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Spaniel    779

I just got my BUPA renewal notice. Last year my premium was B49,674 but the renewal rate has jumped to B67,313! I haven't had any claims the past year and only 1 small claim in 11 years. This is for the Emerald Plan. I'm 71, will be 72 in July. Guess that's the reason for the increase. I'm posting this just as info for others as I don't think I have any alternative other then no coverage at all.

Edited by Spaniel
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tonray    5,350

Was there a noted increase in the price charts once you reach 72 ? Many health and life insurers have gradated premium scales based upon age.

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grumpyoldman    2,034

Same for my Platinum Plan OP. Was always around 40,000thb a year this year the bill came in at 53,000. I think that's nearly the same percentage yours increased.

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richard_smith237    6,345

I'm 41 - my work pays for my BUPA International Coverage which I think is about US$2400

I pay for my Wife and Son (who are 38 and 2) - The Premium for both is GBP 1760 (with a GBP 500 dedutable each) for Inpatient treatment only.

I was annoyed last year when the premium when up by GBP 260... quite a dramatic increase, when I complained I was informed it was due to increasing medical costs. However, I can't see how medical costs have increased 17% in a year - The premium already increased by 12% the year before (for my Wife only).

So... While I'm extremely happy with BUPA's level of cover and relatively satisfied with the service (direct settlement at hosptials), I'm somewhat annoyed by the yearly increase in premium to the point I'd be happy to switch if a reasonable alternative were to become available.

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mania    4,023

OP I know in some ways that 67,313 baht per year is a lot

Yet in dollars I also see it is $197 a month so given age etc I guess still a pretty good deal

But...........What I don't understand about BUPA is after reading their Sapphire-Ruby-Emerald-Diamond plans

is just how little they cover & gawd help you if you need it in the first 6 months as even less is covered

The surgical fees of 22-70k coverage seems so thin

Same with the general expenses...capped so low

I just had a CT KUB scan I paid cash & it was 12k just for that 1

Overall after 4 years here major medical coverage is the one thing that has me often thinking of moving back to where

I came from. Because while I can self insure I also know things can happen that have no limit.

Insurance here is so limited from what I see.

At least back home in most countries there is that safety net where if you cant pay you will not be refused

Good Luck & hope your rates do not keep climbing for that amount of coverage

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mania    4,023

The only BUPA Thailand policy worth having is Platinum5 or at minimum Platinum 2.

Ruby, emerald etc ~ so little cover as to be nit worth having. For some reason ridiculously low policies like that are popular in Thailand...I guess people just look at rhe premium cost and not at what the policy contains.

internationally issuef Expat policies run from a little higher in premium than Platinum5 to about double it. Coverage levels are rificulously high....opposite situation to BUPA Thailand's most popular packages.

There is a lack of international expat policy geared to the realities of health care costs in Thailand.

Thanks Sheryl

I never looked at those till now & they do look a lot better & nice to see that "Full Cover" in the important spots.

@ 64.082 baht per year for my age group that is about $150 a month USD so a bit more than back home...but something to consider if I stay & just justify it as 5k a month roughly

What is kind of surprising about those cheaper Ruby,Emerald etc plans is there is also one called Crystal & it runs 11k a year & has full coverage in all the important

areas but......when I asked about it they said you have to be Thai

555 Have to laugh a little trying to imagine an insurance company trying to pull that off back home...Oh wait...your Japanese? your price is 6x higher smile.png

Edited by mania
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JESSVANPELT    247

All Health insurance plans go up according to age, nothing new here if you would have read the policy you would have known, but many get this same surprise

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wpcoe    708

One thing to remember if upgrading to a higher level of BUPA coverage is that any pre-existing condition as of the day of upgrade will covered only at the level of the previous plan. If you've had BUPA for a number of years, that covers a lot of areas that will not benefit from a higher level of coverage.

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Spaniel    779

All Health insurance plans go up according to age, nothing new here if you would have read the policy you would have known, but many get this same surprise

I knew their would be a increase in premium at renewal. My post was concerning the size of the increase.

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xylophone    2,482

All Health insurance plans go up according to age, nothing new here if you would have read the policy you would have known, but many get this same surprise

I knew their would be a increase in premium at renewal. My post was concerning the size of the increase.

Yes same here.........was very surprised when my annual premium went up to over 100k baht pa.

Problem is not much in the way of options available at 68 yrs old so changed to monthly direct debit which eases the pain a little!!

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Sheryl    9,042

All Health insurance plans go up according to age, nothing new here if you would have read the policy you would have known, but many get this same surprise

I knew their would be a increase in premium at renewal. My post was concerning the size of the increase.

Yes, the BUPA increases are huge because they do it 5 yearly. Other policies will increase by less but every year. Anout 7% rise every year vs. about 35% in one fell swoop. I don't know why BUPA does it this way, would think less palatable to their clients. But in fact works out sort of the same.

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topt    1,031

All Health insurance plans go up according to age, nothing new here if you would have read the policy you would have known, but many get this same surprise

I knew their would be a increase in premium at renewal. My post was concerning the size of the increase.

Yes, the BUPA increases are huge because they do it 5 yearly. Other policies will increase by less but every year. Anout 7% rise every year vs. about 35% in one fell swoop. I don't know why BUPA does it this way, would think less palatable to their clients. But in fact works out sort of the same.

Would the OP not be falling in the middle of a band though as from memory don't they run 55-60, 60-65, 65-70 etc? Seems strange to get hit for so much going from 71-72?

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BANGKOK 24 September 2017 06:41
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