Travel Insurance to Thailand - how much to insure for?

[bbi1]

Overall Maximum Limit choices are for $100k, $250k, $500k, $1mil and $2mil. What would be a sufficient amount coverage for someone 40 years old who's quite healthy looking for 8 months of coverage? I'm thinking the $1mil and $2mil options might be a bit much?

 

"The overall maximum limit is the maximum amount that your policy will pay towards eligible expenses incurred per coverage period, except for certain benefits that are not subject to the overall maximum limit as stated in the policy" 

[oxo1947]

 

bbi1  where are you from ?

because there are certain deals if your from Oz or some other countries that give it to you a lot cheaper 

[bbi1]

15 minutes ago, oxo1947 said:

 

bbi1  where are you from ?

because there are certain deals if your from Oz or some other countries that give it to you a lot cheaper 

Yep, I'm from Australia.

 

WorldTrips.com Atlas travel insurance for 8 months for a 40 year old with:

 

$1mil coverage and $250 deductible - US$622 premium

$500k coverage and $250 deductible - US$583 premium

$250k coverage and $250 deductible - US$515 premium

$100k coverage and $250 deductible - US$490 premium

 

$1mil coverage and $100 deductible - US$719 premium

$500k coverage and $100 deductible - US$668 premium

$250k coverage and $100 deductible - US$597 premium

$100k coverage and $100 deductible - US$544 premium

 

$1mil coverage and Nil deductible - US$801 premium

$500k coverage and Nil deductible - US$748 premium

$250k coverage and Nil deductible - US$668 premium

$100k coverage and Nil deductible - US$612 premium

Edited October 27 by bbi1

[Gsxrnz]

For AUD1367 you can get unlimited coverage with World Nomads, or AUD1031 for 5M. And their policy wording is better than most. I've made several claims, one circa 350,000B, and had no problems.

[oxo1947]

Sorry bbil.... watching football...... yer when ask questions its better give info  to age etc...with AMH I put you down for  7 months travel age 50..... must have medicare card  $A760.....age 30 $A640... the medicare card gives them an out if you have a really long term accident / Sickness--they just fly you home let the system take care of you .

 

I guess you know Thailand--- 3 things you must have if you want them to pay out on bike ride accident.

1-Helmet

2 . License   (international will Do)

3 Sober

 

https://ahm.com.au/travel-insurance 

 

 

 

You can do an Excess payment---which brings it down a lot.....

 

 

 

Edited October 27 by oxo1947

[scubascuba3]

3 hours ago, bbi1 said:

Yep, I'm from Australia.

 

WorldTrips.com Atlas travel insurance for 8 months for a 40 year old with:

 

$1mil coverage and $250 deductible - US$622 premium

$500k coverage and $250 deductible - US$583 premium

$250k coverage and $250 deductible - US$515 premium

$100k coverage and $250 deductible - US$490 premium

 

$1mil coverage and $100 deductible - US$719 premium

$500k coverage and $100 deductible - US$668 premium

$250k coverage and $100 deductible - US$597 premium

$100k coverage and $100 deductible - US$544 premium

 

$1mil coverage and Nil deductible - US$801 premium

$500k coverage and Nil deductible - US$748 premium

$250k coverage and Nil deductible - US$668 premium

$100k coverage and Nil deductible - US$612 premium

Get the $1m cover, ensure repatriation is included, usually is

[Sheryl]

Since the limit is per coverage period not per event, and sounds like you will be here many months, I would say not less than US$250,000.