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Advice sought on medical insurance and personal accident plans

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Dan5    167
1 hour ago, Antonymous said:

BUPA Thailand has offices all over. Or go to their website (or call them) if you are not located near to one. I've had very professional service from them always. You can choose the level of policy to suit your own needs from Sapphire, Ruby, Diamond, etc policies.

No problem. I live in Bangkok. I guess I just didn't try hard enough to find a Thailand only policy with enough coverage. The couple I contacted were 3 or 4 million Baht maximum which It didn't think was enough.

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Kwasaki    3,328
1 hour ago, Antonymous said:

BUPA Thailand has offices all over. Or go to their website (or call them) if you are not located near to one. I've had very professional service from them always. You can choose the level of policy to suit your own needs from Sapphire, Ruby, Diamond, etc policies.

Just been on their Thailand Web site 1952 birth date cut off.

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abrahamzvi    570
2 hours ago, Dan5 said:

Correction. I mean in patient, not out patient.

I really don't know, nor do I understand why BUPA quoted such high premiums for you. Maybe it depends on your age. How old are you, if I may ask. I have had my insurance cover with  

an insurance company back home for well over 30 years and it covers me fully whilst overseas including Thailand, of course. The cost is less than $500 and I am over 70 years old. However, my Thai wife who is in her early 50th has an insurance with BUPA at the highest level (Platinum) for which she pays about 70,000 BHT (app.3,000 ) Per year which is less than half of the price quoted to you for in patients cover only. Sorry, but I simply can't understand this!

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Dan5    167
1 hour ago, Kwasaki said:

Just been on their Thailand Web site 1952 birth date cut off.

That leaves me out. I was born in 1950

  • Sad 1

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khunPer    2,496

I used Bupa Thailand, like many others, when I settled in Thailand. It's depending of age, what insurance will accept you, but under 60 or 65 year old it's normally possible; some few insurance companies accepts applicants up to 70 years old. Bupa states they'll keep you covered for life (but annual fees may rock to sky-high level, especially if you claim something).

 

Bupa has a variety of health insurances, combined with Personal Accident (might be optional in some cases, and included in others); but there are many options, some earlier forum-threads has quite detailed information about possibilities, so try forum-search...

 

If you cannot get a Health insurance, some (if not all) of the Thai banks offers Personal Accident insurance; Bangkok Bank for example has a senior insurance covering people up to 100 years of age.

:smile:

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trawler    11

When I spoke to Bupa in Thailand 2 years ago as was coming up to 60th bday,the price for Platinum was around 85K baht per year but the proposed policy had so many ifs/buts that if you had farted in the last 20 years then any medical problem in your whole digestive system would not have been covered and the same applied to any other illness/system .Basically it would have been worthless to try nd get BUPA to cover any illness requiring in patient treatment.

As mentioned BUPA international is horribly expensive and really over the top for normal life in Thailand unless your always travelling.

FWIW.

 

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MaiChai    1,477
Posted (edited)

Like all insurances you need to read the fine print to see how they can wiggle out of it. The thing about insurance is it covers you when you cant pay: think car insurance where you could be claimed on to millions of baht if someone sued you to cover their medical and car replacement costs. If the cover becomes too expensive and there are so many clauses that they can get out of it, then just save the money up and pay out when needed. Also location determines cost of health care; near Bangkok/Pattaya/Phuket/Samui you are going to pay through the nose; up in the NE where we stay (Khon Kaen) its really cheap. Most healthcare is cheap; just operations and specialist treatment costs. But you can shop around, agree a price and then take the treatment.

Edited by MaiChai
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Kwasaki    3,328
3 minutes ago, trawler said:

Platinum was around 85K baht per year but the proposed policy had so many ifs/buts that if you had farted in the last 20 years then any medical problem in your whole digestive system would not have been covered and the same applied to any other illness/system

The one l had mentioned about alcohol levels found in the blood on admittance to hospital could annul payment or affect full payment to the hospital.

Seeing as l like a couple beers found that a bit unsettling making me wonder what other get out clauses there are.

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Minnehaha    754
21 hours ago, Kwasaki said:

Thanks if you find one please let me know,  l've been conned l guess no surprised there,  l don't think they will come around the house somehow my Mrs is livid.

I had similar experience. With Generali. I was 41 or 42. Rates locked in. Great coverage. Class 1. 

Then they left Thailand and all business was bought by another company who doubled my premium. 

I was livid. 

Let it lapse as I was getting new policy and while in process I had a catastrophic accident. I wish I had not had insurance my whole life and then went 8 months without to have such an event. Big mistake. 

Bottom line: get it while young and keep it because the problem can be even worse if s thing happens and then you are a walking pre existing condition and coverage is no longer worth it and costs even more.

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thailand49    739
Posted (edited)

Personally, the original poster question provides very little information which makes it hard to provide proper information.  The poster should go to the other Thread regarding medical.

As many of us know, insurance is sold ala carte,  your age and pre-existing conditions will determine what you pay or whether you get accepted. The older you are with pre-existing condition might as well start working out more watch your weight and create your own health saving account.

Trying to beat the system I've moved around a bit from one company to another. To each his own but Bupa is not cheap as people think. As noted, whatever you choose you don't find out what you are actually getting until you put your money down and get all the paperwork.

Whenever you google they follow you and those ads for expat insurance like Cigna, forget it ask for a quote and you will get Thousands of USD high premium quotes with high deductibles.

Recently I downside and got a policy with Neng, office inside Pattaya People he has a policy I consider better being offer for years by AA Insurance who represents the Pattaya Expat Club members.  He has a underwriting with AXA, at 1million/1.5 policy is pretty reasonable if you can get accepted and over 65 years of age. The 1m, is something like 29,000 baht and 1.5 35,000. Includes a 10,000 baht accident coverage. I got a added policy for 2,000 baht a year that covers 50,000/100,000 accident.

Have had Thai (Expat) Bupa, LMG,  no assurances, no real rights here in Thailand, they will find a way to cancel your policy if it doesn't suit their bottom line.

Good luck

Edited by thailand49

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StevieAus    119

Maybe have a look at Allianz they offer various options includes hospital and accident and reputable company

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Wake Up    368

Get a quote from Cigna Global online. 1200 USA dollars a year for 57 year old man with 1,000,000 of USA dollar coverage 

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connda    4,476
Posted (edited)
On 8/13/2017 at 3:45 PM, Kwasaki said:

l withdraw my claim that health care is ideal for me, just got a renewal through of 10,000 baht hike, the 32,000 was supposed to be the same for 10 years they lied to us as l see it.

I'd suggest staying away for companies based in Thailand.  Overcharged and underinsured, and problematic.  

Go with an established international provider who provides expat insurance. Others have mentioned some options.  Also check out HealthCare International.  

Edited by connda

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pauleddy    240

I am with BUPA Platinum, GOOD, and they never refuse anything, even ingrowing toenail. Problems are:

 

Im over 60 so its dear. Last time about 3000 usd. But they cant stop you staying with them forever unless you lie or something.

 

The PA is limited to 100,000b I think. It's not a Life Ins.

 

The small print allows them to ask more the next year if you have a big thing done. Defeats the object. If I have my leg chopped off, I dont expect the bill to be 'supplemented" at the next premium. I pay 3000Usd to avoid more expense.

 

All insurance is a racket. My cousin works in it. She told me a lot.

 

Eddy

 

 

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BANGKOK 25 September 2017 07:52
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