US Expat looking for a good health insurance plan + life insurance

[Rican0722]

I've heard of health insurance for thai's that cover inpatient treatment, hospitalization, clinic visits and get compensation back while being admitted to a hospital. Don't know if there is such health insurance for expats or not but if anyone has any health insurance/life insurance recommendations, I would truly appreciate your input.

 

Two months ago ended up with the Denge Fever and Thai Fus at the same time being hospitalized for a week and while expenses were not ridiculously expensive compared to US I still had to shell out of pocket so needless to say I think a health insurance would be a good investment in my view. My US health insurance would not cover me in Thailand.

[stevenl]

This is not a new question here. Did you search this subforum for similar questions?

[kamalabob2]

I am from the USA. I had Kaiser HMO for many years and paid monthly. Always had to pay for Doctor's visits. I've had full cover in patient | accident health insurance in Thailand since 2005. All bought through a bi-lingual independent insurance broker based in Phuket who is a dual citizen. Eric Dohlon. I've paid first for two years of Thai Health Insurance, (not life insurance). Then in 2007, the BUPA Platinum 2 million baht policy gave me better coverage for my annual premium. Recently BUPA Thailand was bought by AETNA.  Same staff in Bangkok. Same coverage, same hospitals in the direct pay system. I am 65 years old in this policy period. It is worth it to me and my family that I can go to the best hospitals and never worry about the bill.  To me the 241 baht a day expense is prudent. You have no idea of how many expats I have met who end up in an open ward of a Government Hospital due to their lack of in patient health cover in Thailand. More than one pick up truck has been put on Baht and Sold to pay a hospital bill of an expat who did not have the opportunity to buy health insurance from a licensed independent insurance broker in Thailand. If I do not have a claim I have received 10% of the premium back six months later in a direct bank transfer.  However I have had a few operations at major Thailand hospitals and see the real value of health insurance. The policy is real, in English.  I've attached a copy of the renewal notice. They give you two months advance notice to make payment arrangements. My Homepro Visa card or even a USA credit card, let alone a domestic bank transfer can make paying the annual health insurance premium insurance simple. My broker mails the insurance coverage information printed in Thai and English. The card is quite clear on coverage benefits in Thailand. Life insurance is a different subject, and not something I have bought in Thailand with USA term insurance being so affordable. 

The policy cover I buy is for 2 million baht per condition, not a cap of 2 million baht a year. 

Edited October 26, 2018 by kamalabob2

[expatfamily]

Health insurance and life insurance are both very different things.