Three Courses,
One Clear Direction
From first understanding to comprehensive long-term strategy — each course stands on its own and works well as part of a sequence.
Back to HomeHow We Approach Each Course
Every Samruay course is built around a simple principle: understanding before action. We do not begin by telling participants what to do — we begin by helping them understand what they are dealing with. From there, decisions about insurance, savings, and strategy emerge from a position of clarity rather than confusion or anxiety.
Courses combine self-paced reading and worksheet completion with live group sessions and, in the more advanced courses, individual advisory meetings. This structure allows participants to absorb material at their own pace while still benefiting from direct interaction and guidance.
All content is specific to Thailand's healthcare and financial environment. We do not import or adapt frameworks from other countries — we build from Thai data, Thai regulation, and Thai healthcare pricing structures.
Estimating Your Future Healthcare Costs
A compassionate and practical introduction for adults over 40 who want to understand what healthcare expenses they may face in the coming decades. Covers common health-related costs in Thailand, the role of the universal health coverage scheme, private hospital pricing structures, and how to estimate out-of-pocket expenses based on family health history. Participants work through a healthcare cost estimation worksheet and attend two live sessions with space for questions. A resource directory for Thai healthcare cost information is included. The course treats this sensitive topic with care, providing clarity without causing unnecessary worry.
Introduction to Thai healthcare cost structures — public and private
Understanding the Universal Coverage Scheme and its cost implications
Completing your personal healthcare cost estimation worksheet
Live Q&A sessions and review of your completed worksheet
What's Included
- All written course materials
- Healthcare cost estimation worksheet
- 2 live group sessions (online)
- Thai healthcare resource directory
What's Included
- All written course materials
- Insurance comparison exercises
- Savings projection workshop
- 2 individual advisory sessions (licensed planner)
- Personalised health expense preparation plan
Insurance and Savings for Health Expenses
For participants who understand their potential healthcare costs and want to explore financial tools to prepare for them. Covers health insurance plan structures in Thailand, critical illness coverage considerations, health savings strategies, and the tax benefits of certain health-related investments. The course includes insurance comparison exercises, savings projection workshops, and two individual advisory sessions. Participants develop a personalised health expense preparation plan. Content is presented gently, recognising that health-related financial decisions are deeply personal and often emotional.
Mapping health insurance options available in Thailand
Critical illness coverage and what to look for in a policy
Savings strategies and tax-deductible health investments
Building your personalised health expense preparation plan
Long-Term Health and Care Cost Strategy
Created for learners who want to develop a comprehensive long-term plan for healthcare-related expenses including eldercare considerations. Topics include long-term care options in Thailand, family caregiving financial implications, coordinating health coverage with retirement planning, and building a dedicated healthcare reserve. Five sessions, a long-term care cost modelling workshop, three advisory calls, and a written healthcare financial strategy document are provided. The capstone involves reviewing and refining the strategy with an advisor. The course approaches every topic with empathy and respect for the learner's peace of mind.
Long-term care options in Thailand — costs, quality, and access
Family caregiving: understanding the financial implications
Integrating healthcare coverage with broader retirement planning
Building and refining your written healthcare financial strategy
Capstone review session with licensed advisor
What's Included
- All written course materials
- 5 live group sessions (online)
- Long-term care cost modelling workshop
- 3 individual advisory calls (licensed planner)
- Written healthcare financial strategy document
- Capstone advisor review session
Which Course Fits Your Situation?
| What you're looking for | Course 1 ฿4,200 |
Course 2 ฿9,800 |
Course 3 ฿16,500 |
|---|---|---|---|
| Understanding healthcare costs in Thailand | |||
| Personal cost estimation worksheet | |||
| Insurance exploration and comparison | |||
| Individual advisory sessions included | |||
| Eldercare and long-term care planning | |||
| Written strategy document with advisor review |
First-time learners who want to understand what they're dealing with
Those ready to explore tools and build a documented financial plan
Those who want a full strategy, including eldercare and retirement integration
Shared Across All Three Courses
PDPA Compliance
All participant data handled in line with Thailand's Personal Data Protection Act.
Annual Updates
Course content reviewed and updated each year to reflect current Thai healthcare and financial data.
No Product Sales
Samruay does not sell insurance or financial products. Guidance is based entirely on participant needs.
Empathetic Delivery
Every course is written and facilitated to support rather than alarm — suitable for a sensitive and personal topic.
Not Sure Which Course to Start With?
We are happy to help you figure that out. Reach out, tell us a little about your situation, and we will suggest the most appropriate starting point — without any pressure.
Get in Touch