New 'Expat Care' Policy in Thailand Covers Pre-Existing Health Conditions

[mania]

Saw this YouTube today 

A Pacific Cross Policy in Thailand

Still sounds a bit iffy but may have possibilities for some.

Also link provided is description to apply shows costs & they were not bad in my case 

 

 

[ujayujay]

Don't worry, in the end you'll get ripped off anyway

[digger70]

33 minutes ago, ujayujay said:

Don't worry, in the end you'll get ripped off anyway

Yes , Insurance companies are in business to Make Money .

Definitely not to Help the so called Insured .

[KannikaP]

5 hours ago, mania said:

Saw this YouTube today 

A Pacific Cross Policy in Thailand

Still sounds a bit iffy but may have possibilities for some.

Also link provided is description to apply shows costs & they were not bad in my case 

 

 

High Blood Pressure, Enlarged Prostate. Covered?

[timendres]

47 minutes ago, digger70 said:

Yes , Insurance companies are in business to Make Money .

 

True.

 

47 minutes ago, digger70 said:

Definitely not to Help the so called Insured .

 

Not true.

Insurance companies live and die by actuarial tables.

They pay out what works within that context.

For healthy people, it is sunk money.

For those who make claims, it is a godsend.

That is the nature of insurance.

[J Branche]

Just make sure you read the claims section.  Specifically Page 5 Section 14 "The company shall pay the benefits or general rate service charge, necessary and reasonable expenses within 15 days from the date the Company receives the complete and correct documented evidence to the Covered person.   The Hospital is going to want payment in full before you leave.  You have an emergency and the bill is 200,000 + baht. You will be expected to pay the total in full and wait until the Insurance makes a decision on your claim.  Don't know about you but if I'm loaning the insurance company that much money I want 15% interest until claim is paid.

[ThaiPauly]

I spoke to the guy in the video. I thought it would be good for me , sure I could pay for 2 years without making a claim....he asked me about my PEC's and said realistically I only had about a 5% chance of being approved.

 

So that's that then

[bubblegum]

Its total BS because they won't accept you! Tried it twice and where other had no problem at all or did in fact stated that certain things would be on a maturing base, PC never accepted me.

[Liverpool Lou]

On 8/8/2024 at 3:16 PM, digger70 said:

Yes , Insurance companies are in business to Make Money .

Definitely not to Help the so called Insured .

Nonsense.  If their policies don't help the insured they'd never make any money...and they make a lot.

[Liverpool Lou]

On 8/8/2024 at 3:28 PM, KannikaP said:

High Blood Pressure, Enlarged Prostate. Covered?

You'll only ever know if you ask them. 

[JeffersLos]

Do they give out statistical information on how many claims they have paid out on over the past 48 months? 

 

Or the number of claimants they've stiffed is a company secret that they laugh about at the Christmas party?