How much do you pay for health insurance?

[chickenslegs]

3 hours ago, Ralf001 said:

I pay Bt.750 a month.

Good for you - no sarcasm.

I'm sure that many retirees would be willing/eager to pay double that price to join the Thai Universal Coverage or Social Security schemes, if they were available.

[mogandave]

2 hours ago, Lacessit said:

So your wife gets hounded by debt collectors until she pays up.

 

Brilliant thinking.

Pathetic attempt at baiting. Get back to your bar girl.

[Lacessit]

1 hour ago, still kicking said:

Yeah right

https://www.news.com.au/world/north-america/us-politics/deluded-themselves-republicans-fantasy-about-a-second-trump-term-brutally-shattered/news-story/a031dfaf4b7ee62c0045588be0e4c0c3

In about 6 months, more than Republicans will realize they have been conned.

[Lacessit]

3 minutes ago, mogandave said:

Pathetic attempt at baiting. Get back to your bar girl.

Take a long walk off a short pier.

[richard_smith237]

45 minutes ago, rudi49jr said:

X-ray, CT scan and exercise test with heart monitor and breathing gas analysis. 
 

There’s plenty of evidence now that long covid is real. In my country (The Netherlands) alone there are some 100,000 people with serious complaints. Some can do little else than just lie in bed.
It has been discovered this year (or last year?) that long covid has to do with the disruption in different ways of energy production on the cellular level, in the mitochondria. Exercising too hard or too much is actually counter productive, it can damage you for weeks or even months.
But there are many different levels of complaints. Like I said, some can do little else than just lie in bed. I could still function on a very basic level, although I had to stop working completely for a few months. 

 

Fair enough for genuine cases of illness, though I cam quite cynical of long covid.... 

 

Seems the only people I know who claim to have had it, are of a somewhat lazier persuasion... no offence to you, you seem quite genuine.

 

Have you looked in to NMN ??  (If you've not heard of it, give it a google).

[richard_smith237]

2 hours ago, brewsterbudgen said:

I'm 64 and pay £2,200 a year for myself, wife and 9-year-old son.  Cover $400,000.

 

No unreasonable - what type of cover & with whom ?...  

 

IPD only ???

 

 

---------

 

It seems those claiming very low premiums are also very low on info.

[richard_smith237]

26 minutes ago, chickenslegs said:

4 hours ago, Ralf001 said:

I pay Bt.750 a month.

Good for you - no sarcasm.

I'm sure that many retirees would be willing/eager to pay double that price to join the Thai Universal Coverage or Social Security schemes, if they were available.

 

Indeed.. but look how reluctant he was to give up such basic information...   why is that ?

[scubascuba3]

9 hours ago, richard_smith237 said:

 

This I agree with...   Getting medical care is now expensive. 

 

It would be great if 'long termers' here could get on the Thai system in much the same way our Thai family can in our home countries such as the UK, where upon obtaining residency and paying a NHS surcharge they are 'in the system' and cover is free from there on in.

Eventually people will travel abroad to get certain ops done, will be cheaper than Thailand, India is a good cheap alternative, but no one wants to go there...yet

[brewsterbudgen]

9 hours ago, rudi49jr said:

Would be very interested to hear what company that’s with.

WRLife

[brewsterbudgen]

9 hours ago, richard_smith237 said:

 

No unreasonable - what type of cover & with whom ?...  

 

IPD only ???

 

 

---------

 

It seems those claiming very low premiums are also very low on info.

Yes, inpatient only.  Serenity Package with WRLife.

 

https://www.wrlife.org/

[JBChiangRai]

10 hours ago, rudi49jr said:

Would be very interested to hear what company that’s with.

 

Always check out insurers on trustpilot 

 

WrLife Reviews | Read Customer Service Reviews of www.wrlife.net

[Yellowtail]

I think with any cost-effective medical insurance, one need to understand the coverage, know the approved providers, and be prepared to pay for everything up front and submit for reimbursement.

[brewsterbudgen]

15 minutes ago, JBChiangRai said:

 

Always check out insurers on trustpilot 

 

WrLife Reviews | Read Customer Service Reviews of www.wrlife.net

 

I'm well aware they have their detractors on this Forum - check out the threads!  However, I've been with them for 3 years now and have no complaints.  To be honest, I take internet reviews, both positive and negative, with a pinch of salt.  My broker has many clients who use them and, thus far, nothing to make him recommend I switch.

[JBChiangRai]

3 minutes ago, brewsterbudgen said:

 

I'm well aware they have their detractors on this Forum - check out the threads!  However, I've been with them for 3 years now and have no complaints.  To be honest, I take internet reviews, both positive and negative, with a pinch of salt.  My broker has many clients who use them and, thus far, nothing to make him recommend I switch.

 

Is it possible he gets bigger commissions from them?

 

There seem to be some very unhappy customers on trustpilot, according to WrLife's CEO, they are all liars.

[brewsterbudgen]

12 minutes ago, JBChiangRai said:

 

Is it possible he gets bigger commissions from them?

 

There seem to be some very unhappy customers on trustpilot, according to WrLife's CEO, they are all liars.

Sure, it's possible.  As I said, I don't take internet reviews very seriously.  The OP just wanted to know how much people are paying. He can do his own due diligence.  

[Yellowtail]

12 minutes ago, JBChiangRai said:

 

Is it possible he gets bigger commissions from them?

 

There seem to be some very unhappy customers on trustpilot, according to WrLife's CEO, they are all liars.

A better question might be to ask how many claims he has submitted and how many have been rejected. 

 

[JBChiangRai]

2 minutes ago, Yellowtail said:

A better question might be to ask how many claims he has submitted and how many have been rejected. 

 

 

There are a few on Trustpilot who had their claims rejected. Unfortunately, it's not possible to contact them.

[Celsius]

My health insurance is my Canadian credit card with $50,000 limit.

 

When I use it I will make sure not to pay it back.

 

Simples.

[Yellowtail]

8 minutes ago, JBChiangRai said:

 

There are a few on Trustpilot who had their claims rejected. Unfortunately, it's not possible to contact them.

To be clear, I know nothing of this company, but I would bet that virtually everyone given negative reviews of an insurance company have had a claim rejected. Further, I can't imagine going out of my way to review an insurance company I was happy with. 

 

Best case scenario with medical insurance, is that you pay premiums for fifty years and never need it. 

 

 

[Yellowtail]

Here is a review:

[Yellowtail]

Note that the review above was for Cigna, an insurance company I had for about fifteen years that was an absolute delight to work with. 

 

It covered my whole family, and I filed hundreds of claims over the years. A few had to be resubmitted for clarification, but I was ultimately, every claim was reimbursed. 

 

 

[richard_smith237]

1 hour ago, brewsterbudgen said:

I'm well aware they have their detractors on this Forum - check out the threads!  However, I've been with them for 3 years now and have no complaints.  To be honest, I take internet reviews, both positive and negative, with a pinch of salt.  My broker has many clients who use them and, thus far, nothing to make him recommend I switch.

 

Have you made any large claims as yet ?

 

I had a claim rejected with April (Thailand) in the past.. They'd pre-authorised, I had an operation, they then refused and I was forced to pay.

Its not quite as black & white, but I thought their rejection was wrong - they went back through records and found a 'comment' noting the absense of a previous condition, within a 5 year moratorium and because that had been mentioned in medical notes, that fell within that 5 year cut off... its cost me 130,000 baht.

 

I immediately moved my family away from this insurer. That said, others speak highly of April. 

 

 

------

 

The issue I now have is 'pre-existing conditions'... particularly, Knees & ankles... anything happens with these and I'm sure a 'new insurance policy' will claim there is a 'pre-existing condition' - though I'm not sure how that works, is a broken leg considered a pre-existing condition if one breaks another leg later on ?  IMO, not...but I'm not sure if thats the same with a meniscus or previously snapped ligament or tendons...

 

 

 

 

Edited just now by richard_smith237