How to choose the best health insurance for expats aged 40-60 in Thailand
Moving to Thailand as an expat brings exciting new experiences, but it also comes with the responsibility of securing quality healthcare, especially for those between 40 and 60. At this stage in life, it’s important to find a health insurance plan that covers your specific needs and ensures peace of mind. Here’s a guide to help you choose the best health insurance plan for an expat in Thailand.
1. Assess your health needs
As you enter your 40s and 50s, it’s essential to consider your health requirements, which may include regular check-ups, managing chronic conditions, or preventive care. Evaluate your medical history and any ongoing health issues to determine what coverage you need. Look for insurance that offers comprehensive services such as inpatient and outpatient care, preventive services, and specialist consultations. Also, consider plans that provide access to wellness programmes, which can help you maintain a healthy lifestyle and catch potential health issues early.
2. Look for age-specific coverage
With age comes an increased need for medical attention, so your insurance plan should reflect that reality. Ensure the health insurance you choose provides extensive coverage for age-related illnesses and treatments, such as heart disease, diabetes, and other chronic conditions. Plans that include regular health check-ups, screenings, and wellness programmes can help you stay proactive about your health. This is very important in Thailand, where certain lifestyle factors may increase the risk of specific health issues.
Here are the costs for health check-up packages at several hospitals in Thailand:
| Hospital | Health Check-Up Package | Cost (THB) |
|---|---|---|
| Bangkok Hospital | Executive Health Check | 12,000 – 29,900 |
| Samitivej Sukhumvit Hospital | Annual Health Check-Up Packages | Starting from 14,000 |
| Vejthani Hospital | Health Check-Up Program (Basic) | 12,900 |
| President Plus Package | 50,500 | |
| Bumrungrad Hospital | Comprehensive Health Check-Up Packages | Starting from 12,000 |
| Praram 9 Hospital | Fighting Package (40+) | 10,900 (Basic) |
| Advance Package (40+) | 16,900 | |
| Bangkok Hospital Chiang Rai | Executive Checkup | 13,500 – 18,500 |
Health check-ups can be quite expensive without health insurance. Having health insurance, such as Cigna, can help cover these costs, ensuring that you receive necessary medical care without worrying about the out-of-pocket expenses.
3. Global and local network coverage
Thailand is well-known for its healthcare system, including both public and private hospitals. It’s important to choose a plan that provides access to a wide network of hospitals and clinics across the country, especially in major cities like Bangkok, Chiang Mai, and Phuket. If you travel frequently, ensure your plan includes global coverage so you’re protected wherever you go. A good insurance plan should allow you to visit good hospitals without being restricted to specific facilities, giving you the freedom to choose the care that best suits your needs.
4. Check for flexibility and customisation
Every expat has unique needs, and your insurance should suit that. Look for flexible plans that allow you to add or remove certain benefits based on your personal requirements. For instance, if you want to include dental and vision coverage or maternity benefits, ensure these options are available. Providers like Cigna Health Insurance offer customisable plans that let you tailor your coverage, ensuring you only pay for what you truly need while still receiving comprehensive protection.
5. Consider the premiums and excesses
While a low premium may seem attractive, it’s crucial to evaluate the overall costs associated with your plan. A cheaper plan might come with higher out-of-pocket expenses which can add up quickly if you require frequent medical care. Look for a balance between affordable premiums and manageable excesses. Long-term affordability is key, so choose a plan that provides good value without compromising on essential coverage.
6. Review the benefits for pre-existing conditions
Many expats aged between 40 and 60 may have pre-existing medical conditions that require ongoing management. It’s essential to check whether your insurance provider covers these conditions and if there are any waiting periods or exclusions. Some plans might exclude pre-existing conditions altogether, so finding a provider that offers transparency regarding how these conditions are handled is crucial. Understanding the terms of coverage can prevent unexpected costs and ensure you receive the necessary care.
7. Emergency and evacuation coverage
Emergencies can happen at any time, especially when living abroad. Ensure that your health insurance plan includes emergency coverage, particularly medical evacuation services. Suppose you live in a remote area or plan to travel within Southeast Asia. In that case, evacuation coverage is essential to ensure you can be transferred to a decent hospital in an emergency. This coverage can be a lifesaver, providing peace of mind during unexpected health crises.
8. Add-ons for wellness and preventive care
Staying healthy is just as important as receiving treatment. Expats in their 40s and 50s should prioritise plans that focus on preventive care and wellness programmes. Consider options that cover mental health services, annual physicals, vaccinations, and wellness check-ups.
Cigna offer comprehensive wellness add-ons that encourage proactive health management, helping you maintain a healthy lifestyle and catch potential health issues early.
Why Cigna is the best health insurance for people aged 40 to 60
Choosing the best health insurance plan as an expat in Thailand involves finding a policy that fits your unique lifestyle and health needs. For those aged 40 to 60, focussing on comprehensive coverage, flexibility, and affordability is crucial.
Cigna Health Insurance specialise in plans catering to expats, offering customised options, global coverage, and wellness benefits tailored to this age group. By investing in a quality health insurance plan with Cigna, you can rest easy knowing you’re protected, whether you’re enjoying life in Thailand or travelling abroad.
Take control of your health today and get your free quote from Cigna to ensure you have the coverage you need for a healthy and fulfilling expat experience.
Flexible plans
Cigna allows you to customise your insurance plan to fit your specific needs. You can add or remove benefits like dental and vision coverage, ensuring you only pay for what you need.
Global network
With access to over 2.2 million healthcare providers worldwide, Cigna ensures you can find quality care wherever you are, whether in Thailand or travelling.
Mental health support
Cigna plans include mental health services, providing access to a large network of mental health professionals, which is important for overall well-being.
No age limits
Cigna does not impose age limits on their plans, allowing you to enroll and remain covered for life, which is beneficial for older adults.
Emergency coverage
Cigna offers emergency and evacuation coverage, ensuring you receive prompt medical attention in critical situations, especially important for expats.
Focus on wellness
Cigna emphasises preventive care, offering services like annual check-ups and vaccinations to help you maintain your health as you age.
Trusted reputation
Cigna is a well-established company with a strong reputation for customer service and financial stability, giving you confidence in your coverage.
Cigna insurance plans
Silver plan
- Overview: Core international inpatient and day-patient coverage. 🏥
- Annual limit: ~36,150,000 Thai Baht
- Add-ons: Outpatient care, Evacuation 🚁, Crisis assistance, Health checks, Dental and Vision care.
Gold plan
- Overview: Enhanced coverage with higher limits and maternity care. 🤰
- Annual limit: ~72,300,000 Thai Baht
- Add-ons: Includes everything in Silver, plus enhanced outpatient care.
Platinum plan
- Overview: Premium unlimited coverage, most benefits fully covered. 💎
- Annual limit: Unlimited
- Add-ons: Comprehensive care across all modules.
By choosing Cigna, individuals aged 40 to 60 can enjoy a reliable health insurance plan that meets their unique needs, providing peace of mind and comprehensive care.
