HHSAM

I was with April for 4 years - 1st year increase was about 15% - reason: costs accrued due to Covid pandemic (I didn’t claim) 2nd year increase was about 20% - reason: moved to new age band (65), I didn’t claim 3rd year increase was about 16% - reason: many false claims made my customers increased their costs This year increase by 12% - reason: change in coverage and policy l, coverage increased to 30M from 16M etc. (I didn’t request any increases or policy changes for maternity etc and I asked repeatedly for a reduced coverage) This years premium for me was 158,000 including an 80,000 co-pay, including my wife. I asked the broker repeatedly for alternate quotes with 5M coverage and they ALL came out more expensive or with medical exam risks I’m 67 and healthy. My wife is actually an agent for AIA and she created a modest life insurance policy with a medical rider and 5M inpatient coverage for 80K My friend has also had similar increases with April I wouldn’t touch April with a long sharp stick!

You should leave Hua Hin and go to one of the cities with amazing and wonderful service, prices and people. All bitter and twisted up.