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Free Health Insurance Quick Check

Moving to Thailand? See what your healthcare could cost.

An older couple going through a diary and papers at their table, a garden beyond the window
The cover of a sample Quick Check: “Your first answers on healthcare in Thailand.”, prepared for a sample reader

Before you compare a single policy, see your own numbers in a free 7-page report.

  • What healthcare may cost in your city Healthcare costs in your city
  • Premiums at your age and total costs to age 80 Premiums now and total costs to 80
  • How many insurers take new applicants at your age Insurer availability at your age
  • How to avoid five costly mistakes
  • Your next steps before comparing policies Next steps before comparing policies
Start my free Quick CheckSee a sample report

Four questions. Nothing about your health.

Your Quick Check at a glance

Sample

65, male, worldwide excl. US, Chiang Mai

A year with one common operation
≈ THB 70,000–152,000 at lower-cost hospitals
≈ THB 131,000–259,000 at higher-cost private hospitals
Cover, per year at 65
USD 6,800–18,600
Insurers taking new applicants at 65
All

What you will see

Three answers to have before your first quote.

Facts and market prices for your age,
your cover area
and your city,
so you can decide for yourself.

What will a year of healthcare cost me?

Private hospital prices in Thailand vary a lot, by city and by kind of hospital. See a year of care at three kinds of hospital: with no hospital stay, with one common operation, and a heavy year.

Bangkok, Chiang Mai, Hua Hin, Pattaya or Phuket: your report uses the city you choose.

Chiang Mai: a year with one hospital stay, common surgery, 1–3 nightsSample
  • SufficientLower-cost hospitals≈ THB 70,000–152,000
  • ComfortableMid-range private hospitals≈ THB 127,000–251,000
  • PremiumHigher-cost private hospitals≈ THB 131,000–259,000

≈ estimated. Planning ranges, not quotes.

What will cover cost me, this year and in total to 80?

Health insurance gets more expensive as you get older, in steps. So the real cost is not this year’s price, but what you pay over the years. See both, at three levels of cover.

For new applicants over 75, your report shows no premium figures, because each insurer sets its terms case by case, after assessing your health. This is about new cover, not the renewal price of a policy you already hold.

A man aged 65, worldwide cover excluding the USSample

  • Low cover

    Yearly limit for hospital stays: USD 300,000 to under 1.5m

    Per year at 65
    USD 6,800–7,500
    Total, 65 to 80
    USD 165,000–195,000 *

  • Mid cover

    Yearly limit for hospital stays: USD 1.5m to under 3m

    Per year at 65
    USD 8,900–12,200
    Total, 65 to 80
    USD 220,000–300,000 *

  • High cover

    Yearly limit for hospital stays: USD 3m or more

    Per year at 65
    USD 9,300–18,600
    Total, 65 to 80
    USD 240,000–530,000 *

* Partly estimated. The middle half of market prices: not a quote or a forecast.

Can I still get new cover at my age?

Getting accepted gets harder with age. See how many insurers selling your cover area take new applicants at your age, in our market data.

Insurers selling worldwide cover excluding the US that take new applicantsSample

  • At 65

    All

  • By 76

    About 5 in 10

Each one assesses your health first.

Samples from a Quick Check for a sample reader: 65, male, worldwide cover excluding the US, Chiang Mai.

Also in your report

Five mistakes that cost people money.

Each one is easy to avoid once you know it.

  1. Buying insurance just to pass a visa.
  2. Relying on travel or nomad insurance
    for a long stay.
  3. Thinking a million-baht accident policy
    covers illness.
  4. Going into hospital for a planned stay
    without pre-authorization.
  5. Assuming insurance means you will never pay a deposit.

Your free report shows you how to avoid all five.

Each mistake comes with what to do instead.

Start my free Quick Check

See it for yourself

Seven pages, in plain numbers.

Built from your answers, and yours to keep. Select a sample page to read it.

  1. Sample page: the cover, with the reader’s answers and what is inside

    Your answers, and what is inside

  2. Sample page: what a year of healthcare costs in Chiang Mai

    What a year of healthcare costs

  3. Sample page: what cover costs, this year and in total to 80

    What cover costs

  4. Sample page: five mistakes that cost people money, shown smallIn your report

    Five mistakes, and what to do instead

  5. Sample page: the reader’s numbers on one sheet, shown smallIn your report

    Your numbers, and your next steps

Sample pages from a Quick Check for a sample reader: 65, male, worldwide cover excluding the US, Chiang Mai.

1 of 3 Your answers, and what is inside

And what to do next

Your numbers on one sheet

Everything that matters, on the one page to keep.

Five steps you can take now

Each one at no cost, before you compare a single quote.

Two numbers for your phone

For a medical emergency, and for help in several languages.

Start my free Quick Check

Our experts

  • Ravipas Chaloenchansa

    Ravipas Chaloenchansa,
    CFA, CFP®

    Thailand

    Finance & Retirement

  • Noppakun Sasipibool

    Noppakun Sasipibool

    Thailand

    Insurance

  • Ravinun Poovatanakul

    Ravinun Poovatanakul

    Thailand

    Thai & International Tax

  • Lattapon Chaloenchansa

    Lattapon Chaloenchansa

    Thailand

    Visa & Relocation

Read our full disclosures

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.

Questions

Before you start

Is it really free?

Yes. The Quick Check is free. There is no payment or subscription required to receive your report.

Will it tell me which cover to buy?

No. It shows what care and cover cost at each level, so you can see the range for yourself. The choice of hospital, cover and insurer stays yours.

How soon will I get my report?

It is prepared as soon as you finish the questions. You can download it from the page, and it is emailed to you. The download works for 24 hours, so please keep the emailed copy.

I am over 75. Is it still useful?

Yes. The Quick Check is written for ages 50 to 99. For new applicants over 75 it shows no premium figures, because each insurer sets its terms case by case, after assessing your health. It shows what care can cost in your city, how many insurers still take new applicants at your age, and why the renewal terms of a policy you already hold matter.

What happens to my answers and my email address?

We use your email address to send your free report. You can also choose practical updates about healthcare and insurance planning in Thailand: these are optional, and you can unsubscribe at any time. Your answers and the report are deleted from our active systems within 24 hours of delivery. If you choose updates, we keep your email address for them until you unsubscribe.

Who prepares my report?

It is generated automatically from our research, by fixed rules. No AI writes it, and our experts do not review individual reports.

Is this insurance advice?

No. The Quick Check gives you facts and market prices so you can decide for yourself. Thailand Ready is not an insurance agent or broker. It does not sell, recommend or arrange insurance, and it takes no payment from insurers, agents or brokers.

Do you name insurers or hospitals?

No. Prices are market ranges for planning, not quotes. Confirm current prices with the hospital or the insurer.

Prices are planning ranges, not quotes, and they change over time: confirm current prices with the hospital or the insurer. Privacy Policy and full disclosures

An older couple sharing a meal on a garden terrace in Thailand at dusk

Your Quick Check

Your first numbers are four questions away.

  • Free, with nothing to pay
  • Nothing about your health
  • Prepared as soon as you finish
  • Yours to keep as a PDF

Question 1 of 4

How old are you?

The Quick Check is written for ages 50 to 99. Prices and who takes new applicants change with age.

  1. 2 Sex
  2. 3 Cover area
  3. 4 City
  4. 5 Your email

We send your report by email. Updates are optional, and you can unsubscribe at any time. Your answers and the report are deleted from our active systems within 24 hours of delivery; if you choose updates, we keep your email address for them.

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