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LifeStories
7/14/2018 16:28 EST

I am moving to Thailand; am 74 years old and in good health - no chronic illnesses. Is it possible to obtain health insurance at my age for hospital stays only?

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ken24
7/15/2018 02:36 EST

I guess any coverage can come with a price here. Hospital stays are not that expensive compared to the Western World - I assume you might be looking for the medical costs while in the hospital. Good medical care can be top of the line here, but is getting more expensive and at 74 I don't know what might be available or worthwhile. I have seen some policies that cap the benefits so you are not covered so much for catastrophic or ongoing,,,

Shop around. Assume nothing, Ask questions.

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caughtintheact
7/15/2018 03:42 EST

First, you might want to check with your stateside insurer and see if they have a correspondent company in Thailand
Here are some companies to try:
This is a broker and their website, www.misterprakan.com, covers a number of companies, but not all.
Madon Angelica Padilla
International Sales & Marketing Manager
Tel: (+66)2-985-9123
Fax: (+66)98-747-7794
www.misterprakan.com
110/13 Moo 3 Ratthanathibet Road, Muang Nonthaburi, Thailand, 11000

Here are some contacts at local insurance companies:




for MUangThai Insurance
Allianz Ayudhya or

or
https://www.pacificprime.com/country/asia/thailand-health-insurance/



I don't know of any that will cover pre-existing conditions.

You can also do a web search for Thai health insurance for expats

You might also want to do a search for international health insurance for expats in Thailand

Where you plan to live is important. You need to be sure that hospitals that you might need are in the network of the insurer.

I don't know much about this one but it looks interesting https://www.thailandretirementhelpers.com/health-insurance-in-thailand/

Also, search for health insurance for expats in Thailand over 70. I am a few years older than you and have not been able to find any local insurer who will cover me, but I have not done a lot of research for that coverage, although if it exists it is likely to be quite expensive (by local standards at least)

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LifeStories
7/15/2018 14:20 EST

Thank you for your very informative response to my request on expat health insurance and Thai. As you may know, most international health insurance companies - when requesting a quote - limit their coverage to people under 70 years old. I have found none so far that will cover a healthy (no chronic illnesses) 74 year old. Thanks again.

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Thaihank
8/29/2018 09:15 EST

You can not be over 70 and get
Health insurance in Thailand. If
you were in the US military, you
can get insurance.

Thaihank

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caughtintheact
8/29/2018 12:44 EST

Where in Thailand can you get medical insurance if you were in the U.S. military?

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expat health insurance from CIGNA

Choosing an expat health insurance provider is an important decision. Get a quote from our trusted expat health insurance partner, CIGNA. With Cigna Global Health Options, you can create an international health insurance plan that's perfectly tailored for the needs of you and your family.

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suzanddave
5/19/2019 19:22 EST

there are new rules coming in this year. contact siam international to find out. nothing is set in stone yet. The cheapest we have found for a 69 year old is 88,000 bht per month. We will have to move to another country if we have to pay this.

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hawkesk
5/19/2019 21:37 EST

As with everything Thai, nothing is certain. The current wisdom is people _applying_ for an O-A visa will have to show evidence of insurance, and that only in the country's embassy in which they are applying. There has been no word about such a requirement for retirees _renewing_ "retirement visas" which are actually called an extension of stay. It is maddening that the requirements are changing drastically with little or no notice. To whit, the new requirement to have 800,000 baht in the bank two or three months before renewing the extension of stay then proving you didn't spend the money for three months after was thrown at us retirees practically overnight. After a real nice 15 year stay in Thailand, I'm starting to look at other countries that aren't this crazy.

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hawkesk
5/19/2019 21:39 EST

Thailand is currently changing their laws regarding retirees and health insurance. I'd seriously consider other options.

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caughtintheact
5/19/2019 21:39 EST

As of today, the new health insurance rules (THB 40K outpatient and THB 400K inpatient coverage) are supposed to start on 1 July 2019, and will initially only apply to people on an O-A visa, which one can only get by applying in the home country. See www.mfa.go.th › Home › Consular Services

An O-A is not an extension of stay for retirement (aka Non-O Retirement), which can only be obtained from within Thailand.

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oslooskar
5/19/2019 22:49 EST

I have Kaiser Permanente coverage from my home country that will cover me anywhere in the world. However, if the Thai authorities refuse to accept it, I will simply withdraw all my money from my Thai savings account and relocate elsewhere. After all, Vietnam and the Philippines are not far off.

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Viking65
5/26/2019 15:26 EST

You would absolutely love the Philippines! I just might wind up back there.

Al

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