Medical Insurance for Expats

[vinci]

I'm looking for an medical insurance that cover minor surgical in Thailand, any recommendation 

[metisdead]

Moving to the Insurance forum for answers. 

[internationalism]

the pacific cross.

But pre-existing contidions are excluded

[3NUMBAS]

pay attention to the get      out clauses    !!

[scubascuba3]

minor surgery? you mean like OPD cover? they all cover that, about 20% saving if excluded

[rwill]

If you need surgery for an existing problem they will exclude it anyway.

[DUNROAMIN]

Maybe some more info would help. 

Age

Cost limit

Coverage

Etc.

[jerrymahoney]

21 minutes ago, rwill said:

If you need surgery for an existing problem they will exclude it anyway.

Yes -- if you are looking for insurance to cover surgery that you already know you will need, some on here will refer to that as 'self-insurance'.

[vinci]

age 49, need something that will cover 300-500k baht surgery, not a pre-existing condition, haven't been to a hospital or doctor for the last 20year, file is pretty clean

[scubascuba3]

3 hours ago, vinci said:

age 49, need something that will cover 300-500k baht surgery, not a pre-existing condition, haven't been to a hospital or doctor for the last 20year, file is pretty clean

ah so you want to sign up for insurance then claim, think they'll be onto that pretty quickly and claim denied

[jerrymahoney]

Just by way of definition, many insurers will consider something pre-existing if a 'prudent' person SHOULD have sought a doctor or hospital for a known condition but did not.

[internationalism]

unless an accident or ilness caused by it, thai insurance would not likely cover you within the 1st year for anything major.

That 300-500k is rather a major operation.

At the governmental hospitals major one is around 150-200k.

If you are really healthy I would not get any insurance yet or some very basic around 500k (ask several agents for policy recommendations, which would indeed cover such large surgery). 

Do check-ups recommended for your age, even if you feel well. The general test at the governmental hospital is 2-5k. You can then request colonoscopy - that one is recommended from 45 every 10 years.