In telling of my experience, others will learn some valuable information. Unfortunately, this information will not help some of the audience here.

I have a US passport, 68 yo, United Healthcare Medicare Advantage plan, no Thailand Health Insurance, Non-O marriage visa, live in Ratchaburi for 6 months each year.

Starting in mid-December I contracted a medical condition that sent me to the ER 5 times. 3 visits to Bangkok Hospital Ratchaburi, 1 visit to Ratchaburi Hospital and 1 visit to Bamrumgrad Hospital.

All of the claims that I submitted electronically to my US health insurance were paid. Some were reimbursed 100% and others around 80%.

Most US Medicare Advantage plans will reimburse you if you are overseas, except Puerto Rico and a few other exceptions. Care on a cruise ship is covered the same way. You are not covered if you are outside the US for longer than 6 months in that year.

I researched this in July 2024 and used it in December 2024 and January 2025.

Can anyone recommend an international health insurance?

Question I have not seen here yet , married to Thai lady , she is a retired government employee, we will be taking our marriage certificate to Thai embassy to get stamped and go forward with marriage visa for me . she said then she would send the marriage certificate to her government office and I would be covered under medical while here in Thailand . Has anyone experienced this ??

Hello, iam 10 month in Thailand and 2 month a year in germany where i have a home too. Iam searching for income health insurance for the 2 months stay in Germany. Iam a german and not sure if it is possible to take for exmple a thai healthcare holiday insurance for that. Has anyone experiences? Regards

Maybe you guys can help me understand the new 300 baht fee. Don’t get me wrong it’s not about the 300baht. From my understanding part of the 300 is to pay for medical bills of uninsured expats. So why do I need insurance to come? How did others get here without insurance?

Hmmmmmm