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Verified Pacific Cross premium figures for the 56–60 age bracket. Real numbers, real cover, real choices.
Understanding the real cost of health insurance is the single most important financial decision you will make before retiring in Thailand. The NHS is not available once you leave the UK. This guide gives you the real numbers, the real cover, and the real choices available to you in 2026.
Estimated Total Cost
฿300,000
to
฿600,000
Without Insurance
You pay every baht
Surgery, ICU, physio and a 10–14 day stay — billed in full before discharge.
Pacific Cross prices plans in five-year brackets. All premiums in this guide are for the 56–60 age bracket, correct as of April 2026. A 56-year-old and a 59-year-old pay exactly the same annual premium — your rate only adjusts when you move into the next bracket. If you are aged 61 or above, use the contact form below for a personalised quote.
Pre-existing conditions do not increase your premium — they are excluded from coverage. You pay the standard rate for your age bracket regardless. The only loading Pacific Cross applies is for BMI above 32.0.
Six Tiers
All Pacific Cross plans include: full cancer coverage, Covid-19, major and minor surgery, emergency evacuation, repatriation, 90 days overseas coverage per trip, cashless access at 550+ hospitals across Thailand and Asia, and guaranteed renewability to age 99.
| Plan | Annual Limit | Room & Board | Surgical | OPD/Visit | OPD Visits |
|---|---|---|---|---|---|
Standard Extra | THB 780,000 | THB 4,000/day | THB 100,000 | THB 2,000 | 30/year |
Premier | THB 1,200,000 | THB 5,000/day | THB 200,000 | THB 2,500 | 30/year |
Premier Plus | THB 3,000,000 | THB 6,000/day | Paid in full | THB 3,000 | 30/year |
Maxima Popular | THB 5,000,000 | THB 8,000/day | Paid in full | Paid in full | Unlimited |
Maxima Plus | THB 10,000,000 | THB 10,000/day | Paid in full | Paid in full | Unlimited |
Ultima | THB 20,000,000 | THB 16,000/day | Paid in full | Paid in full | Unlimited |
2026 Premiums · Age 56–60
Two deductible levels combined with two coverage types create four distinct premium structures. All figures are in Thai Baht, verified for the 56–60 age bracket. The deductible applies per claim — each time you make a claim, you cover the first amount and Pacific Cross covers the rest above that.
Full Cover + OPD · THB 40,000 Deductible · 25% reduction
| Plan | Annual Limit | Base Premium | Total/Year | Per Month |
|---|---|---|---|---|
Standard Extra | ฿780,000 | ฿39,442 | ฿29,700 | ฿2,475 |
Premier | ฿1,200,000 | ฿50,651 | ฿38,140 | ฿3,178 |
Premier Plus | ฿3,000,000 | ฿73,452 | ฿55,309 | ฿4,609 |
Maxima | ฿5,000,000 | ฿85,249 | ฿64,192 | ฿5,349 |
Maxima Plus | ฿10,000,000 | ฿95,336 | ฿71,788 | ฿5,982 |
Ultima | ฿20,000,000 | ฿108,903 | ฿82,004 | ฿6,834 |
All figures Thai Baht (THB). Age bracket 56–60. BMI below 32.0. No pre-existing condition loadings. Premiums indicative — confirmed at underwriting.
Inpatient Only · THB 40,000 Deductible · ~45% saving
| Plan | Annual Limit | Combined Saving | Total/Year | Per Month |
|---|---|---|---|---|
Standard Extra | ฿780,000 | ฿−15,776 | ฿23,760 | ฿1,980 |
Premier | ฿1,200,000 | ฿−20,260 | ฿30,512 | ฿2,543 |
Premier Plus | ฿3,000,000 | ฿−29,380 | ฿44,248 | ฿3,687 |
Maxima | ฿5,000,000 | ฿−34,100 | ฿51,354 | ฿4,280 |
Maxima Plus | ฿10,000,000 | ฿−38,134 | ฿57,430 | ฿4,786 |
Ultima | ฿20,000,000 | ฿−43,562 | ฿65,603 | ฿5,467 |
All figures Thai Baht (THB). Age bracket 56–60. BMI below 32.0. No pre-existing condition loadings. Premiums indicative — confirmed at underwriting.
Full Cover + OPD · THB 300,000 Deductible · 50% reduction
| Plan | Annual Limit | Base Premium | Total/Year | Per Month |
|---|---|---|---|---|
Standard Extra | ฿780,000 | ฿39,442 | ฿19,800 | ฿1,650 |
Premier | ฿1,200,000 | ฿50,651 | ฿25,427 | ฿2,119 |
Premier Plus | ฿3,000,000 | ฿73,452 | ฿36,873 | ฿3,073 |
Maxima | ฿5,000,000 | ฿85,249 | ฿42,795 | ฿3,566 |
Maxima Plus | ฿10,000,000 | ฿95,336 | ฿47,857 | ฿3,988 |
Ultima | ฿20,000,000 | ฿108,903 | ฿54,670 | ฿4,556 |
All figures Thai Baht (THB). Age bracket 56–60. BMI below 32.0. No pre-existing condition loadings. Premiums indicative — confirmed at underwriting.
Inpatient Only · THB 300,000 Deductible · Lowest premium
| Plan | Annual Limit | Combined Saving | Total/Year | Per Month |
|---|---|---|---|---|
Standard Extra | ฿780,000 | ฿−23,665 | ฿15,840 | ฿1,320 |
Premier | ฿1,200,000 | ฿−30,390 | ฿20,341 | ฿1,695 |
Premier Plus | ฿3,000,000 | ฿−44,071 | ฿29,498 | ฿2,458 |
Maxima | ฿5,000,000 | ฿−51,150 | ฿34,236 | ฿2,853 |
Maxima Plus | ฿10,000,000 | ฿−57,201 | ฿38,287 | ฿3,191 |
Ultima | ฿20,000,000 | ฿−65,342 | ฿43,736 | ฿3,645 |
All figures Thai Baht (THB). Age bracket 56–60. BMI below 32.0. No pre-existing condition loadings. Premiums indicative — confirmed at underwriting.
Ready to Get Covered?
Our Pacific Cross team will review your age, health, and visa requirements and come back with the right plan — usually within one working day. No obligation. No hard sell.
Custom plans for peace of mind in Thailand. Direct billing & comprehensive coverage.
*For most plans. Conditions apply.
Immigration Compliance
Your visa type determines which insurance requirements apply. Getting this wrong can cost you your visa renewal.
Lowest Qualifying Plan
Premier Plus or above
Lowest Qualifying Plan
Premier Plus or above
Strongly recommended regardless of visa status.
BMI Impact
BMI is the only factor that increases your base premium. The example below uses Maxima Inpatient Only with THB 40,000 deductible as the reference plan.
| BMI Range | Loading | Annual Premium (฿) |
|---|---|---|
| Below 32.0 | No loading | ฿51,354 |
| 32.1 – 33.0 | +15% | ฿59,057 |
| 33.1 – 36.0 | +25% | ฿64,193 |
| 36.1 – 38.0 | +40% | ฿71,896 |
| 38.1 – 42.0 | +75% | ฿89,870 |
| Over 42.0 | Unable to insure | N/A |
Reference plan: Maxima Inpatient Only, THB 40,000 deductible, age 56–60. Exact loading confirmed at underwriting.
How It Works
With access to over 550 hospitals, you will not be asked to pay upfront in the vast majority of situations. You present your Pacific Cross card, the insurer verifies your cover, and treatment proceeds without any financial transaction beyond your deductible.
Arrive at hospital
Present your Pacific Cross card or policy number at the International Patient Desk.
Hospital verifies
Pacific Cross confirms your cover and issues a Guarantee of Payment.
Receive treatment
Treatment proceeds. No payment required upfront for covered services.
Settle at discharge
Pay your deductible only. Pacific Cross handles the remainder directly with the hospital.
For emergency treatment at a non-network hospital, Pacific Cross operates a 24/7 English-language assistance line. Treatment at non-network hospitals is reimbursed — you pay upfront and submit a claim.
Network
JCI-accredited with over 50 specialist centres. First choice for complex diagnostics, oncology, and international patients requiring full English-language care from consultation to discharge.
Thailand's largest private hospital network across Bangkok, Phuket, Pattaya, and Chiang Mai. Consistently high standards and strong English-language services.
Premium Bangkok hospitals in Sukhumvit, Srinakarin, and Thonburi. Well regarded for cardiology, general medicine, and specialist outpatient care.
Reliable mid-range private network across Bangkok. Suited for routine admissions with generally lower room rates than the flagship hospital tier.
Recommendation
This comes down to three factors: your visa requirement, your current health status, and how much financial risk you are comfortable carrying per claim.
| Your Profile | Plan | Option | Annual (฿) | Monthly (฿) |
|---|---|---|---|---|
Visa compliance, lowest cost | Maxima | Option 4 | 34,236 | 2,853 |
Best value (THAIBK recommendation)Recommended | Maxima | Option 2 | 51,354 | 4,280 |
Full cover including OPD | Maxima | Option 1 | 64,192 | 5,349 |
High net worth / premium cover | Ultima | Option 1 | 82,004 | 6,834 |
For most British or European expats retiring to Thailand in the 56–60 bracket, the Maxima on Inpatient Only with the THB 40,000 deductible (Option 2) represents the best balance of comprehensive protection and manageable annual cost. At THB 4,280 per month, the coverage limit is THB 5,000,000 and all surgery is paid in full. If applying for the OA visa with outpatient requirements, step up to Maxima Option 1 at THB 5,349 per month.
Why We Partner Here
Over one million active policyholders in Thailand alone. Not a niche expat product — a mainstream insurer whose premium structure reflects genuine risk sharing across a very large pool.
Renewability to age 99 is non-negotiable for a long retirement. Some insurers decline renewal once claims history becomes significant. Pacific Cross commits to renewal regardless of your health history.
When something goes wrong medically, navigating a claims system in a second language under pressure makes everything worse. Pacific Cross removes that barrier entirely.
Common Questions
Get a Quote
Our Pacific Cross team will review your age, health, and visa situation and come back with the right plan — usually within one working day. No obligation. No hard sell. If you are aged 61 or above, note this in the form and a bespoke quote for your age bracket will be prepared.
Custom plans for peace of mind in Thailand. Direct billing & comprehensive coverage.
*For most plans. Conditions apply.