I am a 72 year old British Citizen married to a Thai Lady and living in Udonthani on and off since 2004.

I have a Group In-Patient Health Insurance with Pacific Cross in Thailand which I obtained after I joined The Pattaya Expats Club some years back; previously the Health Insurance was provided by AXA in Thailand and then taken over by Pacific Cross in Thailand.

I have had claims every year nothing major and they have always paid except once when they refused to pay as all Hospital test were completely normal.

The yearly premium has been increased the past years due to previously claims however I still find it reasonable when I have compared this with other providers.

I am insured for 1.7 million and can use the best Hospitals (always stayed in Suites) in Thailand and last years Premium was 125 000 THB.

I am just wondering if other Members have a similar Group Health Insurance with Pacific Cross in Thailand and what is your experience with them.

around 10k per month @ 72 sounds like a good deal - what's good to read is the ease of claim and youve made good use of it. No stress fighting them to pay claims etc.

What were "nothing major" claims?

This seems like an affinity marketing scheme.

While an insurer may tweak the benefits a bit in order to be able to say that the product is "exclusive" to the affinity group, there usually isn't a significant reduction in the premiums charged to the individual participants or a meaningful increase in coverage.

I've been with Pacific Cross ever since it became obligatory to have 3M฿ cover for O/A visa.

At age now 77 I've never had a claim with them since I joined. Bill last year for 3M฿ cover was 105K฿. That includes quite a few exclusions and I pay the first (can't remember) roughly 80K฿ costs.

Edited August 4Aug 4 by mfd101

3 hours ago, Celsius said:

What were "nothing major" claims?

Some examples Heart Attack, Stroke, Accident, Cancer, Operation

4 minutes ago, mfd101 said:

I've been with Pacific Cross ever since it became obligatory to have 3M฿ cover for O/A visa.

At age now 77 I've never had a claim with them since I joined. Bill last year for 3M฿ cover was 105K฿. That includes quite a few exclusions and I pay the first (can't remember) roughly 80K฿ costs.

Thats very good to hear and thanks for posting.

I just have one exclusion for joint problems as I used to have Arthritis however now healed 100% THANK GOD

6 hours ago, vibration said:

however now healed 100%

Presumably you mean you don't suffer with it any more as my understanding was that it cannot be cured?

1 hour ago, topt said:

Presumably you mean you don't suffer with it any more as my understanding was that it cannot be cured?

I personally believe with Faith that anything can be healed however each to there own.

11 hours ago, vibration said:

Some examples Heart Attack, Stroke, Accident, Cancer, Operation

I would say they are all pretty major.

I asked Pacific Cross about cover, and mentioned my mild BPH as a pre-existing condition. The agent reported back that they had refused cover for me completely 'because BPH can cause prostate cancer' (which is 110% totally untrue....)

17 minutes ago, simon43 said:

I asked Pacific Cross about cover, and mentioned my mild BPH as a pre-existing condition. The agent reported back that they had refused cover for me completely 'because BPH can cause prostate cancer' (which is 110% totally untrue....)

Not Pacific, but my private insurance refused to cover me when I had pneumonia in 2023, citing a pre-existing condition..... I had a TIA in 2015!

1 hour ago, Ralf001 said:

Not Pacific, but my private insurance refused to cover me when I had pneumonia in 2023, citing a pre-existing condition..... I had a TIA in 2015!

This is what I worry about.

The insurance company refusing coverage when I need it after paying in for years without a claim.

I have BPH as my only pre-existing condition.

We're born alone.

We die alone. Unless our friends and family are in the backseat.

Having an insurance policy really doesn't change that equation very much!

My purpose in life isn't to be a profit center for some bean counter's bonus in an insurance company by denying me treatment at the end of my journey. 😃

Don't fear the reaper.

54 minutes ago, cdemundo said:

This is what I worry about.

The insurance company refusing coverage when I need it after paying in for years without a claim.

I have BPH as my only pre-existing condition.

Iam lucky that I do not pay for the useless policy.

Even better my SSO hospital is private.

14 minutes ago, SiSePuede419 said:

We're born alone.

We die alone. Unless our friends and family are in the backseat.

Having an insurance policy really doesn't change that equation very much!

My purpose in life isn't to be a profit center for some bean counter's bonus in an insurance company by denying me treatment at the end of my journey. 😃

Don't fear the reaper.

A huge medical bill is an inevitability for most. If you have the funds to cover a 1-5 million bill I agree with you and not be left scrambling to scrape by after paying. Self insuring is a viable option in this case. In America they offered plans with huge deductibles which gave you the comfort of knowing you wouldn't be bankrupted by medical bills but here the deductibles are too small and the largest i could find was 100k. Another issue is there are no plans that have their own hospital networks that exclude the expensive hospitals.

I have 4.5 million coverage and no exclusions from AXA with the largest deductible they offer of 100k and only pay 14k but next year at 60 it basically doubles. If they offered a plan with a 500k deductible it would probably be around 50k at 75yo but not an option!

I'm forced to subsidize the unhealthy which is fine I guess and also those that like plush hospitals. I just need a clean private room in a public hospital. Restricting private hospital alone would drastically reduce the premium.

Has anyone tried contacting their insurance provider and altering the plans they offer. I have read it is possible but know of no one that has tried.

On 8/3/2026 at 5:41 PM, CharlieH said:

around 10k per month @ 72 sounds like a good deal - what's good to read is the ease of claim and youve made good use of it. No stress fighting them to pay claims etc.

just over 300 USD a month. Not horrible. USA medicare base cost is 202 USD a month and that is without any supplements, drug or dental etc. USA medicare premiums are based gross Modified adjusted gross income, so prices rise as one has more income. Thanks for the Pacific insurance post

On 8/7/2026 at 8:49 AM, atpeace said:

... but here the deductibles are too small and the largest i could find was 100k.

Pacific Cross offers higher deductibles, 200K and 300K available. Doesn't seem worth the risk for deductible over 40K.

40K gets you a 40% discount, 100K 46%, 200K 52%, and 300K gets you a 60% discount on your premium.

8 hours ago, NoDisplayName said:

Pacific Cross offers higher deductibles, 200K and 300K available. Doesn't seem worth the risk for deductible over 40K.

40K gets you a 40% discount, 100K 46%, 200K 52%, and 300K gets you a 60% discount on your premium.

THe 300k looks interesting but the I agree the discounts aren't that high. Around 7% for every 100k addition to the deductible. Now if they had a network offer that excluded expensive hospitals it would be would probably be 15-25% lower. AXA does have a "Smart Care" plan that excludes many expensive hospitals but the coverage is limited to under ~1 million baht which I feel isn't close to enough coverage.

The above discounts and the in network discount would drastically reduce premiums. In America they had HMO/managed care plans that were less expensive(15-25%) but you had to use their network doctors and hospitals excluding emergencies. I never found these HMO/managed care plans a hassle.

35 minutes ago, atpeace said:

40K gets you a 40% discount, 100K 46%, 200K 52%, and 300K gets you a 60% discount on your premium.

THe 300k looks interesting

Yes, given that at age 77 I've never had a claim and don't plan ever to have one ... My annual renewal is coming up late October and a 60% discount would bring my premium down to c40K฿, which is certainly attractive.

21 minutes ago, mfd101 said:

Yes, given that at age 77 I've never had a claim and don't plan ever to have one ... My annual renewal is coming up late October and a 60% discount would bring my premium down to c40K฿, which is certainly attractive.

At 77 you cannot join the Expat Insurance scheme. Cut off is 75 years old to join.

42 minutes ago, couchpotato said:

At 77 you cannot join the Expat Insurance scheme. Cut off is 75 years old to join.

Um, not sure who they are but I've been a member of PC for several years (as mentioned above).

4 hours ago, mfd101 said:

Yes, given that at age 77 I've never had a claim and don't plan ever to have one ... My annual renewal is coming up late October and a 60% discount would bring my premium down to c40K฿, which is certainly attractive.

May look attractive at first glance, but run some numbers to calculate the breakeven assuming no claims. These are annual deductibles, not per event as with my current policy with another provider. (Plan on switching to Pacific Prime this year.)

Also factor in the bonus for no claims: 1 year 10%, 2 years 15%, 3 years 20%.

There's also a 20% outpatient exclusion, but unsure if that can be combined with the deductible discount.

Does anyone know of a reputable VERY GOOD insurance broker that can sort out the options for me? I need someone that will speak to me in person.

1 hour ago, GiveMeAColdOne said:

Does anyone know of a reputable VERY GOOD insurance broker that can sort out the options for me? I need someone that will speak to me in person.

If you want to have the better option of health insurance from back home, you'll need to contact a broker there, brokers here aren't allowed to sell it, only the inferior thai stuff

19 hours ago, scubascuba3 said:

If you want to have the better option of health insurance from back home, you'll need to contact a broker there, brokers here aren't allowed to sell it, only the inferior thai stuff

Thank you. I started to sense this after talking a few local brokers on the phone but it's good that you confirmed that. I do need global coverage.

19 minutes ago, GiveMeAColdOne said:

Thank you. I started to sense this after talking a few local brokers on the phone but it's good that you confirmed that. I do need global coverage.

It's not so much global coverage, both should cover that but insurance from back home will follow different better regulations to protect the consumer

On 8/3/2026 at 9:36 PM, vibration said:

I am a 72 year old British Citizen married to a Thai Lady and living in Udonthani on and off since 2004.

I have a Group In-Patient Health Insurance with Pacific Cross in Thailand which I obtained after I joined The Pattaya Expats Club some years back; previously the Health Insurance was provided by AXA in Thailand and then taken over by Pacific Cross in Thailand.

I have had claims every year nothing major and they have always paid except once when they refused to pay as all Hospital test were completely normal.

The yearly premium has been increased the past years due to previously claims however I still find it reasonable when I have compared this with other providers.

I am insured for 1.7 million and can use the best Hospitals (always stayed in Suites) in Thailand and last years Premium was 125 000 THB.

I am just wondering if other Members have a similar Group Health Insurance with Pacific Cross in Thailand and what is your experience with them.

That is an excellent price at your age...you won't find better price for that level of coverage.