Prev Page 2 of 5 1 2 3 4 Next » You cannot reply to this topic Go to first unread post 113 replies to this topic

[bendejo]

I would be interested in hearing about people who actually needed to put the policy to use, and how they were dealt with from that point on. I don't want a policy where I have to pay for the medical care up front and then hope to be reimbursed -- too many bad experiences on that front.

[samran]

bendejo, on 2007-12-24 08:24:59, said:

I would be interested in hearing about people who actually needed to put the policy to use, and how they were dealt with from that point on. I don't want a policy where I have to pay for the medical care up front and then hope to be reimbursed -- too many bad experiences on that front.

Have used NZI in the past. Very good at covering costs, but PAENG MAAK MAAK these days, so I dropped them.

Had Thai Health for a couple of years, good value for what it is. As a recall, the card you get from them has the pre-approved outpatient limits so the hospital deals directly with the insurance company. You pay nothing if your visit costs less than the policy limit. So good.

William Russel, who I am with now (expat, but competitively priced esp. if you are younger and have a family), are VERY good. We had to make a 60,000 baht claim recently. Sent in the documentation, and was covered no worries. Other friends have reported the same. Send off your claim to their UK, HK or Malaysian offices and payment arrives in 2 weeks.

[ThaivisaInsurance]

Team, as we've said before use the Thai Visa insurance service - they can offer premiums lower on their Members plans than anyone in Thailand.
Also, if you need "International' cover without the hassle just ask.

[1Lucky]

Nomad97, on 2007-12-21 23:32:39, said:

denboy, on 2007-12-21 20:11:58, said:

I have used BUPA Thailand since retiring and losing work coverage. I don't agree that they are particulary expensive.
I'm in the late 60's and the cost hardly equals the cost of the air fare back to the country who is niggling about treating me.
The only exclusion I have is the one I stated on the original application form, I have had two hospital in- sessions since joining and they have paid up without any problem. In fact I recovered more than than the yearly fee against hospital costs each time.
If you don't use the insurance for the current policy year you recieve 10% of the fee as a bonus.

BUPA is readily accepted at the majority of hospitals where as others you may find hassle which you don't need lying on the emergency room.

You get what you pay for, so proceed with caution.

I agree! BUPA Thailand seems very good value for money and it is significantly cheaper than the UK BUPA International version. Like Denboy said, I declared an existing condition and that is the only exclusion I have on the policy too. I do not take out-patients cover and pay for any visits myself - the direct cost of 2 or 3 visits per year is much cheaper than the premium.

Note the extra exclusion you have for your existing condition is in addition to the long list of BUPA's general exclusions - not the only one. It is significantly cheaper than the international BUPA version as the coverage is significantly less. I agree that the out-patient coverage isn't worth the money.

Lucky

[MrSquigle]

Bendejo...I use a company that pays the hospital direct, very easy to use, no hassles and I have had 3 claims with them, each around 100k.

Now I think they are expensive, but not sure compared to other comapnies and I would like to start looking around for other quotes also, only re the cost factor as the service from this company is very good.

I am a family of 4 and costs 100k for the year, no outpatients or dental, but covered anywhere and fully for pretty much everything else.

[torrenova]

MrSquigle, on 2007-12-26 19:09:36, said:

Bendejo...I use a company that pays the hospital direct, very easy to use, no hassles and I have had 3 claims with them, each around 100k.

Now I think they are expensive, but not sure compared to other comapnies and I would like to start looking around for other quotes also, only re the cost factor as the service from this company is very good.

I am a family of 4 and costs 100k for the year, no outpatients or dental, but covered anywhere and fully for pretty much everything else.

And that company is ?

[MrSquigle]

It is a french insurance company with a local brokerage company, it was insured through Hong Kong but see they have just changed insurer.

PM me if you want the guys number and name to contact.

[bottleymike]

CaptHaddock, on 2007-12-23 21:44:22, said:

In addition to premiums and likelihood of paying off, one of the considerations in choosing health insurance is how long you can retain it. I have read that if you insure with BUPA before age sixty, they guarantee your right to renew for the rest of your life. Has anyone here got this coverage? I am not sure what it means if there is not also a restriction on the increase in premiums.

We may resettle in Thailand after I retire and I am thinking of buying insurance from BUPA while still here in the US and under sixty, so that I can be sure to be able to renew later in Thailand. Anyone have any advice on this strategy?

I have a expat UK friend who is 67 years old. Because he took on bupa medical insurance ( in thailand) prior to reaching 60 they are still giving him policies.He has recently had a couple of operations for a growth removal which the insurance covered. The hospital deals direct with the insurance company. You only pay for what amount of the bill the insurance will not cover. From memory he said his policy increases every year. On 1,000,000 I think he pays 46,000.

I have also checked with bupa thailand. They have advised me that if I jion them before 60 they will continue to cover me after 60 until I kick the bucket.

I would check if your doing bupa international before your 60 if this can then be counted for bupa thailand after your 60. i dont know, but they might not count this as being in bupa thailand. So worth asking I would think.

[ACMIKE]

In regards to TV Insurance, I am a little concerned that it only goes to 65. Has anyone experienced a problem at that point?

[egg]

is it possible to get cover for a family ?? e.g. husband 56 y/o ,, wife 40 ,,, kids 8 & 6 ,,, and at what premium ??

[sfokevin]

rgs2001uk, on 2007-12-19 23:58:17, said:

i second telfmikes suggestion, thai prakan chewit, you might also consider siam commercial bank as well.
best to take a thia friend if you dont speak thai, and also to explain the extras/options.
i am 47 and thai prakan costs me about 22,000 baht per year, thats with all the options, eg in/out patient etc. certainly beats some of the prices being quoted elsewhere.

I was intrigued by SCB Insurance surfed their website - I was shocked to find that they do not take individuals with high blood pressure????

http://www.scb.co.th...ur_health.shtml

[ThaivisaInsurance]

ACMIKE, on 2008-01-03 09:07:40, said:

In regards to TV Insurance, I am a little concerned that it only goes to 65. Has anyone experienced a problem at that point?

Acmike

Sorry, that's not quite true. Although at 65 one has to 'leave' the TV medical plans, the individual can then carry on seamlessly with the same insurance company - therefore no problem and the best of both worlds for low cost insurance !

[ACMIKE]

To TV Ins,

Thanks for the clarification.

ACMike

[sfokevin]

Question... Here in the USA just after your 40th birthday doctors pretty much prescribe cholesterol and blood pressure medication to EVERYONE based solely on testing and the desire to reduce these as a preventive measure ... (That is my case)... What would Thai Insurers consider as "Pre-Existing" in this case? What would Thai Visa Insurance not cover in my case? If say 5 years after having TV Insurance I had a stroke would they say it was a pre-existing condition based on my history of taking medication to lower cholesterol and blood pressure?...

[ThaivisaInsurance]

Any insurance company - and it’s underwriters - are dependant on it’s panel of Doctors to say what is “pre-existing”.

[sfokevin]

ThaivisaInsurance, on 2008-01-03 23:09:24, said:

Any insurance company - and it’s underwriters - are dependant on it’s panel of Doctors to say what is “pre-existing”.

In August I will be in BKK permanently - I am interested in purchasing the medical package you offer on this website (1.5M IPD). What does the panel of doctors on your policy say? What conditions would be considered "pre-existing" for a perfectly healthy (well almost) that takes medication to reduce cholesterol and high blood pressure? Thanks

[sungod]

I'm with Bupa Thailand, last year I put my girlfriend on it too. After 6 months of the policy I had to take her to hospital in Pattaya where she was diagnosed with an appendicitis and a cyst in her womb. Because she was not on the policy that long, Bupa said they would not pay the hospital direct as they wanted to look into her history to see if it was a pre -existing condition. This meant I would have to pay myself and then claim back through Bupa. Where as cost was obviously no option, we are lucky enough to have a Bupa office in Pattaya with an UK trained and UK national nurse. She was straight round to the hospital to visit us, looked at the circumstances and put our fears to rest saying this was standard practice due to the fact she had not been on the insurance that long, and there would be no problem with pay out. She must have visited 3 times at the hospital during my girlfriends stay to check to see if everything was ok.

The point I am making, is that being a stressful period, customer care by the Bupa rep was 2nd to none. She even called after discharge to make everything was still ok.

[ThaivisaInsurance]

sfokevin, on 2008-01-05 00:19:34, said:

ThaivisaInsurance, on 2008-01-03 23:09:24, said:

Any insurance company - and it's underwriters - are dependant on it's panel of Doctors to say what is "pre-existing".

In August I will be in BKK permanently - I am interested in purchasing the medical package you offer on this website (1.5M IPD). What does the panel of doctors on your policy say? What conditions would be considered "pre-existing" for a perfectly healthy (well almost) that takes medication to reduce cholesterol and high blood pressure? Thanks

Please send in a 'Quote Form' - http://insurance.tha...com/quote-form/ - and we will see!

[dippyrick]

TEFLMike, on 2007-12-20 14:25:23, said:

Hi,
The school whee I work suggested I try the following Company for Health Insurance. I did and it was extremely competitive>>>>>>>>

Thai Health Insurance
Bangkok
Tel: 02642 3100 or check out their site >>>

www.thaihealth.co.th

worth a go :-)

There website appears to only be in Thai language.
Dose anyone know if it's possible to get info in english ??
thanx

[ThaivisaInsurance]

dippyrick, on 2008-01-07 22:02:22, said:

TEFLMike, on 2007-12-20 14:25:23, said:

Hi,
The school whee I work suggested I try the following Company for Health Insurance. I did and it was extremely competitive>>>>>>>>

Thai Health Insurance
Bangkok
Tel: 02642 3100 or check out their site >>>

www.thaihealth.co.th

worth a go :-)

There website appears to only be in Thai language.
Dose anyone know if it's possible to get info in english ??
thanx

In case anyone does not realise, the special Thai Visa medical plans are from Thai Health

[jumnien]

I highly recommend self-insuring unless you are determined to live a ruinous lifestyle. Self-insurance is far cheaper in the long run and you have the sense of pride that comes for taking responsibility for your health and that of your family. The only insurance fraud is the idea of insurance itself.

[jazzbo]

The above does not describe self-insurance; It describes NO insurance.

From Wikipedia: "Self insurance is a risk management method whereby an eligible risk is retained, but a calculated amount of money is set aside to compensate for the potential future loss. The amount is calculated using actuarial and insurance information and the law of large numbers so that the amount set aside (similar to an insurance premium) is enough to cover the future uncertain loss. Self insurance is similar to insurance in concept, but involves either the payment of a self-insurance premium to a captive insurance company, cell captive or rent-a-captive insurer, or making an on-balance sheet provision and not paying a premium to an insurer at all.
Full or exclusive self-insurance is rare, as a combination of self-insurance and commercial insurance usually provides the best cover for the self-insured."

One is not a large number. Only a small percentage of those who purchase health insurance will have, or have in their family, a catastrophic illness. But 100% of those who had a catastrophic illness without insurance thought that it would never happen to them.

[edd]

ThaivisaInsurance, on 2007-12-26 06:58:40, said:

Team, as we've said before use the Thai Visa insurance service - they can offer premiums lower on their Members plans than anyone in Thailand.

I filled in TV application and asked for a quote for health insurance in Thailand
This is the reply I received
To

J e Jackson

May we ask who you are insured with and which plan you have ?

Thank you and our sincere best wishes for your continued happiness and good health, Thaivisa/AA Insurance

Peter

AA INSURANCE BROKERS CO., LTD.
565/62 Moo 10 (Next to Big C, South Pattaya),
Nongprue, Banglamung,
Chonburi, 20260

Phone: 038 415 795-6
Fax: 038 374 251
Email: insurance@thaivisa.com
Web: http://insurance.thaivisa.com
Skype: aainsure

I dont have insurance i want it

[ThaivisaInsurance]

Edd

Of course we can arrange a quotation - maybe the reason we sent you this mesage was because we miss-read the fact that you already had cover.
Please resend your email and I shall deal with it at once

Sorry for the trouble.

[Orangutan]

leemond,

Good question...I found your post very useful even though I use Thaihealth for my wife and me.

-O