Health Insurance Navigator · for retiring or living long-term in Thailand
43 pages5 tools · your action plan
guided by Thailand Ready.
Know what a policy may not cover before you sign, not when the hospital bill arrives.
The Health Insurance Navigator is a step-by-step guide to choosing and using health insurance in Thailand, from your first quote to a hospital stay, a claim and every renewal.
US$149 one payment, no subscription
The Navigator is not available to buy yet.
Start with the free Quick CheckTen years of premiums. Then one hospital bill.
Much of what matters in a policy is fixed on the day you sign. How it works often only becomes clear years later.
Year 1
Its limits, exclusions and conditions are set.
Years 2 to 10
Nothing goes wrong. You feel covered.
Year 11
The bill arrives, under the policy you chose years ago.
Then
“Is this covered? And if not, why not?”
The Navigator moves that question to before you sign.
An illustration, not a prediction.
The questions you can’t afford to ask too late.
Real questions people ask about health insurance in Thailand, and the moment each one tends to come up. Your Navigator takes up every one.
My premium keeps rising. Will I still be able to afford cover at 75 or 80?
At renewal, year after year
My policy has a high limit. Why could I still end up paying?
When the hospital bill arrives
Will my insurance actually pay the hospital directly, or will I have to pay upfront?
At the hospital desk, before you are admitted
My claim was refused. What can I do now?
When you claim
Will my medical history be excluded, or make me uninsurable?
When you apply, and again when you claim
How can I switch insurers without putting the cover I have at risk?
When you switch insurer
Open a group to see its questions.
One guide, from the first quote to the last claim.
Eight parts, in the order you will meet each decision.
Part 1
What hospital care may cost where you plan to live
Part 2
Premiums now and at 75, 80 and 85, and what they add up to
Part 3
The small print behind the headline limit, and quotes compared on the same points
Part 4
Declaring your history in full, and switching insurer without a gap
Part 5
Choosing your hospitals and preparing for an emergency
Part 6
Checking direct billing, and asking for approval before admission
Part 7
Checking the bill, claiming, and answering a refusal
Part 8
Your yearly check, and your options if cover becomes too expensive
Then five tools to fill in and keep, and your action plan.
The Navigator is an educational report. Thailand Ready does not choose an insurer for you, sell or arrange cover, book hospital treatment or handle claims.
Know what to check, what to ask and what to prepare.
Practical guidance for the decisions that matter, before you sign and long after.
Hospital-cost research for the places in Thailand you are considering, set beside the limits of three levels of cover.
Premium ranges at your age today and at 75, 80 and 85, and what they total over the years.
The limits behind the headline figure, the common mistakes, and a quote request that asks every insurer the same points.
A worksheet for your medical history, and what each insurer’s decision means, from an exclusion to a higher price.
The documents to collect before you leave hospital, how to answer a refusal, and how to switch insurer without a gap.
How to check whether your insurer will pay your hospital directly, how to ask for approval before a planned stay, and what to prepare if it cannot be arranged.
Verify
Confirm your hospitals and your plan with both the insurer and the hospital’s insurance desk.
Request
Ask the insurance desk to send a pre-authorization before admission day, and get the answer in writing.
Prepare
Know why a deposit may be asked for, how much to keep within reach, and how to claim it back.
Premium figures are for readers aged 50 to 75.
Choose while the choice is still yours.
You can examine a policy before you buy. Changing it after your health changes is harder.
Today
LaterYears later
Not a reason to worry. A reason to choose carefully the first time.
Real pages, made from your answers.
Your Navigator is prepared from your answers: the costs, premiums and steps for your age, your cover area and the places in Thailand you are considering.
What cover costs you now, and at 75, 80 and 85
Direct billing and pre-authorization, before a planned stay
What hospital care costs in your city
Your quote request, ready to send
Your action plan, step by step
Sample pages from a Navigator made for a sample reader: 65, male, worldwide cover excluding the US, Chiang Mai and Hua Hin. Select a page to read it.
T1
Medical history worksheet
Gather your history before you apply
T2
Quote comparison sheet
Compare quotes on the same points
T3
Emergency card
For when you cannot speak for yourself
T4
Hospital phrases
Thai and English, for the insurance desk
T5
Claim checklist
The documents to collect for a claim
Years of premiums. One decision to get right.
Health insurance isn’t a one-time purchase. You may pay premiums year after year, for much of your retirement.
In one approved Navigator example
A man aged 65 · worldwide cover excluding the US · low cover
USD 100,000–115,000 *
Eleven years of premiums, from 65 to 75
US$149Navigator, once
US$149 is about 0.13–0.15% of those premiums.
About 2.0–2.2% of a single year’s premium at 65.
Built on research, not on a sales pitch.
We sell no insurance, and take no payment from insurers, agents or brokers. You pay for the report, so it works for you.
Hospital-cost research in destinations popular with retirees in Thailand, the premiums insurers publish, and which insurers take new applicants at each age.
Every figure follows fixed rules and calculations. The same answers always give the same report; no AI writes it.
Your Navigator, prepared from your answers and emailed to you.
Thailand
Finance & Retirement
CFA® charterholder and CFP® professional with more than a decade of experience across investment and financial planning.
View LinkedIn profile (opens in a new tab)
Thailand
Insurance
More than 20 years of experience across life and health insurance.
Thailand
Tax & International Tax
Background in tax law, with expertise in Thai and international tax and relevant professional experience in tax-related matters.
Thailand
Visa & Relocation
Background in transport law, with a strong working knowledge of Thai visa, long-stay and relocation requirements.
Reports are generated automatically from our research; our experts do not review individual reports. Professional statuses are held by the individual named, not by Thailand Ready. Ravipas and Noppakun also work as licensed life insurance agents in Thailand, in their personal capacity; Thailand Ready does not sell, recommend or arrange insurance. Full disclosures, including our directors’ other roles: thailandready.com/legal.
CFA®, Chartered Financial Analyst®, CIPM®, and GIPS® are registered trademarks owned by CFA Institute.
CFP® and CERTIFIED FINANCIAL PLANNER™ are trademarks owned outside the U.S. by Financial Planning Standards Board Ltd. Thai Financial Planning Association is the marks licensing authority for the CFP marks in Thailand, through agreement with FPSB.
You can choose on your own. Or with the whole picture.
On your own
With your Navigator
On your own: You see this year’s premium, without a clear view of what cover may cost at 75, 80 and 85.
With your Navigator: You see premium ranges at 75, 80 and 85, and what they add up to, before you commit.
On your own: You may not know whether your insurer will pay the hospital directly until you need treatment.
With your Navigator: You know how to check whether direct billing is available, ask for approval, and prepare before admission.
On your own: You compare headline limits without seeing the exclusions and smaller limits inside them.
With your Navigator: You know which conditions, and which common mistakes, to look for before you sign.
On your own: You compare prices without checking that the benefits and conditions match.
With your Navigator: You compare every quote on the same points, with a quote request ready to send.
On your own: You may not see the risks of replacing cover you already have.
With your Navigator: You know what to check first: what to declare, new exclusions, waiting periods and any gap in cover.
43 pages · 5 tools · your action plan
Everything in one guide. One payment.
US$149 one payment, no subscription
The Navigator is not available to buy yet. Notify me when available
After payment, answer a few questions about your situation. Your Navigator is prepared from your answers and emailed to you.
30-dayguarantee
For any reason. Ask within 30 days of purchase for a full refund, even if your report has already been generated, viewed or delivered.
Read the Refund PolicyOne payment of US$149, on your payment provider’s secure page. Your card details never reach Thailand Ready.
Your age, sex and cover area, the places in Thailand you are considering, and the name for your cover.
It is prepared from your answers and emailed to you, with a private download for 24 hours. Please keep the emailed copy.
Your answers and your report are deleted from our active systems within 24 hours of delivery.
Before you decide
Short answers to what people ask before they buy.
No. The Navigator gives you facts, market prices and steps so you can decide for yourself. Thailand Ready is not an insurance agent or broker, and it does not sell, recommend or arrange insurance.
No. Only your insurer and the hospital can agree direct billing, and it depends on your policy, the hospital and the treatment. The Navigator shows you how to check whether it is available, how to ask the hospital’s insurance desk for approval before a planned stay, and what to prepare if a deposit is asked for.
No. The report shows market ranges and what to ask every insurer, in writing. The choice of insurer, hospital and level of cover stays yours.
No. They are the middle half of the prices insurers publish, for planning. Confirm current prices with the hospital or the insurer.
For ages 50 to 75, your Navigator is prepared as soon as you have answered a few questions after payment, and emailed to you. For other ages it is prepared by our team, so it is not instant.
Yes. Parts 4 and 8 cover switching without a gap, what to check every year, and your options if cover becomes too expensive.
Part 8 sets out the routes, and what each one trades: renewing the policy you have, applying for a new one, lowering the price with a narrower cover area, a deductible or a co-pay, and public hospitals with your own reserve. It also explains why to get your renewal terms in writing before you change anything.
No. You tell us your age, sex and cover area, the places in Thailand you are considering, and the name for your cover. The medical history worksheet is yours to fill in and keep; we never see it.
Your answers, and the report made from them, are deleted from our active systems within 24 hours of successful delivery, so please keep the emailed copy. Your order record, including your email address, is kept separately for as long as accounting, tax and business-record rules require.
30-day money-back guarantee, for any reason. Ask within 30 days of purchase for a full refund, even if your report has already been generated, viewed or delivered.
Your decision
One guide to the questions, the costs and the hospital steps that matter, before you commit to years of premiums.
Start with the free Quick Check