Expat Getting Health Insurance in Thailand

[demoncontrol]

I need want to get some health insurance for my hypertension can any recommend something.  Please. Thanks

[khaolakguy]

If you are asking about obtaining annual health insurance that would cover your hypertension, it might be helpful if you gave more details, eg have you already tried local insurance companies and on what basis were you refused? It is not unusual to obtain Health Insurance that cover specific pre-existing conditions, although the premium will  be higher.

[demoncontrol]

Thanks.  I have not looked yet I just wanted to talk to anyone who already the same health issues and already has insurance 

[BjornAgain]

As @khaolakguy says, if your HT is an existing and pre-declared condition  then expect over inflated Premiums. 

Did use Tune Insurance originally when I first came out here, as needed to show proof of insurance as part of my Visa application. Now on a 5 year, no longer a requirement, so do what a lot of us aged old farts do, and self insurance.

Having said that, I do take flight insurance with Thai Airlines (Allianz) when travelling out of Thailand, as there isn't a medical declaration requirement.

[mauRICE]

On 11/8/2025 at 11:18 AM, demoncontrol said:

I need want to get some health insurance for my hypertension can any recommend something.  Please. Thanks

Have you got a GP or specialist that you regularly go to in Thailand? It might be a good idea to ask them as I've seen medical insurance brochures at clinic counters.

[demoncontrol]

I was quoted $8500 per year for insurance in Thailand but I was thinking NOT to have insurance and just go to the hospital and paying for my labs and dr visits Rxs.  I am not in Thailand now I am moving there in April

[Keithambrose]

1 hour ago, demoncontrol said:

I was quoted $8500 per year for insurance in Thailand but I was thinking NOT to have insurance and just go to the hospital and paying for my labs and dr visits Rxs.  I am not in Thailand now I am moving there in April

Does that cover all events, including pre existing  conditions?

[demoncontrol]

Yes

[PeterRS]

20 hours ago, demoncontrol said:

I was quoted $8500 per year for insurance in Thailand but I was thinking NOT to have insurance and just go to the hospital and paying for my labs and dr visits Rxs.  I am not in Thailand now I am moving there in April

Not sure if I am interpreting your comments correctly. Please forgive me if I am not. But it seems from this post that you are not planning to take out a general medical policy when you move to Thailand. Is that because you already have one? If not, I do suggest most strongly that one is necessary for anyone living in Thailand. I realise some expats have no policy and more or less self insure. That can work but only if they have a large enough pot of emergency cash. 

The fact is that medical costs in Thailand keep on increasing (as probably everywhere). Not even public hospitals are immune. About two years ago the government mandated that non-Thais visiting the much cheaper public hospitals would pay more. The fee for the excellent doctor I occasionally see at the King Chulalongkorn Pulblic Hospital has risen from around Bt. 200 to Bt. 800 per visit making it relatively close to the doctors' fees at the nearby private BNH. 

There are plenty of private hospitals that will do your tests on a one off basis. But no clue about cost for your specific lab tests. I would email several hospitals and find out their current charges. I suggest trying Bangkok Christian Hospital on SIlom and the St. Louis Hospital on Sathorn where costs are generally a lot cheaper than many other private hospitals.

[demoncontrol]

Thank you so much this is great information. I will email those hospitals. If the yearly cost is less then the 102k for insurance for a year I will do that.