I Male, 54 yrs, non-smoker, no pre-conditions looking for health Insurance and inquired with these results coming up...

I am ok with high deductible, any thoughts on these offers?

Especially interesting is the annual limit, In Baht it is about (from left to right) 5,140,000 Mln. Baht per condition, 15,000,000 Mln Baht altogether per year and 5,020,000 per condition per year...

How much can a high level treatment for a severe accident with months in the hospital be?

Provide your medical history from your Dr then they shouldn't be able to find a pre existing condition at a later date

5 minutes ago, scubascuba3 said:

Provide your medical history from your Dr then they shouldn't be able to find a pre existing condition at a later date

I do not have a specific doctor, but half a year ago I thought with a little pain in the chest I had a heart attack. So I rushed to a nearby hospital. They did a troponin check, which came back negative, they did a heart exercise check (with all these strips attached to the body) and finally a x-ray of the heart, cost was about 11,000 Baht for everything incl. doctor fees. Everything was negative, they said my heart is healthy like from a 50 year old, they did not find any issues, so I can mention this incident?

If you have even visited a doctor or hospital in the last 5 years that can be used to deny a claim as it could be a pre existing condidtion even if nothing was found, for piece of mind get a international policy from your home country with decent legal protections, if a policy is much cheaper than elswhere there is a reason for that.

1 hour ago, zappalot said:

I Male, 54 yrs, non-smoker, no pre-conditions looking for health Insurance and inquired with these results coming up...

I am ok with high deductible, any thoughts on these offers?

Pacific Cross was my first choice some years ago. However, they WILL FIND some flaws when they sent you for a test into a hospital. Some forgotten scars on your body, even decades old, will cause them to reject you. And YOU paid for the test. Not Pacific Cross.

Finally I bought a sufficient insurance with WRLife. As long you don't have issues, quite decent rates. No increase in old age. Just in case for the inevitable I bought it.

2 hours ago, zappalot said:

I do not have a specific doctor, but half a year ago I thought with a little pain in the chest I had a heart attack. So I rushed to a nearby hospital. They did a troponin check, which came back negative, they did a heart exercise check (with all these strips attached to the body) and finally a x-ray of the heart, cost was about 11,000 Baht for everything incl. doctor fees. Everything was negative, they said my heart is healthy like from a 50 year old, they did not find any issues, so I can mention this incident?

The more transparent you are the less likely they will find pre existing conditions at a later date and deny the claim. I agree with the poster above, better to get a policy from your home country

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