Health Insurance companies

[Autocan]

I am thinking of changing from April. Any thoughts/experiences of Cigna or Pacific Cross?

[CharlieH]

MOVED to Insurance Forum

[scubascuba3]

Thought are that premiums will go up as you claim more as you get older, plus be very transparent with known and unknown pre-existing conditions 

[jerrymahoney]

And the above post left out this salient advice from JUN 2023:

Those insured should also be self insured as a "claim denied" is likely and common.

[Tom100]

4 hours ago, Autocan said:

I am thinking of changing from April. Any thoughts/experiences of Cigna or Pacific Cross?

I had PC for 2 years, but changed this year to AXA. 

I tried to make one claim in second year and it was never actually denied... but the claim was delayed by months and I was told that my premiums would rise if I made the claim, so I withdrew the claim. For 2025 my premium increased 41% despite never being paid for a claim. 

 

I sent 2 letters requesting an explanation for the rate rise and was ignored by the same agent that was very nice when I purchased the policy. I know the agent is still there but they did not care to reply. 

 

They "guarantee" they will not cancel policies if you start the policy before age 65 and continuously renew it...but annual premiums can rise dramatically -- especially if you start to make claims (it is called bait & switch!) Insurance companies do not want to pay claims because it reduces profits. 

 

Some people may have had a great experience with them...not me. 

 

Buyer beware. 

[statman78]

I have my health insurance through Bangkok Life Assurance.  In the 4 years I’ve had the policy I made 2 claims, both were paid promptly with no questions asked.

 

My wife has a different policy and her agent mentioned that in the very near future policies will include deductibles and may even include copays.  Our policies will not change as long as we keep paying our annual premiums.

 

My policy has scheduled premium increases every 5 years and will cover me until age 85.

[CanadaSam]

You're switching from April, one of the most expensive, to Pacific Cross, one of the cheapest?

[couchpotato]

Has anyone had any experience with "Henner Health Insurance" (French parent company). Reviews and web info looks good, but who knows. Thanks for any info.

[newbee2022]

5 hours ago, Autocan said:

I am thinking of changing from April. Any thoughts/experiences of Cigna or Pacific Cross?

I got quotations from both.

Cigna with high prices and Pacific Cross with loads of exceptions.

Both not recommended.

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