The topic should be more complete: Why long-term expats in Thailand say insurance is worth every baht, sponsored by Cigna 😉

On 7/31/2025 at 8:11 AM, Kingfishing said:

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

Right. hospitals, a bunch of fee's gauging if I ever saw one.

On 7/31/2025 at 8:33 AM, mfd101 said:

And then there's public hospitals. Very cheap.

Ok, if you enjoy queueing 8 hours in the heat just to get an Xray, and repeat to see the doctor...

I gave up on my health insurance, I never used it, price went up-up-up the more years I paid for it – I probably also got older... – wate of money, so instead I save the funds in a "rainy day" bank account...

On 7/31/2025 at 8:44 AM, vukovar77 said:

Not true. Health insurance is very costly here.

67yrs old, US citizen living in LOS (so no Medicare coverage overseas), no major maladies, in half-way good shape.  Have a large international company for my medical plan.  Covers everywhere in the world except the US with $1,000,000 USD coverage but has a $7,500 USD yearly deductible and does not cover anything unless I spend the night in the hospital.  Costing me $355 USD per month, which I think is high.

 

The reason I feel it is high is that I fell in a freak accident slipping off the runner of a high 4wd truck and breaking my humerus in 3 places 2 yrs ago.  Had to have a stabilization plate put in, full knocked out surgery, so the 3 breaks would heal straight, BKK hospital where my insurance is good.  When all was said and done, cost $7,450 USD which was below my deductible so all out of pocket.  If I just pocketed the insurance $ I could self-insure but I am unsure about the cost of recovering from something truly bad such as heart surgery or a major accident.  Anyone familiar with the costs of such major things?  As always, thanks in advance.  

21 hours ago, Peter Crow said:

Ok, if you enjoy queueing 8 hours in the heat just to get an Xray, and repeat to see the doctor...

The MR of my leg I paid 6600 BHT. In a private hospital same MR was 40000-50000 BHT. Besides, I was waiting 2 hours in Bang Lamung hospital for an X-ray for only 3000 BHT(leg and arm). Yes, you must wait, and you will save a lot of money! In a private hospital X-ray is from $223-400$ X 2  as far as I know.

56 minutes ago, DrPhibes said:

  If I just pocketed the insurance $ I could self-insure but I am unsure about the cost of recovering from something truly bad such as heart surgery or a major accident.  Anyone familiar with the costs of such major things?  As always, thanks in advance.  

spent 3 months in hospital... bill was 5 million (+ 2 more visits same year for another million).

I'd be screwed with insurance.

Someone who is self-insured (as the term relates on here) has the possibility to say that I have saved (tens of) thousands of dollars by not having insurance.

 

Someone who has insurance has the possibility to say that I have had claims paid (tens of) thousands of dollars in excess of total premiums paid over many years.

 

But only maybe.

Health insurance can be very expensive and it is not always guaranteed that they will pay up especially if you have had previous health issues no matter when they occurred in you life.

On 7/31/2025 at 2:54 PM, mfd101 said:

Life is about probability not certainty.

hence the difference between assurance and insurance   ..... I think

42 minutes ago, Bday Prang said:

hence the difference between assurance and insurance   ..... I think

Actually the commercial exploitation of that small difference was invented by the Prudential Assurance Co. almost 2 centuries ago. A minor selling point, I guess - you're insured against what you can be assured of, namely death. My father was one of the reps in NZ in the late 40s-70s ('The Man from the Prudential'). 

Genki is the best insurance by far, if you're under 69 years old.

 

Incredible cover, only costs me 109 USD. Small price for peace of mind.

 

After 69 I'll do a Khun Per and  save to self-insure.

9 minutes ago, mfd101 said:

Actually the commercial exploitation of that small difference was invented by the Prudential Assurance Co. almost 2 centuries ago. A minor selling point, I guess - you're insured against what you can be assured of, namely death. My father was one of the reps in NZ in the late 40s-70s ('The Man from the Prudential'). 

the man from the pru   i remember that in the uk too

On 7/31/2025 at 10:05 AM, portisaacozzy said:

Im 91 and cant get it any where.

I can direct you to a couple of ladies who will let you have 'it'...

7 minutes ago, graym said:

I can direct you to a couple of ladies who will let you have 'it'...

2 would be enough !

On 7/31/2025 at 8:24 AM, newbee2022 said:

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.

The problem with insurance is WILL they pay out when YOU want them to. Cos many do not for the tiniest reason. I prefer money on the bank. And when you get old the monthly amount is not cheap. Thats my views. 

40 minutes ago, helloagain said:

The problem with insurance is WILL they pay out when YOU want them to. Cos many do not for the tiniest reason. I prefer money on the bank. And when you get old the monthly amount is not cheap. Thats my views. 

If you got 3 million on the bank for emergency I agree

I've lived in Thailand for 21 years and have no health insurance. I go to both private and public hospitals, and have received excellent care at each for a very low cost (as compared with my home country, the USA). Public hospitals have good doctors and excellent facilities, but the problem with them is the wait time you have to endure to see a physician. Otherwise, they're just fine.  

On 7/29/2025 at 10:20 PM, 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.

 

 

 

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1 hour ago, Zakhar said:

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On 7/31/2025 at 8:24 AM, newbee2022 said:

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.

If your pockets are empty, will they treat you?!

On 7/31/2025 at 8:24 AM, newbee2022 said:

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.

What policy do you have that will pay "Several million"    You will find they do not pay.

3 hours ago, sangtip2 said:

What policy do you have that will pay "Several million"    You will find they do not pay.

How do you know they will not pay?

Proof or assumptions or just nonsense?

3 hours ago, Gecko said:

If your pockets are empty, will they treat you?!

I didn't try that because I get an insurance 

I'm feeling pretty secure with my credit card's free travel insurance, which has got me covered until I'm 86 years young! Of course, there are some terms and conditions – I need to pop back to my homeland every so often and not have any pre-existing health issues.

On 8/6/2025 at 11:48 AM, helloagain said:

Cos many do not for the tiniest reason.

How MANY do you know ????

Name a few only. 

Can't wait to read.

Irrelevant comment removed 

On 8/6/2025 at 11:48 AM, helloagain said:

The problem with insurance is WILL they pay out when YOU want them to. Cos many do not for the tiniest reason. I prefer money on the bank. And when you get old the monthly amount is not cheap. Thats my views. 

I'm waiting for your list.

Or was it just Gibberish again?

On 7/31/2025 at 12:52 PM, Dilligaph98 said:

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.

 

 

I am very happy (and surprised)  to see how many posters do not agree with the premise of the OP .     I used to be a lone wolf ,  rebelling against the exhorbitant cost of health insurance and the many problems when making a claim.

 

Just not worth it ...... in MY opinion

1 hour ago, rumak said:

 

I am very happy (and surprised)  to see how many posters do not agree with the premise of the OP .     I used to be a lone wolf ,  rebelling against the exhorbitant cost of health insurance and the many problems when making a claim.

 

Just not worth it ...... in MY opinion

To be clear, I paid in for more than 20 years, and the premiums were not really bad - considerng I had my wife and son covered too. During that time we had a couple of major claims, all paid promptly (less excess) but the premiums did not jump horrifically. With son overseas, wife covered for the day-to-day by the state scheme, and me getting ancient, the equation changed. Any minor problem was not worth claiming (excess again); I had done heart ops and cancer; and as I think I said before, the kind of stuff that happens as you wear out (cataracts are good example) are not covered at all. I just have to avoid getting hit by a bus.

All insurance is a gamble and I eventually figured the odds were not strong enough. 

I will name what used to be Bupa, more recently something else (Zurich?), because they were ok with payouts and cancelled without problems, much to my surprise.

Hospitals less exemplary. Sikarin (BKK, Srinakarin) actually held me prisoner on a Saturday morning when I tried to discharge myself after an op. unitl the cheque arrived from the insurer! Noever, ever use that place even in an emergency!!