Arndt777

Issue no. 3 for me are known illnesses of the insured. Any applicant has to inform the insurer about known illnesses (for example: I already had a heart attack). As I see it, the insurer can decide whether he is denying coverage, is imposing a high additional premium or is excluding the medical problem from coverage. If the insurer is excluding coverage, then the expat is walking around partly uninsured. If the insurer is denying coverage or is imposing high additional premiums which cannot be paid by the applicant, then people are excluded from living in Thailand out of medical reasons. So the insurer are deciding who is accepted for a life in Thailand???

Good idea!

For me 1.  (already existing insurance coverage) is an issue too. I have since for than 20 years a health insurance with AXA in Germany. It has international and unlimited coverage. But it will not be accepted by Thai authorities, although its coverage is much more better than all offers from the Thai companies.

Issue no. 2 is the regulation, that premium increases are allowed following claims experience, increasing age and health condition. This is opening the door for premium increases when you getting older and when you had a claim (perhaps because of a heart attack). This makes the premium development for you as a policy holder unpredictable. At my German health insurance with AXA premium increases are only allowed, if the claims experience of all insured is getting worse.