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Expat Insurance Poll

My health insurance (only for Expats 60 and over living in Thailand)  

261 members have voted

This poll is closed to new votes
  1. 2. Type of personal insurance

    • Life insurance
      1
    • Medical care
      42
    • Other (please state in post below)
      3
    • None
      24
  2. 3. What insurance company are you using

    • BUPA
      11
    • AXA
      2
    • LMG Pacific
      2
    • THI
      2
    • NZI
      1
    • Aviva
      0
    • My own (monthly savings to bank account)
      8
    • Other (please state in post below)
      19
    • None
      22
  3. 4. Coverage in Baht

    • Under 10 000
      2
    • 10 001 - 50 000
      1
    • 50 001 - 100 000
      1
    • 100 000 - 500 000
      10
    • 500 001 - 1 000 000
      2
    • exceeding 1 000 000
      28
    • None
      23


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Regarding the prices for insurance for those of us over 60 it would be interesting to see what insurance coverage 60+ Expats in Thailand have in case of an incident that demand immediate medical care and makes home transportation impossible. A heart surgery can easily end up in over 1.000.000 ฿...

Any input is welcome!

Edited by craigt3365

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As I have stated elsewhere, I am basically going for a mixture of self insurance and a cheap Thai insurance. I can't see the point in paying for a health insurance that is going to increase its premiums astronomically after a certain age, forcing you out of their system as you are a bad risk, or refuse to pay for one reason or another.

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I get free medical insurance because my wife has a decent job. AIA is all I can read on the card the rest is in Thai I double checked to make sure it wasn't AXA

We have Life we don't need at this point as well.

I have an unbrella policy that protects me from civil lawsuits for most everything but drunk driving.

Edited by MrRealDeal

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i have Medicare supplement insurance with blue Cross from the USA which covers out of USA medical as if it was covered by Medicare in the USA

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The survey questionnaire forces you to answer all three questions; if you answer "none" to the first two you are still forced to respond something like "under 10,000" to the third one, although it should also be "none"...

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The survey questionnaire forces you to answer all three questions; if you answer "none" to the first two you are still forced to respond something like "under 10,000" to the third one, although it should also be "none"...

None is also under 10 000 biggrin.png

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The lack of interest in this thread as well as others that have been put up on the subject suggests to me that most expats are

1.Employed by a firm that offers them insurance (or have a wife in government service)

2.Young guys that are never going to get ill or

3.Old guys that can't afford insurance.

The problem is that these groups will never answer a poll like this.

I agree with Chiang Mai's remarks 100% but then again I like to gamble.

  • Like 1

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The lack of interest in this thread as well as others that have been put up on the subject suggests to me that most expats are

1.Employed by a firm that offers them insurance (or have a wife in government service)

2.Young guys that are never going to get ill or

3.Old guys that can't afford insurance.

The problem is that these groups will never answer a poll like this.

I agree with Chiang Mai's remarks 100% but then again I like to gamble.

Given that the poll "only for Expats 60 and over living in Thailand", your option number 2 should be "Young guys that are never going to get ill".

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Sorry. But still a valid remark I think. I was talking about the lack of interest in the poll.

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The lack of interest in this thread as well as others that have been put up on the subject suggests to me that most expats are

1.Employed by a firm that offers them insurance (or have a wife in government service)

2.Young guys that are never going to get ill or

3.Old guys that can't afford insurance.

4) Already dead.

  • Like 1

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I self insure and have done so sucessfully for the past ten years, that despite having paid a couple of not insignificant hospital bills, one of which was for heart surgery which cost under 200k baht at Bumrungrad four years ago, not the 1 mill. you mention! When it comes to assessing how much I have paid out for health care treatment vs how much I would have paid in premiums, I am well ahead of the game and will stay that way regradless, insurance in general preys on fear and health insurance is no different.

I agree with you but there will be a risc in the first couple of years of saving before you buildt up the neccessary assets to pay for a urgent surgery. That is where the insurance is motivated.

If you have the money to pay for any surrgery I really don't see why you should give money to an insurer, they are pro on calculate riscs and will almost always win.

I'm happy to hear that your heart surgery was not as expensive as I hear from other sources, that definitly change my picture. However I presume this differs with choice of hospital, I'll check with mine.

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I self insure and have done so sucessfully for the past ten years, that despite having paid a couple of not insignificant hospital bills, one of which was for heart surgery which cost under 200k baht at Bumrungrad four years ago, not the 1 mill. you mention! When it comes to assessing how much I have paid out for health care treatment vs how much I would have paid in premiums, I am well ahead of the game and will stay that way regradless, insurance in general preys on fear and health insurance is no different.

I agree with you but there will be a risc in the first couple of years of saving before you buildt up the neccessary assets to pay for a urgent surgery. That is where the insurance is motivated.

If you have the money to pay for any surrgery I really don't see why you should give money to an insurer, they are pro on calculate riscs and will almost always win.

I'm happy to hear that your heart surgery was not as expensive as I hear from other sources, that definitly change my picture. However I presume this differs with choice of hospital, I'll check with mine.

Check around the various hospitals, many of them have web sites that display their prices and many have package deals, procedures such as balloon and stent are very competitve these days and easily had for THB 175k, by contrast a single by-pass at Bumrungrad had a package price of 450k the last time I looked.

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My answer to the question "What insurance company are you using" was "Other (please state in post below)" - the company I use is Henner GMC, a French company.

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I self insure and have done so sucessfully for the past ten years, that despite having paid a couple of not insignificant hospital bills, one of which was for heart surgery which cost under 200k baht at Bumrungrad four years ago, not the 1 mill. you mention! When it comes to assessing how much I have paid out for health care treatment vs how much I would have paid in premiums, I am well ahead of the game and will stay that way regradless, insurance in general preys on fear and health insurance is no different.

2 1/2 years ago I had triple bypass heart surgery at Bangkok Heart Hospital in Bangkok. Cost then was 725,000 baht.

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BANGKOK 25 November 2017 18:33
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