Health Insurance

[Londoner]

Has anyone any recommendations regarding full health insurance for expats in Thailand?

[sydneyboy1]

I have asked this question of a few ex pats I have met in Thailand. Virtually all have pre existing conditions that make health insurance unattainable. They are relying on savings to get them through a health crisis and just hoping for the best.

[TMax]

Have no idea really but was looking once before in case I moved over there and my search brought up Pacific Cross, can't say what they're like or even if they're any good but they  mention pre existing and the fact they cover people over 60. Could be worth a read at least.

Pacific Cross health insurance

[Travelingguy]

I wonder what @bkkmfj2648 would say about this question.

[Patanawet]

6 hours ago, sydneyboy1 said:

I have asked this question of a few ex pats I have met in Thailand. Virtually all have pre existing conditions that make health insurance unattainable. They are relying on savings to get them through a health crisis and just hoping for the best.

There are many brokers advertising on Facebook in Thailand for people with pre- conditions AND up to the age of 100 years.
I was close to using one (WRLife) when I chickened out at the last moment because I couldn't find any reports of how they responded to actual claims. That may be due to my lack of Googling enough.
The one I looked at fairly closely was WRLife. They have brokers in Pattaya.
I think (from memory) they had schemes from as low as 7K Baht per month.
Just mention on Facebook that you are looking for health insurance in Thailand and their algorithm will maybe flood you with ads.

[Londoner]

Thanks guys; a difficult question. I need advice and I am being quoted $1300 pm for full coverage. I have the usual elderly man problems but have yet to be asked to list them. I cannot forget my American buddy whose  US insurance  let him down when he was being treated for cancer. He died in squalid conditions without proper treatment in a public ward.

[sydneyboy1]

2 hours ago, Patanawet said:

There are many brokers advertising on Facebook in Thailand for people with pre- conditions AND up to the age of 100 years.
I was close to using one (WRLife) when I chickened out at the last moment because I couldn't find any reports of how they responded to actual claims. That may be due to my lack of Googling enough.
The one I looked at fairly closely was WRLife. They have brokers in Pattaya.
I think (from memory) they had schemes from as low as 7K Baht per month.
Just mention on Facebook that you are looking for health insurance in Thailand and their algorithm will maybe flood you with ads.

The problem with insurance of any kind is that you hope you will never need it but only find out how good a company is when you make a claim that you wish never happened. The great conundrum with insurance. 

[MaxBKK]

In my opinion, the health insurance industry is regulated to heavily favor industry rather than consumers. If you are older and retired, it's probably best to plan on self insuring.

There are also very good government hospitals that offer after hours clinics for very reasonable prices. In essence, they function like a private hospital during evening hours. Ramathibodi and Chula are good examples of this. I'm registered and seek health care at both places.  Not difficult to do...and a good deal.