Thinking of retiring in Thailand long-term? Here’s your health checklist before the move
Overview of healthcare options, tips, and possible emergencies to keep on top of
Thinking of retiring in Thailand long-term? Thailand is a popular choice for retirees because of its beautiful landscapes, warm climate, and affordable living. Cities like Chiang Mai and coastal areas offer a relaxed lifestyle with friendly communities. The country also has great healthcare, with modern hospitals and skilled doctors at lower prices than in Western countries. Before you move, it’s important to plan your healthcare, get the right health insurance, and understand how the system works. These steps will help you enjoy a smooth and healthy retirement in Thailand.
On this page
| Jump to Section | Description |
|---|---|
| 1. Research Thailand’s healthcare system | Understand the public and private healthcare options available in Thailand, and how to navigate the system. |
| 2. Assess your health needs | Evaluate your existing health conditions and determine any necessary care before retiring in Thailand. |
| 3. Find health insurance for expats | Learn about the types of health insurance available for expats, including local and international options. |
| 4. Find the right healthcare provider in Thailand | Tips on choosing the right hospitals and clinics, and how to overcome language barriers in healthcare. |
| 5. Understand medication and prescriptions in Thailand | How to manage medications in Thailand, including bringing prescriptions and understanding local regulations. |
| 6. Prepare for emergencies | Ensure you are prepared for medical emergencies with the right numbers, evacuation services, and health apps. |
| 7. Stay up with your health and wellness | Maintain a healthy lifestyle in Thailand through exercise, diet, and mental wellness practices. |
1. Research Thailand’s healthcare system
Thailand’s healthcare system is a big reason why many retirees choose to live here. With both public and private healthcare options, the country offers quality care that’s affordable and easy to access.
Public healthcare
Thailand’s public healthcare system provides affordable care for Thai citizens, funded by taxes. Public hospitals offer basic services at low or no cost to locals, but expats usually need to pay out-of-pocket or get private health insurance. While these hospitals are widespread, they may have longer wait times and fewer English-speaking staff.
Private healthcare
Private healthcare makes up about 65% of Thailand’s healthcare system. Private hospitals are known for faster service, modern equipment, and high-quality care. Many have multilingual staff and international accreditation, making them a popular choice for expats. Thailand is also a medical tourism hub, with treatments available at a much lower cost than in Western countries.
Quality of medical services in major cities
Bangkok and Chiang Mai have some of Thailand’s best hospitals. In Bangkok, hospitals like Bangkok Hospital are recognized worldwide for their high standards. In Chiang Mai, Lanna Hospital and others offer advanced care and international services, making these cities ideal for retirees seeking quality healthcare.
Health insurance for expats
Expats in Thailand usually need private health insurance to access top private hospitals and meet visa requirements. Cigna offers health insurance plans for expats, providing access to the best medical facilities and coverage for long-term residents. With Cigna, retirees can enjoy comprehensive care and peace of mind.
2. Assess your health needs
Before retiring in Thailand, take time to review your health and any ongoing medical needs. If you have chronic conditions like diabetes or arthritis, you will need regular care and access to healthcare. The hot, humid climate may worsen certain conditions, like arthritis pain or dehydration. Retirees are also at higher risk for tropical diseases like dengue fever, so it’s important to have coverage for these risks.
Routine check-ups are key to maintaining good health. Regular screenings for heart disease, diabetes, cancer, and other conditions can help catch problems early. Recommended check-ups include cardiovascular and diabetes screenings, bone density tests, cancer screenings, and vision and hearing exams. Many expat health insurance plans cover these services.
Vaccinations are important too. Thailand has different health risks compared to your home country. Speak with your doctor about vaccines for flu, hepatitis, and other diseases common in Thailand.
3. Find health insurance for expats
Health insurance is essential for retirees in Thailand since they aren’t covered by the Thai national health system. Since 2019, the government requires retirees applying for a Retirement (O-A) Visa to have insurance that covers at least 40,000 baht for outpatient care and 400,000 baht for inpatient care.
Local vs. international health insurance plans
Local health insurance plans are affordable and meet visa requirements, offering access to private hospitals. However, they may have limited coverage outside of Thailand.
International health insurance plans provide broader coverage, including worldwide benefits and direct billing at many private hospitals, reducing out-of-pocket costs.
Cigna Tip: Cigna’s international health insurance offers worldwide coverage, ensuring access to quality care locally and abroad while meeting visa requirements.
4. Find the right healthcare provider in Thailand
Choosing the right hospitals, clinics, and doctors is key to getting quality healthcare in Thailand. Here are some tips to help you make the best choice:
Research top hospitals and clinics
Thailand has many top private hospitals, especially in cities like Bangkok and Chiang Mai. Well-known hospitals like Bumrungrad International, Bangkok Hospital, and Samitivej Hospital in Bangkok offer full services with multilingual staff. In Chiang Mai, McCormick Hospital, Bangkok Hospital Chiang Mai, and Chiang Mai Ram Hospital also provide great care. Look for hospitals with good reputations, international accreditations, and the right specialities for your needs.
Address language barriers
Language can be an issue, but many top hospitals have international patient centres with staff who speak English and other languages. Check if English-speaking doctors and staff are available to ensure clear communication and better care.
Leverage digital consultations and health apps
Digital healthcare services are becoming more common in Thailand. Telemedicine platforms and health apps let you consult with doctors, manage appointments, and access medical records without needing to visit a hospital. These services are useful for routine check-ups and managing chronic conditions, offering convenience and reducing travel stress.
5. Understand medication and prescriptions in Thailand
Managing your medications properly is important when retiring long-term in Thailand to avoid legal issues and ensure continuous treatment.
Bringing medications into Thailand
You can bring prescription medications for personal use, but the amount should not exceed a 30-day supply. Make sure you have a valid prescription or medical certificate from your doctor. Keep medications in their original packaging with clear labels. Some controlled substances, like certain painkillers or psychotropic drugs, require a permit from the Thai Food and Drug Administration (FDA). You must apply for this permit at least two weeks before arrival. Medications containing narcotic drugs in Category 2 need this permit, while others may be prohibited entirely.
Managing prescriptions locally
Many common medications are available at Thai pharmacies, often without a prescription. However, the availability of foreign-brand or specialised drugs may vary. It’s a good idea to consult local doctors to get prescriptions for ongoing treatments. Some medications legal in your home country may be restricted or banned in Thailand, so always check local regulations before bringing them.
Potential challenges
- Over-the-counter medications may not be the same brands or formulations as those you’re used to.
- Language barriers can make communication with pharmacists or doctors more difficult.
- Bringing large quantities or unapproved drugs could lead to confiscation or legal penalties.
Recommendations
- Carry a doctor’s letter with details about your medical condition, medications, dosages, and treatment duration.
- Keep all relevant documentation with you during travel and while staying in Thailand.
- Regularly check the Thai FDA website for updates on medication import rules.
6. Prepare for emergencies
Having a plan for medical emergencies is important when retiring in Thailand. Knowing how to quickly get help can make a big difference in serious situations.
Key emergency numbers
- Dial 1669 for an ambulance and urgent medical help anywhere in Thailand. In cities like Bangkok, response times are usually 10 to 15 minutes, but in rural areas, it may take up to 30 minutes.
- Dial 191 for police, fire, and ambulance services. English-speaking operators are typically available in major cities.
- For tourist-related issues, contact the Tourist Police at 1155, with English assistance available.
Medical evacuation services
Medical evacuation is important, especially for those living in remote areas or with serious health issues. Private air ambulance services can quickly transfer patients to hospitals in Thailand or abroad. It’s wise to have health insurance that includes medical evacuation to avoid high costs.
Preparation tips
- Save emergency numbers in your phone and keep a written list.
- Know the nearest hospital with an emergency room and save its number.
- Consider downloading emergency apps like the Thai EMS 1669 app, which offers chat features and shows hospital locations.
- Learn basic Thai emergency phrases or use a translation app to help with communication.
Being prepared with emergency contacts, knowing how to access ambulance and evacuation services, and having a plan in place will help ensure quick medical support when needed in Thailand.
7. Stay up with your health and wellness
Staying healthy is essential for when retiring in Thailand. Regular exercise, good nutrition, and mental well-being are key to long-term health.
Stay active
Thailand’s warm weather and beautiful scenery make it easy to stay active outdoors. Simple exercises like walking, swimming, cycling, aerobics, and yoga improve strength, balance, and heart health. Many communities offer local fitness parks, swimming pools, and group exercise classes for all fitness levels. You can also enjoy activities like hiking or beach yoga for variety.
Healthy eating
Take advantage of Thailand’s fresh produce by adding fruits, vegetables, whole grains, and lean proteins to your diet. Local organic markets offer healthy ingredients, helping you maintain a balanced diet that boosts energy and helps prevent illness.
Mental well-being
Thailand’s wellness culture is strong, with plenty of yoga studios, meditation centres, and mindfulness retreats. Meditation and mindfulness can help reduce stress, improve emotional health, and bring peace of mind. Joining local community groups or wellness classes can also support mental and emotional health.
Local wellness facilities
Retirees in Thailand have access to many wellness options, including gyms, yoga studios, meditation retreats, and Thai massage spas. Wellness and detox retreats offer complete programs that combine fitness, nutrition, and relaxation to refresh both body and mind.
Retiring in Thailand offers a great lifestyle with its affordable living, beautiful scenery, and good healthcare. It’s important to research hospitals, manage your medications, and have the right health insurance such as Cigna. Staying active, eating well, and focusing on mental health are key to a healthy retirement. With the right planning, you can make the most of Thailand’s healthcare system and enjoy your retirement. To learn more about cutting medical costs in Thailand, check out this helpful guide: How to reduce out-of-pocket medical expenses in Thailand.
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