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[jazzbo]

(About Me) Tony D -- I am an American. I was a life and health insurance broker for many years in the States. I have been living in Thailand for 20 years. My Thai wife is a licensed insurance broker in Thailand.

Edited by jazzbo, 2009-11-20 09:05:44.

[tonydabbs]

jazzbo, on 2009-11-06 19:53:55, said:

I posted the rates a while back for BUPA Thailand 2006 and 2009 -- the published rates stop at age 60-65 but are 82,394 baht (hospitalization only) for their most expensive Platinum policy... so your numbers for age 70 of 250-350K I do not know.

http://www.thaivisa....rs-t279941.html

They increase 10% per year after age 65, according to Bupa.

[marshbags]

Just confirmed that there is NO age limit on existing policy holders with LMG.

They do however increase the premiums on a yearly basis for older policy holders, over and above any other across the board ones that may be introduced.

They also add additional exclusions as you get older in terms relating to extended cover as per LMG insurance rules.

I could pay an extra 15k to have them removed this year, but this is only for the ongoing period of 1 year / from the renewal date.

Again I,m, still not sure if I will take up their offer based on this latest communication with them.

They all move the goal posts as and when it suits them ( Insurance Co.s ) so who knows what tomorrow may bring, cover wise ????

Tony was spot on with his recommendations by the way and he didn,t charge me anything for the info.

marshbags  

Edited by marshbags, 2009-12-04 19:10:08.

[antony77]

marshbags, on 2009-11-19 19:19:24, said:

shows, on 2009-11-15 21:11:22, said:

Marshbags

As I said above get in touch with Tony at www.e-insurethailand.com and he will send you a summary of a number of different plans and different costs. Very detailed for a comparison. It does include LMU but also gives others BUT precluding pre-existing conditions are a condition of all of them.

Apologies for not acknowledging your post before S

I contacted Tony and he has sent me some info and alternatives, which he said are limited due to my age.

After 60 it becomes very difficult and he is in agreement with observations on this point.

All require a medical examination for new customers.

He has taken the care of emailing all related details I may wish to read up on, and I have.

LMG which is the company I already use offers the best options for lower premiums, and I have posted the existing cover I get at present, when replying to J. Bo in the last post on this thread, so will not upset anyone by repeating it again.

There is a more expensive one that covers more than I have at present ( PROVIDING ONE PASSES A COMPREHENSIVE MEDICAL CHECK UP.)

Sorry for highlighting the latter in caps, no offence meant.

Thank you again for your input, it is much appreciated.

marshbags    

If I can have permission, I can post / share the info he kindly provided for our aging members and those approaching 60.

If not anyone who may wish to view it please PM me and i,ll try to forward it via that method.

marshbags  

You must do a bit of research. But there are very good government hospitals in Thailand.  
which charge very little and so make insurance for the elderly just not worth it. We use a military hospital that charges about Bt50 to see a specialist. Sripat Hospital (chiangmai) is a semi government hospital with world class doctors if you need heart surgery etc. We
use wholesale Chinese pharmacies for all our medication and always buy generic equivilants. (1/3 rd cost of hospital medicine

[oldsailor35]

briley, on 2009-11-05 10:33:01, said:

Over the years I have realized that insurance companies only insure those that won't claim.  And health insurance falls slap bang in that category - they will insure you when young and healthy but not when older or unhealthy.

I have looked at insurance over the years for myself, I've been out of the UK for the majority of my life, spending at least 7 or 8 months a year away.

Travel insurance does not work as it
a) only covers travel for 90 days normally and
if you are ill they try to send you 'home' for treatment.

Any full year overseas insurance will cost me and my wife over 50,000 baht a year, and I would have had to pay that for the last 10 years at least (previously I was covered by employer).

So that is half a million baht - assuming I have saved the money it buys a lot of aspirin. And this is the maximum payout on many of the cheaper policies.

So I self insure mysel


Well, i am not conversant with Brit Bank Credit Cards. But as i have said in another place. My Australian Credit Card, provided i buy my ticket with it, will cover me free of charge with Zurich Insurance. I have a Platinum card so get 12 mths free travel insurance even though i am over 70 yrs. Lesser cards give a reduced cover, some only 3 months. The last time i checked was 12 months ago and i would have had to pay something like $A1700............what a saving !

(Where did that smiley come from, should be - or bullet point b if that does not work!)