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Retiring in Thailand | Expat Exchange
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Bangkok, Thailand

Retire in Thailand

By Betsy Burlingame

Last updated on Jun 10, 2023

Summary: Retirees are attracted to Thailand for its low cost of living, vibrant culture, and stunning natural beauty. Thailand is known for its tropical climate, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit throughout the year.

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What is it like to retire in Thailand?

"Chiang Mai has a very active expat world. Very alternative, organic food, vegetarian restaurants, art, culture. Bars, restaurants," said one retiree in Chiang Mai.

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What advice do overseas retirees have for others considering retiring abroad?

"I have lived abroad for so long, going back to America would be extremely stressful for me," explained a retiree in Chiang Mai.

"Just be careful and do a lot of research and try it out before you come. Spend at least 6 months or a year before you make your decision," explained one retiree living in Nonthaburi.

What are the most challenging aspects of retiring in Thailand?

"One of the most challenging aspects of retiring in Thailand is overcoming the language barrier. Understanding the local language, or at least being able to communicate basic needs, can be a struggle for some new retirees. Additionally, understanding and following regulations and rules around retirement visas, taxes, and other matters of living and working in Thailand can be confusing and tedious. Thailand has rigorous healthcare standards that may be unfamiliar to retirees from countries with more relaxed regulations. It can also be more difficult for retirees to network and build a support system compared to when they are still working. Finally, the cost of living in Thailand can be expensive for some retirees, depending on their location and lifestyle choices," said a retiree who moved to Thailand.

"Cultual Shock, Language skill problems, Lack of law enforcement. Smog, unfriendly people, always getting ripped off by the taxi drivers, having to pay a different price [than] the Thai's. Freedom of Speech," said one retiree in Nonthaburi.

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What are the most rewarding aspects of retiring in Thailand?

"The low-stress atmosphere in Thailand. Never afraid of being robbed, mugged, or confronted. The friendly people, great amenities for expats, beautiful surroundings, great selection of food, nice movie theaters," remarked one retiree in Chiang Mai.

"One of the most rewarding aspects of retiring in Thailand is the vibrant culture and the opportunity to immerse oneself in a range of different activities. From the wide variety of authentic Thai cuisine to the endless array of temples dotted around the country, there's always something new to explore. The cultural history is also fascinating, and retirees can enjoy delving into the country's past. Another attractive feature of Thailand is its relatively low cost of living, making it possible to live a comfortable life on a smaller budget. In addition, the tropical climate provides the perfect setting for outdoor activities such as swimming, sunbathing and exploring the natural beauty that surrounds Thailand. Finally, the friendly locals make it easy for expats to adjust to the new environment and feel welcome," said a retiree who moved to Thailand.

What are healthcare services like in Thailand?

We asked retirees if they have access to good medical care in Thailand. They wrote:

"We purchased medical insurance, called Thai Life, we have hospital stays only, as we are both healthy don't take any kind of meds. And we feel that it is very cheap for doctor visit, teeth cleaning, etc. We can pay out of pocket," commented one retiree living in Nonthaburi, Thailand.

"Thailand's healthcare system offers a wide range of medical services, from general clinical care to specialized surgeries and treatments. Hospitals in Thailand are well-equipped and staffed by highly-trained doctors, nurses and technicians. The vast majority of them offer telemedicine, lab tests and other services typically seen in international hospitals. In addition to traditional hospital-based services, Thailand also has a well-developed network of public health centers, health promotion centers and public pharmacies. These public and private centers provide a range of healthcare services including primary care and preventive care. Furthermore, Thailand has multiple health insurance providers, offering coverage to those needing financial assistance with healthcare costs," explained one retiree living in Thailand.

How do I meet people in Thailand?

When we asked people living in Thailand about club and activities where newcomers can meet others, they responded:

"American Women's Club, Community Services of Bangkok, American Chamber of Commerce, International Women's Ministry, and American Association of University Women. Any local group formed in your particular neighborhood. If you have children, become involved in their school," said one retiree in living in Bangkok, Thailand.

"Expats in Thailand often join local clubs and activities to mingle with other expats and locals. International associations, book clubs, running and cycling clubs, as well as meetup groups are popular among expats in Thailand. Expats can also get involved with local organizations or volunteer work to meet interesting people with similar interests. Social media and online forums are increasingly popular for expats to connect with each other, share tips about living and working in Thailand, and learn about special events and activities in their area. Local coffee houses and bars are also great places to meet other expats and locals alike and socialize," explained a retiree in Thailand.

What is life like in Thailand?

When we asked people living in Thailand what life is like and how people spend their time, they said:

"Living as an expat or digital nomad in Thailand can be incredibly rewarding. The country offers a warm and welcoming culture, as well as an abundance of delicious tropical fruits, vibrant markets and stunning beaches. Expats and digital nomads have access to a range of amenities such as high-speed internet, co-working hubs, a range of accommodation options, and opportunities to explore the diverse landscape. Thailand also has plenty of cultural attractions, from ancient temples to bustling nightlife. Expats and digital nomads are able to immerse themselves in the local culture, making new friends and discovering new experiences," explained a retiree in Thailand.

"The employed partner's life revolves around work and socializing. The accompanying partner's life revolves around social groups and volunteering. Bangkok is a hotel society..... most functions occur in hotels," explained one retiree living in Bangkok.

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What do I need to know before retiring in Thailand?

When we asked people what advice they would give someone preparing to move to Thailand, they said:

"Find a good place to live - you'll need it in this city. Do not plan too much in the beginning. Take things easy, read a lot about Thai culture and the city," said a retiree who moved to Bangkok, Thailand.

"It is important for expats to understand and abide by Thai laws and customs to avoid any trouble. Expats should also be prepared for a different climate than their home countries and ensure they have all necessary medical supplies. Expats should research the cost of living and research the various towns and cities to ensure they choose the best place when settling. It is also important to open a bank account for transfer of funds and for expats to understand the taxation laws in Thailand. Additionally, expats should note that English is not widely spoken outside of large cities; knowing the local language can be beneficial. It is important to research Thai visas and health care options to ensure a smooth transition. Finally, expats should consider creating a budget and seeking professional advice so they can manage finances effectively in retirement," said one retiree in Thailand.

What type of recreational activities are there in Thailand?

"Bangkok has too many choices to list, there are many large public parks and 5 National parks close to here," said one retiree in living in Bangkok, Thailand.

"In Thailand, residents enjoy a variety of recreational facilities, such as beaches, parks, and waterfalls. There are also many outdoor activities, such as hiking, biking, and kayaking. For those who prefer indoor activities, there are plenty of shopping malls, movie theaters, and bowling alleys. Additionally, there are many cultural attractions, such as temples, museums, and art galleries. Finally, Thailand is home to a variety of nightlife options, such as bars, clubs, and live music venues," wrote one person in Thailand.

Where will I buy groceries and do other shopping in Thailand?

"I am lucky enough to have both a Tesco Lotus and a Big C right by me, with several fresh markets also. If you must have your expensive food imports from home, there is Villa market on Sukhumwit. 7/11 stores are everywhere with many heat and eat foods available," wrote one person in Bangkok.

"People living in Thailand typically buy groceries from local markets, convenience stores, and supermarkets. Other shopping can be done at department stores, shopping malls, and street markets. Many people also shop online for convenience," explained one retiree living in Thailand.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

Bangkok, Thailand

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