Requiring Medical Insurance

[gavlar]

Hi all, I am now living pretty much full time in Thailand now, up near Udon Thani.

I need to sort out medical insurance by mid November.

I realise that insurance requirement is specific to the individual and a plethora of suppliers/options are available.

I have a few emails sent to various companies for quotes but would be extremely grateful for any advice/pointers/ recommendations from members.

I am 62 , no preconditions.

 

[Sheryl]

You should go through a Broker. Not only will a good broker help you review options, and provide feedback on how reliable different insurers are, they will help afterwards with claims.

 

I recommend (and use) AA Brokers. Expat staff, specialisze in expat health insurance.

 

www.aainsure.net

 

And I also strongly recommend against a Thai-issued policy. See this thread for discussion of why  https://aseannow.com/topic/1233808-insurance/

 

 

Get an internationally issued expat policy.

 

Other important considerations:  direct billing arrangement with a large number of Thai hospitals, guaranteed lifetime renewal

[scubascuba3]

Check premiums at 62, 70, 80 just so you know what to expect

[Chivas]

24 minutes ago, Sheryl said:

You should go through a Broker. Not only will a good broker help you review options, and provide feedback on how reliable different insurers are, they will help afterwards with claims.

 

I recommend (and use) AA Brokers. Expat staff, specialisze in expat health insurance.

 

www.aainsure.net

 

And I also strongly recommend against a Thai-issued policy. See this thread for discussion of why  https://aseannow.com/topic/1233808-insurance/

 

 

Get an internationally issued expat policy.

 

Other important considerations:  direct billing arrangement with a large number of Thai hospitals, guaranteed lifetime renewal

Am afraid whilst the sentiment is good on paper brokers (the world over) will always push the Insurers who pay the highest commissions... I should know having spent 7 years in the industry

 

Sometimes they happened to coincide with the best policy anyway but it was rare

 

 

Edited October 13, 2021 by Chivas

[Sheryl]

5 hours ago, Chivas said:

Am afraid whilst the sentiment is good on paper brokers (the world over) will always push the Insurers who pay the highest commissions... I should know having spent 7 years in the industry

 

Sometimes they happened to coincide with the best policy anyway but it was rare

 

 

I did not encounter any such pressure with AA, at all. Just information provided and up to me to select from widen range.

[scubascuba3]

36 minutes ago, Sheryl said:

I did not encounter any such pressure with AA, at all. Just information provided and up to me to select from widen range.

Same here, they only provided a summary of premiums, deductables and cover, i would have preferred a bit more of recommending one over another and why, but zilch

Edited October 13, 2021 by scubascuba3

[jackdd]

Have a look at this recent topic:

 

[gavlar]

On 10/13/2021 at 11:20 AM, Sheryl said:

You should go through a Broker. Not only will a good broker help you review options, and provide feedback on how reliable different insurers are, they will help afterwards with claims.

 

I recommend (and use) AA Brokers. Expat staff, specialisze in expat health insurance.

 

www.aainsure.net

 

And I also strongly recommend against a Thai-issued policy. See this thread for discussion of why  https://aseannow.com/topic/1233808-insurance/

 

 

Get an internationally issued expat policy.

 

Other important considerations:  direct billing arrangement with a large number of Thai hospitals, guaranteed lifetime renewal

Many thanks Sheryl...a fountain of knowledge. 

[brewsterbudgen]

WRLife are worth a look. They guarantee not to increase your Premiums with age, as long as there are no claims.

[KannikaP]

10 minutes ago, brewsterbudgen said:

WRLife are worth a look. They guarantee not to increase your Premiums with age, as long as there are no claims.

A total scam. You pay a Premium to pay out up to a certain level. But as soon as you claim they double that Premium. 

[zzaa09]

1 minute ago, KannikaP said:

A total scam. You pay a Premium to pay out up to a certain level. But as soon as you claim they double that Premium. 

The accepted nature of Insurance Mafias, generally speaking. 

Because we allow them to practice in such a corrupt and unethical manner. 

 

Live one's protest? 

[scubascuba3]

14 minutes ago, brewsterbudgen said:

WRLife are worth a look. They guarantee not to increase your Premiums with age, as long as there are no claims.

400k-800k cover, that is very very low, premiums are relatively high for the cover. They talked a good game on their website

[WhiteBuffaloATM]

Eric Dohlon: Recommended Insurance Broker. Swedish / Thai National. Writes Insurance Articles.

Google his name for all contact media.