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[cooked]

For people planning to stay here long term, even if they are relatively young, the point is that they will be paying for many years and not using the insurance at all, only to find themselves thrown out at the age of 55  (BUPA) which is an age where it is not easy to find a company ready to take you on. A large part of insurance is sold on the basis of  'peace of mind'. For me this would not be the case if I didn't know whether I was going to paid or not, thrown out when I most need the insurance, be confronted with a huge hike in premiums at an age when I can least afford it.
  yours truly, an old fart

[nocturn]

yes, that is all well and good, if that is your concern, truthfuly it had never occurred to me

but in response to the other poster, I repeat, if a plan clearly states signup for 18-55 and CLEARLY announces that it will not continue to insure you after 65, then where is the con?

JoePai implied you had to dig for the information in the small print, when in fact the age requirements are clearly posted in the first sentence of the membership page.

[Theboy]

nocturn, on 2012-03-22 00:45:30, said:

JoePai, on 2012-03-21 13:22:31, said:

nocturn, on 2012-03-21 11:28:22, said:

Macx, on 2007-12-20 15:07:42, said:

Bupa in BKK insures expats on tourist visas; however, Bupa in Phuket does not (at least when I checked).

I don't know about the others. Some required Non-immigrant visas.

RBIpremium did not ask me to show a visa and the insurance was transferable to any country i end up living in, not just thailand

www.rbipremium,com

Absolute waste of time - read the small print.
The maximum age to join the membership is 55 (so rules out most of TV members) but sto[s at 65 !  What use is that as it is 65 and over when you need it most.  Another con.

I have read the small print and am not inclined to agree with you.

I tend to view expats as living and working in Thailand for a number of years, also as people with families. Some may settle here, but many plan to return home after a few years in Asia or move on to other postings in the region.

In addition, I believe there is more to TV than geriatrics waiting on eternity. They may well be the most vocal and have more free time to post, but there are certainly a significant number of professionals here who may be interested even though you have reached your sell by date.

Now the plan may not be for you, but how do you justify calling it a con?

Sorry, have to agree with Joe, any company who throws you out at 65 is a con - all this company wants is to take your premiums when you are less likely to claim then when do you need insurance get rid of you.
I found AA Insurance Brokers offer similar priced plan from ACS(Allianz) - and you can join up to 65 then go on from there !
As for you saying "I tend to view expats as living and working in Thailand for a number of years, also as people with families. Some may settle here, but many plan to return home after a few years in Asia or move on to other postings in the region." then yes there are foreigners who are working here for a few years and get moved on by their companies but they are covered by their companies insurance medical policies.

[nocturn]

Theboy, on 2012-03-22 11:50:24, said:

Sorry, have to agree with Joe, any company who throws you out at 65 is a con - all this company wants is to take your premiums when you are less likely to claim then when do you need insurance get rid of you.
I found AA Insurance Brokers offer similar priced plan from ACS(Allianz) - and you can join up to 65 then go on from there !
As for you saying "I tend to view expats as living and working in Thailand for a number of years, also as people with families. Some may settle here, but many plan to return home after a few years in Asia or move on to other postings in the region." then yes there are foreigners who are working here for a few years and get moved on by their companies but they are covered by their companies insurance medica l policies.

I honestly think this dialogue is a waste of time. It is very emotional for some folks, but i'll bite just this once:

Isn't that what EVERY insurance company wants? Isn't this also why after the age of 65,  those companies that do offer coverage have premiums that seem to increase exponentially, high deductibles, previous condition clauses and strict ceilings and requirements on the amount of money they pay out and when they will pay it?

Not to mention significant increases to your premiums should you be unfortunate enough to need to make a significant claim.

Those deemed affordable also seem to offer limited international coverage, and repatriation is often an optional extra -- at an additional cost.

I realize that "there are  plans that allow applicants up to 70-75" (direct from AA's website), but, note the language here -- they allow applicants . It does not say they accept them, nor does it specify at what cost if and when they do.

I am sure if you have 10,000 USD for a year you can find coverage, but Insurance is not charity, no matter how strong your sense of entitlement.

Anyways, I have no desire to enter into a circular discussion (I merely object to the word con).

[samsiam]

continue..

[joker7]

I've just received an email from BUPA which states that if you pay your premiums yearly then they will cover you for life.  As long as you apply before age 61.   Not sure if there is a 10 year period of cover req'd before they will allow this however I will find out for you.

Joker

[joker7]

See PDF.


2nd page about half way down.  Coverage if for life if you are continually Insured and dont miss a premium.

Attached Files

•  Platinum_Benefit_Remarks.pdf   3.3MB   29 downloads

[samsiam]

Did you read how much stuff they will NOT pay for.....unbelievable

[cooked]

Quote:
"I realize that "there are  plans that allow applicants up to 70-75" (direct from AA's website), but, note the language here -- they allow applicants . It does not say they accept them, nor does it specify at what cost if and when they do.

I am sure if you have 10,000 USD for a year you can find coverage, but Insurance is not charity, no matter how strong your sense of entitlement.

Anyways, I have no desire to enter into a circular discussion (I merely object to the word con)." Unquote, sorry.

I received recently the following email from AA Insurance:
"Hi ...

Please feel free to visit when you wish.  When you say “what happens to me after the age of 80” I presume you mean the premiums ? Normally we only publish premiums to 80 but I will get them to (example?) 90 when you come in if you wish ?

All the best

Peter"
He has quoted me for up to the age of 80, so after a month of two research this looks, superficially, like the best deal for my personal situation. (27 575 Baht at ages of 75 - 80). All the same, premiums are 'adjusted' every year. No way of knowing where things will end up when I get non compos mentis.

[phomsanuk]

Global health insurance from William Russell UK is probably the top of the line.  $$$$$ but good had them for years and I'm 75.

[nocturn]

samsiam, on 2012-01-12 11:51:00, said:

I've heard Thai insurers can just stop your coverage at anytime for no reason....any truth in this ??

If so makes continual coverage when needed a worry.

any health insurer can stop your policy any time. ALL policies are annually renewable.

[nocturn]

cooked, on 2012-04-09 12:51:15, said:

Quote:
"I realize that "there are  plans that allow applicants up to 70-75" (direct from AA's website), but, note the language here -- they allow applicants . It does not say they accept them, nor does it specify at what cost if and when they do.

I am sure if you have 10,000 USD for a year you can find coverage, but Insurance is not charity, no matter how strong your sense of entitlement.

Anyways, I have no desire to enter into a circular discussion (I merely object to the word con)." Unquote, sorry.

I received recently the following email from AA Insurance:
"Hi ...

Please feel free to visit when you wish.  When you say “what happens to me after the age of 80” I presume you mean the premiums ? Normally we only publish premiums to 80 but I will get them to (example?) 90 when you come in if you wish ?

All the best

Peter"
He has quoted me for up to the age of 80, so after a month of two research this looks, superficially, like the best deal for my personal situation. (27 575 Baht at ages of 75 - 80). All the same, premiums are 'adjusted' every year. No way of knowing where things will end up when I get non compos mentis.

love to see the policy, what are you covered for 500,000 THB? Please do post details, because this is too good to be true