Anyone have any experience with an insurance company...WrLife?

[bkk6060]

8 minutes ago, jerrymahoney said:

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history.

 

Then they put in a claim in short order after beginning coverage.

 

 

I agree, and this happens with other companies.  So,  who is trying to pull a scam; The insurance company or the insured?  

[Celsius]

28 minutes ago, jerrymahoney said:

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history.

 

Then they put in a claim in short order after beginning coverage.

 

 

 

While it is fine to read the bad reviews online one should be aware that most people only do a review when they are unhappy. However, some of the replies by this insurance company sound very unprofessional....

"Hi Warren,
Sorry to hear that. But, are you an actual customer of our company? OR are you just venting against insurance companies?"

 

I mean, wtf is this?

[scubascuba3]

1 hour ago, jerrymahoney said:

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history.

 

Then they put in a claim in short order after beginning coverage.

 

 

One of the problems with falang based insurance, if you want to sue them where do you fly to?

 

At least with the very average thai health insurance you can sue them as my lawyer friend tells me

[Etaoin Shrdlu]

16 minutes ago, scubascuba3 said:

If taking court action, where would that be? England?

My guess is that it would, since that's the place of incorporation and where the company's assets presumably are. 

 

 

[jerrymahoney]

The Association of British Insurers is the voice of the UK’s world-leading insurance and long-term savings industry.

 

Making a complaint
If you're unhappy about the way your claim has been handled or the way your insurer has treated you, you have the right to complain. 

 

If you are unhappy with your insurer's response to your formal complaint, or if they do not respond within eight weeks, you can take your complaint to the Financial Ombudsman Services (FOS). The FOS is an independent body which aims to settle complaints between consumers and businesses providing financial services.

 

The FOS can only award a maximum of £150,000 and 
will only represent individuals – it will not represent 
companies.

 

https://www.abi.org.uk/data-and-resources/tools-and-resources/making-a-complaint

[scubascuba3]

3 minutes ago, jerrymahoney said:

The Association of British Insurers is the voice of the UK’s world-leading insurance and long-term savings industry.

 

Making a complaint
If you're unhappy about the way your claim has been handled or the way your insurer has treated you, you have the right to complain. 

 

If you are unhappy with your insurer's response to your formal complaint, or if they do not respond within eight weeks, you can take your complaint to the Financial Ombudsman Services (FOS). The FOS is an independent body which aims to settle complaints between consumers and businesses providing financial services.

 

The FOS can only award a maximum of £150,000 and 
will only represent individuals – it will not represent 
companies.

 

https://www.abi.org.uk/data-and-resources/tools-and-resources/making-a-complaint

wrlife falls within that? and any court case?

[jerrymahoney]

3 minutes ago, scubascuba3 said:

wrlife falls within that? and any court case?

My DEC 2022 American Express billing was to WRLIFE LONDON GB

 

And if you have a claim in excess of 150,000 pounds, good luck to you.

[scubascuba3]

1 hour ago, jerrymahoney said:

My DEC 2022 American Express billing was to WRLIFE LONDON GB

 

And if you have a claim in excess of 150,000 pounds, good luck to you.

not sure that falls under uk regulator, something for you to find out as they insure you

[jerrymahoney]

 

53 minutes ago, scubascuba3 said:

not sure that falls under uk regulator, something for you to find out as they insure you

Something for me to find out if I ever need to file a complaint or sue them in Court.

[scubascuba3]

48 minutes ago, jerrymahoney said:

 

Something for me to find out if I ever need to file a complaint or sue them in Court.

what court?

[jerrymahoney]

15 minutes ago, scubascuba3 said:

what court?

I'll find out if needs be -- which, at least for now, I will say is highly unlikely.

[Patanawet]

On 9/29/2023 at 1:02 PM, brewsterbudgen said:

Yes, WRLife are good value!  They also 'guarantee' not to increase premiums with age.

Yes, but do they pay out with no quibbles?

 

 

 

 

 

[jerrymahoney]

 

On 11/9/2023 at 6:41 PM, Patanawet said:

Yes, but do they pay out with no quibbles?

Presuming the above was your question and just a formatting error, you might look at this recent post:

 

https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/?do=findComment&comment=18485195

 

...  and not one comment from the Boo-Birds.

 

[paddypower]

On 5/31/2022 at 8:38 AM, JohnOFphon said:

Also know as SBC insurance here. 

WrLife is a UK company offering a Local and international plan.

From 20,000 USD and up.

No life insurance offered for my age. 

Rates seem reasonable. 1220 USD per year. Inpatient. 

I hate phone calls, so I will see what you people have to say,,,if anything,.. before investigating further.

Thanks.

careful, NOT connected to SCB.

[OJAS]

On 9/30/2023 at 8:54 AM, scubascuba3 said:

At least with the very average thai health insurance you can sue them as my lawyer friend tells me

 

Good luck with that, given the light-touch regulatory regime under which Thai insurers are allowed to operate in the Land Of Smiles!

[Liverpool Lou]

1 hour ago, traveldan said:

On 5/31/2022 at 9:40 AM, Liverpool Lou said:

There is a well-reputed health insurance company, William Russell, if the "Wr" indicates a connection you will have no problems with that company.

WrLife is not related to William Russell. 

Thanks for the results of your tardy investigation of which I was aware more than two years ago.

[scubascuba3]

1 hour ago, OJAS said:

 

Good luck with that, given the light-touch regulatory regime under which Thai insurers are allowed to operate in the Land Of Smiles!

That's why taking legal action will be better than the regulator 

[traveldan]

9 hours ago, Liverpool Lou said:

Thanks for the results of your tardy investigation of which I was aware more than two years ago.

 

Quote

On 5/31/2022 at 9:40 AM, Liverpool Lou said:

There is a well-reputed health insurance company, William Russell, if the "Wr" indicates a connection you will have no problems with that company.

Glad to provide factual clarification of your previous potentially misleading statement,

which is worth repeating: 
There is no connection between WrLife and William Russell.
🙂
If possible, please review your past comments for potentially misleading statements and correct them. 
Future readers will appreciate it.
Thank you.

[paddypower]

20 hours ago, scubascuba3 said:

That's why taking legal action will be better than the regulator 

3 rules of life: 1. there will be taxes, always; 2. the only person who wins in court (especially a Thai court) is the lawyer; 3. the business model of insurance companies is to collect premiums. The  honest ones are good. the dishonest ones are there to avoid paying out claims. ....almost forgot there is #4. '' goodbye darling, I will wait for you ''