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Posted

The premiums for the over 70s are astronomic, then there are the exclusions and/or outright refusal of cover. Failure to disclose complete medical history will result in refusal to pay up and cancellation of the policy with no refund of premium. With some insurers a dormant or apparently cured condition a moratorium of months or years is applied to that condition and any related complications that may arise. Insurers will fight hard to argue an event is a related complication justifying non payment.

 

Shouting in to the wind and rain I know but as Thailand now proposes we are tax resident if here more than 179 days in their fiscal year (which is the calendar year here) it should offer access to its state healthcare system, I suggest with contributions on an annual means tested basis. This is how France approaches foreign resident retired/ not in work healthcare. The contributions I had to pay were not unreasonable, nothing if on a very low income. After the first year the system was straightforward, taking your income from your previous year's tax assessment.

 

However French state  healthcare  only covers in the region of 70%, 100% if life threatening, of the cost AND this is where it gets complicated there the state sets tariffs for medical " interventions", consultations etc but professionals, clinics and hospitals are not bound by these tariffs and can charge more, sometimes much more. Still overall it's an acceptable system for most.

So to say it would be an unreasonable burden on Thailand to include us is a very arguable point, especially if the starting point is that it is reasonable to treat us as taxable.

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Posted
1 hour ago, Sheryl said:

 

But there is a 5 year moratorium on anything else.

 

A significant problem IMO.

 

I now need an operation that will cost about about 550k baht. It does not qualify as an emergency, but I am in a lot of pain and will be in even more is I don't get it, and also might eventually develop an  emergency condition (and even suffer loss of function) if it is not dealt with proactively. What I need is not available through public hospitals, either.

 

If I had taken out this insurance less than 5 years ago, it would not cover me, and this would be quite a problem/cut a serious dent in my funds.

 

I had no way of predicting this 4-5 years back, either.

 

So one is taking a chance getting a policy with such a long Moratorium. Maybe it won't matter, but maybe it will.

 

 

 

 

If you got preconditions which will cause an operation you'll probably have to pay by yourself, unless it is life threatening.

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Posted (edited)
On 5/29/2024 at 11:09 AM, Ben Zioner said:

I was talking about about keeping the cover from your employer once you retire.

 

I think this is available to most US civil servants, many large corporation and the UN. I belong to the last group. The way is works is quite simple: the underwriter assesses the whole group of employees and retirees instead of assessing individuals. The premium (millions) is paid by the organisation and fully or  partly recovered from the employees and retirees.

 

This is not uncommon at all. Then of course the question is wether this cover works in Thailand. In my case, being from a UN organisation, obviously the cover had to be international. And very honestly, if that hadn't been the case I wouldn't have retired here. As you get older having to face massive medical expenses isn't a possibility anymore, it becomes a damn certainty.

 The OP clearly stated thar as an employee of NHS, his coverage was terminated when he retired.  Keeping it was not an option.

Edited by dddave
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Posted
1 hour ago, dddave said:

 The OP clearly stated thar as an employee of NHS, his coverage was terminated when he retired.  Keeping it was not an option.

It is not that he was an NHS employee. All UK citizens are covered by the NHS which is s national healy system not an Empl9yer plan. But it does not cover health care costs abroad.

 

The sort of cover that @Ben Zioner has is unavailable to majority of people.  Including the OP. 

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Posted
22 minutes ago, Sheryl said:

It is not that he was an NHS employee. All UK citizens are covered by the NHS which is s national healy system not an Empl9yer plan. But it does not cover health care costs abroad.

 

The sort of cover that @Ben Zioner has is unavailable to majority of people.  Including the OP. 

How about ex US civil servants or Army?

Posted
3 hours ago, Ben Zioner said:

How about ex US civil servants or Army?

The best healthcare plan in the United States is the plan that the US Congress voted for itself: 100% lifetime coverage for all currant and former members of Congress and their immediate families with no exclusions. They are also allowed access to any US government Hospital on demand.

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Posted
On 5/29/2024 at 5:35 AM, Ben Zioner said:

That's not correct I pay the same as a 25 years old joining the organisation today.  

Would you let us know which insurer extends such generous offers to old folks ? 

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Posted
2 hours ago, Letseng said:

Would you let us know which insurer extends such generous offers to old folks ? 

UN ASHI (After Service Health Insurance). Outsourced to Cigna.

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Posted
14 hours ago, dddave said:

The best healthcare plan in the United States is the plan that the US Congress voted for itself: 100% lifetime coverage for all currant and former members of Congress and their immediate families with no exclusions. They are also allowed access to any US government Hospital on demand.

Not sure what you mean by "US government hospitals"?  The US does not have a system of these.

 

A few  cities and counties have public hospitals, and there are federally run military and veteran hospitals. That's about it. Overwhelming majority of hospitals in US are privately owned and operated. 

 

AFAIK the health plans for US government officials let them use any hospital. 

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Posted
18 hours ago, Ben Zioner said:

How about ex US civil servants or Army?

Every state has different systems and the federal government yet another. There is no single unified government plan.

 

Typically government employees have a choice of several group plans, all of them contracted with private insurers.   These plans vary in whether they will cover someone living abroad.

 

The situation for ex-military is complex  depending on how long they served, whether in war zone or not and other factors. Only some ex-military have coverage abroad. 

Posted
40 minutes ago, Doctor Tom said:

a year?  That would financial idiocy  

3,150 GBP per annum for over 70 years of age is miraculous. Plans I've looked at for myself are more than twice that and I'm under 70. 

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Posted
1 hour ago, The Fugitive said:

3,150 GBP per annum for over 70 years of age is miraculous. Plans I've looked at for myself are more than twice that and I'm under 70. 

Okay, but there must be quite serious restrictions and exclusions for that premium 

Posted
1 hour ago, The Fugitive said:

3,150 GBP per annum for over 70 years of age is miraculous. Plans I've looked at for myself are more than twice that and I'm under 70. 

Get a quotation from Wrlife and compare 🙏

Posted
16 minutes ago, newbee2022 said:

For non believers: get a quotation!

yes it's cheap relatively, do let us know if you make a large claim. Any pre-existing conditions?

Posted
1 hour ago, newbee2022 said:

Get a quotation from Wrlife and compare 🙏

 

This company still registered in the island of nevis in the caribbean?

 

Posted
39 minutes ago, scubascuba3 said:

yes it's cheap relatively, do let us know if you make a large claim. Any pre-existing conditions?

God sake I'm quite healthy. And my intention to have a claim some day is not very distinctive.

But I know from a friend with a hip replacement in Chiangmai RAM Hospital. It was fully paid.

The best is: go for a quotation, then ask for the papers and then decide.

Posted
1 hour ago, newbee2022 said:

For non believers: get a quotation!

You've probably done the due diligence already, who are wrlife regulated by? who underwrites their policies? in the event of needing to go to court, what country?

Posted
12 minutes ago, noobexpat said:

 

This company still registered in the island of nevis in the caribbean?

 

...and in Thailand, and in London, and in Belgium or France.

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