Why Choose The Thaiger?
There’s no better way to spend your golden years and retirement days than in Thailand. The Thaiger will give you the best option for retiree health insurance and let you enjoy the beauty of Thailand safe and worry-free.
What is Health Insurance Over 50s?
As the name suggests, health insurance for those who are over 50 years old is insurance specifically designed for older people who have or are looking to retire.
As you get older, it’s vital to ensure you have adequate medical coverage for any uncertainties regarding your health. With their flexible options, over 50s health insurance plans will provide you with the best treatment for your ailments. However, some pre-existing conditions, such as diabetes and asthma, could be excluded.
Having a health insurance plan is also a requirement for those who want to spend their retirement years in Thailand using Non-immigrant visas O-A and O-X. The Thai government requires people with this type of visa to have a health insurance policy with coverage amounts of 400,000 Baht for inpatient coverage (or IPD) and 40,000 baht for outpatient coverage (OPD).
This health insurance policy meets all the requirements to apply and renew O-A Long Stay Visas in Thailand.
Insurance policy holders will receive an Insurance Certificate to support their visa applications.
What Should You Consider When Purchasing Retiree Health Insurance?
We understand that you want the best insurance for your health. That’s why looking for the following things will guide you in finding the right health insurance for you.
Options
It’s better to have options, so look for insurers who offer a variety of deductible options at reasonable prices. This will also benefit you when you have to renew your policy.
Availability
In some cases, you might need fast access to high-quality treatments and hospitals. Therefore, make sure that your policy covers Outpatient as well as Inpatient.
Check-ups
Over the age of 65 years old, medical check-ups are often required when applying for a health insurance policy. Consult our agent to find out which check-ups you’ll need to do.
24/7 Service
You’ll want to have access to claims, healthcare experts, and general support who can respond to your questions in proper English no matter where you are or what time it is.
What are the advantages of having health insurance for retirees?
Health insurance for retirees offers various advantages. From giving you the much needed financial protection, and allowing you to retire in Thailand, here is a list of advantages you can enjoy with health insurance for retirees.
Customer Ratings
4.8/5
25 reviews
Customer Reviews
25/4/2021
This type of health insurance is a perfectly easy solution to get approval for a long stay visa.
Jay Summer
27/5/2021
Friendly services, explaining everything clearly. The policy comes with a lot of different benefits, I added my wife to the policy as well.
Hans Hillford
5/5/2021
Since I have health problems and I am in my retirement years, the simple step-by-step instructions on the site were very helpful. Getting my insurance policy has made me very happy.
Gary Brown
1/6/2021
Even after purchasing the policy the Thaiger and their partner are still available to address your concerns and problems. It was the right decision to buy insurance from Thaiger. Great services, thanks!
Floyd Batty
8/5/2021
It was a very great service. The guy who calls me was really helpful and nice.
Gia Benson
8/6/2021
There are not many options for people my age, so I didn’t need to think too much. The person who called me was very nice and patient with me. I am happy to recommend this service to other people.
Nathan Tomerson
22/5/2021
I received excellent service from Thaiger. It was user-friendly and helpful, more importantly, I found the insurance that met my needs. 5 stars!
Sally Owens
22/6/2021
I got a call back the same day from a nice guy name Math which explains to me all my options. There are not many options either way, but it was nice to finally get good English service in Thailand.
Sam Halter
Health Insurance for Retirees Plan
There are two main health insurance plans for retirees. Both have flexible and customisable policies, so you can tailor your plan according to your needs. Whether you’re looking for health insurance to be eligible to apply for a Non-Immigrant Visa O-A or O-X, or you’re looking for health insurance to protect your health while living in Thailand, the following plans can be in your choice.
With this plan, you will be covered for the Thai government’s requirements, so you can then apply for a Non-Immigrant Visa O-A or O-X and spend your retirement years in Thailand without any problems.
Affordable premiums and wide inpatient deductible options ranging from ฿20,000 to ฿200,000 are available under this plan.
There are several factors that affect the price of your insurance, one of them is your age.
When getting insurance with a deductible amount, those are the prices you can expect to pay, according to your age:
51-55 years old – ฿12,992 – ฿29,888
56-60 years old – ฿16,416 – ฿37,880
61-65 years old – ฿16,790 – ฿38,708
66-70 years old – ฿18,591 – ฿42,795
71-75 years old – ฿24,392 – ฿56,130
76-80 years old – ฿28,462 – ฿65,450
Key points
- Meet all requirements for OA Long Stay visa applications for foreigners intending to retire in Thailand
- Cover for Covid-19 and other medical expenses
- Direct billing services for treatments within the insurer’s medical network
- Optional Medical Evacuation services
- International and multi-cultural team to service you
- 24/7 Emergency Customer Service
- Applicants up to 80 years old, Renewable until 90 years old
- Before 65 years old no medical check-up needed to apply
- After 65 years old: can assist in coordinating your personalized medical health check-up in Thailand
(Fees related to the physical examination aren’t included in the insurance policy) - Limit per disability – ensures a more flexible coverage, restoring the benefits limit for each new disease
This plan covers you for both inpatient and outpatient treatments as required by the Thai government for those who want to apply for a Non-Immigrant visa O-A or O-X. A range of additional coverage is also included within this plan, such as lab tests and annual checkups.
Getting insurance without a deductible amount means your insurance company starts to pay for your health expenses from the first use.
There are several factors that affect the price of your insurance, one of them is your age.
When getting insurance without a deductible amount, this is the starting price you can expect to pay, according to your age:
51-55 years old – ฿42,560
56-60 years old – ฿53,977
61-65 years old – ฿55,148
66-70 years old – ฿60,946
71-75 years old – ฿79,932
76-80 years old – ฿93,192
Key points
- Meet all requirements for OA Long Stay visa applications for foreigners intending to retire in Thailand
- Cover for Covid-19 and other medical expenses
- Direct billing services for treatments within the insurer’s medical network
- Optional Medical Evacuation services
- International and multi-cultural team to service you
- 24/7 Emergency Customer Service
- Applicants up to 80 years old, Renewable until 90 years old
- Before 65 years old no medical check-up needed to apply
- After 65 years old: can assist in coordinating your personalized medical health check-up in Thailand
(Fees related to the physical examination aren’t included in the insurance policy) - Limit per disability – ensures a more flexible coverage, restoring the benefits limit for each new disease
Choose the insurance plan that’s right for you
Starting from
฿12,992 / year
51-55 years old
The price for this plan depends on the deductible amount you choose.
-
-
- Overall maximum Inpatient benefit payable per disability under the plan (including in 1) of 450,000 THB
- Hospital room and board per day, inclusive of nursing care per day (max 60 days per disability).
>Normal room up to 2,000 THB
>Intensive Care Unit (I.C.U.) (max 30 days per disability) up to 4,000 THB - Hospital general expenses (max per disability) up to 50,000 THB
- Outpatient follow-up treatment within 30 days after hospital’s discharge up to hospital general expenses
- Emergency outpatient treatment for accident – 1st visit within 24h of emergency inclusive of follow up treatment within 30 days up to 4,000 THB
- Ambulance service per time up to 1,500 THB
- Remark: Medical expenses provided for bone marrow transplantation, organ transplant, kidney dialysis (maximum per year) up to 20,000 THB
- Surgeon’s fees per disability (per surgical schedule) up to 50,000 THB
- Inpatient physician’s fee for a doctor visit (max 1 visit per day and 60 days per disability) up to 1,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of non-surgical up to 3,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of surgical up to 4,000 THB
- Major medical pays 90% in excess of the basic inpatient benefits (excluding hospital room & board per day inclusive of nursing care, ambulance fee)
- Overall maximum Outpatient benefit payable per year under the plan of 45,000 THB
- Loss of life, dismemberment, loss of sight, hearing, speech or permanent including driving or riding as a passenger on motorcycles up to 100,000 THB
-
Starting from
฿16,416 / year
56-60 years old
The price for this plan depends on the deductible amount you choose.
-
-
- Overall maximum Inpatient benefit payable per disability under the plan (including in 1) of 450,000 THB
- Hospital room and board per day, inclusive of nursing care per day (max 60 days per disability).
>Normal room up to 2,000 THB
>Intensive Care Unit (I.C.U.) (max 30 days per disability) up to 4,000 THB - Hospital general expenses (max per disability) up to 50,000 THB
- Outpatient follow-up treatment within 30 days after hospital’s discharge up to hospital general expenses
- Emergency outpatient treatment for accident – 1st visit within 24h of emergency inclusive of follow up treatment within 30 days up to 4,000 THB
- Ambulance service per time up to 1,500 THB
- Remark: Medical expenses provided for bone marrow transplantation, organ transplant, kidney dialysis (maximum per year) up to 20,000 THB
- Surgeon’s fees per disability (per surgical schedule) up to 50,000 THB
- Inpatient physician’s fee for a doctor visit (max 1 visit per day and 60 days per disability) up to 1,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of non-surgical up to 3,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of surgical up to 4,000 THB
- Major medical pays 90% in excess of the basic inpatient benefits (excluding hospital room & board per day inclusive of nursing care, ambulance fee)
- Overall maximum Outpatient benefit payable per year under the plan of 45,000 THB
- Loss of life, dismemberment, loss of sight, hearing, speech or permanent including driving or riding as a passenger on motorcycles up to 100,000 THB
-
Starting from
฿16,790 / year
61-65 years old
The price for this plan depends on the deductible amount you choose.
-
-
- Overall maximum Inpatient benefit payable per disability under the plan (including in 1) of 450,000 THB
- Hospital room and board per day, inclusive of nursing care per day (max 60 days per disability).
>Normal room up to 2,000 THB
>Intensive Care Unit (I.C.U.) (max 30 days per disability) up to 4,000 THB - Hospital general expenses (max per disability) up to 50,000 THB
- Outpatient follow-up treatment within 30 days after hospital’s discharge up to hospital general expenses
- Emergency outpatient treatment for accident – 1st visit within 24h of emergency inclusive of follow up treatment within 30 days up to 4,000 THB
- Ambulance service per time up to 1,500 THB
- Remark: Medical expenses provided for bone marrow transplantation, organ transplant, kidney dialysis (maximum per year) up to 20,000 THB
- Surgeon’s fees per disability (per surgical schedule) up to 50,000 THB
- Inpatient physician’s fee for a doctor visit (max 1 visit per day and 60 days per disability) up to 1,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of non-surgical up to 3,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of surgical up to 4,000 THB
- Major medical pays 90% in excess of the basic inpatient benefits (excluding hospital room & board per day inclusive of nursing care, ambulance fee)
- Overall maximum Outpatient benefit payable per year under the plan of 45,000 THB
- Loss of life, dismemberment, loss of sight, hearing, speech or permanent including driving or riding as a passenger on motorcycles up to 100,000 THB
-
Starting from
฿18,591 / year
66-70 years old
The price for this plan depends on the deductible amount you choose.
-
-
- Overall maximum Inpatient benefit payable per disability under the plan (including in 1) of 450,000 THB
- Hospital room and board per day, inclusive of nursing care per day (max 60 days per disability).
>Normal room up to 2,000 THB
>Intensive Care Unit (I.C.U.) (max 30 days per disability) up to 4,000 THB - Hospital general expenses (max per disability) up to 50,000 THB
- Outpatient follow-up treatment within 30 days after hospital’s discharge up to hospital general expenses
- Emergency outpatient treatment for accident – 1st visit within 24h of emergency inclusive of follow up treatment within 30 days up to 4,000 THB
- Ambulance service per time up to 1,500 THB
- Remark: Medical expenses provided for bone marrow transplantation, organ transplant, kidney dialysis (maximum per year) up to 20,000 THB
- Surgeon’s fees per disability (per surgical schedule) up to 50,000 THB
- Inpatient physician’s fee for a doctor visit (max 1 visit per day and 60 days per disability) up to 1,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of non-surgical up to 3,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of surgical up to 4,000 THB
- Major medical pays 90% in excess of the basic inpatient benefits (excluding hospital room & board per day inclusive of nursing care, ambulance fee)
- Overall maximum Outpatient benefit payable per year under the plan of 45,000 THB
- Loss of life, dismemberment, loss of sight, hearing, speech or permanent including driving or riding as a passenger on motorcycles up to 100,000 THB
-
Starting price
฿24,392 / year
71-75 years old
The price for this plan depends on the deductible amount you choose.
-
-
- Overall maximum Inpatient benefit payable per disability under the plan (including in 1) of 450,000 THB
- Hospital room and board per day, inclusive of nursing care per day (max 60 days per disability).
>Normal room up to 2,000 THB
>Intensive Care Unit (I.C.U.) (max 30 days per disability) up to 4,000 THB - Hospital general expenses (max per disability) up to 50,000 THB
- Outpatient follow-up treatment within 30 days after hospital’s discharge up to hospital general expenses
- Emergency outpatient treatment for accident – 1st visit within 24h of emergency inclusive of follow up treatment within 30 days up to 4,000 THB
- Ambulance service per time up to 1,500 THB
- Remark: Medical expenses provided for bone marrow transplantation, organ transplant, kidney dialysis (maximum per year) up to 20,000 THB
- Surgeon’s fees per disability (per surgical schedule) up to 50,000 THB
- Inpatient physician’s fee for a doctor visit (max 1 visit per day and 60 days per disability) up to 1,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of non-surgical up to 3,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of surgical up to 4,000 THB
- Major medical pays 90% in excess of the basic inpatient benefits (excluding hospital room & board per day inclusive of nursing care, ambulance fee)
- Overall maximum Outpatient benefit payable per year under the plan of 45,000 THB
- Loss of life, dismemberment, loss of sight, hearing, speech or permanent including driving or riding as a passenger on motorcycles up to 100,000 THB
-
Starting price
฿28,462 / year
76-80 years old
The price for this plan depends on the deductible amount you choose.
-
-
- Overall maximum Inpatient benefit payable per disability under the plan (including in 1) of 450,000 THB
- Hospital room and board per day, inclusive of nursing care per day (max 60 days per disability).
>Normal room up to 2,000 THB
>Intensive Care Unit (I.C.U.) (max 30 days per disability) up to 4,000 THB - Hospital general expenses (max per disability) up to 50,000 THB
- Outpatient follow-up treatment within 30 days after hospital’s discharge up to hospital general expenses
- Emergency outpatient treatment for accident – 1st visit within 24h of emergency inclusive of follow up treatment within 30 days up to 4,000 THB
- Ambulance service per time up to 1,500 THB
- Remark: Medical expenses provided for bone marrow transplantation, organ transplant, kidney dialysis (maximum per year) up to 20,000 THB
- Surgeon’s fees per disability (per surgical schedule) up to 50,000 THB
- Inpatient physician’s fee for a doctor visit (max 1 visit per day and 60 days per disability) up to 1,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of non-surgical up to 3,000 THB
- Specialist consultation fee per disability Specialist consultation fee in case of surgical up to 4,000 THB
- Major medical pays 90% in excess of the basic inpatient benefits (excluding hospital room & board per day inclusive of nursing care, ambulance fee)
- Overall maximum Outpatient benefit payable per year under the plan of 45,000 THB
- Loss of life, dismemberment, loss of sight, hearing, speech or permanent including driving or riding as a passenger on motorcycles up to 100,000 THB
-
The Thaiger’s Partners
Retirement is the time for you to finally sit back and relax, so make sure to have peace of mind with the Best Health Insurance for you.
I have many questions about health insurance for retirees, especially since it’s a requirement for me to retire in Thailand. The Thaiger has answered all of my questions, helped me choose the right plan, and made me confident about the product I was purchasing.
Top tip: Make sure to read and understand what coverage is included. This way, you’ll now if you’re fully protected or if you need to take additional coverages.
Policies for Retirement Health Insurance
It’s a common misconception that some insurers won’t cover people over 65, but the plans you’re offered are likely to have some limitations. When looking for retiree insurance in Thailand, keep the following points in mind:
– The plan’s highest age limit
– What happens if you have a pre-existing condition?
– How chronic diseases can be treated?
– How simple is it to file a claim?
– How simple is it to renew your insurance policy?
– Where do you get treatment in Thailand?
Choosing a health insurance plan for retirement in Thailand can be complicated, but we can help you simplify the process and give you more time to enjoy your golden years.
Join the many satisfied customers who’ve got their Health Insurance for Retirees with The Thaiger
Other Related Products
There’s a vast option when it comes to health insurance. We listed down below some other health-related insurance that might interest you.
International Health Insurance
International health insurance is meant to provide people relocating from their home country with comprehensive health coverage for a prolonged period of time. For expats and their families, citizens with dual residences, students studying abroad, and many more.
Tropical Disease Insurance
Get protection against mosquito-borne diseases such as Dengue Fever and more
Cancer Insurance
Protect yourself and your loved ones from cancer and the financial hardship it may cause.
What Coverage does Health Insurance for Retirees Offer?
Just like regular health insurance, health insurance for retirees offers a wide range of coverage. Below are some of the coverages.
Inpatient Cover or IPD
A minimum sum insured of 400,000 THB is included in Health Insurance for Retirees, which meets the requirement for Non-Immigrant Visa O-A and O-X set by the Thai Government. This cover is for hospitalization, meaning that you will be covered for the cost if you are admitted and stay in the hospital overnight or more.
Outpatient Cover or OPD
This coverage is required when applying for the O-A and O-X visa. You need to have a minimum cover of 1,200 THB to be able to obtain the visa. This coverage is for doctor’s visits and outpatient procedures that do not require you to stay in the hospital overnight.
International Health Insurance
International health insurance is meant to provide people relocating from their home country with a comprehensive standard of health coverage for a prolonged period of time. It’s different from travel insurance, which provides cover for emergency services while you are in another country for a shorter period of time.
An international health insurance plan provides a variety of covers appropriate for someone who has been employed and living for a year or more outside their home country. International health insurance includes, among others: surgical and emergency evacuations; costs for medical care; maternity coverage; access to doctors and prescription drugs.
Frequently Asked Questions about Health Insurance for Retirees
Before 65 years old, there is no need for a medical check-up to apply for this insurance plan.
After 65 years old, a medical check-up is required.
We can assist in coordinating this medical check-up in Thailand. Please keep in mind, any fees related to
the physical examination will not be included in the insurance policy.
In the first year of the policy, the insured must pay the premium before or on the effective date.
The coverage will commence from the effective date stated in the policy schedule, with 30 days waiting period starting from the policy start date for any sickness. (Except for injuries from an accident)
120 days waiting period applies for the following diseases:
– Benign/malignant tumor/cancer/cystic mass
– Hemorrhoids
– Hernias
– Pterygium, pinguecula, cataract
– Tonsillectomy or adenoidectomy
– Stones
– Varicose Veins
– Endometriosis
You can apply with a pre-existing medical condition, but those pre-existing conditions may be excluded from your coverage.
Yes, those insurance plans can be renewed until 90 years old. The insurer reserves the right to adjust the insurance renewal premium according to your personal claim experience and increasing age.
Yes, you can choose any licensed medical or surgical provider in Thailand. Excluded any modern medicine or alternative medicine provider.
No, in most cases if you visit a hospital out of the direct billing network, the insurer will settle the bill with the hospital directly. If you visit a hospital outside the network, you will need to submit to your insurer your claims.
These treatments will be counted within the same disability limit unless such treatments occur more than 90 days after the last related treatment date in case of hospitalization, or more than 14 days for outpatient treatments.
This policy is under Thai Baht (THB), applicable to both benefits and reimbursements. You may
pay the full annual premium by bank transfer, debit card or credit card.
Yes. You can add the following:
– Spouse of the Insured who is less than 80 years old.
– Legal children of the Insured or of the spouse, between the ages of 6-20 years who are not yet married and are still attending school.
A retirement visa requires a monthly salary of 65,000 baht (roughly USD 2,000) or deposits of 800,000 baht (roughly USD 25,000) in a Thai bank account. This is a decent starting point for a retired pair, according to Steven LePoidevin, Thailand Correspondent for InternationalLiving.com.
Any employee in Thailand must now retire at the age of 60 as a result of the Thai government’s changes to previous legislation. At this point, the employee has the option of continuing to work.
Yes, indeed. Obtain an O Visa for Non-Immigrants. This visa does not require mandatory health insurance.
You can reduce or cancel your coverage at any time, but you won’t be able to re-enrol in the program later if you cancel; otherwise, you’ll have to go through a Qualifying Status Change (QSC) event and make changes within the QSC window.
If you want to enrol dependents in your insurance plan, you must provide proof of their eligibility within the registration deadlines, or the dependents will be denied coverage.
If the insured lives past the maturity date, the annuity will be paid from the policy anniversary date on which the insured turns 60 until the policy anniversary date on which the insured turns 85; the annuity is equivalent to 20% of the original amount insured.
Guarantees tax-free and charge-free retirement payments until the age of 90, and will guarantee income to enjoy your longevity.
Retiree insurance is a type of health insurance that a company can provide to its retired employees. Medicare almost often takes priority over retiree benefits. This means that in order to be completely insured, you must participate in Medicare. When you become Medicare-eligible, certain retiree plans require you to enroll in Sections A and B.
Inquire Now to Receive your Health Insurance for Retirees Quotes