Hello,
I'm looking at options to insure my thai wife (mid thirties) here in Thailand.
I'm aware that as a Thai she's entitled to free healthcare but we live in a remote rural area (Umphang) and the local hospital is really ill equipped/doctors sub par etc...
The thought of her stuck there if she ever had a serious condition is really not pleasant.
I have been in contact with AA brokers.
Having browsed this forum and read about the downsides of local insurance companies/regulations, I asked about foreign based ones.
Alas it turns out international insurances firms will only insure foreigners, not Thai citizens, except for a company named VUMI, based in the US.
Has anybody heard/dealt with them before?
Are US insurance regulations broadly similar to EU/UK ONES?
I was also given quotes for AXA and April Thailand.
I realise they being Thai based, they can in theory raise their premiums based on claims, but my agent assured me that in their case, being community rated, that is not the case.
She also said that in her experience, they hadn't been problematic to pay claims (I had read that this can sometimes be an issue with Thai based firms, them claiming the problem is related to a pre-existing condition on flimsy grounds).
Would people here confirm that?
Any advice is welcome.