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.

[global expat]

@Hummin sadly no. I am Canadian nonresident so I  do not get access to health care. Thanks man. I will contact them, pacific prime, and tenzing pacific to see what each say. 

[arick]

11 hours ago, global expat said:

@Hummin sadly no. I am Canadian nonresident so I  do not get access to health care. Thanks man. I will contact them, pacific prime, and tenzing pacific to see what each say. 

Sadly mistaken! You get healthcare.  As soon as you return.  The trouble is if you have Registered doctor. Also being Canadian you qualify for health care regardless if you have a health care number or not.

[GmailJen]

Look at the area of coverage !  If you are International Traveller then ok an International Policy is a good idea BUT if you only stay in Thailand or lets say just go to the European Union occasionally , then it pays to look for a "Thailand only policy"  as the premiums for International Policies increase substantially for cover in USA/Europe etc and for things you might never need or are not applicable ( ie repatriation of body etc ) 

Then, if you go to Europe you can just take a Schengen insurance policy for the period there .   As always , look for a reputable insurer underwritten by a reputable body and read the small print .  

[JoePai]

If it helps I use these people in Thailand to help me though the minefield that is Medical Insurance and was very happy with them including my claims  https://www.aainsure.net/pattaya-ps.html