What should I look for when buying private insurance?

[global expat]

I'm in my early 30s and looking to purchase private health insurance. What are some key factors to consider when choosing a plan, and what would be a reasonable annual limit and coverage?
 

[Hummin]

1 minute ago, global expat said:

I'm in my early 30s and looking to purchase private health insurance. What are some key factors to consider when choosing a plan, and what would be a reasonable annual limit and coverage?
 

Will you have rights to Healthcare in you orign country? 

[Hummin]

And you need to consider what kind of activities you will get involved with

 

Diving 

Arial sports

Motorbike

 

Evacuation

Pre existing condition

 

Send an E-mail to an broker AA or simular. AA is great, speaks several languages. 

 

I went through it several years ago, and it a study by itself, and the last years I have been on Nomade travelling insurance, since I got adress back in my home country and Healthcare 

 

 

[KhunLA]

If in TH already, go to local hospital you plan on using, and ask them what carriers they like.   Ones that they trust to send payments, so you don't have to pay in advance, then wait to get reimbursed.

 

I think anything else is just personal choice, family history, and or pre existing conditions.

 

Price, haven't a clue, as never had.

[Sheryl]

Personally I advise against a Thai issued policy (which means AA Brokers cannot help). Get a good internationally issued expat policy, at your age and assuming good health premiums will be affordable and you will have full range of choice of policies.

 

Use a broker experienced with expat policies. Personally I use  https://www.aoc-insurancebroker.com/

 

you need minimum cover equal to $150,000 per event, or say $250,000 per year, but any international policy will be at least that anyhow

 

Not worth getting optional OPD cover but make sure hospitalization policy includes high ticket outpatient care eg cancer care, dialysis.

 

Things to look for:

 

- direct payment arrangements with large range of  Thai hospitals

 

- hospital coverage also includes outpatient cancer care and dialysis

 

- IF you may remain in Thailand into your old age, then make sure lifetime renewal guaranteed.

 

- good record of paying claims (broker can help on this)