global expat

@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

@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