lossantos

A new 65-year-old applicant today, same April Comfort inpatient plan, same zone, is quoted around 7,500 USD per year. A new 70-year-old is around 8,700 USD. Now take a member who is 40 today and paying around 4,000 USD. If renewal increases averaged 12% per year for 30 years: 1.12^30 ≈ 29.96 That would imply: 4,000 × 29.96 ≈ 120,000 USD per year by age 70. Even if the long-term average were meaningfully lower than 12%, we are still talking about something potentially in the 60k to 100k range versus 8.7k for a brand-new 70-year-old. That level of divergence is what I find hard to reconcile. My broker forwarded me a response saying pricing does not work as simple compounding and that not every year will have an increase. But in real life, has anyone here actually had a 0% renewal year with April? I personally have not seen one below roughly 12%, and this year was over 30%. Also, is it unreasonable to ask the insurer to provide the current year’s full premium table across all age bands for this plan? The online quote tool clearly shows new-business pricing by age, but those figures do not appear aligned with what a long-term member would reach if increases remain in the double digits. For context, my broker raised these questions with April about a month ago and we have received no answer at all, while my renewal deadline is approaching.

Please let me know what they say. Then it would be easier to compare the pricing to current plans and see where it is at.

Are you sure the new plans are cheaper? Because I am paying 4k at 40 yo, seems quite high. I am zone 1, so excluding USA etc which easily doubles premiums or more. The same thing is true for outpatient which I also don't have. No deductible at comfort plan. So what you are paying at your age seems very good to me. But of course if in 10 years, if it become 50k then it's not possible to afford that. So maybe they rely on this so that people at very old age will have to stop using it.

That's strange then because I thought you have zones, that cover countries in the same zone. Never heard of Thailand only coverage. It shows like this: MyHealth International (Long-Term/Expat) Zones Zone 0: USA, Bahamas, Puerto Rico + all lower zones. Zone 1: China, Hong Kong, Japan, Singapore + zones 2, 3, 4, 5. Zone 2: Brazil, Chile, Mexico, Switzerland, UK, UAE, Thailand + zones 3, 4, 5. Zone 3: Most of Europe, Australia, Canada, South Africa + zones 4, 5. Zone 4: Belgium, France (including overseas depts), Monaco + zone 5. Zone 5: Rest of the world (countries not listed in 0-4).

Only Thailand but no other country? Are you sure it's the international plan? Because it's supposed to cover other countries like Philippines that are in the same zone as Thailand. If it's only Thailand, I wonder if it's the local Thai based April which is different from April France.

Is it emergency only plan or higher ones like comfort etc? I assume it's the former. Also which zones? I assume zones including Thailand but not beyond right? Otherwise 9K usd at 74 is not that bad if it's higher tiers.

This is useful. So with this kind of increases, it will be unsustainable very quickly. If you use average % of your premiums, then the premium increases like this: 2× in about 4.31 years 3× in about 6.83 years 5× in about 10.00 years 10× in about 14.31 years

41 Is it a new band? Mine is only inpatient. But before I checked the average increase was about 15%. 4 years ago I started at 2K USD and not it's 4K. I know one can reduce zones, drop to a lower tier plan, add deductibles but even then how much cheaper can it be. I doubt they will ask less than 20K at age 70 at this rate? If it keeps increasing like at 15%, then the premiums become astronomical. Am I missing something?

For those who have received their health insurance premium for this year, whether already paid or upcoming, how much did it increase compared to last year in percentage terms? Provider and plan would be helpful. I am with April International (France), Comfort plan, and my next annual premium shows a bit over a 30% increase. I am trying to understand whether this level of increase is broadly expected this year or unusually high, as increases at this rate would become unreasonable very quickly. Thanks for sharing your experience.