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Health insurance recommendation

Last activity 29 November 2024 by beckybella518

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fruitspunch

Hello,


I'm going to live and work in Thailand starting in January 2025.


It seems like I will get a basic limited health coverage simply by being legally employed by a company based in Thailand.

However, I have heard people recommend getting private health insurance.


Since I'm from a country with a high level of social spending, I have never needed a private health insurance before, so I don't have experience with that.


My problem is that I have 2 chronic conditions (of medium severity, nothing too drastic, but not trivial either) that I want covered and most insurances don't do that on principle. I'm 36 years old.


Can anybody recommend a legitimate health insurance that does cover preexisting conditions?


Thank you

Goodmorningthailand

@fruitspunch


Good evening,

This topic is recurring on the forum, and I also come from a country with social health insurance (France).

In fact, there is no real answer to your question: it depends on these pre-existing conditions. And this assessment is made by  doctor of the company when you apply for health insurance. 3 possible answers:

- refusal

- accepted but with conditions (surcharge, exclusions)

- accepted without restriction.

Unfortunately, I fear that you will have to do like all expatriates: either you contact each company and they will send you proposals, or you go through a broker and he will send you others. Maybe you can start on web: many insurance co. have websites where you can get a quote quickly.

For my part, I have pre-existing conditions and I am older than you, and the insurance company Mondassur is the only one that accepted my health profile, but with a surcharge. On the other hand, it also covers these pre-existing conditions. Maybe employees at your company could give you other advices ?

Good luck!

bgrant47

@Goodmorningthailand

Good answer!

beckybella518

@Goodmorningthailand

Mansard insurance

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