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Advice sought on medical insurance and personal accident plans

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Kwasaki    3,314
2 hours ago, Minnehaha said:

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.

I think the thing is being a Brit we are use to free health insurance whether gov or private.

For Thai people health and gov hospital is not a problem unless their HiSo.

Private health insurance is a age cost problem for farangies in Thailand as l see it unless rich  

 

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Dan5    167
On 8/8/2017 at 10:30 AM, Kwasaki said:

My one is Thai with  "  www.thailife.com "  l was happy with cover because l didn't start it until 68.

 

32,000 per year for health cover until 99 yr,  2000 per year accident cover until 80 yr.

 

It comes with 100,000 payment in either situation on popping clogs.

The above URL isn't to an insurance company.

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Dan5    167
59 minutes ago, Wake Up said:

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 

Well, CIGNA might be good. But its an American company and I'm from the USA read all kinds of horror stories about American insurers canceling individual policies as soon as someone got sick with an expensive condition. The application would ask people for a list of every illness or condition they had in their life, no matter how minor.  Obviously difficult to do fro most people who are even in their 50s. Then when the policy holder would get some illness such as cancer that was really expensive to treat, the insurance company would investigate their health records looking for anything they might have ommited. I remember one case where someone got cancer and had not reported an allergy they had 20 years or so before and unrelated to the cancer. Their policy got canceled after paying into it for years.

 

I looked into getting a quote from CIGNA last year with some trepication and sure enough it wanted my complete medical history in great detail for my whole life. Unlike a few other polices I looked into that only wanted a history of treatments for the last 5 years or less and in some cases all hospital admissions in my life. Very reasonable and easy to answer accurately.

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Kwasaki    3,314
51 minutes ago, connda said:

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.  

So are western health insurers there too much for me,  l'l l just use my savings and keep on saving and if a trip is needed back to UK l'll get through customs and laid down on the exit foyer. :biggrin: 

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jeab1980    1,781

We can well most can tell you a horror story about insurance companies and there many ways of wriggling out of paying or breaking promises of no increase in  payments for x amount of years.

For instance i had a hernia op two years ago no big deal my then insurance BUPA managed to wriggle out of paying. As i take Lanzaprazole for acid reflux and have been for years. They used that as an excuse to say my stomach lining was weak. Two years later  ie this week i finaly got a cheque of them. With a letter saying the normal this in no way admits any fault or wrong doing on our behalf. Now been let down again by a price hike despite promises of no increase for no claims.

Looking into others now so far not one has anything to offer me that i would belive 100%.

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Kwasaki    3,314
31 minutes ago, Dan5 said:

The above URL isn't to an insurance company.

Well thailife.com  is on web but l wouldn't bother anyway.

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Dan5    167
17 minutes ago, jeab1980 said:

We can well most can tell you a horror story about insurance companies and there many ways of wriggling out of paying or breaking promises of no increase in  payments for x amount of years.

For instance i had a hernia op two years ago no big deal my then insurance BUPA managed to wriggle out of paying. As i take Lanzaprazole for acid reflux and have been for years. They used that as an excuse to say my stomach lining was weak. Two years later  ie this week i finaly got a cheque of them. With a letter saying the normal this in no way admits any fault or wrong doing on our behalf. Now been let down again by a price hike despite promises of no increase for no claims.

Looking into others now so far not one has anything to offer me that i would belive 100%.

Yes. But I'm not going to fill out an application, knowing that the information I give may not be complete (and probably isn't). So I decided not to take the risk with CIGNA. I bought insurance from a company that only require my medical history for the last 5 years and any conditions requiring hospital admissions. before that.

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pauleddy    240

That's very flimsy of them about lansoprazole. You could take Omeprazole with is 50b a strip but is weaker. I don't work in GI, but I'm sure is doesnt "weaken" and disbar you from Hernia Op. That's cobblers. Unless it was a Hiatus Hernia and the oesophagus was bloated and letting GERD acid rise up., but even so--these companies get a lot of money from us, in order to keep us well.

 

They should also remember that A Stitch in Time Saves 9. Do they want you to get bleeding varices or Stomach cancer in 2 yrs? Then, they will pay 2,000,000 and 100,000 to bury you.

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jeab1980    1,781
13 minutes ago, Dan5 said:

Yes. But I'm not going to fill out an application, knowing that the information I give may not be complete (and probably isn't). So I decided not to take the risk with CIGNA. I bought insurance from a company that only require my medical history for the last 5 years and any conditions requiring hospital admissions. before that.

Dont really understand what your saying i gave full disclosure as its what required. I told them about Lanzaprazole. Nothing was said about it limiting any future claims.

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jeab1980    1,781
1 minute ago, pauleddy said:

That's very flimsy of them about lansoprazole. You could take Omeprazole with is 50b a strip but is weaker. I don't work in GI, but I'm sure is doesnt "weaken" and disbar you from Hernia Op. That's cobblers. Unless it was a Hiatus Hernia and the oesophagus was bloated and letting GERD acid rise up., but even so--these companies get a lot of money from us, in order to keep us well.

 

They should also remember that A Stitch in Time Saves 9. Do they want you to get bleeding varices or Stomach cancer in 2 yrs? Then, they will pay 2,000,000 and 100,000 to bury you.

I am on omeprazole in actual fact Lanzaprazole is readily available in Thailand i did have a supply sent over from UK. But it was a pain. Omeprazole does the job. You are correct its B/S about it weakening the tissue. It didnt stop the operation i paid for it but the insurance refused to pay out as i said. I got several specialist letters for BUPA saying theybwere indeed wrong whichnis why they have finaly paid out as the next step in fact it was due to go to court next month! Its just another ploy take money off you but try as hard as they can not to pay out.

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taipan1949    123
Posted (edited)
On 8/13/2017 at 4:45 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 had BUPA but being an honest man I told them I had "hypertension" which was handled nicely by one little pill a day. I had to sign a paper saying that if I suffered anything that "they" attributed to my "hypertension" they would not pay. I paid my premiums for about five years, I started when I was 60 or so, and they went up astronomically and all the time I am thinking if I end up in Bangkok/Pattaya hospital for anything serious "they, BUPA" could say that just about anything could be attributed to my "hypertension" so I said f..k it and cancelled it. I have friends who are not as honest as me who have been treated well by BUPA but at a price. I don't want to start talking out of my ass because I don't have all the information BUT, I have recently moved to the Philippines with my Filipina wife after 30 years in Thailand and I see that the Philippine Government offers retired folks with a Filipina wife good coverage at a minimum charge. I am in the process of getting my Retirement Residence which by the way are far less restrictive than Thai and once I get my "Card" I will look into the Philippine Health Coverage but so far it looks ok?

Edited by taipan1949
Not enough information given.
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taipan1949    123
1 hour ago, Kwasaki said:

So are western health insurers there too much for me,  l'l l just use my savings and keep on saving and if a trip is needed back to UK l'll get through customs and laid down on the exit foyer. :biggrin: 

I will do the same to Canada.

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Dan5    167
55 minutes ago, jeab1980 said:

Dont really understand what your saying i gave full disclosure as its what required. I told them about Lanzaprazole. Nothing was said about it limiting any future claims.

Sorry. My post was not about your problem, but about my not buying from CIGNA because of the application.

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Jonmarleesco    1,620
On 8/13/2017 at 4:24 PM, jeab1980 said:

I was just about to respond and say i had the same and after the first year it suddenly went up by 8000bht a year. Rang them explained i was told no rise in premium untill i was 70. There answer you must have misheard and its not in writing anywhere on policy. My fault should have read the whole thing however would i have looked for that in the first place. Cancelled the policy they even tried to charge me for that no chance.

Looking around for a new provider.

Seems they omitted to mention the annual review.

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