topt

This is following SCB's lead so you may well be correct - in Thailand. I don't however see this happening in the UK in the near future.

From the link - Forgive my ignorance of CCTV set ups but why would you need so many servers?

I don't understand why 2 posters with such a prolific post count would want to make such baseless assumptions about 2 other posters especially as the first added a post to specifically cover it. No wonder people on here give up posting or responding.........

Especially so if he was a colonel.......... Likely a typo or AI embellishment...........

In the UK that's what I remember them saying about shell fish (mussels particularly) - not pork..........?

From memory April Int My Health International has 5 different levels of cover from Emergency, then Basic and up to Premium. I have Basic (and I think @keithsimmonds has as well) but sounds like you have a higher level and hence would expect a higher cost. If not then you really are paying a lot........

Thanks Keith. I have a similar exclusion but it should not affect the premium. Presuming you have the Basic policy the same as mine then premiums are very different. In December 2021 at age 62 I paid 2,297.39 - which supposedly should be in same age bracket as your age 65 2021 premium at which time you paid less....... The increase from 65 to 66 seems 'reasonable' as changing bands and the 2023 price is significantly less than the price I was quoted which gives me some hope that was perhaps an error on their part. PS. The 3131 quote was I presume with $500 deductible or you negotiated a further discount?

Unfortunately not when it comes to Android which is becoming more and more locked down.

I am hoping that the information below may help others who may already have or are looking at taking out April International Health Insurance or simply as a comparison to other insurance providers. This was in part driven after this thread highlighted some potential larger premium increases for me going forwards. https://aseannow.com/topic/1279120-april-international/page/2/#comments I originally only moved to April just under 2 years ago after David Shield/Passport Card whacked on a 30% increase mid band. At that time, end of 2021, April International’s premiums for their Basic policy of $500,000 with $500 excess were quoted by the broker as follows – Age – Premium % change 65 - $2,380 66 – 2,790 +17% 71 – 3,196 +14.5% As of last week when I was finally able to get April International to respond - Age – Premium % change 65 - $2,682.72 (Approx 8% over previous year) 66 – $3,743.25 +40% 71 - $4,347 +16% Premiums based on no pre existing and no claims. All 3 age premiums based on if I was renewing at that age today and in-patient only. I have queried the 65-66 age increase but no idea when I will get an answer. I know it is a change in the age bandings however it still seems very high and makes me question the small increase with the later age banding starting at 71. I also compared the Pacific Cross Maxima Plus 10m baht cover based on the spread sheet obtained from AA Insurance (from earlier this year and with no deductible and no outpatient) and at age 66 and 71 the premium differences over the previous bands were 37% and 49% respectively………Depending on which exchange rate you use the premium at 66 was lower in baht for PC compared to April Int. but higher at age 71. I know PC offer a no-claims discount as well. Just to further confuse the issue this is the very first reply from a customer service agent at April who specifically said – “For My Health International, we don't have "Age Bandings" or "Age Brackets" as mentioned. Our previous policies had it, but not our new ones. Prices according to the age are based on your exact age, and so increase each years instead of a great increase all 5 years.” This statement does not gel with the premiums given above in the latest reply. I would be interested in any other policy holders views on their premiums for comparison or simply corrections if I have used some erroneous figures/calculations. My attempted dealing's with April International have really highlighted for me the value that the then agent was able to provide especially in getting fairly basic information qualified. Unfortunately that does not seem possible now with a local agent. For completeness I have attached the pdf's from AA Insurance showing the comparisons of International policies in 2021 (I cannot seem to get a later version) and Thai policies from either late last year or earlier this year. 2021 10 Comparison top AA Health Plans Int 130121.pdfAA Comparison 1m THB plans v2.pdfAA Comparison 3m THB plans v2.pdfAA Comparison 10+m THB plans v2.pdf

Sounds like you are paying extra for installation which surprises me? Try calling the call centre. In my experience with True (all be it not in Bangkok) the store staff didn't seem to have any pull with the engineers whereas via the call centre very few issues. Very unusual for them to agree a call and then not happen for a week.

Seems like you are doing exactly that?

Almost certainly and so possibly will the Thai bank. If you have any thoughts on repatriating money at any point (and are sending to your account) it is worth saying it is for property investment or similar. Doesn't change anything or limit what you can do with the funds. OP you may well be aware but make sure you transfer in GBP and allow your or her Thai bank to do the conversion to baht. You will lose out if you allow a UK bank to do the conversion at their end.

I know nothing about the Cambodian financial sector. How 'regulated' are the banks say compared to Thailand? Especially if you are not a local.

Yes Sapphire used to have a great lineup

Can you say who you were informed by please? And what is meant by 'everything'?

You could try asking them to confirm that those specific hospitals are listed and say you will apply for the policy if they will give you written confirmation of that fact...... However what's allowed now and what will be in 3 years or whenever is impossible to predict. If it is such a big issue for you I would advise using other insurance.

Sorry I haven't bothered to download it.

@Richard007 This is my current concern with April International. I am an existing customer, but no claims and have been trying to get information out of them on future premiums in the last month using email and their response form in the customer zone online...... I finally had to resort to having to ring someone who said I would get a reply within 48 hours - it took a week and I have just replied with questions that were left unanswered. When AA Insurance (a broker here in Thailand) were able to interface it gave an extra level of help and consequently comfort. Unfortunately Thai based brokers are apparently not legally allowed to offer cover from International insurers so along with a change to ownership of said broker that leaves me more than concerned about using April Int going forward. That you seem to be in regular email with them sounds like a result but perhaps they try harder for potential new customers........ When I took out my policy 2 years ago I I think I asked about the "Hospital Network" and was reassured that it was a non-issue for me.

Currently SCB do not offer facial rec to foreigners. They offer you a "waiver" that you sign to accept responsibility for any fraud or something like that and then after that is approved (other posters said takes a few days) you can transfer more than 50k. It is for all Thai banks. Some already offer facial rec to foreigners but not SCB. NB - happy to be corrected if this has changed recently?

Thanks - if so that means it hasn't changed in about 10 years?

I did and unless I missed it they are only quoting the speedboat fares..

How much is the standard ferry price these days?

so from here - https://www.iexpats.com/qnups/ Looks like I may have been hasty in denigrating Malta before......... Another article I read mentioned Singapore.

Channel Isles and IOM have their own financial safeguards which are different to the UK ones. Also I would suggest the legal recourse is stronger there than say Cyprus/Malta et al..... @Expat68 seems to be proving that above. A number of offshore banks like Lloyds International are based in IOM or Channel Islands so not sure exactly what @BritManToo is saying. Yes of course you don't get the same protections as in the UK but that does not really help you.......

So they are not very good drivers also? I really do not understand the point of your post? I know many foreigners here who ride motorbikes - so......? Not sure who you think is trolling unless it is you.........