jerrymahoney

WrLife Claim settlement If you contact any hospital our name to tell is ASSIST INTERNATIONAL SERVICES Emergency Call Center (24 hours in Bangkok (English and Thai languages) +66(0)953697939 mobile for emergency Landline: Tel +66(0)27197831, Fax +66(0)27197830 [email protected] https://www.wrlife.net/documents/WRLIFE CLAIM SETTLEMENT PROCESS.pdf

Yes. Must've been an oversight. I guess they can pull that over 70 shell-game if they can't otherwise find some pre-existing condition reason to deny the claim.

What I remember of the Spice Girls in their heyday was seeing them perform live on a TV show --a 5 girl group -- but they still had on stage and used back-up singers.

I was 71 when my claim was paid.

As with every other time you have asked this question, NO.

As an only child, she was raised by her Thai mother and Swiss stepfather. https://en.wikipedia.org/wiki/Lisa_(rapper)

Dr Boon at age 83 cannot be executive or serve on the board of an SET listed company namely Thonburi Health Group. That doesn't affect his ownership or being CEO any of privately held company. His wife will take his spot on the board. And while it may be easy to set up a UK company, for WrLife it has been there since 2015 so it has gone 7 years without Armageddon. And if people want to come on here and say you didn't do your proper due diligence and bought a pig-in-a-poke, that can be their opinion. After 5 years with CIGNA Global - no claims, I looked at my other options and decided WrLife would best fit my needs. If others don't want to buy into it, want to buy something else, or go the self-insured route, that is up to them.

Not yet. So keep your powder dry on your I-Told-You-So's. They've been a registered UK business since 2015.

I've been told what goes on here at AN is a pittance to what goes on at Facebook. But I've told on here since my claim was for an accident hip fracture, that isn't a REAL claim as in a pure medical condition that could have been pre-existing so that don't count.

If they vanish right now, I will be vanishing with their money. They have already paid a claim for me this year that will take them about 7 years premiums to break even on me.

As attributed to Mark Twain: The rumors of my death have been greatly exaggerated. Because of age, pre-existing conditions, cost and other factors, some people were left with not much of choice to go elsewhere. BTW WrLife, even though they are an advertiser on AN, they know that there are posts that suggest that they do not say who is their (sole) underwriter, under what jurisdiction is their policies, that their business model is unsustainable and may (at some point) implode. I know they are aware of this because I asked them. And, at least on here, it seems they have chosen not to respond.

To add to 2 questions on here: 1. WrLife premium policy. When I applied for WrLife NOV 2021, I was given 2 quotes. For application at age 70, the annual premium would be US$ 2508 per year. If I applied at age 71 it would be US$ 3841 per year. So that may address their way of, or not, age-related premium increases. 2. Underwriters. This from April International UK website: https://uk.april-international.com/en/living-abroad/long-term-international-health-plan (1.) If your insurance is contracted from outside of the EU/EEA the product is designed, administered and distributed by APRIL International UK and insured by either AXA XL Insurance Company UK Limited or AXA XL Underwriting Agencies Limited. Catlin Group Limited was a Bermuda-based specialty insurance and reinsurance company. Catlin operated six underwriting hubs worldwide and operated more than 55 offices worldwide. It owned the largest syndicate at Lloyd's of London, based on 2011 gross written premiums. Catlin shares were listed on the London Stock Exchange until it was acquired by XL Group plc in May 2015. https://en.wikipedia.org/wiki/Catlin_Group ************************************** So in virtually all cases, no matter who is listed as the healthcare underwriter, at least part of it, if not all of it, ends up at Lloyd's.

So as you noted on another Health topic *: "Nonetheless he wanted my personal opinion -- opinion not professional advise -- on what lab tests make sense and I offered it." So I will assume the post above is also your opinion and not professional -- as in insurance professional -- advice. * https://aseannow.com/topic/1269642-hello-sherylis-there-a-decent-urologist-i-can-see-at-vachira-government-hospital-in-phuket/?do=findComment&comment=17570467

As you have said. Someone wrote earlier another similar topic, there is no reason for an insurer not to disclose who is their underwriter. Obviously, the WrLife people disagree.

From WrLife English Language policy document: ANY INSURANCE FROM AN INTERNAL BROKER We are also licensed broker and we can find covers from any provider even from competitors. The WrLife global architecture also owns brokerage companies. One is in France for example and has the insurance broker license for all Europe. ************************************* Note the word "covers" as in plural. As for what is certain I have no comment.

OK -- maybe my next claim will be for a stroke or kidney failure so you can get a better handle on their possible longevity

That's because as I wrote they do not have one steady for-all-times- underwriter. And I know which regs they follow based upon my payment.

That isn't what you said last April: Claim with WRLife? how does that effect your premium now? with an accident they can't refuse a claim really, no get out https://aseannow.com/topic/1254832-private-health-cover-increased-by-almost-100-in-2-years/page/4/#elControls_17302315_menu

I went back and reviewed my email correspondence -- 30 emails back-&-forth with WrLife prior to submitting application mostly with Patrick Lorenz himself.

I had prior to WrLife 5 years of no claims with CIGNA Global so hard for them to say pre-existing condition. And WrLife is full medical policy not accident policy

You are suggesting that there are no actuaries at their underwriting syndicates? From a post different topic: This thread is hilarious. Nobody says the obvious: The people at WR/AIS are well known in the industry. https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/?do=findComment&comment=17549445

It was hip replacement surgery following an accident. If it was hip replacement surgery based upon a degenerative condition, that would be different?

I had been with CIGNA Global for 5 years with no claims. I moved to an area with no direct payment from CIGNA Global and I found that unacceptable. So for that reason and others, I went with WrLife as they say more about what they do than you seem to realize. I declared no pre-existing conditions. And I not going repeat what I've already posted. 2 months after taking out the WrLife policy I am told by a orthopedic surgeon that my X-ray shows hip fracture. This will not heal. We can schedule hip replacement surgery tomorrow. I go to the insurance guy who says Who? We work with CIGNA every day but we don't know these people. So while waiting for the guarantee of payment from WrLife, I was thinking: Mahoney. You may have made the dumbest decision of your life. With CIGNA the claim would already be guaranteed. With WrLife, I am reasonably confident but until it arrives, it ain't no guarantee. Guarantee of Payment arrived. Claim paid 100%

A story is one thing. An anecdotal unsubstantiated claim that someone might factor into making a decision whether or not to buy health insurance is something else.