Health Insurance Suggestions ?

[NORDO]

Just quoted premium of 250 euro monthly for 185,000 euro coverage with 4500 euro deductible.   In/Out hospital coverage.

Early 70's

Pre exisitng

Btch for exwife

 

[proton]

20 hours ago, NORDO said:

Just quoted premium of 250 euro monthly for 185,000 euro coverage with 4500 euro deductible.   In/Out hospital coverage.

Early 70's

Pre exisitng

Btch for exwife

 

 

What company?

[DaRoadrunner]

On 3/28/2025 at 1:43 PM, xylophone said:

I am covered up until the age of 100, believe it or not!

Da Roadrunner here will have died long before that;- heart attack whilst humping some 18 year old bar girl.... He came and he went!

[bubblegum]

On 3/24/2025 at 11:02 AM, Cameroni said:

 

Go with Genki. Amazing cover, cheap and will cover you in your home country.

Max age 55

[Cameroni]

4 hours ago, bubblegum said:

Max age 55

 

No. The age of 55 is the limit to entry for Genki Native, but once you're in there' s no limit for cover. With Genki Explorer you'll be covered up to 69 years of age.

 

 

 

 

[JontS]

Just signed with Pacific Cross using Macallan as a broker. 46k per year with a 20k deductible and inpatient only. Only exclusion is hyperlipidemia and both Jack at Macallan and another broker at AA ensured me that heart attack, stroke, etc. would be covered as it would be very difficult for the insurance company to proof that it was caused directly by the hyperlipidemia. I tried to protest to the wording in the exclusion, but went along with it eventually.

 

I see the insurance as an emergency situation help and I might cancel it at a later point when it becomes to expensive, e.g. after 70 or if I have a big claim at one point, cancer or something that would make my premium skyrocket. 

[Alex_Ander]

 I am a 49yo, very healthy man, non-smoker. I have been working out for decades, watching what I eat, and maintaining a very athletic physique with body fat at around 12% all year around. Last year I quit my office job and moved to SEA. Before the move, I had signed up for an annual plan with ALC Insurance. My coverage has a $2500 deductible and a $1089 premium. A couple of days ago I received a renewal notice for $1205 (+10.6% increase with not a single claim in the past 12 months). I spend about 6 months a year in Thailand (with intentions to apply for a retirement visa shortly after turning 50), 4 months in other SEA countries, 2 months in more expensive countries like Australia and Korea. 

To justify the coverage above, I should be facing a medical bill of at least $3705. That makes me think if I should consider so-called "self insure" instead, given my health condition and relatively affordable medicine in the countries I spend most of my time in. Besides, if my premium increases by 10%+ each year, I am afraid I'll be forced to make this call in a few years anyway. Your thoughts would be very appreciated.