58 minutes ago, Scouse123 said:

They are multinationals; WrLife is nowhere near their level of funding and support and is a locally funded insurer

As you stated correctly: WRLife is multinational.

Incorrect is that they are only locally funded.

If you want to know more it's good to contact WRLife directly, better at least than to spread assumptions.

22 hours ago, JerryM said:

I replied once to you. The rest was to a usual suspect who likes to come up with hypothetical situations where your claim will be DENIED.

Here wego. This case is what I am actually experiencing now. Not hypothetical. I am at CKD stage 4. This started many years ago. so is a pre-condition that we weren't aware of.

10 minutes ago, cooked said:

Here wego. This case is what I am actually experiencing now. Not hypothetical. I am at CKD stage 4. This started many years ago. so is a pre-condition that we weren't aware of.

The claim that was presented above as a CLAIM DENIED was hypothetical.

And what you said was People heading for dialysis, for example never suggesting that was yourself.

On 1/26/2026 at 7:20 AM, brewsterbudgen said:

I'm 65 and have had WRLife health insurance for 3 years now, also covering my wife and kid. There are no premium increases, if no claims are made.

https://www.wrlife.net/

Same here.

Been with them 4 years and on my 70th birthday admitted suddenly to Surranaree hospital in Korat. All paid and no problems.

Premium has increased by 3%, barely noticeable

Different insurers use different systems to determine premiums. Age brackets, claim history, location, pre-existing conditions and medical cost increases, etc could all be factors on if and how they determine the premium.

Wrlife seems to set premiums dependant on age, location, customer selected insurance requirements, pre-existing conditions. Be more lenient with no claim, no increase, capping increases low about 3% but usually only for a couple of years after claim.

There is no one size fits all for insurance because of many factors.

Pacific Cross has been 8% past couple years but they have always paid when you follow the procedures for what care you require.

On 1/29/2026 at 4:52 AM, Hummin said:

Which insurer do a physical medical check up and interview?

Pacific Cross

April My Health International

No change in age band

No claim

Annual increase base 2023

2024 - + 11.24%

2025 - + 18.33%

2026 - + 23.12%

April justify increases due to Thailand being a high cost zone due to high group claims.

I have April International, hospitalization only. I am 74. When I signed up in 2011, my only health issue was high cholesterol. In 2025, my quarterly payments were around $2243, depending on the Euro/Dollar exchange rate. In 2026, I will be paying $2573 a quarter.

On 1/27/2026 at 6:40 AM, scubascuba3 said:

Ignorance is bliss with him, not a chance at around 80 he'll het his claims paid if big

BTW Lloyd's was first established in 1689 is a corporate body governed by the Lloyd's Act 1871 and subsequent Acts of Parliament.

From Gemini AI Take 2:

On 1/27/2026 at 10:51 AM, newbee2022 said:

I miss the word "PLEASE". A bit politeness would be good.

On 1/26/2026 at 12:02 PM, newbee2022 said:

NO ! Read my posts

Hmmm Do as I say and not as I do eh? Where I come from, and just about everywhere else , that sort of arrogance would be considered evidence of hypocrisy , Out of idle curiosity, as opposed to genuine interest, where do you come from?

6 hours ago, JerryM said:

BTW Lloyd's was first established in 1689 is a corporate body governed by the Lloyd's Act 1871 and subsequent Acts of Parliament.

From Gemini AI Take 2:

Yes i know i worked at Lloyds of London

On 1/29/2026 at 10:04 AM, newbee2022 said:

Well, it's not my job on AN to give you education.

On 1/27/2026 at 10:51 AM, newbee2022 said:

I miss the word "PLEASE". A bit politeness would be good.

Indeed it is not your job, so you should stop trying, Regarding the politeness issue, in order to lead by example, you really should consider deleting some of your posts -:

On 1/26/2026 at 12:02 PM, newbee2022 said:

NO ! Read my posts

On 1/28/2026 at 12:17 PM, newbee2022 said:

All of your statements you are wrong.

On 1/28/2026 at 12:20 PM, newbee2022 said:

NO, they don't !!

Maybe in your personal case. But in general your statement is WRONG. Facts are different!

On 1/29/2026 at 10:04 AM, newbee2022 said:

However, it's fact you're wrong.

15 minutes ago, scubascuba3 said:

Yes i know i worked at Lloyds of London

Good -- so then you know how , there is a chance at around 80 he'll (g)et his claims paid if big

On 1/31/2026 at 9:56 AM, newbee2022 said:

As you stated correctly: WRLife is multinational.

Incorrect is that they are only locally funded.

If you want to know more it's good to contact WRLife directly, better at least than to spread assumptions.

WRLife

is an independent, international insurance provider and broker rather than a traditional multinational corporation with extensive infrastructure across many nations. It focuses on worldwide coverage, including specialized expat plans covering Europe, Asia, Africa, and the Americas. 

Key Details About WRLife

• Structure: It is an independent, customer-owned, and ethical firm that acts as a broker network.

• Operations: They provide insurance from various providers worldwide, with a focus on expatriates.

• Coverage Areas: Services are offered across multiple regions, including Europe, Australia, New Zealand, the American continent, China, Singapore, and more.

• Approach: The company operates with a focus on social responsibility and humanitarian principles. 

WRLife distinguishes itself by operating without the pressure of shareholders seeking high, rapid market-value growth. 

Not spreading assumptions as you wrongly state, this is for all to see online!!

Attached are the most used insurers in Thailand with long track records.

https://geosthai.com/magazine/top-10-health-insurance-companies-in-thailand/

Not getting into a peeing contest here, if I had full confidence in them, I would switch at 63 years old. I am presently with Pacific Cross.

3 hours ago, JerryM said:

Good -- so then you know how , there is a chance at around 80 he'll (g)et his claims paid if big

Unlikely if big but I'm sure he will tell us

On 1/31/2026 at 12:09 PM, tmd5855 said:

Same here.

Been with them 4 years and on my 70th birthday admitted suddenly to Surranaree hospital in Korat. All paid and no problems.

Premium has increased by 3%, barely noticeable

Good to know.

There's been many threads on WRLife, with many doubting that they pay claims. I've seen a few people on here stating they successfully claimed, while i haven't seen anyone say they were unsuccessful with their claim.

Two Inflammatory posts removed

@newbee2022

4 hours ago, Bredbury Blue said:

There's been many threads on WRLife, with many doubting that they pay claims.

And there ae some on here, that if you say your claim was paid, will say Bernie Madoff paid off at first, too.

On 1/31/2026 at 4:21 PM, malcolminthemiddle said:

April My Health International

No change in age band

No claim

Annual increase base 2023

2024 - + 11.24%

2025 - + 18.33%

2026 - + 23.12%

April justify increases due to Thailand being a high cost zone due to high group claims.

This is useful. So with this kind of increases, it will be unsustainable very quickly.

If you use average % of your premiums, then the premium increases like this:

2× in about 4.31 years

3× in about 6.83 years

5× in about 10.00 years

10× in about 14.31 years

On 2/1/2026 at 12:32 PM, scubascuba3 said:

Yes i know i worked at Lloyds of London

https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/ Pg. 1

The above doesn't seem to be the kind of question someone who worked at Lloyd's of London would have to ask.

On 2/1/2026 at 12:32 PM, scubascuba3 said:

Yes i know i worked at Lloyds of London

This is the one I was looking for but couldn't remember the word 'recall' instead of remember -- Pg. 1

https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/

On 1/31/2026 at 5:38 PM, newnative said:

I have April International, hospitalization only. I am 74. When I signed up in 2011, my only health issue was high cholesterol. In 2025, my quarterly payments were around $2243, depending on the Euro/Dollar exchange rate. In 2026, I will be paying $2573 a quarter.

Is it emergency only plan or higher ones like comfort etc? I assume it's the former. Also which zones? I assume zones including Thailand but not beyond right? Otherwise 9K usd at 74 is not that bad if it's higher tiers.

5 minutes ago, lossantos said:

Is it emergency only plan or higher ones like comfort etc? I assume it's the former. Also which zones? I assume zones including Thailand but not beyond right? Otherwise 9K usd at 74 is not that bad if it's higher tiers.

It's not emergency only, it's a higher one Iike comfort. But, it only covers Thailand. I take out travel insurance when I travel out of the country.

On 2/7/2026 at 3:46 PM, newnative said:

It's not emergency only, it's a higher one Iike comfort. But, it only covers Thailand. I take out travel insurance when I travel out of the country.

Only Thailand but no other country? Are you sure it's the international plan? Because it's supposed to cover other countries like Philippines that are in the same zone as Thailand. If it's only Thailand, I wonder if it's the local Thai based April which is different from April France.

2 hours ago, lossantos said:

Only Thailand but no other country? Are you sure it's the international plan? Because it's supposed to cover other countries like Philippines that are in the same zone as Thailand. If it's only Thailand, I wonder if it's the local Thai based April which is different from April France.

No, it's not local, it's out of Paris. Apparently, I have an earlier type of plan from what is offered now by April. For example, I don't have the option of having a deductible. I think Sheryl mentioned that she has a $500 deductible with her April plan. I might check again to see if I could switch to the newer plans they are offering without losing my longevity--I would like to have a deductible to lower my premiums.

21 hours ago, newnative said:

No, it's not local, it's out of Paris. Apparently, I have an earlier type of plan from what is offered now by April. For example, I don't have the option of having a deductible. I think Sheryl mentioned that she has a $500 deductible with her April plan. I might check again to see if I could switch to the newer plans they are offering without losing my longevity--I would like to have a deductible to lower my premiums.

That's strange then because I thought you have zones, that cover countries in the same zone. Never heard of Thailand only coverage.

It shows like this:

MyHealth International (Long-Term/Expat) Zones 

• Zone 0: USA, Bahamas, Puerto Rico + all lower zones.

• Zone 1: China, Hong Kong, Japan, Singapore + zones 2, 3, 4, 5.

• Zone 2: Brazil, Chile, Mexico, Switzerland, UK, UAE, Thailand + zones 3, 4, 5.

• Zone 3: Most of Europe, Australia, Canada, South Africa + zones 4, 5.

• Zone 4: Belgium, France (including overseas depts), Monaco + zone 5.

• Zone 5: Rest of the world (countries not listed in 0-4). 

On 2/9/2026 at 4:42 PM, lossantos said:

That's strange then because I thought you have zones, that cover countries in the same zone. Never heard of Thailand only coverage.

It shows like this:

MyHealth International (Long-Term/Expat) Zones 

• Zone 0: USA, Bahamas, Puerto Rico + all lower zones.

• Zone 1: China, Hong Kong, Japan, Singapore + zones 2, 3, 4, 5.

• Zone 2: Brazil, Chile, Mexico, Switzerland, UK, UAE, Thailand + zones 3, 4, 5.

• Zone 3: Most of Europe, Australia, Canada, South Africa + zones 4, 5.

• Zone 4: Belgium, France (including overseas depts), Monaco + zone 5.

• Zone 5: Rest of the world (countries not listed in 0-4). 

I definitely seem to have an old, weird April International policy. Instead of numbered zones, I have letters and I am in Zone C, which covers all countries not in Zones A and B. Zone A is a few expensive countries like the USA, Japan and a couple others. Zone B seems to be mostly Europe. I just sent an email to April asking about switching to one of the newer plans they now offer, which seem to be cheaper and allow a deductible. But, I wouldn't switch unless I can keep my longevity, since I have had my policy since 2011.

On 2/11/2026 at 11:36 AM, newnative said:

I definitely seem to have an old, weird April International policy. Instead of numbered zones, I have letters and I am in Zone C, which covers all countries not in Zones A and B. Zone A is a few expensive countries like the USA, Japan and a couple others. Zone B seems to be mostly Europe. I just sent an email to April asking about switching to one of the newer plans they now offer, which seem to be cheaper and allow a deductible. But, I wouldn't switch unless I can keep my longevity, since I have had my policy since 2011.

Are you sure the new plans are cheaper? Because I am paying 4k at 40 yo, seems quite high. I am zone 1, so excluding USA etc which easily doubles premiums or more. The same thing is true for outpatient which I also don't have. No deductible at comfort plan.

So what you are paying at your age seems very good to me. But of course if in 10 years, if it become 50k then it's not possible to afford that. So maybe they rely on this so that people at very old age will have to stop using it.

8 hours ago, lossantos said:

Are you sure the new plans are cheaper? Because I am paying 4k at 40 yo, seems quite high. I am zone 1, so excluding USA etc which easily doubles premiums or more. The same thing is true for outpatient which I also don't have. No deductible at comfort plan.

So what you are paying at your age seems very good to me. But of course if in 10 years, if it become 50k then it's not possible to afford that. So maybe they rely on this so that people at very old age will have to stop using it.

You might be right that the new plans aren't cheaper. I'm still waiting to hear back from April Intl.

1 hour ago, newnative said:

You might be right that the new plans aren't cheaper. I'm still waiting to hear back from April Intl.

Please let me know what they say. Then it would be easier to compare the pricing to current plans and see where it is at.