global expat

@Etaoin Shrdlu is img an insurance company not broker? I know pacific prime is a broker. Is img under good regulation? Thx mate

@jerrymahoney I realize direct billing is important. Thanks mate

@Etaoin Shrdlu one of the hospitals told me the person will stay at the hospital until they receive payment from the insurance company or the person. The broker told me the insurance company has a good track record of paying it. It is a huge upgrade of my previous one which is a thai policy. I am planning to send my insurance card to multiple hospitals in bangkok. Thanks mate

I got a UK inpatient only Insurance policy from western based broker. He told me that direct billing is not necessary as guarantee of payment letter can be provided. I talk to some hospitals and they mention the insurance company is not part of their direct billing list. Is direct billing necessary? What is your experience with guarantee of payment letter?

@Etaoin Shrdlu nice mate

@Etaoin Shrdlu what do you do for work? Thanks mate

@Etaoin Shrdlu what particular licenses and certificates should a broker have? Do you look at their LinkedIn profile to see their credentials? I did research on one broker. I looked at their employee reviews. One mention they hire people without license and some have to lie to get a sale. Thanks man

@Etaoin Shrdlu Thanks mate.

@Etaoin Shrdlu thanks man. I am referring to the insurance company. How do you test if your broker is actually good? What questions to ask them? How do you ensure service is good? I had a broker misspelt my name. That to mean is a red flag and he is from a reputable company too. Two brokers never showed up to our appointments and they are from reputable companies. They messaged me back to reschedule which I ignored. It shows bad service. Thanks mate

@Etaoin Shrdlu hi mate, what rating should the insurer have? At least A-? why only look at the financial rating of insurer and not insurance company? I have a new one with high deductible but I am thinking if I should buy another one just in case if one of them goes under. Thanks mate

I got a UK health insurance under western regulation with that covers worldwide excluding USA. What is good travel insurance for USA or travel insurance for other countries? I know that it can cover for cancelled flights / hotels / lost property etc. Thanks

@jerrymahoney @Etaoin Shrdlu thanks guys

@Etaoin Shrdlu will Pacific Prime fit the bill? They seem to have good reviews. They have offices in my countries.

@Etaoin Shrdlu so if an insurance company goes under but it's insurer remains solvent, then I am good. If an insurer goes under, then I am screwed. Are these statements correct? Which brokers outside Thailand you recommend? Thanks

@Etaoin Shrdlu thanks man