Medical insurance for expats, both Thailand and your home country in Expat Issues Posted January 19, 2021 19 hours ago, forcebwithu said: What you'll want to get is an expat policy which has requirements for how long you have to be out of your home country for the policy to remain in force. So that precludes you from purchasing expat health insurance to far in advance of your move. My policy with IMG Insurance has this to say on eligibility. This plan is available to individuals and families of all nationalities. U.S. citizens must plan to be residing outside U.S. on or before their effective date and renewal dates, for at least six (6) out of the next 12 months. Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S. Persons from the ages of 14 days to 74 years old may apply for coverage, and coverage ends at age 75. Persons 75 years of age and older are not eligible for coverage. Please see a sample contract for further details. I did pony up the relatively small extra cost for worldwide coverage, including visits back to the US. The link below is to one of several topics about health insurance. Thank you for the information. It looks like that answers my question about getting insurance far ahead of moving over, pretty much a no. I am concerned about no coverage for over 75 years of age, is that normal? What happens when you turn 75 in Thailand, are you pretty much on your own? That's scary unless you have a good support network. 10 hours ago, Broughton said: Would you mind to share what was covered to that looks very reasonable. I never got as far as getting a quote. Be interesting to hear if anybody else has any experience with this company ? In doing a search online, I saw many references to Mister Prakan which is an insurance broker so I used their quote function. The cheapest quote for a 57 year old for Pacific Cross was 14,670 baht. Following are what is covered: Worldwide coverage excluding USA No deductible Maximum coverage 270,000/year per disability Personal accident, 100,000 No outpatient Inpatient, multiple benefits including room and board, 2000 baht/day max 45 days. Intensive and coronary care room and board, 4000 baht/day max 15 days, Surgical fee 200,000 No dental/vision No maternity Fully indemnified for medical evacuation/repatriation If you want outpatient benefits 1000 baht/visit, then it increases to 18,377 baht per year. However, that 270,000 year doesn't seem that much considering the Thai government raised their yearly benefit for those on the social security scheme to 1 million baht. If you increase coverage to 3 million baht, then the yearly premimum for Pacific Cross goes to around 47,083 baht per year or around $1569 USD/year. As with anything in life it's a gamble I think in how much coverage you think you may need.