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Retiring to Thailand 2025

1.3K views 15 replies 7 participants last post by  craigP  
#1 · (Edited)
The problem with retiring to Thailand is indeed health insurance. I lived in Thailand for thirteen years before relocating to France last year. The unavailability of insurance in Thailand was one of the deciding factors. If you can get a policy it would exclude pre-existing conditions, but you are likely to have a hard time finding coverage. When I looked at the problem early in my retirement the foreign insurance companies would typically not write new policies for anyone over 60. BUPA would take you if you were less than sixty years old with a promise not to drop you in the future, but that was an empty promise since they the rates were going to climb precipitously. The problem for the carriers is that the pool of older insurees is not so large, since the Thais are covered by the 30 baht scheme. If you can get a policy most insurers will drop you for age at some point, at 80 years old for instance, just when you need it most. As you know, the costs for Thai health care are relatively low, but not negligible.

The quality of health care that we received in Bangkok was very good, but I can't speak to conditions in Buriram.

In any case my information is not up-to-date, so you should keep looking. Maybe there are more options now.

Beyond that, I would recommend learning the language, which is possible even at age 67 if motivated. Don't know what the opportunities for Thai study would be in the rural areas like Buriram.

You can get up-to-date info from the folks on the ground at thaivisa.com
 
#1 · (Edited)
The problem with retiring to Thailand is indeed health insurance. I lived in Thailand for thirteen years before relocating to France last year. The unavailability of insurance in Thailand was one of the deciding factors. If you can get a policy it would exclude pre-existing conditions, but you are likely to have a hard time finding coverage. When I looked at the problem early in my retirement the foreign insurance companies would typically not write new policies for anyone over 60. BUPA would take you if you were less than sixty years old with a promise not to drop you in the future, but that was an empty promise since they the rates were going to climb precipitously. The problem for the carriers is that the pool of older insurees is not so large, since the Thais are covered by the 30 baht scheme. If you can get a policy most insurers will drop you for age at some point, at 80 years old for instance, just when you need it most. As you know, the costs for Thai health care are relatively low, but not negligible.

The quality of health care that we received in Bangkok was very good, but I can't speak to conditions in Buriram.

In any case my information is not up-to-date, so you should keep looking. Maybe there are more options now.

Beyond that, I would recommend learning the language, which is possible even at age 67 if motivated. Don't know what the opportunities for Thai study would be in the rural areas like Buriram.

You can get up-to-date info from the folks on the ground at thaivisa.com
 
#10 ·
BTW I really do appreciate people's ongoing interactions.
just unsure how people do it lol
but part of the visa requirements is i need to have health insurance
how do you get around that?
Who told you that you need health insurance for a visa? What type of visa are you trying to get?

I have a marriage visa which I renew every year. The main requirement is to have 400,000 THB in the bank approximately 3 months before the renewal date and not touch it. When the renewal date comes around, I have to go to the bank and get a signed letter showing my balance.
 
#14 ·
That’s why planning is essential. The monies that would be paid on the insurance payments should be saved for future medical costs. As to your comment regarding a spouse being destitute once widowed just illustrates the need for sound planning. Hopefully, an ex-pat would be retiring in Thailand with some assets from their home country with savings and pensions and would not be spending those allowances every month. Savings has and will always be essential for life’s security.