jerrymahoney

Yes. Not all. On the application, it is just a matter of what is asked. Some ask for medical history only up to 5 years prior. But all it seems have you sign a statement that you have provided complete medical history as requested subject to cancellation if later proven otherwise. As for a pre-admission evaluation provided to an insurer by the hospital, I have never had a doctor ask: What would you like to to write?

... except for the scar.

At least in Thailand, most expats carry only insurance for inpatient procedures which requires an evaluation by the hospital medical staff before the insurer approves. Some things will be obvious to the doctor whether directly related to the claim requested or not. I always get something like this as to a last year chest X-ray: Old fracture at right clavicle, fixed by plate and screws. from 25 years before. As to the "I don't think I've seen this asked" put the following into Google search and you will get lots of hits: aseannow.com how does an insurer know medical history

So in plain English, would you be asking the hospital doctor to falsify the pre-admittance evaluation?

I was stating my position.

In part, not a tough call for me: I can afford annual premiums but I would not readily be able to come up with a self-pay 1 million baht lump sum

If. You make it sound more like 'when'. As someone recently commented, people are reluctant to come forward with positive experiences lest they be labeled a 'shill'.

https://thaiartisanfoods.com/product-category/curing-and-pickling/

From OP: Needless to say it's a Thai company.

This is the first step on the Thailand Office of Insurance Commission (OIC) Complaint portal: https://complaintportal.oic.or.th/ppms/login

As commented earlier, this topic has been done to death. But it involves how, or even if, one should spend thousands of dollars per year on health/medical insurance whil(st) living in Thailand. So I don't think it is too much to answer a bit when someone anew asks these same questions. And I, for the most part, try to limit my responses to the question of someone who has had actual claims paid by WrLife. And then, sometimes, I can't help but react to the 'anyone who bought WrLife has bought a pig-in-a-poke' type responses.

https://www.bose.com/en_us/products/headphones/noise_cancelling_headphones.html

In case the OP guy is still reading this: https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/?do=findComment&comment=17530780 My due diligence came as, after 5 years with the blue-chip CIGNA Global, I needed to make a change because I was moving to an area where CIGNA G had no direct billing. At age 70, my options were limited. I saw that WrLife offered a policy with similar annual coverage to CIGNA but there was a big jump in annual premiums from age 70 to age 71 as I would turn in just a few months. I had just been approved for a modest Thai life insurance policy so I had all the medical underwriting stuff easily at hand. I also had about a 40 entry back & forth email correspondence with P.Lorenz some of which I liked and some of which I didn't. But I decided that was the best route to go. And when I think of the 'reservations' expressed by several contributors on here, I think of this line from Bonnie & Clyde (1967): --and all's I can say is, they did right by me, and I'm bringin' me and a mess of flowers to their funeral.

Also from the OP link following the above quote: The officers noted the Chinese husband, who is a businessman, was not so cooperative, and suspected that he probably knew the suspects.

Mingshan transferred 970,000 baht to the kidnappers before his wife’s car was discovered abandoned in the Banglamung district of Chonburi by police. from OP link

Most, but not all, large self-insurers also purchase some catastrophic risk coverage for their outlier cases. I also have Medicare in US. But I would have to get back to USofA first before that would become a factor. Personally, my finances are such that I can afford the annual premium -- a lump some cash for a reserve would not be so easy.

Maybe. But that's why some offices/IO's at least ask for proof as to source of funds.

Because with a large risk pool, any individual might have, say, a 2% chance of having a incident of a given condition but, with a risk pool of 1, the only chances are 100% or 0%.

You can have all the reservations you want. I am only talking about my specific experience. You and others are just giving your opinions mainly that they do not operate as you think they should operate and that their published statements are "waffle". Noted.

You were one of the persons who said, as my hip surgery following an accident doesn't count as a medical claim paid by WrLife which could be denied for some (fabricated?) pre-existing condition. Then, I did a year later get a medical claim and posted about that -- but with no comment from you. So I am just going to presume, based upon about a year's worth of entries, that you are more interested in bad reviews than in good reviews. I have mostly responded on these topics because people ask for first-hand info on claims experience. But I have never advised anyone as to whether they should sign up with WrLife or for that matter anyone else.

However the gent is already on record re someone deciding not to go with WrLife: "I reckon your gut feeling is right on that, i feel the same, money better spent elsewhere" https://aseannow.com/topic/1281012-wrlifeany-more-info-or-updates-regarding-trust-and-claims/?do=findComment&comment=17795234

Sure -- but you cannot compare a self-insured risk pool of 100,000 versus a self-insured risk pool of 1.

Yes -- it means hi 5's all around the office. https://aseannow.com/topic/1286249-medical-insurance-…wr-life……for-70-plus……your-experiencerecommendations/?do=findComment&comment=17898101

I think the law is pretty plain as to how much Immigration can receive for a Section 35 extension.

You asked a question. I answered. You disagree? Fine.