Thai Expat Health Insurance

Health solutions for foreigners working in Thailand

health insurance

Navigating Health Insurance in Thailand: A Personal Journey with Thai Expat Club

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Do you need an insurance broker?

Hey there, I’m Wayne. Last October, I found myself back in Thailand for the second time, this time around on a private contract with my company.

Now, at 58, with a Thai wife and our adorable six-month-old bundle of joy, I quickly realized that the health plan provided by my company fell short of what I needed. It just didn’t give me the peace of mind I was after, especially if anything serious were to happen.

That’s when I decided to seek out something better, something that would stick with me even after I moved on from my current job. Enter Alan from Thai Expat Club. Let me tell you, his help was a game-changer.

Alan didn’t just throw a bunch of options at me; he took the time to walk me through everything, making sure I understood the ins and outs. Plus, he hooked me up with a company offering rates that were way more competitive than I expected, considering my existing group plan.

Throughout the whole application process, Alan was there, guiding me on things like deductible options and handling all the paperwork hassle-free. And get this – it didn’t cost me a dime.

When I received the offer from the insurance company, though, there were a few exclusions that had me worried. But with Alan and the team at Thai Expat Club in my corner, we managed to iron out those wrinkles, landing me a much-improved deal.

Honestly, I’m not exactly an expert when it comes to insurance stuff, but Alan made it all so clear and straightforward. Now, I’ve got a policy that not only covers me better but also gives me genuine peace of mind.

And here’s the cherry on top – the folks at Thai Expat Club even helped me set up a deferred payment plan until I was ready to foot the bill.

Based on my experience, I can’t recommend working with a broker enough. Next up, I’ll definitely be reaching out to Alan and the team to sort out coverage for my little one.

Insurance brokers like Alan bring a wealth of knowledge and experience to the table. They know the ropes, which means they can negotiate the best deal for you, tailored to your needs and budget.

So, if you’re feeling overwhelmed by all the insurance options out there, do yourself a favor and get in touch with a broker. Trust me, it’s worth it.

Disclaimer: This blog post reflects Wayne’s personal experience and is not financial or legal advice. Always consult with professionals before making any insurance decisions.

➤ Thai Expat Club offers access to affordable health and medical insurance for foreigners living, visiting, working or retiring in Thailand.  We deal almost exclusively with reputable companies such as Allianz Ayudhya, April, AXA, Cigna, Luma and Pacific Cross for a higher range of benefits at affordable prices.  We help clients avoid the confusion that comes from not being able to speak the language or communicate satisfactorily with staff in Thai Insurance Companies.   Our service is FREE and we often save people money by offering a plan more closely matched to their lifestyle and budget.

Contact Thai Expat Club today and let us help you with your health insurance requirements.

Tel. 089-897-9437 or visit our website: https://thaiexpathealth.com/

Health insurance for retirees in Thailand – Updated

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So you’ve made the decision to retire in Thailand and want to know your options regarding medical insurance.  You’ll be pleased to know that Thailand offers extremely high standards of medical care and is equipped to deliver even the most complex procedures.  However, in order to access these quality healthcare services, you’ll need private health insurance.

The good news is the costs are about half the amount you might pay for equivalent medical insurance in America, Australia or the UK.  There is also a range of options for health insurance plans starting with accident insurance for a mere $100 a year up to medical insurance with a full range of benefits at around $6,000 per year. Most of these health insurance policies are also international, meaning that your coverage extends to overseas travel or travel back to your home country for one to two months a year when you choose to return to catch up with family or friends.

Whilst health insurance for retirees is relatively affordable in Thailand it’s important to understand the restrictions insurance companies place on the starting age.  For example, people enrolling with Aetna before 60 or younger are guaranteed renewal for life and those enrolling between the ages 61 and 64 will be renewed to age 70.  If you are 65 yrs and miss the cut-off age for Aetna we offer options with our other insurance providers such as Cigna, Luma Health and Pacific Cross.   You can choose to include a deductible (meaning you pay any medical bills up to an agreed amount) which helps to offset the cost of the premium.  There are also discounts each year should you remain claim free in the previous 12 months which also helps offset your annual premium considerably.  However, it’s best to start your insurance before 70 years of age to keep premiums down.  It’s even better if you can start before 60 years of age to ensure any treatment or conditions you encounter in your 60s (while you are insured) continue to be covered by insurance as you enter your 70s, 80s and 90s.

While some insurance providers require a medical examination for new applicants 65 years and over (Pacific Cross requires a medical examination for new applicants 65 years of age and over), other companies such as Cigna and Luma usually require little more than a medical history or records of treatment.  Conditions such as diabetes and hypertension that can be controlled, but not cured are considered “pre-existing conditions” and will not be covered, just as a private insurance provider would not cover them in your home country.  However, cases of acute medical treatment which occurred more than 5 years ago will generally be okay.

Thai Expat Club offers access to affordable health and medical insurance for foreigners living, visiting, working or retiring in Thailand.  We deal almost exclusively with reputable companies such as Aetna, April, Cigna, Luma and Pacific Cross for a higher range of benefits at affordable prices.  We help clients avoid the confusion which comes from not being able to speak the language or communicate satisfactorily with staff in Thai Insurance Companies.   Our service is FREE and we often save people money by offering a plan more closely matched to their lifestyle and budget.

Contact Thai Expat Club today and let us help you with your health insurance requirements.

Tel. 089-897-9437 or visit our website: https://thaiexpathealth.com/

Useful Links

Medical Insurance in Thailand – Thai Retirement Helpers: Retiring in Thailand Made Easy (thailandretirementhelpers.com)

Health Insurance in Thailand – Thailand Retirement