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Hi Julie,

I have created a new thread with your post on the Pattaya forum.

Thanks,

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if you don t already have a bank account in Thailand ....open one at Kasikorn bank a  b  ( Farang friendly )
and ask them..... they sell insurance and they can explain everything in details ( it s called PROTECT here not insurance ) 
that s what i did
medical is very good here and also cheap

Thank you for your reply, no we have not set bank account up yet, we will have to do that when we move over, and deposit the funds which are needed.

The Kbank insurance Health policy is only for people married to a Thai or someone with a valid work permit, try 7 Corners or best deal I've found is Worldwide Expats Association policy you can Google the 2 mentioned above

PS: open bank account is no need for making this health insurance kha.

You have to be careful and read the details closely, most of these Thai based plans have very low total cover 300,000 or 400,000 baht and limit how much a surgeon is paid in the 20,000 to 30,000 baht range which will not even cover a simple hernia surgery for Farang, you will be out 100,000's of thousands of baht if you need a complex surgery like brain or back surgery. Plus there is no cancer cover on most of these cheap plans... My friend had an aortic aneurysm and his total hospital costs was over 3 million baht. Plus the insurance will not cover existing health issues, and if you currently taking medication for high cholesterol and/or high blood pressure, they will 'exclude' you from any cover if you have a heart attack or stroke or anything to do with your heart or blood vessels. if you mention the meds on the application they will exclude you and you'll end up buying expensive accident insurance disguised as health insurance, and the agent will not tell you this in advance.