Pattaya retirement guidance—clear on benefits, risk and uncertainty.

Retire in PattayaA TimPaemi publication

Free private planning tool

Compare cover, not invented prices.

Build one clear specification, send it to each provider and compare the answers side by side. The planner runs entirely in your browser.

Build your quote brief

Choose what you need. The planner turns it into one specification you can send to every insurer or broker.

Geographic scope
What the quote should include

List it accurately in an application. Ask the underwriter to state any exclusion, waiting period, loading or refusal in writing.

Your comparison brief

Ask for the same cover, every time.

Premiums are only comparable when the limits, excesses and exclusions are comparable too.

Quote specification

    Record these answers side by side

    1. Annual premium, payment frequency and taxes or fees
    2. Deductible or excess, co-pay and room-rate limits
    3. Annual, per-condition and lifetime benefit limits
    4. Inpatient, outpatient, cancer and emergency definitions
    5. Geographic exclusions and rules for trips home
    6. Maximum entry age, renewal terms and cancellation rights
    7. Every declared-condition decision in writing
    8. Direct-billing hospitals and reimbursement procedure
    Read the insurance guide

    This planner creates a like-for-like quote brief. It does not estimate a premium or predict underwriting. Reviewed 2026-08-23.

    Common questions

    Why does this planner not estimate a health-insurance premium?

    There is no honest universal price by age. Premiums and underwriting depend on the named product, benefits, territory, deductible, medical history and the insurer’s current terms. The planner creates one specification so the quotes you collect can be compared fairly.

    What should I compare besides the premium?

    Compare the deductible or excess, co-pay, room limits, annual and per-condition limits, territorial rules, exclusions, waiting periods, renewal terms, direct-billing network and claims process.

    What if I have a pre-existing condition?

    Declare your history accurately and ask for the underwriting decision in writing. The response can depend on the condition, product and insurer, so a generic calculator cannot predict it.