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Getting Thai health insurance for 68 year old American

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2 minutes ago, jerrymahoney said:

I didn't miss it when you wrote about it 2 years ago:

On 10/22/2024 at 9:18 AM, JBChiangRai said:

-- My friend Charlie Badenhop posted about them on AN, he had a claim issue, he also wrote about his experience on Trustpilot.

-- yes and he received a reply.

I don't remember the reply but maybe his charges were outpatient and not covered.

https://aseannow.com/topic/1312262-wrlife-still-ok/page/2/


I’m beginning to wonder if you’re associated with WrLife…

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  • I think there are limits on the amount of time you can spend in Thailand on a travel insurance plan.   To my knowledge, it isn't open-ended, nor was it intended to be.

  • newbee2022
    newbee2022

    Get a quotation from WRLIFE. Unbeatable rates, fixed rates.

  • JBChiangRai
    JBChiangRai

    Don't.   Instead choose a company regulated by the Thai regulator not a company flying under the radar where you have zero recourse if they don’t pay your claim.

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NO just aa satisfied policy holder with 2 claims paid and a backup plan in case they do some of the bunko things you have suggested over the past year that they might do.

And I had some exposure to reinsurance markets, so I have a reasonable idea how they function and as in why Nevis which some say to make it harder to contest a claim.

 

When it comes to claims being denied on here and online reviews I think of this:

image.png.2b2e3bf07a117a15d15a472955957636.png

 

image.png.8becd26ac1c94ac0d87b0aeed5a83739.png

  • Author
19 hours ago, mania said:

 

PS: You know you can just drop Part B, C, D etc you never dis-enroll part A is free & for life akaik

Generally, you qualify for premium-free Part A if you or your spouse have worked for at least 10 years (40 quarters) and paid Medicare taxes.

yes.  I would be considering dropping B and my Advantage plan.  A stays and is free

In JAN 2022 I was at a big Bangkok hospital when I had an x-ray show hip fracture. Doctor said this will not heal and surgery required right now.

 

I gave my WrLife-AIS policy card and a bit later the insurance guy approached me as I sat in a wheelchair and said: "This will take some time as we do not know these people."

 

Guarantee came in the next morning.

 

As of today, however, AIS is listed on their "Insurance We Accept" page.

 

  • 3 weeks later...

67yrs old, US citizen living in LOS (so no Medicare coverage overseas) for 9mo/yr and have to be in the US for 3mo continuous every year (so maybe travel ins?), no major maladies, in half-way good shape.  Have a large international company for my medical plan.  Covers everywhere in the world except the US with $1,000,000 USD coverage but has a $7,500 USD yearly deductible and does not cover anything unless I spend the night in the hospital.  Costing me $355 USD per month, which I think is high.  My US Medicare and Medicare supplemental are running me $480 USD per month. 

 

The reason I feel it is high is that I fell in a freak accident slipping off the runner of a high 4wd truck and breaking my humerus in 3 places 2 yrs ago in Thailand.  Had to have a stabilization plate put in, full knocked out surgery so the 3 breaks would heal straight, BKK hospital where my insurance is good.  When all was said and done, cost $7,450 USD which was below my deductible, so all out of pocket. 

 

If I just pocketed the insurance coverages here and in the US I could self-insure but I am unsure about the cost of recovering from something truly bad such as heart surgery or a major accident.  Anyone familiar with the costs of such major medical events here in Thailand?  As always, thanks in advance.  

  • 4 weeks later...


Hi @gk10012001 

 

If you go down the Retirement Visa route and need health insurance for your Retirement Visa (O-A or O-X), Muang Thai Life is offering a limited-time 18% discount on the first year of their approved plan. Use code VISA18 when applying online (valid until 31 August 2025): https://onlinesales.muangthai.co.th/en/detail/health-for-retirement/

 

Cover is for 50 - 70 years old.

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