jerrymahoney

Well for me -- not even 2 months into the WrLife policy after 15 years of no claims with CIGNA Global and BUPA Thai pre-Aetna which they knew from the policy application -- they paid for surgery that they will require +/- 7 years to break even from my premiums.

Not my problem.

No. All they say is 'Certain underwriters at Lloyd's wi and they nowhere state the domicile of the underwriter who issues the policy. The AM Best 'A' rating is the underwriter - not Lloyd's That was an actual policy not a hypothetical. And getting further to any discussion of Lloyd's is way above my pay-scale

Thank you. You should let them know what they should do.

So are you suggesting that the WrLife people do not know this? You are getting rather tedious with your they need to do this and they need to do that.

The gent said they use the French and German social systems as a model. Nowhere did he imply or suggest that the French or German governments provide any security or financial participation. But would be satisfied if a large travel medical insurer said this: Insurance Underwriter: Certain Underwriters at Lloyd’s, London, rated “A” (Excellent) by AM Best. -- with no indication as who who is the underwriter or where domiciled?

Well I am A Yank so I don't know about French or German systems but this what is contained in their current 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 So, from the above, I guess you can say, as you do, that there may be no underwriter or insurance company, but that doesn't mean there isn't.

In reading this topic and multiple other topics on several different forums, one difference between the self-insurance crowd and the insured-by-others crowd is that the self-insurance crowd gets to say how smart they are as long as nothing real-bad happens but the insured-by-others crowd only gets to say how smart they are (if they so choose) when something real-bad DOES happen.

You will note on the WrLife website their claim information email: operations(at)assistinter.com And this for Assist International: Dr.Boon Vanasin Chairman of Thonburi Hospital and Assist International Services http://assistinter.com/main/?portfolio=our-management Also this acting as a sub-contractor to WrLife: Guarantee of Medical Expenses – In case of hospitalization, AIS can confirm the coverage for medical expenses at the insurance company, issue the Letter of Guarantee to the medical facility on behalf of the insurance company, reimburse the medical expenses, obtain the medical information and translate it to the language of insurer http://assistinter.com/main/?portfolio=services

Some people for various reasons, don't have a lot of other good options.

Thanks for showing up. What took you so long? From the above: Whether this one will flop or prosper they certainly don't know themselves. Quote from the movie Bonnie & Clyde: “All I can say is, they did right by me. And I'm bringin' me and a mess of flowers to their funeral.”

I see. You know that. They don't.

So they must have a reason to do otherwise. As you say: THE insurance company that is actually providing the coverage. So there must be only one and consistently must be the same.

This is conjecture on my part based on my limited exposure to wholesale broker and reinsurance markets and the information on their Policy Document at Module 8. WrLife does not list who is their underwriter because they do have 'an' underwriter. They are a small company with a limited risk portfolio and can do flexible things that the (much) larger companies cannot. They may place risk with multiple underwriters and have short durations at which point they use a different underwriter and can be from one of several countries. So in terms of various broker, wholesale broker, and reinsurance markets, they act almost like traders and there not is just one consistent underwriter like AXA or Generali.

No. I do have the same initials. But I certainly remember the show and Winchell was one of the most talented persons on TV. https://en.wikipedia.org/wiki/Paul_Winchell

Well she certainly is younger and so is the male kid who lives with the grandparents about 40 km away. And the kid just comes on weekends. I don't think I could handle the kid full time but at least I don't have to. Also her younger brother's daughter, who also lives with the grandparents, comes as well. They are the same age within a month of each other and, the way they interact, you might think they are fraternal twins. And she is a helpful delight. This cartoon is from the 2016 Trump-Clinton debate but this is how I think of the 2 kids on their weekend visit.

Note from WrLife Linkedin page: Industries - Insurance Company size - 11-50 employees Headquarters - London Type - Privately Held

When you see the word OPINION now in the topic header, that generally means Michael Bridges.

Then there can be something like this (1995): A gunman killed his pregnant mail-order bride and one of her friends and critically wounded another woman as they waited to testify against him yesterday in a marriage annulment hearing, police said. Timothy Blackwell met and married Susana Remerata Blackwell in the Philippines two years ago. They separated two weeks after she came to the United States. https://www.sfgate.com/news/article/2-Women-Shot-Dead-in-Seattle-Courthouse-3043509.php

That's OK. I've heard worse on here. Usually about her 'brother'.

You lose. Somchai rarely gets pregnant.

Mine is different: A prodigious set of knockers.

I posted here the information they have in their English language policy doc: https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/?do=findComment&comment=17543105

So you are the exception as not delusional?

different than what?