Why long-term expats in Thailand say insurance is worth every baht

[CharlieH]

 

There’s no denying that Thailand's warm climate, affordable cost of living, and excellent healthcare system make it an attractive destination for many long-term expats, including retirees and remote workers. 

But despite the affordable living costs, medical expenses can add up quickly, especially if you end up needing extensive treatment, as Thailand’s private hospitals can be expensive without insurance. This makes health insurance a smart investment, offering peace of mind, quick access to quality care, and protection for your savings. 

For anyone planning to stay in Thailand long-term, having health insurance is undoubtedly a wise decision.

Healthcare Costs Can Be Unpredictable

Thailand’s private hospitals are highly regarded for their excellent care, advanced technology, and staff who speak English. However, costs here can quickly add up. Treatments can range anywhere from 50,000 to 200,000 Thai Baht (approximately US$1,500 to 6,000).

 

Average costs at private hospitals may include:

• Regular doctor’s visits: 1,000–2,500 baht (US$30–80)

• Specialist consultations: 1,500–4,000 baht (US$45–120)

• Minor surgeries: 5,000–15,000 baht (US$150–450)

• Full health check-ups: 3,000–10,000 baht (US$90–300)

• Ambulance services: 2,000–5,000 baht (US$60–150)

• A single night in the hospital: 4,000–10,000 baht (US$120–300), excluding treatment

• Major surgeries like heart bypass: US$20,000, hip replacement: US$12,000+, knee replacement: US$10,000+ 

 

For long-term illness or regular specialist care, these costs can become a financial burden. That’s why many expats choose to use international insurance providers like Cigna, which covers hospital bills directly, so you don't need to worry about paying upfront. 

 

 

With Cigna’s 24/7 support and easy claims process, you can avoid the hassle of large bills and access quality care when needed.

Why Do You Need Insurance?

One significant health issue, no matter if it's an accident or an illness, can rapidly deplete your savings if treated at a private hospital. Consider the following examples:

 

• Treatment for a motorbike accident (common among expats): US$6,000–60,000, depending on the injuries

• Hospital stay for dengue fever: up to US$2,500

 

Covering these medical bills without insurance could lead to tough decisions about the care you receive. Health insurance helps protect you from these big, unexpected costs and typically covers:

 

• Emergency treatment

• Planned surgeries

• Specialist visits

• Ongoing care for long-term conditions

• Preventive check-ups

• Medical evacuation, if necessary

 

Having comprehensive health insurance means you can live in Thailand without the fear of large medical bills. With insurance, you can focus on enjoying life, knowing your health and finances are covered.

Staying Healthy with Full Insurance Coverage

Good health insurance in Thailand doesn’t just cover emergencies; it also helps you stay healthy in the long run. Many plans include preventive services, such as:

 

• Routine doctor visits

• Vaccinations and screenings

• Regular health check-ups

 

These services help catch health problems early, reducing the risk of serious illness and preventing expensive treatments down the road.

 Additionally, many plans, like Cigna’s, include mental health support. Moving to a new country can be stressful, and access to psychological care, either in person or online, can help you adjust and feel comfortable.

Another advantage of comprehensive health insurance is the option to seek second opinions. If you’re ever unsure or worried about a diagnosis, you can consult with international experts for reassurance or alternative treatment suggestions.

Insurance for Visas and Long-Term Stays

If you're planning to stay long-term in Thailand, health insurance is often required or highly recommended. For instance, if you’re applying for a retirement visa (Non-Immigrant O-A or O-X), you must show proof of health insurance.

Since October 2021, the Thai government has mandated that expats applying for these visas have insurance with at least 3 million baht for hospital treatment. This insurance must be kept active each time you renew your visa. 

Having trusted international insurance like Cigna can make the visa process smoother, as their policies meet and even exceed the government’s insurance requirements. 

They provide the necessary documentation that immigration officers will accept, ensuring you won’t face delays or complications. Cigna also communicates directly with immigration offices to confirm your coverage.

What to Look for in a Good Health Insurance Plan?

When selecting health insurance in Thailand, especially as an expat, there are a few key features to check:

1. Coverage limits and exclusions: Ensure the plan covers significant expenses like hospital stays, surgeries, and long-term care. Be sure to read the exclusions to know what’s not covered.

2. Direct billing: Opt for a plan with direct billing to top private hospitals. This eliminates the need for you to pay upfront.

3. International coverage: If you travel frequently or spend time in multiple countries, choose a plan with international coverage. Some plans cover emergency care in your home country or worldwide (often excluding the USA).

4. Reputation of the insurer: Always go with a trusted, reliable insurer known for good customer service. Look for one that specialises in helping expats in Thailand.

Why Many Expats Trust Cigna

Cigna’s Global Individual Health plans are popular for expats because they offer:

• High annual coverage limits starting at US$1 million

• Coverage for chronic conditions, preventive care, and mental health support

• Flexible options (Asia-only, worldwide excluding the USA, or full worldwide cover)

• Direct billing with leading private hospitals, saving you time and stress

With this combination of extensive coverage, easy service, and international support, Cigna is a top choice for expats who want peace of mind while living in Thailand.

 

 

 

Sponsored 

[Kingfishing]

Health insurance allows hospital to charge more whether you have insurance or not.

[newbee2022]

9 minutes ago, Kingfishing said:

Health insurance allows hospital to charge more whether you have insurance or not.

Confusing (and wrong) post !

If I have an insurance the hospital bill would be paid, no matter how much.

If I don't have an insurance you'll pay out of your pocket, which might be several millions.

Do it's quite obvious it's better to have a proper insurance. No doubt about it.

[mfd101]

And then there's public hospitals. Very cheap.

[vukovar77]

Not true. Health insurance is very costly here.

[Thingamabob]

83 years old, going on 84. No insurance for many years. So far, so good.

[shackleton]

If you are under 70 years old then yes it's worth having Health insurance

Over 70 with Pre -existing  conditions might not be so 

[WDSmart]

I'm a "long-term stay expat." I've lived in Thailand for over 20 years. I've never had health insurance and have gone to both private and public hospitals for treatments. Thankfully, my health has been good. I'm almost 80 now.

I have always found the health treatments in Thai public hospitals to be very good, although the wait to see a doctor is long, and the accommodations if you have to stay a couple of nights are not as good as those in private hospitals. Although I don't know this as fact, I've been told that most doctors in private hospitals are mandated by the government to also work in a public hospital a few days a week. I can tell you that I've been treated by the same physician in both the local public hospital and a local private hospital.  The cost for everything in public hospitals is much, much less than in private hospitals. I'd estimate 10 to 20% of the private hospital cost.

So, I've been very satisfied with the medical treatment I get in public hospitals and don't ever intend to buy health insurance. I'll go to a private hospital for minor things, but for anything major, will go to a public hospital. 

[portisaacozzy]

22 hours ago, CharlieH said:

 

There’s no denying that Thailand's warm climate, affordable cost of living, and excellent healthcare system make it an attractive destination for many long-term expats, including retirees and remote workers. 

But despite the affordable living costs, medical expenses can add up quickly, especially if you end up needing extensive treatment, as Thailand’s private hospitals can be expensive without insurance. This makes health insurance a smart investment, offering peace of mind, quick access to quality care, and protection for your savings. 

For anyone planning to stay in Thailand long-term, having health insurance is undoubtedly a wise decision.

Healthcare Costs Can Be Unpredictable

Thailand’s private hospitals are highly regarded for their excellent care, advanced technology, and staff who speak English. However, costs here can quickly add up. Treatments can range anywhere from 50,000 to 200,000 Thai Baht (approximately US$1,500 to 6,000).

 

Average costs at private hospitals may include:

• Regular doctor’s visits: 1,000–2,500 baht (US$30–80)

• Specialist consultations: 1,500–4,000 baht (US$45–120)

• Minor surgeries: 5,000–15,000 baht (US$150–450)

• Full health check-ups: 3,000–10,000 baht (US$90–300)

• Ambulance services: 2,000–5,000 baht (US$60–150)

• A single night in the hospital: 4,000–10,000 baht (US$120–300), excluding treatment

• Major surgeries like heart bypass: US$20,000, hip replacement: US$12,000+, knee replacement: US$10,000+ 

 

For long-term illness or regular specialist care, these costs can become a financial burden. That’s why many expats choose to use international insurance providers like Cigna, which covers hospital bills directly, so you don't need to worry about paying upfront. 

 

 

With Cigna’s 24/7 support and easy claims process, you can avoid the hassle of large bills and access quality care when needed.

Why Do You Need Insurance?

One significant health issue, no matter if it's an accident or an illness, can rapidly deplete your savings if treated at a private hospital. Consider the following examples:

 

• Treatment for a motorbike accident (common among expats): US$6,000–60,000, depending on the injuries

• Hospital stay for dengue fever: up to US$2,500

 

Covering these medical bills without insurance could lead to tough decisions about the care you receive. Health insurance helps protect you from these big, unexpected costs and typically covers:

 

• Emergency treatment

• Planned surgeries

• Specialist visits

• Ongoing care for long-term conditions

• Preventive check-ups

• Medical evacuation, if necessary

 

Having comprehensive health insurance means you can live in Thailand without the fear of large medical bills. With insurance, you can focus on enjoying life, knowing your health and finances are covered.

Staying Healthy with Full Insurance Coverage

Good health insurance in Thailand doesn’t just cover emergencies; it also helps you stay healthy in the long run. Many plans include preventive services, such as:

 

• Routine doctor visits

• Vaccinations and screenings

• Regular health check-ups

 

These services help catch health problems early, reducing the risk of serious illness and preventing expensive treatments down the road.

 Additionally, many plans, like Cigna’s, include mental health support. Moving to a new country can be stressful, and access to psychological care, either in person or online, can help you adjust and feel comfortable.

Another advantage of comprehensive health insurance is the option to seek second opinions. If you’re ever unsure or worried about a diagnosis, you can consult with international experts for reassurance or alternative treatment suggestions.

Insurance for Visas and Long-Term Stays

If you're planning to stay long-term in Thailand, health insurance is often required or highly recommended. For instance, if you’re applying for a retirement visa (Non-Immigrant O-A or O-X), you must show proof of health insurance.

Since October 2021, the Thai government has mandated that expats applying for these visas have insurance with at least 3 million baht for hospital treatment. This insurance must be kept active each time you renew your visa. 

Having trusted international insurance like Cigna can make the visa process smoother, as their policies meet and even exceed the government’s insurance requirements. 

They provide the necessary documentation that immigration officers will accept, ensuring you won’t face delays or complications. Cigna also communicates directly with immigration offices to confirm your coverage.

What to Look for in a Good Health Insurance Plan?

When selecting health insurance in Thailand, especially as an expat, there are a few key features to check:

1. Coverage limits and exclusions: Ensure the plan covers significant expenses like hospital stays, surgeries, and long-term care. Be sure to read the exclusions to know what’s not covered.

2. Direct billing: Opt for a plan with direct billing to top private hospitals. This eliminates the need for you to pay upfront.

3. International coverage: If you travel frequently or spend time in multiple countries, choose a plan with international coverage. Some plans cover emergency care in your home country or worldwide (often excluding the USA).

4. Reputation of the insurer: Always go with a trusted, reliable insurer known for good customer service. Look for one that specialises in helping expats in Thailand.

Why Many Expats Trust Cigna

Cigna’s Global Individual Health plans are popular for expats because they offer:

• High annual coverage limits starting at US$1 million

• Coverage for chronic conditions, preventive care, and mental health support

• Flexible options (Asia-only, worldwide excluding the USA, or full worldwide cover)

• Direct billing with leading private hospitals, saving you time and stress

With this combination of extensive coverage, easy service, and international support, Cigna is a top choice for expats who want peace of mind while living in Thailand.

 

 

 

Sponsored 

Im 91 and cant get it any where.

[yankyoakum]

I have a Xpat friend who has been here for 30+ years, he had what he said was very good insurance until he used it. Pre-existing condition shot him down. He went to another company (this one is really good says he) same deal Ok till he needed it. Then denied due to pre existing conditions. We're all over 70 yrs old and personally my entire body is Pre-existing condition. I will use local hospital when necessary.  I have funds stashed for when the time comes and will continue to pay as we go.  Dealt with the same BS in USA and learned the hard way.. 

[Searat7]

I had health insurance here till I was 65. I think most older people will find the cost 

to be very high with limited coverage because of pre existing conditions. I choose to self insure and spend a few months a year in USA where I can get things done with Medicare. 

[Will B Good]

 

 

Am I looking at the right thing......cheapest quote £500 pm......seriously?

[Packer]

4 hours ago, newbee2022 said:

If I have an insurance the hospital bill would be paid, no matter how much.

If I don't have an insurance you'll pay out of your pocket, which might be several millions.

 

You'll possibly still be out of pocket for several millions, plus the premiums you paid, when they refuse to cover you. 🙂 

 

I'm sure that Thai insurance companies are falling over themselves to pay out millions of baht to a foreigner on a 12 month visa extension rather than making an excuse and keeping it and their premiums. 🙂

[newbee2022]

4 minutes ago, Packer said:

when they refuse to cover you. 🙂 

Why should they?

[Dilligaph98]

Total nonsense. As a long-term (non-imm) resident, I ditched health ins. several years ago as it simply does not add up financially. I'm not even hitting on my previous insurer, but the premise of your title is completely wrong.

 

[Packer]

28 minutes ago, newbee2022 said:

Why should they?

 

Because they are an insurance business. 🙂

 

Paying out millions to an alien on a 12 month visa extension.... yeah, would love to see the official stats on that! 😅🤣 

[Bday Prang]

4 hours ago, vukovar77 said:

Not true. Health insurance is very costly here.

indeed, anybody who can afford it doesn't really need it

[newbee2022]

24 minutes ago, Packer said:

 

Because they are an insurance business. 🙂

 

Paying out millions to an alien on a 12 month visa extension.... yeah, would love to see the official stats on that! 😅🤣 

Because they are an insurance business. 🙂

 

Do you want to express they are all criminals?

[JoePai]

5 hours ago, Kingfishing said:

Health insurance allows hospital to charge more whether you have insurance or not.

Nonsense - False !!

[JoePai]

3 hours ago, WDSmart said:

I'm a "long-term stay expat." I've lived in Thailand for over 20 years. I've never had health insurance and have gone to both private and public hospitals for treatments. Thankfully, my health has been good. I'm almost 80 now.

I have always found the health treatments in Thai public hospitals to be very good, although the wait to see a doctor is long, and the accommodations if you have to stay a couple of nights are not as good as those in private hospitals. Although I don't know this as fact, I've been told that most doctors in private hospitals are mandated by the government to also work in a public hospital a few days a week. I can tell you that I've been treated by the same physician in both the local public hospital and a local private hospital.  The cost for everything in public hospitals is much, much less than in private hospitals. I'd estimate 10 to 20% of the private hospital cost.

So, I've been very satisfied with the medical treatment I get in public hospitals and don't ever intend to buy health insurance. I'll go to a private hospital for minor things, but for anything major, will go to a public hospital. 

I am only in my mid 70's but have had 2 major surgeries - thankfully I have Medical Insurance !

[mfd101]

Question: I'm on OA annual extension of stay & I have expensive health insurance with PC (around 80000฿ p.a.with a number of non-life-threatening exclusions & I pay the first 60000฿ or something like that). Am I right in thinking - 100% right, no mistakes - that the OA conditions no longer require health insurance?

 

If that's correct, I'm thinking I won't renew in October.

 

[Age 76, good health & determined to stay that way (decent food + physical & intellectual exercise), only 2kms from good-quality large public hospital here in Prasat to which people go from all over Surin, good (Chinese-Thai) doctor locally - pleasant & effective. Had a mole removed from my leg 3 or 4 years ago in that hospital with that doctor, in & out in 20 minutes, 4000฿]

[sungod]

5 hours ago, Kingfishing said:

Health insurance allows hospital to charge more whether you have insurance or not.

No it doesn't

[JoePai]

23 minutes ago, mfd101 said:

Question: I'm on OA annual extension of stay & I have expensive health insurance with PC (around 80000฿ p.a.with a number of non-life-threatening exclusions & I pay the first 60000฿ or something like that). Am I right in thinking - 100% right, no mistakes - that the OA conditions no longer require health insurance?

 

If that's correct, I'm thinking I won't renew in October.

 

[Age 76, good health & determined to stay that way (decent food + physical & intellectual exercise), only 2kms from good-quality large public hospital here in Prasat to which people go from all over Surin, good (Chinese-Thai) doctor locally - pleasant & effective. Had a mole removed from my leg 3 or 4 years ago in that hospital with that doctor, in & out in 20 minutes, 4000฿]

I was also in good health until cancer struck !

[mfd101]

39 minutes ago, JoePai said:

I was also in good health until cancer struck !

Life is about probability not certainty.

[JoePai]

Correct which is why one should have insurances

[MrPhysio]

Interesting set of answers.

 

The ‘article’ is a sponsored advertisement from Cigna.

 

An advertisement is not going to cover the negatives compared to the positives.

 

Bottom lines:

 

1. Know your pre-existing conditions and expect an interpretation that the condition will bar you from a payout, no matter how insignificant.

2. You already know your age. If over 70, there is very little hope for you to obtain a policy worth the premium or risk of refused payouts.

3. If you have the money for a very expensive policy, you may as well self insure, by putting aside a chunk of income for unforeseen illness treatment.

4. The bigger the hospital bill the harder an insurer/underwriter will try to find a way not to pay.

5. Insurers get you to list major pre-existing conditions, because they tag your conditions to a long list of other risks you do not know about and then you have claims refused.

6. Failure to disclose a risk will be used against you, even if you did not realise that minimal or trivial risk could be tagged to other problems.

7. People are warned about under insuring, but there is no way to fully insure for all eventualities, even if you could afford it.

8. And once you declare anything, it is on your record for life and will be used to deny your claim.

9. If you still wish to insure, check websites for your intended insurer which show listed difficulties people have when claiming, along with long approval delays. There are websites that independently rate and list claims problems along with the poor behaviour of some companies. Note: some companies provide false testimonials on their websites, to balance or counter the real complaints.

 

Other insurers are known scammers with small offices and registered in very dodgy locations.

 

Do your research and try not to get caught - including by the bigger companies where there are well documented scandals associated with illegal or questionable claim denials. 

 

[Bday Prang]

23 hours ago, portisaacozzy said:

Im 91 and cant get it any where.

off topic   the thread is about health insurance   lol

[deadbeat]

If they can find a way to not pay, then they will.

I've never had insurance, kept healthy and did the right things. I'm so far in front of the game it's not worth bothering about, I'll take my chances and see what happens.

My money stays in my pocket.

[Bday Prang]

On 7/30/2025 at 12:20 PM, CharlieH said:

A single night in the hospital: 4,000–10,000 baht (US$120–300), excluding treatment

400 bt here in Surin   

[spidermike007]

Absolutely incorrect, there's nothing about long-term healthcare insurance that's worth it. The tremendous degree of satisfaction I get out of denying the medical mafia my annual premium is worth it, in and of itself. 

 

And in Thailand I consider the healthcare system to be good and I think they have some of the best public hospitals in the world, that are very reasonable. I've had the need to use them a few times and the results have always been satisfactory, and the cost has been below what I expected. And the tens of thousands of dollars that I've saved in premiums has made self-insuring well worth it.