Hi Guys

 

Sorry if this has been covered before but am about to renew my annual health insurance.

Am currently with Pacific Cross but am sure I can do better / cheaper.

Any recommendations please?

I am 58 and my wife is 50 and both healthy

From the UK if that makes any difference.

Appreciate any recommendations

Cheers

I also have PC, they look the cheapest.

I am changing now from their basic plan to maxima plan 5mln, which does cover covid travel.

I opt for 300k deductible and accident 1mln.

If no claim they give discounts 

There are big downsides to thai insurance companies like Pacific Cross, such as premiums can go up 25% when you claim, also once claimed a condition can be excluded, check the small print, better still get them to confirm in back and white

At your ages there are many optipns. I advise against a Thai issued policy as they can and will, among other things, raise rates based on claims history. There are many excellent international expat policies which come under EU, UK or Australian insurance law and provide much better protection.

 

You should also always get policy through a broker, this becomes important if there are any claims issurs later. In addition broker eill help you identify available policies and orovide comoarative information to help yoy choose.

 

I use, and recommend, AA brokets

 

www.aainsure.net

 

Eric Dohlon. Thai Swedish Insurance Broker.

Typically he’ll get you 5-6 quotes, foreign / thai companies, discuss relative benefits and Recommend.