I have private home country insurance and used to get anything fixed on my home country visits.

I think I need to change this arrangement and insure for hospital/Medical in Thailand, before I turn 75 in December.

 

I have scrolled through many insurance threads here in TV but would like some recommendations.

 

It seems like many people use Pacific Cross and AA insurance brokers. Is this a recommended way to go?

I can afford around B10000 per month (less is better), and probably a B40000 deductible as I am fairly healthy and don't usually get sick.

Can anyone point me to a good broker and policy? Thank you.

 

 

 

I use AA brokers and have been very happy with them.

www.aainsure.net

 

Do you need this for an OA visa? Because if not I would suggest an international policy over a Thai company: more tightly regulated, cannot raise premiums based on claim history, lifetime renewal.

 

If you do need it for OA visa requiremernts then Pacific Cross..and act quickly as they do not issue new policies after age 75.

 

As far as I know the least expensive international expat policy will be Cigna. Cigna Silver plan  ( up to US $1 million in cover and worldwide except USA) would cost equivalent to  15K baht a month (with a US $750 deductible) and more if you take monthly or quarterly payments rather than annual (10% reduction for annual premium). There is an alternative and less costly  plan called Close Care with covers you in Thailand and your country of residence only, maximum per year US $500K and per illness $250k (enough I think) but I don't know the rates, you'd have to ask a broker as the Cigna website will only give quotes for Siler/Gold etc plans. But I do know Close Care is less expensive.

 

Pacific Cross will be less (but lower level of cover i.e. 5 million - do not consider less than their Maxima plan  - and I am not sure if they will guarantee lifetime cover or only to age 99. They will raise your rates on a claim basis which is a real concern as you could get priced out if you develop a chronic condition. (On the other hand there is an annual no claims bonus).

 

 

22 minutes ago, Sheryl said:

I use AA brokers and have been very happy with them.

www.aainsure.net

 

Do you need this for an OA visa? Because if not I would suggest an international policy over a Thai company: more tightly regulated, cannot raise premiums based on claim history, lifetime renewal.

 

If you do need it for OA visa requiremernts then Pacific Cross..and act quickly as they do not issue new policies after age 75.

 

As far as I know the least expensive international expat policy will be Cigna. Cigna Silver plan  ( up to US $1 million in cover and worldwide except USA) would cost equivalent to  15K baht a month (with a US $750 deductible) and more if you take monthly or quarterly payments rather than annual (10% reduction for annual premium). There is an alternative and less costly  plan called Close Care with covers you in Thailand and your country of residence only, maximum per year US $500K and per illness $250k (enough I think) but I don't know the rates, you'd have to ask a broker as the Cigna website will only give quotes for Siler/Gold etc plans. But I do know Close Care is less expensive.

 

Pacific Cross will be less (but lower level of cover i.e. 5 million - do not consider less than their Maxima plan  - and I am not sure if they will guarantee lifetime cover or only to age 99. They will raise your rates on a claim basis which is a real concern as you could get priced out if you develop a chronic condition. (On the other hand there is an annual no claims bonus).

 

 

Thanks Cheryl.

I'm on the B800000 in the bank Retirement Visa.

I will still have hospital/medical coverage in my home country as am on self-funded retirement and don't get a country pension. So I don't really need home country coverage, but I'll have a good look at what you suggest.

A while ago I saw a thread where you gave the name of your broker, but I can't find the reference now. Do you still have their name please?

10 minutes ago, carlyai said:

Thanks Cheryl.

I'm on the B800000 in the bank Retirement Visa.

I will still have hospital/medical coverage in my home country as am on self-funded retirement and don't get a country pension. So I don't really need home country coverage, but I'll have a good look at what you suggest.

A while ago I saw a thread where you gave the name of your broker, but I can't find the reference now. Do you still have their name please?

 

As per above post, AA Brokers. The specific person who handles my account is Jenny. [email protected]

She's great