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simon43

'Regency for Expats' medical insurance

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simon43    5,923

Does anyone have experience - good or bad - with the 'Regency for Expats' medical insurance policy?  I have a quote from a Hong Kong broker and the cover looks quite reasonable ==> accept applicants up to 71 years old, lifetime cover, $1,000,000 USD cover etc.

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simon43    5,923



What sort of money was the premiums? many thanks.

 

For me aged 58 years, with no pre-existing conditions etc, the annual premium for $1,000,000 cover (excluding the USA) was $2,1000.

 

YMMV

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gk10002000    2,843
Posted (edited)

I poked around online and on their website.  One thing that jumps out is they do NOT pay the claim or costs directly to the hospital.  You must submit a claim.  Knowing the way some Thai hospitals work, getting things like BUPA that handle costs up front seem to be more attractive.  Actually reading further it is less clear than that. They seem to require pre approval for planned events, surgeries etc.  So some direct billing and settling may be possible. Pre approval is not unusual here in the USA.  But going through an international company and then in another country, just sounds like a lot of work.  Maybe these guys are good and have good smooth operations with some Thai hospitals or agencies.  Don't know

Edited by gk10002000
addition

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sanuk711    1,808

Not so much feed back is there--- My friend just joined , but he done little research...well like none. I have just been sacked by BUPA, so was looking around for another company, I'm 69.

They are aggressively advertising this one--(like every time you go on YouTube...etc) no one else a member ????????????

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stevenl    8,719

You will have to mention on the application form that you were just 'sacked' from Bupa (I presume you mean an existing policy was cancelled). This will significantly decrease your chances of getting accepted elsewhere at reasonable conditions.

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sanuk711    1,808
2 hours ago, stevenl said:

You will have to mention on the application form that you were just 'sacked' from Bupa (I presume you mean an existing policy was cancelled). This will significantly decrease your chances of getting accepted elsewhere at reasonable conditions.

Oh it's just BUPA's policy......if you joined after 60 years---then they finish with you after 70 years---it was explained to me at the time---but that was way in the future--so nothing to worry about....then in the blink of an eye--I'm 70, ...They said they would do one more year if I needed, they have been quite good & I would recommend them to join (to anyone under 60)

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Orton Rd    1,113

so 10 years cover and then when you will more likely need it they dump you, that's not a company to recommend is it

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Orton Rd    1,113
On 6/29/2017 at 1:35 PM, simon43 said:

 

 

 

For me aged 58 years, with no pre-existing conditions etc, the annual premium for $1,000,000 cover (excluding the USA) was $2,1000.

 

YMMV

with all the money you earned over the years you should not really need it and they will not cover your pre existing health problem anyway. LRI is only a flight away :smile:

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KittenKong    8,585
1 hour ago, Orton Rd said:

so 10 years cover and then when you will more likely need it they dump you, that's not a company to recommend is it

 

Aren't they all like that? Even if they dont refuse to renew they will simply put the premiums up so much that it's not worth paying for anyway.

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brewsterbudgen    5,543

They have an office in Silom and my broker has told me they have direct billing arrangements with all the major Bangkok hospitals. I'm looking at switching as their premiums are very competitive ($1 million maximum).

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stevenl    8,719
23 hours ago, brewsterbudgen said:


I would think all companies exclude pre-existing conditions.

Quite often for a limited period of time, also depending on the condition.

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BEVUP    298
On 8/8/2017 at 11:38 AM, THAILIBAN said:

need to know:

 

 

Regency_For_Expats_Faqs_-_2017-08-08_11.38.03.png

You have to love'm 

So to some that up you have high BP & keeping it under control & even went as far as an ECG

But all of a sudden you have a mild heart attack which you should of known was going to happen

= Sorry long term most expensive cover customer, you should have known this was going to happen & with that knowledge we cannot cover your hospitalization 

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BANGKOK 20 September 2017 12:49
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