From 20 March 2025, health insurance in Thailand will change. For many medical claims, you may have to pay part of the costs yourself. This system, called co-payment, is intended to reduce unnecessary expenses and keep insurance affordable. What does this mean for you and how does it work? Read on to find out how you can prepare for this.

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Moving to Thailand as a retiree means enjoying a new life in the tropics, but also thinking about medical costs. Health insurance offers security, but is expensive. Without insurance, premiums remain unpaid, but an unexpected hospital bill can be disastrous. The choice between financial freedom and medical safety is a complex one that requires careful consideration.

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Finding health insurance is not easy. There are hundreds of plans available, so you can soon lose sight of the wood for the trees. Matthieu Heijligenberg of www.verzekereninthailand.nl points the way and answers the most frequently asked questions.

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