Hello, everyone. I need your advice. 

We are 27 and 33 year old expat couple living in BKK with no serious chronical deseases, do not have a car or m/byke, do not often visit doctors in our home country. We plan to stay in LOS at least a year, so we do not actually need world coverage. But we do plan to visit some Thai islands for snorkelling. 

The problem is there are many homless dogs in our neighbourhood sois and also a 

bit afraid of infections such as hepatitis C, dengue, malaria and so on. (these are my fears).

My agent suggests me LMG Pacific Comprehensive Family Plan with Expander. A year cost is around 10, 000 baht. The details are on their web-site. I did my researches and found their coverage (1, 250 total, no OPD) good for this money, but I am not totally sure.

Is anybody using or used this plan? Or do you know a better variant for 10-12 000 baht?

I will appreciate any information.

Thank you

Alice

May we suggest for a low cost medical plan you look at the link below for benefits and premiums :

http://insurance.thaivisa.com/medical-pack...plans-1--2.html

May we suggest for a low cost medical plan you look at the link below for benefits and premiums :

http://insurance.thaivisa.com/medical-pack...plans-1--2.html

I have been there. The cost is higher (2 000). What are the advantages?

I use it for me and my family.

I needed only once to spend a night in hospital, that was at Samitivej Sukhumvit (one of Bangkok top end hospitals), I still had to pay 5 or 6000 THB on top of what the insurance covered.

My daughter had to be hospitalised at Vichaiyut hospital (cheaper private hospital), they covered all expenses.

To be honest, I think I'll stay with LMG but I'll upgrade to a better coverage when I'm due to renew.

Yeti, thank you so much for your reply.

Nobody else is using LMG?

I'm switching from NZI TO LMG when my current policy with NZI expires.

LMG to me seem to offer the best coverage and their premium is lower than Axa or NZI. NZI do not offer a cashless system but LMG and Axa do.

jingjingna, thank you for your reply

After a lot of research I just switched to LMG Mega Max Care (a Thai subsidiary of a large US company Liberty Mutual) from my expensive high $10,000 deductible and 80%/20% copay US BCBS health coverage. By switching, I cut my premium by over 50%.

To lower my premium, I took the following discounts, a 40k baht deductible, limited treatment area and excluded outpatient coverage.