global expat

@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

@Etaoin Shrdlu which insurance companies you recommend ? Thanks

Hi, I am a Canadian in his eatly 30s. I talk to three health insurance brokers. Two of them recommend morgan price and one recommend me ACS based on my budget. I know Morgan price is UK regulated and ACS is French regulated. There are not many reviews on acs. Does anyone have experience with acs or Morgan price? Thanks

@Sheryl no worries. Out of curiosity, why did you choose april international insurance over axa from the UK, cigna, and Allianz? Thanks

@Sheryl Hi Sheryl, I know you recommend to buy health insurance from a western based company under western regulation. What about your tips for expat Life insurance? Thanks

@Etaoin Shrdlu makes sense. It is better to buy life insurance in canada where the regulation is stromger. Thabks guys

32 years old, just 1 to 2 year, I might stay there or leave

I am 32 years old Canadian. Single dude. I could change my mind and live somewhere else. Thanks guys

I am single. I am thinking to buy life insurance when I have kids. I like to live here in Thailand. Which expat life insuranxe you recommend? Do they weasel out of paying too like health insurance? Thanks

Make sense. I did not feel it was fair for company b to exclude everything related to thyroid. company a was nicer. Thanks Shreyl.

@Sheryl I have a question Shreyl. Does a company with strict full medical underwriting mean they will more likely deny claims? I have hypohyroidism. Company A excluded coverong anything related to hypothyroidism while company B excluded everything related to the thyroid. I did not like company b answer. So I bought a plan with company A.

@Tom100 I realize emergency fund is a backup in case they deny it.

@Cardano i am sorry for your colleague. what is the name of the insurance company so we can avoid it? You cannot trust private insurance. I realize we need an emergency fund in case they like to avoid paying us.

@hereforgood @1FinickyOne it seems a combination of an emergency fund or reasonably priced public hospital are a back up in case they deny a claim. Bases on those negative trustpilot reviews, even the good ones like cigna try to deny claims.

Hi everyone, I'm a Canadian in my early 30s looking for international health insurance in Thailand. I am trying to save money on health insurance. I've been researching options and understand that Western-based plans from non-Thai companies like April France, Cigna, AXA UK, and Allianz Europe might be preferable due to stronger consumer protection laws. I'm considering plans with either a $500,000 usd or $1,000,000 usd annual limit. Would $500,000 be sufficient coverage, or is the higher limit of $1,000,000 recommended for comprehensive healthcare in Thailand? Any insights or recommendations based on your experiences would be greatly appreciated. Thanks guys

Thanks guys

Thanks guys

Other than using a reputable broker, what other strategies can individuals use to minimize the risk of claim denials and ensure their insurance will pay out when needed? I'm worried my current and future insurance providers might not come through in a critical situation.

@JBChiangRai all insurance companies on trustpilot even the "good one" like cigna, April, axa, luma, allianz have bad reviews. The common complaints are slow claim process, bad customer service, refusal to pay claim, etc. I am scared that my current one will weasel out of paying.

Thanks guys for your help.

@Hummin sadly no. I am Canadian nonresident so I do not get access to health care. Thanks man. I will contact them, pacific prime, and tenzing pacific to see what each say.

I'm in my early 30s and looking to purchase private health insurance. What are some key factors to consider when choosing a plan, and what would be a reasonable annual limit and coverage?