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[jazzbo]

The attached are the published BUPA (Thailand) individual policy premiums and coverages for both 2006 and 2009 -- there has been roughly a 10% increase over those years.

Attached Files

•  BUPA_2006_2009.pdf   332.38K   91 downloads

[ScubaBuddha]

Wow, look at the exclusions at: http://www.protecta-...tinum_cover.pdf


Exclusions:
- Pre-existing conditions
- Treatment not recommended by a doctor
- Birth control and treatment of infertility
- Hormone replacement therapy
- Treatment of congenital abnormalities
- Expenses recoverable from a third party
- Routine and annual health checks, eye sight examination, eye laser and cosmetic treatment
- HIV / AIDS and HIV related illnesses
- Appliances such as spectacles, lenses, hearing aids and wheelchaires
- Outpatient physical therapy and alternative treatment (e.g. acupuncture, chiropractor)
- Transplant surgery and supportive treatment of renal failure
- Injury due to dangerous sports
Personal Accident:
- Injury due to dangerous sports
- Flying in a non-commercial aircraft or while serving as a crew in any aircraft
- Suicide or self-inflicted injury
- Bacterial infection
- Miscarriage resulting from an accident
- Taking part in a crawl or a war
- Radioactivity
Please refer to the policy wording for the full benefit covers and definitions.
- Inpatient expenses are payable for any one disability. If the same disability reoccures, 90 days must have elapsed from the last
date of treatment that this disability is cosidered a new disability.
- Treatment arising from self-inflicted injury, suicide attempt, alcoholism, drug abuse or sexually transmitted diseases
- For  on a motorcycle only 50% of the benefit will be paid
updated


No coverage for injury due to dangerous sports (I'd like to see their list), congenital abnormalities, bacterial infection!, STD's, routine health checks, only 50% while driving or riding on motorcycle? (I think that is what they are trying to say with "losses arising while driving as a passenger" .  And WTF is "Taking part in a crawl"?? Brawl I think.

And it gets worse here: Look at page 21 22. http://www.e-insuret...B...num_T&C.pdf.  This one says no coverage for motorbike accident. Am I missing something? What's the point of getting insurance?

Edited by Scubabuddha, 2009-07-13 12:24:36.

[jazzbo]

BUPA (Thailand) -- and probably others in Thailand -- will in many cases put a 2-year exclusion on a pre-existing condition if properly and fully disclosed on the application. Full coverage after the 2 years.

As for injuries from extreme sports, motorcycles, etc., etc., insurance is for quantifiable risks -- not near certainties.