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paulinbkk111

Health care for 70 year old father

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paulinbkk111    64

Hi all!

My father is planning on spending more time with me in Bangkok (3 months a time). Recently he has undergone cancer treatment (melanoma), and knee surgery, but is still a tough cookie.

Can anyone recommend comprehensive insurance for older travels? Some of his friends have mentioned they got insurance, at a price, but need more details.

Coverage, access to Bangkok Hospital/similar are most important. Price not the biggest concern, willing to pay a lot to spend more time with him.

Would only be based on Bangkok, Thonglor/downtown area.

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lopburi3    4,704

Do you mean living with you full time - but exit return every 90 days or only making trips for 90 day stays? Expect travel insurance would be an option if not here full time and that might be more reasonable for full coverage.

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billd766    10,036

I suspect that very few insurance companies will insure against pre-existing medical conditions.

Those that do will certainly require very large premiums.

His age will be heavily weighted against him as well.

Edited by billd766

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canthai55    1,095

call Bupa for a quote

Was in Bupa Thursday. got a Platinum coverage quote. Turn 70 - no coverage under any of their policies

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JESSVANPELT    247

I would check with Bupa. They would require an annual plan and would not cover any existing ailments, but they should give you a quote.

You might get by not admitting to the existing ailments.

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billd766    10,036

I would check with Bupa. They would require an annual plan and would not cover any existing ailments, but they should give you a quote.

You might get by not admitting to the existing ailments.

I did an online quote last month and a couple of days later I had a phone call from the company in Scotland.

They were reasonably happy until I mentioned that I had 2 stents put in 10 years ago and an arthroscopy on my left knee and while they might have insured me they would not cover me for much and the cost was very very high. It also precluded heart and knee problems.

The problem with not admitting any previous ailments is that if you do go to a hospital and they find out that you have had this problem before the insurance will be cancelled on the spot and you will be liable for the total hospital bill yourself.

Edited by billd766

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johnatong    1,142

You would be best advised to contact an insurance broker who will search the market on your behalf.

If coverage can be provided expect it to exclude all preexisting conditions and be expensive.

If your father has friends of a similar age who obtained insurance he should ask them for details.

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stevenl    8,740

I would check with Bupa. They would require an annual plan and would not cover any existing ailments, but they should give you a quote.

You might get by not admitting to the existing ailments.

Of course you can lie on the question form. Just take into account that you'll be expelled on the spot as soon as they find out without any coverage.

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dddave    2,004

I'm over 70 and went to BUPA to find what kind of coverage they would offer. Short answer is "0". They would not even consider opening an account for anybody past 70. Even existing accounts have difficulty renewing once past 70.

I remember several years ago, a friend in his early 60's applied for BUPA. In his interview, he mentioned he took a prophylactic dose of Lipitor as a precaution even though his cholesterol levels were within acceptable limits. The BUPA rep immediately declared he would not be covered for ANY cardiac related issues as even the cautionary dose of Lipitor was enough to invoke Pre-existing cardiac conditions.

For the OP, I think the only real option will be travel insurance. Most policies have a six month limit per trip but it might turn out to be cost effective for him to return home, then come back on a new itinerary.

In the USA, the AARP (American Assoc. of Retired Persons) offers a variety of insurance policies. Is there a similar organization in your dad's home country? Might be worth checking out.

At the end of the day, the fact is that insurance companies are in business to make money and actuarial tables do not favor people over 70. Maintaining existing coverage is tough enough, establishing a new policy that is actually worth anything is damn near impossible.

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Spaniel    779

I'm over 70 and went to BUPA to find what kind of coverage they would offer. Short answer is "0". They would not even consider opening an account for anybody past 70. Even existing accounts have difficulty renewing once past 70.

I remember several years ago, a friend in his early 60's applied for BUPA. In his interview, he mentioned he took a prophylactic dose of Lipitor as a precaution even though his cholesterol levels were within acceptable limits. The BUPA rep immediately declared he would not be covered for ANY cardiac related issues as even the cautionary dose of Lipitor was enough to invoke Pre-existing cardiac conditions.

For the OP, I think the only real option will be travel insurance. Most policies have a six month limit per trip but it might turn out to be cost effective for him to return home, then come back on a new itinerary.

In the USA, the AARP (American Assoc. of Retired Persons) offers a variety of insurance policies. Is there a similar organization in your dad's home country? Might be worth checking out.

At the end of the day, the fact is that insurance companies are in business to make money and actuarial tables do not favor people over 70. Maintaining existing coverage is tough enough, establishing a new policy that is actually worth anything is damn near impossible.

"Even existing accounts have difficulty renewing once past 70".

Sorry dddave but this just isn't true. Their is no problem renewing your policy after 70. I will be 72 in July and I just got my renewal notice a few days ago. I didn't like the rate increase. Check a thread I started a few days ago for other details, BUPA $$

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BANGKOK 24 September 2017 06:35
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