Captor

On the other hand Sweden once invaded Russia but I agree with you.

Is that not the great Anutins province?

This will all be forgotten in 3 weeks time.

So then better not doing anything?

Sound like symptoms from the bad air.

Nothing about the road killings and the bad air?

Who wants to run now with the air pollution there is?!

Amazing! I have read not so very nice reviews about Pacific Cross.

Thank you very much for clearing this up, Sheryl. Very helpful as usual ????

I see. Yes I can understand that. And also different deductables I guess.

Right, thanks! Yes the questions comes up from time to time and also we must consider that the questions are the same but the answers might change over time. If for example we see after some time, 4-5 years maybe, and longer, that some insurance company pays the claims or not. That can changer over time and is highly interesting for us all..

Wow! I did not se that one coming. OK, then I can more understand the exclusion of Optics. And dentist is rather cheap in Thailand, at least compare to my original country, so that I am used to pay myself anyway. OK, very well. Thank you very much for the info about that!

Really? I can not believe that is included in the insurance. But what do I know? Lately I have found out, not very much... ????

Dear Scuba, is it? OK, I did not know that. But so are many other issues like cancer for example. OK, not guaranteed but maybe 30-40% I guess. OK so if that is about 150 000 THB of what and I pay extra for that maybe 2000 THB/month? Cataract is only 1 time in life so then maybe better I exclude that and pay by myself when/if that comes. What are the most expats here doing? Exclude?

Thank you very much, Jerrymahoney. I have not seen this link as I did not searched for WRLife particularly. However there is very nice information in that link. I wonder about one thing when it comes to WRLife. Why do they have Dental/Optical cover "on the side"? OK, I can understand Dental but why Optical? That means if I not chose that extra then my eyes are not insured? It is like the insurance is for the whole body but WRLIfe wont insure left kidney and the legs for example. Are my eyes not considered to be a part of the body?

OK, thanks. Will do.

It is nice to read comments like this regarding the different companies. But it look like it is focus on April, Cigna and WR. I think they are all brokers. Not sure about Cigna. AA is a popular broker as well. But there are many others out there but they seems not to be so popular. Allianz in Germany for example and Generalli in Italy, they are the biggest in the world. And there are for sure a lot in Switzerland and Japan as well. Allianz and Generalli are insurance companies and probably sold by brokers. I Have seen Allianz in some broker webpage but not Generalli.

Thanks, yes, I will try with them as well.

Yes, I have tried apply for April but they want to have journals and reports from issues happen 30 years and 23 years ago. And they want to have the same from when I had Covid 2 years ago. I felt a little bit tired of trying to provide all that. Also I am pretty sure the doctor from back then 23 years ago, when I had an meniskus operation, is not alive anymore and the clinic is gone. So can not provide all what they want. And reports and journals because of Covid? Is that not a little bit too much?

OK, I will search into aseannow from outside, with Google. Did not know that it is better and that aseannow search don´t work so well. Thanks.

Wow! Happy Birthday....(not)

Good idea, I will try that, thanks.

Yeah, so very true.

Thank you very much for the nice answer. Yes the insurance business is a shameful and the private hospitals as well. If self insuring I guess you will use the government hospitals, right? I have no problem with using them mysef if they are OK and having good doctors. I more and more understands the people who, like yourself, are self insuring. Maybe that will be the path for me as well. We will see. I would like to hear if anyone are using WR and if they hav had a claim with them. That would be of interest.

Not so many if search. Only 2 came up. I searched "Health insurance". Maybe I did something wrong. Yes my age is a problem and also the preexisting condition. Better be honest about that I think..