jerrymahoney

Discouraged that there isn't as yet a big fiasco at WrLife for some to write about. And why do you think they would not payout your claim? Because they deny your claim on medical reasons or they just go financially bust?

The main reason that I signed with WrLife before my claim was that I could apply with them listing no pre-existing conditions as I had a 15 year no claims record with CIGNAGlobal and BUPApre-Aetna. And most claims denial problems -- other than the purely administrative -- as discussed on here seem to be with judgmental decisions related to pre-existing conditions.

If. At least for WrLife, you cannot yet come up with an irrationally claim denied. But don't be discouraged.

Yes the query being: Please post all of your bad experiences with WrLife so that the self-insured and not-sustainable-business-model folks can have a good I-told-you-so time with you.

From Eyeglasses.com via email yesterday: We can ship 3 frames in one (DHL Express) order. Thank you.

Well if all visa efforts fail and your real intent is for your wife to meet your mother and step-father, you could all have a meet-up in Bermuda where a Thai citizen gets a free up to 3 month visa upon arrival

From Zenni Optical today: do you ship to thailand At this time, we are not shipping to Thailand, however, please check back later as carriers may pause certain destinations temporarily based on the reliability of delivery.. But -- eyeglasses.com now ships via DHL Express: Thailand $88.00 (1-4 Days)

Who knows? But one of the reasons I signed with WrLife late last year was that I could do so with no pre-existing conditions... and a 5 year (actually 15 year including BUPA pre-Aetna) no claims record was good proof of that.

Without reference to this accident, three on a bike really limits your ability to make evasive maneuver -- even with two.

My 50 satang: Don't have 80K USD income per year. Don't have lump sum 800K baht to stick in the Thai bank. 65K baht per month FET deposit works fine for me.

And from that linked page: Our Insurance company is an independent compartment of Norfolk Insurance. Our reinsurers and fronting have several billion USD insurance in force and solvencies over 500 million USD

If any insurer has reason to suspect there was false data supplied on the application form regarding pre-existing conditions, you might have to prove there were not rather than the insurer having to prove that there were. And a specialist doctor can generally tell the time sequence on an occurrence as to when symptoms became evident, or should have been evident to a "prudent" person, without a search of hospital records.

Easy for who to game the system -- them or you?

The form I provided is for a life insurance policy that I took out a few months before applying to WrLife. It was to show the extensive medical questionnaire I had already undertaken which made it easy to answer the WrLife questions. And my conversation with AIS consisted of: When are you folks going to provide the Guarantee of Payment. I am in the hospital awaiting surgery. (It showed up a few hours later).

Or else the life insurance company could deny the claim by just proving you aren't dead.

Quote from Sarah Palin?

I like the (former) President George W. Bush line: Some folks look at me and see a certain swagger, which in Texas is called 'walking.'

From my former CIGNA Global Policy: The insurance will be provided by: Cigna Life Insurance Company of Europe S.A.–N.V. 52 Avenue de Cortenbergh 1000 Brussels Belgium https://www.cignaglobal.com/dvc-pdfs/CLICE-EP17/en/200014 CGHO CLICE Expat Policy Rules Final.pdf

That was for a life insurance policy. So when the WrLife application form asked for : MEDICAL PREEXISTING CONDITIONS (IF ANY): past or present sickness, past surgery, medicine taken: I had just provided a complete medical history as to the life insurance form so I already had it for WrLife including 15 years of no claims with BUPA & CIGNA Global.

The hospital gave all the answers.

The biggest reason I switched after 5 years with CIGNA Global is that they do not have direct payment to any hospital in the major city I was moving to.

Burkina Faso.

I talked to AIS when making my claim for WrLife -- you know the one they couldn't deny based upon pre-existing conditions because it was from an accident. But they would have had, at least for me, a hard time denying any claim of mine based upon pre-existing conditions as I had no pre-existing conditions. In fact I just filled out a life insurance application a month or so before applying to WrLife as below,. And my life insurance policy was accepted.

Yes. I have talked to that type of compony. Have you?