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BUPA $$$

97 posts in this topic

I have mostly always lived in countries which have what the Americans call----socialist policy's on medical treatment, Britain- Sweden--New Zealand--Australia. So the only thing you ever had to worry about --(as my mother would say) is that your wearing clean underwear if you ever got run over by a bus.

I really didn't get into taking out a BUPA policy until I was about 62, (talked into it by the wife) 2 weeks after had a horrific bike crash that had me flown down from Issan, to Bumrungrad for facial reconstruction. ---(which was OK as the original one wasn't winning any prizes)

Found out not only was I covered from day 1 with BUPA (Accidents only) but although I was on the lowest policy BUPA stepped in and picked up nearly the whole account--- just argued over the single room I took. I have seen this done numerous times since with friends, never thought I would be speaking well of any insurance company, but they do seem to go the extra mile for you. The cheaper Thai policy that was mentioned I think excludes the Thai patients from going to The BKK Group/ Bumrungrad/ and another group----- I know those groups do some great work, but their charges do seem to ramp up the policy price payments.

I am nearly 70 & I expect that every insurance company would try to price me out as I get older.--or maybe just say no at some point.

It something you have to come to terms with living in a ---non medical socialist country .

I was flat out told by Bupa that at 70 they will not cover me.

I believe this is the general policy of other insurers in Thailand.

By that time I will be on Medicare in the US. But obviously if I have the "big one" here, it appears it will be out of pocket.

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ID: 47   Posted (edited)

Best possible cover I have found is with AXA PPP International but at a cost. My policy was originally with Simply Health but AXA have acquired the company.
I have been with them for a long time and never had a problem (2 claims) and they have always settled with the hospital direct. You cannot beat piece of mind when you need to claim. Although I am based in Thailand, it gives me World wide cover (Except the US) and it's included so not an option. I like the fact that I know they will pay and not argue. Note the cover is for £1.5 million Sterling.
15,000 baht a month.
I am 58.
The Policy also includes Accident cover which a lot of Policies will not cover. A lot of Policies in Thailand require you to take out separate Accident cover which adds to your costs. Lots of people appear to have had Motor bike and car accidents only to find there Health Insurance won't cover there hospital costs....Buyer beware. If it's cheap, it probably isn't a lot of use.
PB55132 Benefits (Comp).pdf



Edited by Ronuk

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Best possible cover I have found is with AXA PPP International but at a cost. My policy was originally with Simply Health but AXA have acquired the company.

I have been with them for a long time and never had a problem (2 claims) and they have always settled with the hospital direct. You cannot beat piece of mind when you need to claim. Although I am based in Thailand, it gives me World wide cover (Except the US) and it's included so not an option. I like the fact that I know they will pay and not argue. Note the cover is for £1.5 million Sterling.

15,000 baht a month.

I am 58.

The Policy also includes Accident cover which a lot of Policies will not cover. A lot of Policies in Thailand require you to take out separate Accident cover which adds to your costs. Lots of people appear to have had Motor bike and car accidents only to find there Health Insurance won't cover there hospital costs....Buyer beware. If it's cheap, it probably isn't a lot of use.

attachicon.gifPB55132 Benefits (Comp).pdf

I am sure that is good coverage. The major hospital coverage looks similar to mine. My plan(international) includes accidents with Bupa and I am paying about 6000 b per month.

I am 61. It is my first policy so they gave me a discount, but without the discount it was about 7200 b per month.

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a health insurance that your insurer can back out of at any time is not worth having. it's just a licence to milk you while you are good.

you fall ill, i.e. diabetes, you'll need constant medical care and medication, you paid your insurance for 17 years with no claim... and they just pull the plug on you?

would you except that with any other insurance? like what you have for your home or car?

maintaining a travel insurance that not only covers you for emergency medicals but also lots of other stuff (and flies you home if you are really bad) PLUS your private health insurance in your home country, that can not be canceled or voided, appears to me to be a much better bet.

I agree it would be great if one could maintain the travel insurance policy. It does cover much more.

But, I looked into it and most do not cover beyond 3 months. If a company does, let me know. They will ask about your dates of travel, etc.

Yes, you can keep try renewing, but they will check things out and may claim fraud and not pay as in my case not truly traveling, but living in a foreign country.

http://www.staysure.co.uk/travel-insurance

1 week, or 1 year........they will quote for whatever you need.

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If I pay the premium up front for a years cover they offer a discount which in effect brings the premium down to 14000 bt a month. I am also covered for anytime I spend back in the UK. I am reluctant to take cheaper cover just in case it all go's wrong when and if I need it.

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I have mostly always lived in countries which have what the Americans call----socialist policy's on medical treatment, Britain- Sweden--New Zealand--Australia. So the only thing you ever had to worry about --(as my mother would say) is that your wearing clean underwear if you ever got run over by a bus.

I really didn't get into taking out a BUPA policy until I was about 62, (talked into it by the wife) 2 weeks after had a horrific bike crash that had me flown down from Issan, to Bumrungrad for facial reconstruction. ---(which was OK as the original one wasn't winning any prizes)

Found out not only was I covered from day 1 with BUPA (Accidents only) but although I was on the lowest policy BUPA stepped in and picked up nearly the whole account--- just argued over the single room I took. I have seen this done numerous times since with friends, never thought I would be speaking well of any insurance company, but they do seem to go the extra mile for you. The cheaper Thai policy that was mentioned I think excludes the Thai patients from going to The BKK Group/ Bumrungrad/ and another group----- I know those groups do some great work, but their charges do seem to ramp up the policy price payments.

I am nearly 70 & I expect that every insurance company would try to price me out as I get older.--or maybe just say no at some point.

It something you have to come to terms with living in a ---non medical socialist country .

I was flat out told by Bupa that at 70 they will not cover me.

I believe this is the general policy of other insurers in Thailand.

By that time I will be on Medicare in the US. But obviously if I have the "big one" here, it appears it will be out of pocket.

From BUPA Thailand website coverage description which is binding under Thai insurance law:

Guarantee lifetime renewal You can renew your policy with us for lifelong if you apply your health insurance before 60 years old. It guarantees you that you will always be protected by Bupa even if you are at your old ages.

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Best possible cover I have found is with AXA PPP International but at a cost. My policy was originally with Simply Health but AXA have acquired the company.

I have been with them for a long time and never had a problem (2 claims) and they have always settled with the hospital direct. You cannot beat piece of mind when you need to claim. Although I am based in Thailand, it gives me World wide cover (Except the US) and it's included so not an option. I like the fact that I know they will pay and not argue. Note the cover is for £1.5 million Sterling.

15,000 baht a month.

I am 58.

The Policy also includes Accident cover which a lot of Policies will not cover. A lot of Policies in Thailand require you to take out separate Accident cover which adds to your costs. Lots of people appear to have had Motor bike and car accidents only to find there Health Insurance won't cover there hospital costs....Buyer beware. If it's cheap, it probably isn't a lot of use.

attachicon.gifPB55132 Benefits (Comp).pdf

Nearly all Thai health policies include an accident cover.

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Just got an odd reply from Avivia....

Thank you for your email.
Aviva as a health insurer do not provide a global insurance policy.
Aviva plans are designed for members who are ordinarily resident in Ireland for at least 180 days of the calendar year.

A bit odd as they sponsor the whole of the English Premiership (Rugby Union)....

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Just got an odd reply from Avivia....

Thank you for your email.

Aviva as a health insurer do not provide a global insurance policy.

Aviva plans are designed for members who are ordinarily resident in Ireland for at least 180 days of the calendar year.

A bit odd as they sponsor the whole of the English Premiership (Rugby Union)....

Aviva has companies in many countries worldwide, who all work independently. Sounds like you contacted Aviva ireland?

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The optional OPD cover on Platinum 1-3 is only 60,000 THB pa.

Most cancer treatment is OPD, so if this is a concern what would be a good policy?

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The optional OPD cover on Platinum 1-3 is only 60,000 THB pa.

Most cancer treatment is OPD, so if this is a concern what would be a good policy?

Check policy wording carefully. There are annnual caps on OPD benefits that often amount to about what you pay extra to have the coverage. Also inpatient policies include coverage of outpatient surgery and some other procedures...might also extend to outpt chemo though I am not sure.

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Check policy wording carefully. There are annnual caps on OPD benefits that often amount to about what you pay extra to have the coverage. Also inpatient policies include coverage of outpatient surgery and some other procedures...might also extend to outpt chemo though I am not sure.

Wow, yes, I never really thought about this. So I am REALLY interested to learn if undergoing chemo etc as an OPD would actually then NOT be covered by a standard insurance policy.

Can anyone share some info on which insurance companies definitely pay for OPD cancer treatment? It´s a scary thought to sign up with one of the insurance companies only to find out that the cancer treatment isn´t actually covered by them because you´re taking the pills and injections as an outpatient.

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I have mostly always lived in countries which have what the Americans call----socialist policy's on medical treatment, Britain- Sweden--New Zealand--Australia. So the only thing you ever had to worry about --(as my mother would say) is that your wearing clean underwear if you ever got run over by a bus.

I really didn't get into taking out a BUPA policy until I was about 62, (talked into it by the wife) 2 weeks after had a horrific bike crash that had me flown down from Issan, to Bumrungrad for facial reconstruction. ---(which was OK as the original one wasn't winning any prizes)

Found out not only was I covered from day 1 with BUPA (Accidents only) but although I was on the lowest policy BUPA stepped in and picked up nearly the whole account--- just argued over the single room I took. I have seen this done numerous times since with friends, never thought I would be speaking well of any insurance company, but they do seem to go the extra mile for you. The cheaper Thai policy that was mentioned I think excludes the Thai patients from going to The BKK Group/ Bumrungrad/ and another group----- I know those groups do some great work, but their charges do seem to ramp up the policy price payments.

I am nearly 70 & I expect that every insurance company would try to price me out as I get older.--or maybe just say no at some point.

It something you have to come to terms with living in a ---non medical socialist country .

I was flat out told by Bupa that at 70 they will not cover me.

I believe this is the general policy of other insurers in Thailand.

By that time I will be on Medicare in the US. But obviously if I have the "big one" here, it appears it will be out of pocket.

From BUPA Thailand website coverage description which is binding under Thai insurance law:

Guarantee lifetime renewal You can renew your policy with us for lifelong if you apply your health insurance before 60 years old. It guarantees you that you will always be protected by Bupa even if you are at your old ages.

Yes great thanks good to know for others, but as I posted I am over 60 for my initial BUPA coverage so SOL for coverage after age 70.

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I live on planet earth sounds good, but that is all it does.

well, is that not exactly what 'world nomads' implies?

it remains to be seen (hopefully not) how their advertising and promotion stands up in an australian court, but i view their chances to deny cover somewhere 'south' of 50%.

when it comes to the crunch, i will not have to fight this in thailand but in australia! and if that happens, i will tell all of you about it.

Re tne World Nomads coverage, how many times have you actually done back to back (uninterrupted) renewals with them?

I can understand that they might offer a renewal. But, if someone wants continuous coverage with them, and keeps doing back to back renewals for the same country on an ongoing basis, I'm thinking it's likely to become a problem with them, at some point.

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I agree it would be great if one could maintain the travel insurance policy. It does cover much more.

But, I looked into it and most do not cover beyond 3 months. If a company does, let me know. They will ask about your dates of travel, etc.

Yes, you can keep try renewing, but they will check things out and may claim fraud and not pay as in my case not truly traveling, but living in a foreign country.

I share your concerns about ongoing renewability with travel insurance providers like World Nomads.

But FWIW, when noodling around their website, I filled in my info for a policy quote and just picked an arbitrary 4 month travel period, and their system shot back a policy quote to me for the 4 month period. So apparently, that particular firm isn't limited to the 3 month maximum you mentioned.

But whether they will allow ongoing, back to back one year or even 6 month renewals for the same foreign country time after time, I think that's likely a different question. Be interesting to know.

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BANGKOK 26 July 2017 10:05
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