PSA: Tips for finding long-term Thai health insurance

20 hours ago, Sheryl said:

Yes. And OIC allows individually based increases based on claim history by as much as 25% a year ?(on top of age related jncreases). 

I wonder if it's purely market forces (customer dislike of individually-rated fee structure) that has caused AXA/April/Luma/Allianz/LMG to remain community-rated even though technically they could get away with charging individually-rated at any time, or some other factors?

Also I'm still very curious to hear people's experiences of which Thai companies "have a less than sterling reputation for paying out on claims and a tendency to decide something is a pre-existing condition after [policy start, for non-medically-valid reasons]."  It would be nice if there were some third-party keeping track of claim payment rates for many companies with a good sample size, but since there isn't we must rely on anecdotes.