TL;DR:Seniors can buy new private health cover in Thailand but options shrink after about age 70–80, with exclusions, waiting periods, and higher premiums; check visa rules and confirm lifetime renewal terms.
Yes—seniors can buy private health insurance in Thailand, but choices and terms narrow with age. Most Thai insurers set upper age limits for *new* applicants (commonly around 70–80), though policies taken before the cutoff are often renewable to older ages. Insurers routinely exclude or limit pre‑existing conditions, impose waiting periods (commonly up to 2 years), and charge much higher premiums for older applicants. Some international plans accept older ages but at a significant cost. If you need insurance for a retirement visa (Non‑O O‑A/O‑X), check the visa minimums (embassy requirements vary) and confirm any provider’s lifetime renewal guarantees before buying. Practical steps: apply before insurer age cutoffs if possible; disclose medical history (non‑disclosure can void claims); and use a reputable broker to compare local and international plans. Official and reputable sources: Thai embassy visa/insurance guidance, Pacific Cross (insurer notes on renewals), and international brokers like Pacific Prime for senior options.
Answer will be updated soon