What are the best health and accident insurance options for foreigners in Bangkok, Thailand?

I’ve researched this extensively and there are some important points to consider before buying.

1. Disclose everything! Insurers here hate to pay out even more that those in western countries.

2. Their understanding and attitude towards certain pre-existing conditions is basic. They excessively load for conditions that don’t warrant it, like mild asthma.

3. At the quoting stage, you will be given a basic cover premium and when you disclose pre-existing conditions, the premium obviously increases. DON’T assume you are now covered for those pre-existing conditions because of the higher premium, you WILL NOT be.

4. Ask about increase caps on your renewal premium or even better a policy that doesn’t increase if zero claims are made.

5. Read any policy you receive VERY CAREFULLY before you agree to take out the policy.

6. Go direct to the insurer for a quote, I’ve received the same cover from agents with inflated prices. Yes they have to make their cut but an extra rd??

7. Be aware of some companies that offer very low starting premiums and claim to have offices in Europe. DO YOUR RESEARCH. If it’s too good to be true, it definitely is.

8. DON’T listen to any FB recommendations unless that person has made a claim from their insurers, received good customer service AND been paid out. YOU NEVER KNOW HOW GOOD AN INSURER IS, UNTIL ITS TIME TO CLAIM.

9. Read their reviews!

10. Look into whether you can get cover internationally from a provider in your own country. It will be more expensive but most likely, less headaches.

I welcome anyone to provide proven stories of having great service and being paid out promptly without any problems from their insurer. AGENTS NEED NOT ANSWER.

I have health and accident with AIA and supposed to be the best in Thailand because it’s a Thai company and you can use the Thai private hospitals

Speak with

@Peter ******

fully qualified financial advisor dealing with health insurance in Thailand.

Has access to 100's of providers so can compare all and find you the best cover and prices rather than comparing just one or two.

Totally free consultation

I'm more welcome to provide full information, and provide best service before and after sale.

For anything health insurance related in SE Asia I would highly recommend talking to the team of health insurance brokers at

@Tenzing ******************

, they are the leading health insurance experts in SE Asia

An agent is best and will find you the best cover.

Hi I'm an independent and live in Bangkok happy to meet and chat through all the myriad of options available to you

I'm in Australia currently but back next week