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Advice sought on medical insurance and personal accident plans

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5 hours 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.

Beware. Even in the case of companies that utilise moratorium underwriting, rather than full medical underwriting - which sounds like a distinct possibility - any pre-existing condition needs to have received no treatment at all (that includes a check up) for a period of two years.

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14 hours ago, Kwasaki said:

Accident insurance is easy to come by in Thailand at most ages my one is up to 80 year old, l reckon the cover amounts are reflected in how much you pay.

 

Health insurance is separate in my case the amount you pay as l have just found out is on age,  l don't think Bupa would be affordable at 70 yr old unless maybe you have been with them a long time.

 

If l knew what l knew now l would of just saved the money to one side.

 

Age group, typically, plus an annual review. Putting money to one side would work if you avoided any major issue until you had saved enough. $50,000-plus for a coronary and ICU, for example. But as you get older, the chance of serious health issues, and more than one, multiply.

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14 hours ago, Dan5 said:

I don't know what you consider reasonable and maybe you pay less because you started the policy 30 years ago, but when I was getting quotes on insurance last year as I remember BUPA was over $500/month for out patient only. I ended up getting MSI for less than $400/month and AXA and CIGNA were just a little more. And I think all of them include accident coverage. Of course the coverage was ridiculously high for Thailand. 2 million dollars/year. But it seemed like the choices were too low or too high coverage.

They wouldn't do outpatient only, only as an optional add-on.

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13 hours ago, ResandePohm said:

All your quotes seem exeptionally high. I have just received a quote for USD 3,697.20 per year. This was from Regency for Expats for health coverage as in patient.

 

Which would have depended on your age. And which will increase at intervals, in line with age increases.

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13 hours ago, ICECOOL said:

Bupa Thailand has just been sold to a US Health provider. Am waiting to see what changes they make.

Aetna. Premiums will undoubtedly go up, and substantially. As for service standards ...

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6 hours ago, Jonmarleesco said:

Seems they omitted to mention the annual review.

They actually said  no rise in premium for 5 years

 

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Well for what it is worth, MSI just paid a fairly large claim of mine. 60 some thousand Baht. The whole thing was a little strange and I was worried a little. First of all I didn't bother to read the requirements for a claim before I went to the hospital. For MSI to work directly with the hospital to pay for the service, I needed to either get pre-authorization or if I was unable to do that, present my card as soon as I arrived at the hospital. I was unconscious when I arrived, though my wife could have presented the card on arrival if she had known. But since we didn't do that, I had to provide all the hospital documents that MSI needed. A lot of document. And the claim process took a long time. I had spent about 10 hours in the ICU and had numerous tests including an MRI, but they found nothing. Actually when I woke up at the hospital I felt fine, but they kept me there to do all these tests. And later when I talked to the neurologist about there being no diagnosis of why I passed out, she didn't seem concerned. But good thing I had insurance.

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12 hours ago, Jonmarleesco said:

Age group, typically, plus an annual review. Putting money to one side would work if you avoided any major issue until you had saved enough. $50,000-plus for a coronary and ICU, for example. But as you get older, the chance of serious health issues, and more than one, multiply.

Well l guess health insurance companies only want you to keep paying until you die of natural causes,  they don't want older people when they reach a certain age that's why they dump em. 

Just make sure you get very ill before they do.  :biggrin:

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Posted (edited)
18 hours ago, Dan5 said:

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.

Cigna Global is a British company and I am American and for some reason they did not ask me the same as you. Only surgeries in the past and current treatment for prexisting conditions. Paper work was simple and easy. And I am covered in almost every country in the world. What I like about Cigna Global is insurance companies have the reputation for denying claims and I can sue them in the USA or England if that occurs and get a lawyer on a contingency fee. In the USA I can sue for treble damages in some states because Cigna Global is not protected by America's strict ERISA laws for employer purchased insurance products.  Does not mean I want to sue or will recover treble damages but at least I have some leverage if they deny my claim. And I get a jury trial in USA.  

Edited by Wake Up

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1 hour ago, Wake Up said:

Cigna Global is a British company and I am American and for some reason they did not ask me the same as you. Only surgeries in the past and current treatment for prexisting conditions. Paper work was simple and easy. And I am covered in almost every country in the world. What I like about Cigna Global is insurance companies have the reputation for denying claims and I can sue them in the USA or England if that occurs and get a lawyer on a contingency fee. In the USA I can sue for treble damages in some states because Cigna Global is not protected by America's strict ERISA laws for employer purchased insurance products.  Does not mean I want to sue or will recover treble damages but at least I have some leverage if they deny my claim. And I get a jury trial in USA.  

Well actually CIGNA is an American company with a subsidiary in GB. Don't know why you got a different application than I did. The questionaire was 2 or 3 pages long, asking for a medical history (my whole life) for every imaginable medical condition.

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Just now, Dan5 said:

Well actually CIGNA is an American company with a subsidiary in GB. Don't know why you got a different application than I did. The questionaire was 2 or 3 pages long, asking for a medical history (my whole life) for every imaginable medical condition.

Possibly you got the form from the UK subsidiary and I got mine from the parent company. I don't know.

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Just now, Dan5 said:

Possibly you got the form from the UK subsidiary and I got mine from the parent company. I don't know.

Health care in the USA is different from all other countries. I noticed that the maybe 12 quotes I looked at all gave international coverage, excluding the USA. You had to pay extra for coverage that included the USA.

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On 8/14/2017 at 8:49 AM, Antonymous said:

I've had BUPA for about 30 years and have always had good service. BUPA Thailand has very reasonable premiums and you can choose from about four levels to suit your needs. You can choose to have only in-patient cover which drastically reduces the premium too.

 

I have done alot of research on personal accident insurance and found that Bangkok Insurance had the best policy - better than adding it to my BUPA. I recommend you check them out in your own search. You can go directly to any Bangkok Insurance office to sign up for it.

 

Where are they located Bangkok Insurance? Many locations in Thailand? Have phone number? How old can you be to apply?

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On 8/14/2017 at 6:13 AM, 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 

While I like that price and coverage limit, how useful is it in Thailand?  Do hospitals accept it and does Cigna direct pay or do you have to pay the hospital and then submit a claim for reimbursement?

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Contemplating http://www.pacificcrosshealth.com/en/ for medical insurance. Range of plans with variable deductibles and excesses. Covers most big hospitals in Thailand with direct pay subject to any excess (40K = 25% discount up to 300K = 50%). I'm under 60 but the problem I see for many is getting your first initial cover after 65 which is the age that many retire and relocate to Thailand. Also seems that specific Thai insurance companies just drop you when you reach a certain age.

 

 

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BANGKOK 23 November 2017 06:46
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