Also, many Thai insurance companies will not provide insurance once you reach a certain age. I have suggested to some Expat friends who cannot get health insurance because of age or preexisting conditions that they may wish to consider accident insurance. These policies are fairly cheap (around 3,000 baht). They do not cover illness, but if you are injured in an accident you will have some insurance to cover part or all of the cost. Some accident insurers may have age limits or provide policies for older age groups and all policies will have limits, so best to check around to find one that fits your needs. I did an AI search using Gemini and this is the result re older folks: Senior-Specific Policies (Ages 60–80+)If you are over 65, you are not locked out of accident insurance, but you will need to look for tailored "Senior PA" or "45 Plus" plans. Entry Age: Many major Thai insurers (such as AXA, Bangkok Insurance, and Tune) offer specialized senior accident plans with maximum entry ages ranging from 70 to 80 years old. Renewability: Some premium expat-focused providers (like Pacific Cross) or senior-specific plans allow you to renew your existing policy up to age 99 or 100, as long as you enrolled before their maximum entry cutoff. For premiums, the Gemini provided this: For seniors aged 55 to 80+, annual premiums generally range from 1,600 THB to 7,500+ THB per year depending on the total coverage limit and medical expense caps.
