Is One Million Baht Enough?

[simon43]

It seems this clause is only about palliative treatments.

That's correct. If all treatment has failed and you're 'on the way out', you can claim up to $20,000 to spend your last days getting drunk or having wild parties in Pattaya :)

This policy seems good value for money. It's a UK policy, so the annual premiums will not increase if you make a claim, (other than age-band increases). Your annual renewal will not be refused if you've made a claim. You can continue this policy with no upper age limit.

This is my second year with HCI. I haven't made any claim (and hope not too do so).

Their Emergency Plus policy does have a $2,000 excess. That's probably why the premiums are competitive. It's a policy for serious accident or illness.

[xylophone]

40 minutes ago, simon43 said:

 

 

That's correct. If all treatment has failed and you're 'on the way out', you can claim up to $20,000 to spend your last days getting drunk or having wild parties in Pattaya :)

This policy seems good value for money. It's a UK policy, so the annual premiums will not increase if you make a claim, (other than age-band increases). Your annual renewal will not be refused if you've made a claim. You can continue this policy with no upper age limit.

This is my second year with HCI. I haven't made any claim (and hope not too do so).

Their Emergency Plus policy does have a $2,000 excess. That's probably why the premiums are competitive. It's a policy for serious accident or illness.

 

Looked on the net for some reviews and they don't look very good at all!!

[simon43]

Looked on the net for some reviews and they don't look very good at all!!

Believe me, I checked very carefully into HCI before I took out the policy a year ago. I found both glowing reviews and bad reviews.

Some of the bad reviews were from those who went for treatment outside the hospital network (such as Bumrungrad). Others had pre-existing conditions and so there were disputes over whether a claim was valid, or whether it was due to a pre-existing condition.