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,,,
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:
[email protected] for MUangThai Insurance Allianz Ayudhya or
[email protected] 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)
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.
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.
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.
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.
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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