I am 66 and in perfect health. I have had Thai health insurance for many years but my premium is now hitting 80,000 baht per year. I am enrolled in Medicare in the USA but only Part A.

I am thinking of taking the risk of self-insuring. However, as I do ride a scooter I would like accident only coverage. Has anyone done something similar and is there a Thai company that will provide at least a minimum of 1,000,000 baht in accident coverage (and preferably more)?

Thanks for your answers and no need to tell me I am an idiot for even thinking about it. :)

Edited June 30Jun 30 by ricklev

24 minutes ago, ricklev said:

24 minutes ago, ricklev said:

24 minutes ago, ricklev said:

I am thinking of taking the risk of self-insuring. However, as I do ride a scooter I would like accident only coverage. Has anyone done something similar and is there a Thai company that will provide at least a minimum of 1,000,000 baht in accident coverage (and preferably more)?

Thanks for your answers and no need to tell me I am an idiot for even thinking about it. :)

Leaving a Thai health insurance (what company?) at age 66 and you are in good health, would be insane IMO. 80k is excessive but many options to get a much more affordable policy. AXA would probably run about the same for a plan with a small deductible and all the bells and whistles. At 59, I pay 14.5k baht for 4.5 m(no exclusions) coverage with a 100k deductible. I can renew until 90 but if I dropped them and tried to reacquire insurance in 5-10 years, it would be extremely hard to impossible without countless exclusions if they would except me. That is not insurance and just a hope. I would then be forced to self insure.

You are in a enviable position being healthy ( assuming you are) and insured. I have known many healthy people here tell me they are healthy but in reality are extremely unhealthy. I bet you could get that premium down to 30k with a 100k deductible and if you talk to a rep, they sometimes will have higher deductible plans not listed online. Now you have the peace of mind which is worth so much.

Edited June 30Jun 30 by atpeace

9 minutes ago, atpeace said:

Leaving a Thai health insurance (what company?) at age 66 and you are in good health, would be insane IMO. 80k is excessive but many options to get a much more affordable policy. AXA would probably run about the same for a plan with a small deductible and all the bells and whistles. At 59, I pay 14.5k baht for 4.5 m(no exclusions) coverage with a 100k deductible. I can renew until 90 but if I dropped them and tried to reacquire insurance in 5-10 years, it would be extremely hard to impossible without countless exclusions if they would except me. That is not insurance and just a hope. I would then be forced to self insure.

You are in a enviable position being healthy ( assuming you are) and insured. I have known many healthy people here tell me they are healthy but in reality are extremely unhealthy. I bet you could get that premium down to 30k with a 100k deductible and if you talk to a rep, they sometimes will have higher deductible plans not listed online. Now you have the peace of mind which is worth so much.

Thanks. I doubt you really have 4.5 million baht coverage at that price even with the deductable. My guess would be serious limitations on general hospital expenses per admission etc. Try uploading your policy PDF to Chat GPT and ask for an evaluation.

Edited June 30Jun 30 by ricklev

7 minutes ago, ricklev said:

Thanks. No advice or judgement needed though.

Oh, then drop the insurance because all insurers are corrupt and charge exorbitant prices. You are a wise man that doesn't even want advice when they clearly ask for it. You are quite a strange know it all.

Peace!

Edited June 30Jun 30 by ricklev

13 minutes ago, ricklev said:

Peace!

Thank you and I wish you the best of health and success with your health predicament :)

10 minutes ago, ricklev said:

Peace!

And goodwill to all men.

I'm 85 and have a lifetime policy with NHS. Unlimited cover and no deductions even covers all meds, I do have a few ongoing medical conditions and it doesn't cost me anything at all completely free.

I did consider changing but I couldn't find anything cheaper.

1 hour ago, ricklev said:

I am 66 and in perfect health. I have had Thai health insurance for many years but my premium is now hitting 80,000 baht per year. I am enrolled in Medicare in the USA but only Part A.

I am thinking of taking the risk of self-insuring. However, as I do ride a scooter I would like accident only coverage. Has anyone done something similar and is there a Thai company that will provide at least a minimum of 1,000,000 baht in accident coverage (and preferably more)?

Thanks for your answers and no need to tell me I am an idiot for even thinking about it. :)

None available for 1m baht, most i found was Axa 400k cover for 15k baht. Worth investigating Pacific Cross they may have higher PA cover if you take their health insurance

1 hour ago, ricklev said:

Thanks. I doubt you really have 4.5 million baht coverage at that price even with the deductable. My guess would be serious limitations on general hospital expenses per admission etc. Try uploading your policy PDF to Chat GPT and ask for an evaluation.

1 hour ago, ricklev said:

Had the policy for years and is normal for many companies here It is the high deductible that decreases the price substantially. No serious limitations and the payment schedule is just what i want. Basically 100% coverage after the 100k deductible. Unhealthy people want no deductible because they need chronic care. Insurance companies figured this out :) Not just Thailand but other countries I've lived in. Jump into a plan with no deductible as a healthy person and you are basically subsidizing the unhealthy.

Don't take my word for it. Call your insurer and confirm. I have no pre-existing conditions so I could have got the same price at other insurers but I chose AXA because of their extensive payment network and ease of settlement. Hands off in most cases. Hospital employees know exactly how the payment process works.

In the process of attempting to control additional premiums for my Pacific Cross policy.

They offer a number of discounts base on plan coverage, deductible, and no-claim history that stack on their base premium.

As a note of caution - they do offer additional accident coverage, but only until 75 when it goes down to 200K.

Available Coverage Discounts			Effective Discount after No Claim iscounts
In Patient only no Out Patient	100K/40K Deductible	Every Year Base Discount	10% - No Claim for One-Year	15% - No Claim for Two-Years	20% No Claim for Three-Years
						20%	32.5%	54.0%	49%	46%	43%
20%	25.0%	60.0%	54%	51%	48%
Available Coverage Discounts			Effective Discount after No Claim Discounts
	32.5%	67.5%	61%	57%	54%
In Patient and Out Patient	100K/40K Deductible	Every Year Base Discount	No Claim for One-Year	No Claim for      Two-Years	No Claim for Three-Years
							25.0%	75.0%	68%	64%	60%

Edited June 30Jun 30 by mudcat
Issue with uploading a spreadsheet or an Acrobat P

24 minutes ago, atpeace said:

Had the policy for years and is normal for many companies here It is the high deductible that decreases the price substantially. No serious limitations and the payment schedule is just what i want. Basically 100% coverage after the 100k deductible. Unhealthy people want no deductible because they need chronic care. Insurance companies figured this out :) Not just Thailand but other countries I've lived in. Jump into a plan with no deductible as a healthy person and you are basically subsidizing the unhealthy.

Don't take my word for it. Call your insurer and confirm. I have no pre-existing conditions so I could have got the same price at other insurers but I chose AXA because of their extensive payment network and ease of settlement. Hands off in most cases. Hospital employees know exactly how the payment process works.

He has a good point, attach to Gemini or chatgpt to get a second opinion otherwise it's just another case of ignorance is bliss

37 minutes ago, scubascuba3 said:

He has a good point, attach to Gemini or chatgpt to get a second opinion otherwise it's just another case of ignorance is bliss

I've been paid out in full in the past with no issues. AXA is one of the largest if not the the largest insurer in Thailand and this plan is one of their standard plans. AI has zero issue with it as expected.

I would expect your insurer would offer the same if you had insurance :) At your age, if I didn't have insurance, I would most likely self insure. As for me, I've been insured for decades and have had zero issues with them paying out.

3 minutes ago, atpeace said:

I've been paid out in full in the past with no issues. AXA is one of the largest if not the the largest insurer in Thailand and this plan is one of their standard plans. AI has zero issue with it as expected.

I would expect your insurer would offer the same if you had insurance :) At your age, if I didn't have insurance, I would most likely self insure. As for me, I've been insured for decades and have had zero issues with them paying out.

Show us what AI says, will be useful

34 minutes ago, scubascuba3 said:

Show us what AI says, will be useful

Funny, I knew you were going to ask :) I had to go in a nd remove all my personal data that was too private to be shared here. Below is the AI data and even more importantly the "PROMPT". AI means little without seeing the prompt. Also incuded my plan details after deleting personal info. Pretty good plan IMO but nothing is 100% risk free :)

ME:

Ok give me a fresh evaluation using my health data you have over the last 15 years and assuming I will only use public hospitals. Also give me a breakdown of how m

y medical cost would be covered if I broke my back in a car accident and stayed in the hospital for 2 months.

USE: My personal Google Health GEM -My Health Tracking Gem Using MY Health Spreadsheets and documents

Based on your 15-year health history, your personal physiological baseline is pristine: a Coronary Artery Calcium (CAC) score of zero, a resting heart rate of ~42, blood pressure averaging 107/75, and optimized glucose recovery. Clinically, your risk of lifestyle-driven hospitalization (metabolic or cardiovascular) is near zero.

By choosing to use the Thai public hospital system exclusively, your risk profile completely shifts. Government facilities drastically lower the cost per service, making the inner limits of your AXA plan (image_136ba1.png) go much further than they ever would in a private facility like Bumrungrad.

2-Month Broken Back Scenario (Public Hospital)

If you are involved in a severe car accident resulting in a fractured spine, surgery, and a 60-day inpatient stay at a public hospital, here is exactly how your policy covers the bill based on the contract limits shown in image_136ba1.png:

1. Room, Board, and Nursing (60 Days)

• Plan Limit: 4,000 Baht per day (image_136ba1.png).

• Public Hospital Reality: A private single room at a major government hospital typically ranges from 1,500 to 3,000 Baht per day (inclusive of food and nursing fees).

  www.bangkokhospitalpluakdaeng.com

• Coverage: 100% covered. You will not pay a single Baht out-of-pocket for your room over the two-month stay.

2. Surgical and Procedure Fees

• Plan Limit: INCLUDED (Capped only by the 4,000,000 Baht overall policy maximum) (image_136ba1.png).

• Public Hospital Reality: Spinal decompression, fusion, or microdiscectomy labor costs in a government setting are highly subsidized, rarely exceeding 70,000–100,000 Baht.

  Reddit

• Coverage: 100% covered within the main plan limit.

3. Doctor’s Daily Rounds (60 Days)

• Plan Limit: 1,500 Baht per day (1 visit max per day) (image_136ba1.png).

• Public Hospital Reality: Government physician daily round fees are nominal, usually costing a few hundred Baht per day.

• Coverage: 100% covered.

4. General Hospital Expenses (The 150k Cap)

This is where your scans (MRIs/CTs), inpatient medications, and titanium orthopedic hardware (pins, plates, rods) are billed.

• Plan Limit: 150,000 Baht per disability (image_136ba1.png).

• Public Hospital Reality: A spinal MRI at a government hospital costs roughly 28,000 Baht. Combined with heavy medication use and titanium spinal implants, your total general expenses for a major spine reconstruction could easily hit 100,000 to 140,000 Baht.

  Konkai Health

• Coverage: Because public hospital pricing is highly restrained, these costs will likely fit just under your 150,000 Baht line-item cap, protecting you from the overage gaps that would immediately hit you at a private hospital.

Final Cost Settlement & The Accident Offset

Because a major accident bill at a public facility will easily exceed 100,000 Baht total, your deductible will be triggered in full.

  Total Public Hospital Bill Estimate: ~280,000 Baht
- Your Fixed Deductible:               100,000 Baht
---------------------------------------------------
  AXA Pays the Hospital:               180,000 Baht

The Personal Accident Cushion

There is an explicit rider at the bottom of your policy schedule (image_136ba1.png): Personal Accident Insurance - Form 2: 50,000 Baht.

Because your injuries stem directly from a car accident, this specific rider triggers a separate 50,000 Baht payout (image_136ba1.png). You can use this cash injection to immediately offset your deductible.

• Your Net Out-of-Pocket Catastrophic Cost: 50,000 Baht

The Fresh Verdict

If you were utilizing private hospitals, this policy would be a liability due to its low 150k general expense ceiling. But for a strategy completely anchored to public healthcare, your logic works. The government pricing subsidy protects the policy's inner limits from blowing out, making your net exposure for a catastrophic, two-month hospital stay highly manageable.

Edited June 30Jun 30 by atpeace

MOVED to Insurance Forum

1 hour ago, atpeace said:

Funny, I knew you were going to ask :) I had to go in a nd remove all my personal data that was too private to be shared here. Below is the AI data and even more importantly the "PROMPT". AI means little without seeing the prompt. Also incuded my plan details after deleting personal info. Pretty good plan IMO but nothing is 100% risk free :)

ME:

Ok give me a fresh evaluation using my health data you have over the last 15 years and assuming I will only use public hospitals. Also give me a breakdown of how m

y medical cost would be covered if I broke my back in a car accident and stayed in the hospital for 2 months.

USE: My personal Google Health GEM -My Health Tracking Gem Using MY Health Spreadsheets and documents

Based on your 15-year health history, your personal physiological baseline is pristine: a Coronary Artery Calcium (CAC) score of zero, a resting heart rate of ~42, blood pressure averaging 107/75, and optimized glucose recovery. Clinically, your risk of lifestyle-driven hospitalization (metabolic or cardiovascular) is near zero.

By choosing to use the Thai public hospital system exclusively, your risk profile completely shifts. Government facilities drastically lower the cost per service, making the inner limits of your AXA plan (image_136ba1.png) go much further than they ever would in a private facility like Bumrungrad.

2-Month Broken Back Scenario (Public Hospital)

If you are involved in a severe car accident resulting in a fractured spine, surgery, and a 60-day inpatient stay at a public hospital, here is exactly how your policy covers the bill based on the contract limits shown in image_136ba1.png:

1. Room, Board, and Nursing (60 Days)

• Plan Limit: 4,000 Baht per day (image_136ba1.png).

• Public Hospital Reality: A private single room at a major government hospital typically ranges from 1,500 to 3,000 Baht per day (inclusive of food and nursing fees).

  www.bangkokhospitalpluakdaeng.com

• Coverage: 100% covered. You will not pay a single Baht out-of-pocket for your room over the two-month stay.

2. Surgical and Procedure Fees

• Plan Limit: INCLUDED (Capped only by the 4,000,000 Baht overall policy maximum) (image_136ba1.png).

• Public Hospital Reality: Spinal decompression, fusion, or microdiscectomy labor costs in a government setting are highly subsidized, rarely exceeding 70,000–100,000 Baht.

  Reddit

• Coverage: 100% covered within the main plan limit.

3. Doctor’s Daily Rounds (60 Days)

• Plan Limit: 1,500 Baht per day (1 visit max per day) (image_136ba1.png).

• Public Hospital Reality: Government physician daily round fees are nominal, usually costing a few hundred Baht per day.

• Coverage: 100% covered.

4. General Hospital Expenses (The 150k Cap)

This is where your scans (MRIs/CTs), inpatient medications, and titanium orthopedic hardware (pins, plates, rods) are billed.

• Plan Limit: 150,000 Baht per disability (image_136ba1.png).

• Public Hospital Reality: A spinal MRI at a government hospital costs roughly 28,000 Baht. Combined with heavy medication use and titanium spinal implants, your total general expenses for a major spine reconstruction could easily hit 100,000 to 140,000 Baht.

  Konkai Health

• Coverage: Because public hospital pricing is highly restrained, these costs will likely fit just under your 150,000 Baht line-item cap, protecting you from the overage gaps that would immediately hit you at a private hospital.

Final Cost Settlement & The Accident Offset

Because a major accident bill at a public facility will easily exceed 100,000 Baht total, your deductible will be triggered in full.

  Total Public Hospital Bill Estimate: ~280,000 Baht
- Your Fixed Deductible:               100,000 Baht
---------------------------------------------------
  AXA Pays the Hospital:               180,000 Baht

The Personal Accident Cushion

There is an explicit rider at the bottom of your policy schedule (image_136ba1.png): Personal Accident Insurance - Form 2: 50,000 Baht.

Because your injuries stem directly from a car accident, this specific rider triggers a separate 50,000 Baht payout (image_136ba1.png). You can use this cash injection to immediately offset your deductible.

• Your Net Out-of-Pocket Catastrophic Cost: 50,000 Baht

The Fresh Verdict

If you were utilizing private hospitals, this policy would be a liability due to its low 150k general expense ceiling. But for a strategy completely anchored to public healthcare, your logic works. The government pricing subsidy protects the policy's inner limits from blowing out, making your net exposure for a catastrophic, two-month hospital stay highly manageable.

It wasn't really about that, it was more about the insurance company, premium and cover and BTW public hospitals don't usually deal with insurers so you'll have to pay and claim back later, hopefully. The other thing that happens a lot especially Pattaya maybe elsewhere is the ambulance takes you to a private hospital, that bill mounts up fast. I'd expect 4m baht to be enough i just don't expect the insurer to pay up

38 minutes ago, scubascuba3 said:

It wasn't really about that, it was more about the insurance company, premium and cover and BTW public hospitals don't usually deal with insurers so you'll have to pay and claim back later, hopefully. The other thing that happens a lot especially Pattaya maybe elsewhere is the ambulance takes you to a private hospital, that bill mounts up fast. I'd expect 4m baht to be enough i just don't expect the insurer to pay up

That is why to go local and with a company with a huge payment network. With AXA, you just provide your insurance card and that is the last you will hear about insurance until checkout. They have submitted claims thousands of times to AXA and the payment is much easier than billing a foreigner. I'm sure there are exceptions. If it a small bill the public hospital will just have you pay is my experience.

I got in a major cycling accident in 2016 and all I did was tell the public hospital I was insured but my wife would bring the info later. That was the last time it was mentioned. My wife showed up with the insurance info and all bills were paid 100% when i checked out a month later. It was a public hospital. I had to go back and settle with a hospital they took me first because they did a surgery before sending me to a bigger hospital.

Edited June 30Jun 30 by atpeace

9 hours ago, atpeace said:

Oh, then drop the insurance because all insurers are corrupt and charge exorbitant prices. You are a wise man that doesn't even want advice when they clearly ask for it. You are quite a strange know it all.

I saw your confused emoji. I was being sarcastic and you wouldn't know this, for good reason, because the post I replied to was deleted :)

AIG do personal accident only up to age 75 and then beyond.

5 minutes ago, Tyke said:

AIG do personal accident only up to age 75 and then beyond.

Do you know any details? what's the premium? what's the medical cover? and is that for new customers?

I'm 80 and drive a 20-year-old Chevy truck. I've had liability-only insurance here in Thailand for about 15 years and have had no problems (or a reason for my insurance company to pay for damages to someone else).

On 6/30/2026 at 9:51 AM, Bannoi said:

And goodwill to all men.

I'm 85 and have a lifetime policy with NHS. Unlimited cover and no deductions even covers all meds, I do have a few ongoing medical conditions and it doesn't cost me anything at all completely free.

I did consider changing but I couldn't find anything cheaper.

Agree, Thai National Health Service is almost completely free. I was however surprised when my wife who was receiving cancer treatment required a CT scan. The scanner was booked up for the next four months. Obviously, as a cancer patient it isn't advisable to delay investigations. She was asked to pay 1,100 THB to jump the queue. This was official as payment was made to our regional government hospital cashier who issued an official receipt.

Check out BKI ( Bangkok Insurance) PA Happy 45 Plus.

5 minutes ago, Phantom57 said:

Check out BKI ( Bangkok Insurance) PA Happy 45 Plus.

What's the medical cover? presumably you know

I recently I renewed my "PA Senior" accident coverage with Kbank. I was 75 when I started with them. Not very high coverage but better than nothing. It has a 1 mil baht death payout.

The only reson I got it was because I still ride my bike locally in the Jomtien area only.

Have a look on Kbank websight. My premium is 7,300 but the lower cover is a few thousand cheaper. Apparently it will cover until 99 yo?

24 minutes ago, scubascuba3 said:

What's the medical cover? presumably you know

PA.

9 minutes ago, Phantom57 said:

PA.

the THB amount?

Easier to just Google it and select English, many age prices intermixed with coverage amounts.

On 6/30/2026 at 3:00 AM, ricklev said:

I am thinking of taking the risk of self-insuring. However, as I do ride a scooter I would like accident only coverage. Has anyone done something similar and is there a Thai company that will provide at least a minimum of 1,000,000 baht in accident coverage (and preferably more)?

Thanks for your answers and no need to tell me I am an idiot for even thinking about it. :)

I'm 76 years old and presumably in good health. I gave up health insurance several years back and is self-insured; however, knowing the risks. I pay an amount monthly into my rainy day-account to keep it going — also for kind of inflation — but as a start I placed some funds from my savings there, so I had some fund when I gave up the health insurance, which seemed to become to costly for my otherwise health "excellent" condition. The amount you need for self-insurance and monthly contribution are relative to individual economy and what kind of hospital you wish to be repaired at; i.e., public or private.

I have a senior PA-insurance — some companies won't insure elder people for personal accidents when passing 65 or 70 years of age, that's why I have one that covers me until I reach 100 — cheap, but also limited coverage, and no cover for driving or riding a motorbike. Luckily, I don't drive a motorbike. You'll likely need a first class motorbike insurance and make sure that it covers the driver without age restriction.