For those who have received their health insurance premium for this year, whether already paid or upcoming, how much did it increase compared to last year in percentage terms? Provider and plan would be helpful.

I am with April International (France), Comfort plan, and my next annual premium shows a bit over a 30% increase. I am trying to understand whether this level of increase is broadly expected this year or unusually high, as increases at this rate would become unreasonable very quickly.

Thanks for sharing your experience.

It decreased to zero as I moved back to Canada.

1 hour ago, lossantos said:

For those who have received their health insurance premium for this year, whether already paid or upcoming, how much did it increase compared to last year in percentage terms? Provider and plan would be helpful.

I am with April International (France), Comfort plan, and my next annual premium shows a bit over a 30% increase. I am trying to understand whether this level of increase is broadly expected this year or unusually high, as increases at this rate would become unreasonable very quickly.

Thanks for sharing your experience.

Age would help to

41

1 hour ago, Hummin said:

Age would help to

Is it a new band? Mine is only inpatient. But before I checked the average increase was about 15%. 4 years ago I started at 2K USD and not it's 4K.

I know one can reduce zones, drop to a lower tier plan, add deductibles but even then how much cheaper can it be. I doubt they will ask less than 20K at age 70 at this rate?

If it keeps increasing like at 15%, then the premiums become astronomical.

Am I missing something?

You haven't bothered to mention your age which is important info. A friend of mine health insurance went up 30% he's around 65, partially age but it seems insurance companies are recouping recent losses.

But remember, health insurance will become unaffordable when you need it the most

Why i don't have health insurance. If you started a plan at 50 and paid until you were 80 (when you need it most) how much would you pay out i'm guessing 2-3 million baht. At 73 i would have already paid 2 million and i've been in perfect health upto now. 3 million buys a lot of health care. Plus you stand the risk of being kicked out at 80 or the premiums becoming totally unaffordable. OK it's a risk but if you are a non smoker and take care of yourself weight wise then it's a fair risk. A farang in my condo got cancer at 77 (he was a heavy smoker). He had good insurance so he got the works, chemo, ICU etc but he was still dead within a year. The millions he spent on health insurance did him no good.

I'm 65 and have had WRLife health insurance for 3 years now, also covering my wife and kid. There are no premium increases, if no claims are made.

https://www.wrlife.net/

In TH, I can't get that sick, and at 71, add another 15%,compounded 6 yrs

No healthcare should be that expensive, not even in USA, although Medicare would pay a big chunk of that, but if you got a 20% deductible, time to sell the house

Plus 15% compounded annually for 6 years @ 71 = ฿7.49 M

47 minutes ago, henryford1958 said:

Why i don't have health insurance. If you started a plan at 50 and paid until you were 80 (when you need it most) how much would you pay out i'm guessing 2-3 million baht. At 73 i would have already paid 2 million and i've been in perfect health upto now. 3 million buys a lot of health care. Plus you stand the risk of being kicked out at 80 or the premiums becoming totally unaffordable. OK it's a risk but if you are a non smoker and take care of yourself weight wise then it's a fair risk. A farang in my condo got cancer at 77 (he was a heavy smoker). He had good insurance so he got the works, chemo, ICU etc but he was still dead within a year. The millions he spent on health insurance did him no good.

All the money he spent on tobacco did him no good either.

I live in Thailand, but have a high-deductible ($10,500) US Florida Blue health insurance policy for my wife and me. Our premium went up $200 a month, but there are still some remaining subsidies that lower our overall cost. The US Government is still haggling over "Obamacare", so it's hard to say, but for now, it remains affordable for us.

I don't have any Thai-based health insurance. From what I can tell, all health insurance available to Farangs uses underwriting, assessing your risk, and excluding whatever conditions they see fit from coverage. My US health insurance policies used to do this, and they loved to exempt or cancel your coverage when you needed it most. I pay out of pocket for the little care I need in Thailand, and it's no issue. If I were seriously injured or needed urgent surgery here, I'd have to pay out of pocket for that, and it would likely be unpleasant but within the realm of affordability.

If I were in an accident or diagnosed with something that requires expensive surgery that can be delayed at least a few days while I'm in Thailand, I'll return to the United States and use my US insurance to cover it. My wife and I also take occasional month-long trips to the US, and if either of us needed medical care during our stays there, US health insurance would again be helpful.

Overall, the cost of health insurance is worthwhile for me despite not expecting to need it because a monumentally expensive health issue could wipe out my life savings. So I am insuring against an unforeseen issue that exhausts the remainder of my life savings. A second benefit is that even if I need something that costs below my deductible that requires me to go to the United States and use my US health insurance, the insurance companies will still get me a lower rate for whatever care I need.

My Thai insurance went up by 50% when I got to age 70. I could just about afford it. I found out it was going to increase again at ages 75 and 80 (at which point they might decide not to renew), so I said to hell with it. All I worry about now, at age 78, is whether I can get palliative care if I get seriously ill, and not running up a huge debt for my family to pick up.

Public hospitals have, up to now, served me well and remained affordable.

Mine went down this year about 20 000 baht , renew was 110 000, inpatient only thay did make some changes this year on what they would pay on out/cut the amount they would pay for room etc, had this just over 10 years it jumps about 40 percent every 5 years, if no if no claims are made then 10 percent discount, it only seems to rise slightly every year think it is inflation, aged 64 so at 66 will jump 40 percent, at some point i will likly be priced out, if i was diagnosed with a serious condidtion then i would head back to my home country,

5 hours ago, JerryM said:

People will learn the hard way, eventually

44 minutes ago, scubascuba3 said:

People will learn the hard way, eventually

Only those silly people that didn't self insure. huh?

12 hours ago, lossantos said:

For those who have received their health insurance premium for this year, whether already paid or upcoming, how much did it increase compared to last year in percentage terms? Provider and plan would be helpful.

I am with April International (France), Comfort plan, and my next annual premium shows a bit over a 30% increase. I am trying to understand whether this level of increase is broadly expected this year or unusually high, as increases at this rate would become unreasonable very quickly.

Thanks for sharing your experience.

NO increase from the beginning.

3 hours ago, cooked said:

My Thai insurance went up by 50% when I got to age 70. I could just about afford it. I found out it was going to increase again at ages 75 and 80 (at which point they might decide not to renew), so I said to hell with it. All I worry about now, at age 78, is whether I can get palliative care if I get seriously ill, and not running up a huge debt for my family to pick up.

Public hospitals have, up to now, served me well and remained affordable.

Change the insurance company !

10 hours ago, Hummin said:

Age would help to

NO !

1 minute ago, newbee2022 said:

NO !

Age would help to know why premium goes up!

4 hours ago, henryford1958 said:

Why i don't have health insurance. If you started a plan at 50 and paid until you were 80 (when you need it most) how much would you pay out i'm guessing 2-3 million baht. At 73 i would have already paid 2 million and i've been in perfect health upto now. 3 million buys a lot of health care. Plus you stand the risk of being kicked out at 80 or the premiums becoming totally unaffordable. OK it's a risk but if you are a non smoker and take care of yourself weight wise then it's a fair risk. A farang in my condo got cancer at 77 (he was a heavy smoker). He had good insurance so he got the works, chemo, ICU etc but he was still dead within a year. The millions he spent on health insurance did him no good.

A lot of nonsense. If you choose the right company there will be no increase of premiums as long as you don't have a case. Even then it will be only a temporarily increase.

Just now, Hummin said:

Age would help to know why premium goes up!

NO ! Read my posts

12 hours ago, lossantos said:

For those who have received their health insurance premium for this year, whether already paid or upcoming, how much did it increase compared to last year in percentage terms? Provider and plan would be helpful.

I am with April International (France), Comfort plan, and my next annual premium shows a bit over a 30% increase. I am trying to understand whether this level of increase is broadly expected this year or unusually high, as increases at this rate would become unreasonable very quickly.

Thanks for sharing your experience.

You got the wrong insurance company. Sad.

17 hours ago, newbee2022 said:

A lot of nonsense. If you choose the right company there will be no increase of premiums as long as you don't have a case. Even then it will be only a temporarily increase.

I find that hard to believe. So the premiums you pay for health insurance will stay the same at age 60,65,70,75,80+?

41 minutes ago, henryford1958 said:

I find that hard to believe. So the premiums you pay for health insurance will stay the same at age 60,65,70,75,80+?

Ignorance is bliss with him, not a chance at around 80 he'll het his claims paid if big

1 hour ago, henryford1958 said:

I find that hard to believe. So the premiums you pay for health insurance will stay the same at age 60,65,70,75,80+?

Yes, I think it was easy to understand.

(and no belief necessary, just hard facts)

Zero.

I tend to not throw money down the toilet when possible.

21 hours ago, newbee2022 said:

A lot of nonsense. If you choose the right company there will be no increase of premiums as long as you don't have a case. Even then it will be only a temporarily increase.

Name some companies who do not increase premiums with increasing age.

1 hour ago, msbkk said:

Name some companies who do not increase premiums with increasing age.

WRLife and associated companies

1 hour ago, msbkk said:

Name some companies who do not increase premiums with increasing age.

I miss the word "PLEASE". A bit politeness would be good.

On 1/26/2026 at 7:24 AM, KhunLA said:

In TH, I can't get that sick, and at 71, add another 15%,compounded 6 yrs

No healthcare should be that expensive, not even in USA, although Medicare would pay a big chunk of that, but if you got a 20% deductible, time to sell the house

Plus 15% compounded annually for 6 years @ 71 = ฿7.49 M

wrong company