Compare Low Cost Health plans for new Visa requirments

[AAInsuranceBrokers]

To help people compare please see the attached for the low cost options suitable for the new Government regulations

 

www.aainsure.net

 

AA Insurance Broker Visa Plans.xlsx

[baansgr]

Low cost equals low cover.....I dont see anything low cost about having to pay premiums of roughly 15% of the coverage but thanks for posting anyway

[NanLaew]

^ Maybe it doesn't fit your criteria but a helpful post if someone else needs a reference point or can't expect much better due to age and income.

[Henryford]

If it's madated for a visa we will have to pay it. Pacific Cross the best @ 40,000 a year.

[marcusarelus]

Does the OP know who has to buy insurance?  Is it all people getting a retirement extension in Thailand or only those getting a new O-A visa in their home countries?  If the OP does not know how can he sell insurance for a condition he does not understand? 

[marcusarelus]

Can you buy the policies in America and Australia or do you have to be in Thailand? 

[NanLaew]

3 hours ago, marcusarelus said:

Does the OP know who has to buy insurance?  Is it all people getting a retirement extension in Thailand or only those getting a new O-A visa in their home countries?  If the OP does not know how can he sell insurance for a condition he does not understand? 

With the thread titled:

 

Compare Low Cost Health plans for new Visa requirements

I think the OP knows exactly what he's talking about.

 

PS: The title and text does not mention extensions.

[topt]

9 hours ago, AAInsuranceBrokers said:

low cost options

Are there any plans at all which would meet the cover for the 40k out-patient clause only - IE where one already has significantly higher in-patient cover then what is being suggested as they would not want to pay again or reduce their total cover?

 

Adding OP to an existing international policy is usually too prohibitive in cost terms.

[marcusarelus]

37 minutes ago, NanLaew said:

With the thread titled:

 

Compare Low Cost Health plans for new Visa requirements

I think the OP knows exactly what he's talking about.

 

PS: The title and text does not mention extensions.

The guy has been a member selling insurance since 2012.  Surely he'd know if it applies to O-A Visa's only or extensions as I suspect it does.  

[longball53098]

Just turned 74. The list the OP posts has 2 companies that I could qualify to get a policy. And what about pre-existing conditions as a qualifier?

[marcusarelus]

Pacific cross says "The insured has the ability to continuously renew the policy up to age 99 years, premium and coverage may be adjusted following the claim experience, health condition, increasing age."

 

Platinum I premium first year, 70,190 baht

If I submit a claim for 200,000 baht at 75 years of age how much will my premium go up the next year?

[JTXR]

I can't find a table on the Pacific Cross website with premiums (standard and Premium plans).  Does anyone know where I can access such a table?  Thanks.

[JTXR]

OP:  I never download files from people I don't know.  Can you post here an image of the table in the spreadsheet you attached?  Thanks.

[marcusarelus]

3 minutes ago, JTXR said:

I can't find a table on the Pacific Cross website with premiums (standard and Premium plans).  Does anyone know where I can access such a table?  Thanks.

https://www.pacificcrosshealth.com/en/health-insurance/longstay-visa/

[JTXR]

Thanks for the link to the Pacific Cross long-stay visa premiums table.  For folks over 60, the premiums are well over 10% of the maximum annual coverage benefits.  For folks over 70, it's almost 20%.  Compared to just keeping 400K in a bank account year-round in case it's needed, that's just throwing money away. 

 

It certainly didn't take Pacific Cross long to come up with that, did it?  I reckon the other insurance companies will design similar 40K outpatient / 400K inpatient plans along more or less the same pay structure now that government will dictate the market. 

 

If I were required to keep 400K in a health savings account, at least I'd know it was there in case I had a health emergency, including for preexisting conditions.  Requiring someone to pay 50-70K per year in premiums for insurance that may or may not ever pay out is nothing less than extortionate.

[DaRoadrunner]

The cover might easily be exceeded if you get treated at Bumrungrad.... extortionate fees!

[topt]

On 5/15/2019 at 9:45 PM, topt said:

Are there any plans at all which would meet the cover for the 40k out-patient clause only - IE where one already has significantly higher in-patient cover then what is being suggested as they would not want to pay again or reduce their total cover?

@AAInsuranceBrokers bumping my post #8 as would appreciate a reply even if the answer is no.......

[marcusarelus]

4 hours ago, topt said:

@AAInsuranceBrokers bumping my post #8 as would appreciate a reply even if the answer is no.......

I don't think you will get many answers.  It is a good question though.  I have A1A but no 40k outpatient which is of course a silly requirement.  I've been told someone with a little sense will drop that requirement but I doubt if we will get a comment here. 

[stament]

On 5/17/2019 at 12:07 AM, DaRoadrunner said:

The cover might easily be exceeded if you get treated at Bumrungrad.... extortionate fees!

Or Bangkok hospital!

[madmen]

Are all you guys on retirement extensions ? if so these policies don't concern you