My daughter is three years old. I want to get insurance for her - and possibly myself and my wife. Can anyone recommend a reasonably sound insurance company in Bangkok that won't cost an arm and a leg?
Many thanks...
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Daughter Insurance
Started by jonnog, 2011-10-11 18:11
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9 replies to this topic
#2
aussiebebe
Super Member Posted 2011-10-11 19:23:52
Health Insurance companies operate the same in Thailand as in the West; they are law-abiding and ethical but the onus is on the customer to be honest about all pre-existing conditions and to read and fully understand the terms and conditions. Customers who complain about something not being covered have usually failed to understand the terms of their coverage.
I've used BUPA in Thailand for six years now and only ever claimed for outpatients visits whereas my wife was admitted once, fine - no problems. Our son is three and covering him with OPD is a disproportionately more expensive (children always are). You just have to contact many companies for quotes and carefully compare the premiums with the policies - it's pretty transparent. The 'best' company will depend on individual circumstances. Comparing premiums is meaningless; you have to go through the coverage being offered with a fine tooth comb! #3
phuketrichard
Weary traveller Posted 2011-10-16 09:59:32
i had Buppa Platinum as well for over 8 years, ( out patient only and no dental) for myself and daughter Never once had a claim
#4
featography
Senior Member Posted 2011-10-16 10:42:13
i had Buppa Platinum as well for over 8 years, ( out patient only and no dental) for myself and daughter Never once had a claim Is there dental riders available?? I have been told Thailand has no dental insurance plans by a multitude of Thai in 5 yrs of living here. #7
thaifkrlim
Senior Member Posted 2011-10-16 13:06:48
is it cheaper buy a non-OPD policy and pay from the pocket if any OPD need arises , than to buy a health insurance policy with OPD coverage but claim amount limited
#8
think_too_mut
Platinum Member Posted 2011-10-17 09:48:22
Through my company, I have top class worldwide coverage insurance with Aetna. BUPA does similar thing.
It covers any place on earth, Thailand too. Before joining me in Japan my Thai family was covered too. What a ripoff. No way I would buy that plan myself even if I had money to burn. All covered, it is 1,250$ a month. That is full coverage, dental included. Once I ran BUPA quotation for Thailand, that same one was 1,800$ a month (possibly because it is 1 customer not a company who can negotiate a group deal for all their expats). When you start going down from the most expensive ripoff "plan", you end up with one where most likely ailings are not covered or are under "pay first 2,000 baht yourself" which means, good chance you never get anything, if lucky, for lifetime. What would cost more than 2,000B in a reasonable Thai hospital anyway? Would you need any insurance at all if you always pay yourself? So, some cheap insurance that covers unlikely ailings, accidents, open heart surgeries, multiple hospital days. What you may really need is not covered anyway so why pay big names? See above, someone with BUPA has never made a claim. #9
phuketrichard
Weary traveller Posted 2011-10-17 10:17:27
my bad; I meant i had IN PATIENT ONLY> no dental
I had the Platinum policy for myself 57 and my daughter 16 and it was 55,000 baht/YEAR!!!! #10
samran
Titanium Member Posted 2011-10-20 12:31:38
if not mentioned already it is highly likely that you'll have to have at least one parent covered in addition to the child. Insurance companies in my experience won't cover the child by themselves.
Note also that premiums up to 5 years old can be expensive, but drop substantially after that. Bupa Thailand Thai Health and if you are in the market for a reasonable level expat health insurance plan (actually, they are pretty good), then William Russel out of the UK. |
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