On 6/30/2026 at 8:44 AM, 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.

On 6/30/2026 at 8:44 AM, 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.

You mention AXA - I just quit AXA as the premium went up 40% inpatient only. Plus I found out that no "chronic" illness would be covered. Read up what definition of "chronic" is & a lot of old age ailments fall into this category. Consider carefully if it is worth paying for this policy. Private healthcare is no guaranteed cover.

48 minutes ago, ThaiTraveller2016 said:

You mention AXA - I just quit AXA as the premium went up 40% inpatient only. Plus I found out that no "chronic" illness would be covered. Read up what definition of "chronic" is & a lot of old age ailments fall into this category. Consider carefully if it is worth paying for this policy. Private healthcare is no guaranteed cover.

Well, I'm pleased that I found this thread, even though my post is about health insurance over accident insurance, although I have noticed a few posts on both, so here goes with my post – –

I currently have health insurance with Alliance Ayudhya and have had it for about 15 years (I think) and because I got in before a certain age, the cover is supposed to last until I'm 99 years of age, which was a bonus.

However I'm finding that the premiums are high now that I've reached the age of 78, with the annual premium of 175,000 baht, which includes me paying an excess/deduction of 50,000 baht (I pay the first 50,000 baht of any bill) and I'm only covered up to a maximum of 1 million baht, so I'm looking round and I've had some quotes which I've found very interesting!

There is one from AXA/Krungthai which has annual cover of 3 million baht and is 153,000 baht per annum (or it can be paid monthly out of my Bangkok Bank account) and with me paying a deduction of 30,000 baht can be reduced to 125,000 baht per annum in total.

Now the last one is very interesting in as much as it is a "European" company and the policy is by Helvetia/CORIS which has good write-ups on my online investigation. The annual premium is just under 90,000 baht (which can be paid monthly) for 1.9 million baht cover. I'm waiting for a reply on this one from the broker as to how the hospital bills are paid and at this moment in time it's my favourite go to policy.

In summary, I like the AXA/Krungthai because of its total coverage and the fact I can paid out of my normal bank account on a monthly basis. HOWEVER I would be foolish to overlook the "European" company quote because overall I will be saving 85,000 baht per year with this one over my current one!

I have no problem with not being covered for existing conditions, as I can pay for them myself should they turn nasty, so more work needed and any comments on the above would be most welcome.

5 hours ago, khunPer said:

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.

3 hours ago, ThaiTraveller2016 said:

You mention AXA - I just quit AXA as the premium went up 40% inpatient only. Plus I found out that no "chronic" illness would be covered. Read up what definition of "chronic" is & a lot of old age ailments fall into this category. Consider carefully if it is worth paying for this policy. Private healthcare is no guaranteed cover.

The policy specifically states:

"The Company will not pay benefits under this Policy for any Chronic Conditions or Pre-existing conditions"

I have no pre-existing conditions exclusions. My underwriting successfully omitted those standard exclusions and chronic conditions is completely irrelevant to my specific setup.

The new insurance regulations forbid companies for dropping you after a chronic condition as long as it wasn't pre-existing.

AI:

If you develop diabetes next year, it will be covered not just for 5 years, but all the way up to the plan's absolute renewal age limit (age 99 for this plan), as long as you keep paying the premiums.

10 hours ago, atpeace said:

The policy specifically states:

"The Company will not pay benefits under this Policy for any Chronic Conditions or Pre-existing conditions"

I have no pre-existing conditions exclusions. My underwriting successfully omitted those standard exclusions and chronic conditions is completely irrelevant to my specific setup.

The new insurance regulations forbid companies for dropping you after a chronic condition as long as it wasn't pre-existing.

AI:

If you develop diabetes next year, it will be covered not just for 5 years, but all the way up to the plan's absolute renewal age limit (age 99 for this plan), as long as you keep paying the premiums.

All for 14k baht a year and 4m coverage, sounds too good to be true, any quotes you see for similar age people is around 50k

Though the OP question was about Accident Insurance a few people have asked about Health Insurance & I find the CheckDI (Was MisterPrakan) a useful tool for comparing policies.

https://checkdi.com/intl/main?lg=en

Edited Thursday at 11:27 PM5 days by SamSpade

2 hours ago, scubascuba3 said:

All for 14k baht a year and 4m coverage, sounds too good to be true, any quotes you see for similar age people is around 50k

not with a 100k deductible which I mentioned before. Mine would be 60k next renewal without the deductible so more than the norm :) AXA is one of the best insurers in Thailand and worth paying a little extra :)

Deductibles allow a very healthy person not to subsidize the unhealthy that have chronic issues and hospital expenses. If I raised my deductible to 300k next renewal the premium would be about 15k vs 30k. I don't really worry about 100k but 300k is a little high. Also, if injured in an accident, the policy covers the first 50k with no deductible so in actuality a 100k deductible is 50K. I like those apples :)

Edited Friday at 12:33 AM5 days by atpeace

On 7/3/2026 at 6:25 AM, SamSpade said:

Though the OP question was about Accident Insurance a few people have asked about Health Insurance & I find the CheckDI (Was MisterPrakan) a useful tool for comparing policies.

https://checkdi.com/intl/main?lg=en

On that note, I further investigated the policies which I mentioned in my earlier post here, and I was keen on the Helvetia/CORIS health insurance cover, however when I studied the terms and conditions, I wasn't too sure about it and in addition, with the company being based in Lichtenstein, I was a long way away from any immediate help for any policy/accident problems I may have encountered!

I was still very tempted because of its pricing, but I was uneasy with these terms and conditions and of course filling out many forms after downloading from the Internet, completing them, then copying them onto a file, which I would then send back to the company and so on......so in the end I opted to stay with my current health insurance provider,Allianz/Ayudhya, and although the cost was 175,000 baht, the agent was my lawyer here and had always sorted out any problems for me, immediately, so I opted for the convenience and the surety and finally decided to stay with them, cost et al.

As a footnote to this, I will say that the online agent for the Helvetia/CORIS options was very good indeed, with timely responses to my questions and very helpful in understanding online manner.