jazzbo Posted July 13, 2009 Share Posted July 13, 2009 The attached are the published BUPA (Thailand) individual policy premiums and coverages for both 2006 and 2009 -- there has been roughly a 10% increase over those years. BUPA_2006_2009.pdf Link to comment Share on other sites More sharing options...
ScubaBuddha Posted July 13, 2009 Share Posted July 13, 2009 (edited) Wow, look at the exclusions at: http://www.protecta-thai.com/pdf/bluecross...tinum_cover.pdf Exclusions: - Pre-existing conditions - Treatment not recommended by a doctor - Birth control and treatment of infertility - Hormone replacement therapy - Treatment of congenital abnormalities - Expenses recoverable from a third party - Routine and annual health checks, eye sight examination, eye laser and cosmetic treatment - HIV / AIDS and HIV related illnesses - Appliances such as spectacles, lenses, hearing aids and wheelchaires - Outpatient physical therapy and alternative treatment (e.g. acupuncture, chiropractor) - Transplant surgery and supportive treatment of renal failure - Injury due to dangerous sports Personal Accident: - Injury due to dangerous sports - Flying in a non-commercial aircraft or while serving as a crew in any aircraft - Suicide or self-inflicted injury - Bacterial infection - Miscarriage resulting from an accident - Taking part in a crawl or a war - Radioactivity Please refer to the policy wording for the full benefit covers and definitions. - Inpatient expenses are payable for any one disability. If the same disability reoccures, 90 days must have elapsed from the last date of treatment that this disability is cosidered a new disability. - Treatment arising from self-inflicted injury, suicide attempt, alcoholism, drug abuse or sexually transmitted diseases - For on a motorcycle only 50% of the benefit will be paid updated No coverage for injury due to dangerous sports (I'd like to see their list), congenital abnormalities, bacterial infection!, STD's, routine health checks, only 50% while driving or riding on motorcycle? (I think that is what they are trying to say with "losses arising while driving as a passenger" . And <deleted> is "Taking part in a crawl"?? Brawl I think. And it gets worse here: Look at page 21 22. http://www.e-insurethailand.com/download/B...num_T&C.pdf. This one says no coverage for motorbike accident. Am I missing something? What's the point of getting insurance? Edited July 13, 2009 by Scubabuddha Link to comment Share on other sites More sharing options...
jazzbo Posted July 13, 2009 Author Share Posted July 13, 2009 BUPA (Thailand) -- and probably others in Thailand -- will in many cases put a 2-year exclusion on a pre-existing condition if properly and fully disclosed on the application. Full coverage after the 2 years. As for injuries from extreme sports, motorcycles, etc., etc., insurance is for quantifiable risks -- not near certainties. Link to comment Share on other sites More sharing options...
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