduce your premium by selecting a high deductible (e.g., $5,000 or $10,000), which effectively turns the policy into catastrophic-only coverage. To give you a better idea of what would fit, could you let me know: 1. Which specific countries in Asia will you be spending the most time in? 2. Do you have any specific requirements like coverage for adventure sports? 3. How urgent is this for you? You can ask yourself here : it’s ai (talk to us) with over 100,000 insurance related rows of data . No salespeople find and decide yourself 😉

Currently using Genki nomad insurance. Have made a few small claims under $1000 and never had any issues.

Auras itself is a sales platform (Aura Global FZ-LLC, registered in a Ras Al-Khaimah free zone, UAE). They don't underwrite their own policies. The actual carrier on the paper is "IC EIG LLC," licensed out of Anjouan, Union of the Comoros. The problem is that Anjouan's "Offshore Finance Authority" - the body that issued EIG's insurance license has been publicly disowned by the Central Bank of the Comoros as not having legal authority to license anyone. The IMF, World Bank, and FATF have all flagged Anjouan/Mwali licenses as essentially paper certificates with no real supervision behind them. So there's no functioning insurance regulator, no guarantee fund, no ombudsman to escalate to if a claim goes sideways.

May I recommend this as an agent?

Allianz is the No.1 insurance brand.

Travel insurance starts from just 185 USD per year.

Feel free to message me for more details