lepik

@Canoodler You should look at thai insurance companies like "Thai Life" or "Muang Thai" and many others. For example "Health Fit DD" plan from Thai Life allows new members up to 80 years old to sign up and renewable up to 99 years old. Plans go from 1 to 30 Million baht in coverage. For example 5 million coverage between the ages of 76-80 costs 74289 thb per year with 50000 deductible. (I found a premium table with google: image link) or Muang Thai D Health Plus plan allow new members up to the age of 90 and renewable up to 99 years old. there is a calculator on their website here. It doesn't have a deductable option so it can get expensive the older you get. And there are more options that allows sign ups to the age of 80 (Bangkok Life, KrungThai-AXA, ) and I think FWD allows sign ups to the age of 75. And I think Allianz Ayudyha has some plans too that are available for old people. Quick tip: Even if an insurance company website has english version check out the Thai version, sometimes it has more plans. And not every plan is availabe at every age. They all will be cheaper than Cigna.

here is a more detailed article about the rules: link https://www.lexology.com/library/detail.aspx?g=86e6dff2-1d08-41f2-afdc-3ea15356c4c8 at first glance it does not look bad at all. it's pretty hard to be put on copayment, and major and critical illnesses are exempt. the way I understand it if you only use your insurance for really serious stuff for example heart attack, stroke etc. then you won't be affected. If you are someone who spend 3 days in the hospital every time you have diarrhea then you will have pay a copay 🙂

Sherly this information is out of date, since 2022 there is a new health insurance regulation in thailand called "New Health Standard". -It guarantees contract renewal (so the insurancy company can't kick you out if you make a big claim) -Forbids premium increases based on individual claim history (company can only increase premiums based on age, occupation and if there were lot of claims on a portfolio level so they have raise everyone's premium equally) These are pretty much the same as european regulations . This only affect new contracts so if you bought insurance in 2021 for example then still the horrible old rules apply. sources: in english SCB bank: https://www.scb.co.th/en/personal-banking/stories/protect-my-family/new-health-standard.html in thai AIA insurance: https://www.aia.co.th/th/health-wellness/new-health-standard in thai blog post: https://www.msmany.com/TH/product/newhealthstandard.html The only "catch" is in the "New Health Standard" that the insurance company can put you on copayment but only if the company reserves this right in the policy when you buy it (so read the renewal terms of your contract in thai). And copayment is limited to 30% per criteria but it can go up to 50% if you meet multiple criteria but can't go up higher than that. And if the company puts you on copayment then they have to give you the same amount of discount on your premium (so 50% copayment means 50% discount on your premium) and if you do not meet any copayment criteria the next year then the company has to remove the copayment.