Bupa Heath Insurance

[geoffphuket]

I'm considering buying health insurance from Bupa (platinum plan) in Phuket. Any feedback - good or bad appreciated. Or, If anyone knows of a better alternative?

[OZEMADE]

I have been with BUPA for 7 years, they are world wide. I have been to hospital on 2 occasions for Denghy and Malaria. Would have cost me around 300,000 Baht if I did not have Bupa. They came to the hospital and did all the paperwork and paid ALL expenses including follow up treatment. I also had a severe laseration from a broken bottle when I was in Lop Buri, they paid all expenses and follow up treatment. I have no trouble in recommending them.

[7by7]

Topic moved.

[kamalabob2]

My Thai wife, Thai daughter and I all have BUPA in patient health insurance Platinum bought from a bi-lingual, native English speaking insurance Broker based in Phuket, Eric Dohlon of www.insurance-in-thailand.com I have experienced first hand in Bangkok how cost effective this Bupa 2 million baht Platinum policy is at a reputable hospital. It is easy to understand the web site, easy to obtain straight answers from an insurance broker and even the "send in a medical certificate and original hospital bill" for an OUT patient procedure that took place AFTER an IN patient operation was paid in less than one week by BUPA. We previously had in patient and out patient coverage from "Thai Health Insurance" and it did not always go as smooth. If you are in Phuket it is simple. Go in person to BOTH of the large PRIVATE hospitals and go to the insurance department in each hospital. Ask the staff which broker and/or insurance company is best to have coverage. They seem people get jerked around, they see people obtain fast service. They also speak English in those two hospital's Insurance department offices. In my opinion BUPA is well worth the money and piece of mind.

[stiggy]

Had Bupa for 5 years for me and our company policy 7 staff, All Platinum.

First time we have had to rely on it, absolutle crap service and in the end refused payment, we have already decided to jump to Prudential.

Reason for refusing payment existing condition clause ! Had an infection that had been hurting (chronic for 5 mths) and even though we had coverage throughout term and previous 4 years they still said no.

Had to pay cash in the end to get checked out for Cancer etc total bill 80,000 bht Bupa paid ..0 bht.

Drs have confrimed that this was not existing just chronic infection that took 6 mths to get bad. BUPA bunch of arse.

[JAS21]

I have been with PPP for many years in a company scheme and when I re-married my wife was also accepted. When I left the UK to come here we had to leave the scheme and change to a PPP International Policy. This year I check with BUPA and the price was about the same but of course they wouldn't accept past history.

I can recommend PPP International. They have contracts with certain hospitals here so will pay the bill direct.

[geoffphuket]

Thanks for the replies. So far Bupa seems to have the thumbs up, but I've still a few concerns:

I was reading the 'small print' exclusions on their web site and noticed they won't pay large bills directly for the first 2 years - it's necessary to pay first and claim the money back. Obviously this could represent a major problem in the case of serious illness. Anyone been caught by that? I'm wondering what they term as large bills

[kamalabob2]

May I suggest the OP contact via e-mail or telephone a couple of independent insurance BROKERS and have the BROKER put in writing to him the answer to that or any questions. He can see in advance what level of SERVICE a broker (who should work for HIS benefit) might provide in his relationship with a particular insurance company. In our case with only a few hospital visits I was always guided in advance via the telephone or e-mail by our insurance BROKER so I had zero unpleasant experiences at the hospital checkout. You do not save a satang attempting to purchase insurance direct with a Thai Insurance company, so in my opinion it would be wise to compare the services of a broker who is a native speaker of your first language. The Thai staff who work in the insurance department of any private hospital do not want an angry Farang. It is in the interest of the hospital staff to have patients who have an insurance BROKER who will explain properly the "system" and smooth the way for the patient to be admitted quickly and released in a timely fashion. The insurance company does not want to get "scammed" by an overzealous hospital billing department for procedures and expenses that were not normally part of a procedure. I think any policy holder should understand what his policy does and does not cover and an experienced insurance BROKER is in the best position to answer the questions. The BUPA and Thai Health Insurance policies were both in Thai and English, they both make a list of "direct bill, in system" hospitals and clinics available in Thai and English. I personally experienced different levels of English UNDERSTANDING at those two firms.

[ThaivisaInsurance]

Thank you kamalabob2

For any insurances it is always better to use the services of a Broker as they can help you should problems arise with the insurance companies – and they cost you no more than going direct - in fact by going direct, many times it will cost you more !

As Thai Visa members please feel free to use the services of the Thai Visa Brokers : Here

[WorldwideALOHA]

BUPA Thailand is nothing short of the worst company I have ever dealt with.

I held the BUPA Platinum plan for 3 years until I had a nightmare dilemma with them. After a head injury left blood pooling behind my eyes a doctor at Bumrungrad said I needed an immediate CAT scan to determine if there was bleeding in my brain. This was on a Friday evening. After Bumrungrad put together all of the paperwork, sent it to BUPA Thailand, and followed up for confirmation of the emergency CAT scan, they were told that "No, the scan and treatment would not be paid for by BUPA. If the treatment was to be done, I would have to pay for it, then try to claim back at a later date, which would be very hard to do as all CAT/MRI scans MUST be pre-approved to be covered." The doctors and staff at Bumrungrad were infuriated and continued to stress to BUPA that this should be a covered procedure. I contacted BUPA and was told that since it was a weekend there were no senior level managers available to review the situation and give approval - approval would have to wait until Monday.

I spent the next 6 hours working my way up the organization chart until I was finally able to get an executive manager on the line on the weekend, which they admitted was outside of normal protocol. The manager agreed that the CAT scan was necessary and would be covered.

After the incident I followed up with BUPA that week and spoke with one of the VP's and was told that this is an isolated problem with BUPA here in Thailand, as people working under managers do not want to disturb managers outside of normal working hours. There are also no 'on call' senior level managers during weekends and holidays. As she noted, this was an issue that they were trying to change to make problems like the one I experienced never happen again. In the meantime, I was given her personal contact details in case of future emergencies.

Although I appreciated the admission of the problem within the company and the reassurance that she would be available 24 hours in case of future problems, I nevertheless cancelled my policy with BUPA Thailand. One pays for insurance for security and peace of mind, not to have to fight for coverage during emergency situations.

I have no idea whether or not things have changed within the company, but if you do read the fine print of the Platinum policy there are a lot of exclusions and vagueness that could expose a policy holder to being excluded or not covered.

I believe the best coverage is with an International company based outside of Thailand. I highly recommend Goodhealth, which is an Aetna insurer. With the exchange rates the way they currently are the coverage levels that are available by going outside of Thailand are much more advantageous.

Take your time, shop around and ask to view the full policy wordings before putting down your money.

Aloha

[wimster]

Fully agree. Totally unreliable. If major claim, they will try to get away with not (re)paying, not even pre-existing clause. I told them I would fight them in court and at government level and they returned all my premiums. Went to LMG and very happy there.

Had Bupa for 5 years for me and our company policy 7 staff, All Platinum.

First time we have had to rely on it, absolutle crap service and in the end refused payment, we have already decided to jump to Prudential.

Reason for refusing payment existing condition clause ! Had an infection that had been hurting (chronic for 5 mths) and even though we had coverage throughout term and previous 4 years they still said no.

Had to pay cash in the end to get checked out for Cancer etc total bill 80,000 bht Bupa paid ..0 bht.

Drs have confrimed that this was not existing just chronic infection that took 6 mths to get bad. BUPA bunch of arse.

[jazzbo]

I guess everyne has their own story: When I first took out my BUPA Platinum Policy, I told them in the application that I had had arthroscopic surgery on my left knee 3 years prior. They excluded both knees for a period of 2 years. After 2 years and a few months I could no longer walk and a doctor at one of their approved hospitals said I needed full ACL left knee reconstruction. The fee was equal to my total first 3 years premium

They paid -- after a few questions as to how I first injured my knee -- 100% including one week in a private room except for a can of CocaCola. In the USA you would be sent home after day-surgery assuming no complications.

I applied to 4 Lloyd's of London/ Bermuda International plans (including Aetna GoodHealth) and they all turned me down for coverage.

[JohnC]

I heard from a number of people in Pattaya who had been turned down by the local hospitals for treatment under their BUPA insurance as BUPA were known as bad payers, in addition who has been with them for years was told they would not cover him this year when he turns 70 despite assurances when he took out the policy that his cover would continue.

[jazzbo]

from Hoover's a (D&B Company) Re: BUPA Thailand

The company, a subsidiary of British United Provident Association ... With more than 200 employees (including doctors and nurses), BUPA commands a majority share of Thailand's specialist health insurance market

(about 80%)

.

Go figure.

(someone) who has been with them for years was told they would not cover him this year when he turns 70 despite assurances when he took out the policy that his cover would continue.

from Tillecke and Gibbins:

However, pursuant to the amendments to the Casualty Insurance Act B.E. 2535 (A.D. 1992) and Life Insurance Act B.E. 2535 (A.D. 1992), all advertising images or solicitation documents shall be regarded as parts of the insurance policy; if the meaning of any advertised wording or image is contrary to that written in the policy, such meaning shall be interpreted in favor of the insured or the beneficiary.

Also, according to BUPA Policy Clause 22. all denied claims would be subject to arbitration under Department of Insurance regulations at the option of the claimant.

Edited March 7, 2010 by jazzbo

[jazzbo]

in addition (a friend) who has been with them for years was told they would not cover him this year when he turns 70 despite assurances when he took out the policy that his cover would continue.

It is in the printed BUPA Platinum Table of Benefits / Remarks that "... renewal is guaranteed for life" if the Member joins BUPA before age 61 and is 'continuously insured'... see notice from Tillecke and Gibbins above.

... In all these BUPA horror stories you read herein you maybe are only getting to hear the one side of the story

Edited March 8, 2010 by jazzbo

[frenchfarangjomtien]

What are the other alternatives if someone doesn't want to use Bupa ?

Thanks.

[ThaivisaInsurance]

What are the other alternatives if someone doesn't want to use Bupa ?

Thanks.

There are several other companies offering medical insurance depending on ones age and the level of cover required. Suggest you go Here for suggestions suitable for yourself.

[jazzbo]

I have had very good interactions with the direct response team at BUPA HQ at Q House Convent in Bangkok... They do not have all that many farang direct subscribers and, at least in my case, they know who I am personally. Without saying which is better or worse, it is a different experience than if you work with a broker... in many but certainly not all instances it is better to have a broker.

The one time that I required major surgery, all matters were handled with the Hospital insurance by BUPA knowing exactly who I was as an individual -- not just a broker's customer... They call me personally each year prior to renewal and with a personal confirmation once payment has been received and documents sent.

[kevinbkk]

What are the other alternatives if someone doesn't want to use Bupa ?

Thanks.

Check out allianzworldwidecare.com

I've been with them for over 5 years and used them twice. Never had any problems, they paid all the bills from the BNH Hospital. 24 Hours Hotline in several languages and they cannot cancel your insurance cover after you used them. Beside that, they pay for everything, even for transplantation's and sport accidents, which is on the exclusion list (beside a lot of more things) from BUPA, as far as I know.

[Soboringtochooseaname]

Do not use a broker, too many stories of brokers accepting your payment and then doing a runner after giving fake documents...

Only pay to insurance company directly !

[kamalabob2]

Soboringtochooseaname seems to have not used the services of the licensed BROKER with a real office in Phuket, who is a Thai citizen and Swedish citizen, of Swedish decent, who is fluent in Thai and English, that is well known to the insurance departments of the Phuket Private hospitals that I have given my insurance responsibilities for over six years. Not all brokers are "bad actors". I pay most of my premiums with a Visa card, and it is the Thailand based insurance company, such as BUPA, that tenders the Visa card, same situation as when I paid three years premium in advance for a significant discount of home owners insurance. For the very low cost motorbike coverage I pay in an on line bank transfer to the business account of the insurance brokerage. All documents from a Thailand insurance company are required to be in BOTH English and Thai. Ask your Farang friends which broker has given them top flight service, ask in person at any private hospital where they process the insurance claims. You can bet the private hospital will have a preference of which bi-lingual brokers they enjoy working with as that Thai staff hate to deal with irate or confused Farang. Edited April 5, 2012 by kamalabob2

[meand]

If you can communicate with people in the hospital that directly deal with contacting insurance companies they usually have strong opinions about the companies that don't pay the most (ie the ones to avoid), and they are happy to give this info up at times also because these are the companies that cause them the most problems. I have had good luck doing this by talking to secretaries at car repair shops concerning car insurance.

I find the op's claim about needing to have 2 years of coverage before them actually paying anything (in essence) absolutely hilarious.... that is just SO Thai.... I notice businesses here just dont want to pony up the simple and unavoidable costs of doing business. Ha, "we'll take your money for two years, and only after that will we pay anything." I'm sure that's true.

One thing I noticed comparing bupa to Thaivivat recently.... Thaivivat covered motorbike accidents, Bupa actually didn't!!! So, if you ride a motorbike, bupa is obviously out for sure, at least when considering the policies I was looking at.

The last thing I will say about bupa is I feel they look at how much you have paid in when they consider if they are going to pay for your coverage or not. I say that because it all seems to jive.... my friend was initially denied his major surgery costs, and then they reconsidered.... he had been paying them for almost 10 years. Bupa sounds to me like a company you WILL NOT necessarily have peace of mind with initially after you buy their policy, simply because they seem to base so much off of how much you have put in. Peace of mind may come at some point down the road.

Edited April 5, 2012 by meand

[flying]

One thing I noticed comparing bupa to Thaivivat recently.... Thaivivat covered motorbike accidents, Bupa actually didn't!!! So, if you ride a motorbike, bupa is obviously out for sure, at least when considering the policies I was looking at.

Hey thanks for that info! Very informative regarding bikes.

Also I had never heard of them but just looked at their website which has an English version....

And I saw this....

If a Personal care member joins at the age of 61 years old or before and is continuously insured, renewal is a guarantee for life.

That seems like a great advantage (as long as you join before your 61 ) as I have read many here post that some companies stop at 70-80

Who knows if I will make it that long but it is nice to know your not going to be cut off when you may need it most.

[canopus1969]

Check out the ACS plans from Allianz - seems any hospital can be used (not just the ones BUPA etc tell you to use) plus the premiums are far more sensible than the local Thai companies !

[kamalabob2]

I sometimes wonder if some people have taken the time to read the English language policy they are considering. With regards to Mr. "meand": He is misinformed regarding Mr. "op's" claim that you need to be covered for 2 years before an insurance company will pay claims. This is not true. I've read my health insurance policy, I've made claims and not had any run around. Both BUPA and Thaivivat cover motorcycle accidents. The wording that causes lots of concern is under the Personal Accident benefits of each policy. BUPA only pays 50% of the sum insured if a customer is injured or dismembered or dies by motorcycle accident. The medical costs are always fully covered 100%.

It's rough for people who apply for insurance at an older age, however Both BUPA and Thaivivat offer renewal for life if you join before the age of 61. Be aware that BUPA and Thaivivat cover medical claims at ALL HOSPITALS IN THAILAND and most countries around the world. They have contractual agreements for claims procedures at approx 200 private hospitals around Thailand, but you can still use the facilities of the government hospitals which in many cases are better equipped and have the same qualified doctors.

The post by Canopus1969 caught my eye as maybe I was not looking at all the possible to ways to cover my family. However ACS insurance by Allianz. I just checked on this and find out it is an international insurance, group scheme. It should cover you at the same hospitals as BUPA or Thaivivat. The premium is also much more expensive than BUPA or Thaivivat. ACS has two main types of plans, you can choose from 500,000 or 1 million USD cover. This is more than BUPA or Thaivivat.............it is obviously going to cost more to offer higher levels of cover..........if someone is stating ACS is cheaper, they are dreaming or they perhaps they are not in my age bracket. Good luck for them if that cover costs less than BUPA Platinum. You can meet face to face with a native English speaking insurance broker, you can read the English language policies prior to spending any money and in my case an experienced licensed broker explained in writing in great detail any questions and concerns I had prior to selecting a health insurance company.

[meand]

I sometimes wonder if some people have taken the time to read the English language policy they are considering. With regards to Mr. "meand": He is misinformed regarding Mr. "op's" claim that you need to be covered for 2 years before an insurance company will pay claims. This is not true. I've read my health insurance policy, I've made claims and not had any run around. Both BUPA and Thaivivat cover motorcycle accidents. The wording that causes lots of concern is under the Personal Accident benefits of each policy. BUPA only pays 50% of the sum insured if a customer is injured or dismembered or dies by motorcycle accident. The medical costs are always fully covered 100%.

It's rough for people who apply for insurance at an older age, however Both BUPA and Thaivivat offer renewal for life if you join before the age of 61. Be aware that BUPA and Thaivivat cover medical claims at ALL HOSPITALS IN THAILAND and most countries around the world. They have contractual agreements for claims procedures at approx 200 private hospitals around Thailand, but you can still use the facilities of the government hospitals which in many cases are better equipped and have the same qualified doctors.

The post by Canopus1969 caught my eye as maybe I was not looking at all the possible to ways to cover my family. However ACS insurance by Allianz. I just checked on this and find out it is an international insurance, group scheme. It should cover you at the same hospitals as BUPA or Thaivivat. The premium is also much more expensive than BUPA or Thaivivat. ACS has two main types of plans, you can choose from 500,000 or 1 million USD cover. This is more than BUPA or Thaivivat.............it is obviously going to cost more to offer higher levels of cover..........if someone is stating ACS is cheaper, they are dreaming or they perhaps they are not in my age bracket. Good luck for them if that cover costs less than BUPA Platinum. You can meet face to face with a native English speaking insurance broker, you can read the English language policies prior to spending any money and in my case an experienced licensed broker explained in writing in great detail any questions and concerns I had prior to selecting a health insurance company.

Have you made a claim at or near the limits of your policy? I'd seriously be willing to bet (meaning better than 50/50) that if you needed to max out on your policy a month after you bought it, you'd be up _____ creek. I could be wrong, but I would bet it.

As to the other stuff, if you think it is good bupa only gives you 50% of the benefit you paid for for motorbike accidents, good for you. I think even that is appalling myself. If thaivivat does that as well, I didn't see that in their policy

[kamalabob2]

The Bupa Platinum Health policy, has a "Personal accident benefit" which is NOT the same as the medical coverage. They would pay all my medical in hospital costs for the motorbike accident, but only 50% of the death benefit if I was killed in a motorbike accident. Check the policy you are considering. There are several parts to the policy, but it is in English. I have not made a claim near the maximum limit of BUPA or even my previous health insurance policy "Thai Health Insurance". We've had claims paid in one policy period that were more than the annual premium, but nothing near the policy coverage limits. Your insurance questions might be better answered by an insurance broker who is a native English speaking person. I'm not, nor have I ever been in the insurance business, but I have seen expats who neglected to get health cover in Thailand, assuming they could take advantage of health schemes in their native countries and all too often that has not worked out so well from what I have seen.

[JoePai]

I sometimes wonder if some people have taken the time to read the English language policy they are considering. With regards to Mr. "meand": He is misinformed regarding Mr. "op's" claim that you need to be covered for 2 years before an insurance company will pay claims. This is not true. I've read my health insurance policy, I've made claims and not had any run around. Both BUPA and Thaivivat cover motorcycle accidents. The wording that causes lots of concern is under the Personal Accident benefits of each policy. BUPA only pays 50% of the sum insured if a customer is injured or dismembered or dies by motorcycle accident. The medical costs are always fully covered 100%.

It's rough for people who apply for insurance at an older age, however Both BUPA and Thaivivat offer renewal for life if you join before the age of 61. Be aware that BUPA and Thaivivat cover medical claims at ALL HOSPITALS IN THAILAND and most countries around the world. They have contractual agreements for claims procedures at approx 200 private hospitals around Thailand, but you can still use the facilities of the government hospitals which in many cases are better equipped and have the same qualified doctors.

The post by Canopus1969 caught my eye as maybe I was not looking at all the possible to ways to cover my family. However ACS insurance by Allianz. I just checked on this and find out it is an international insurance, group scheme. It should cover you at the same hospitals as BUPA or Thaivivat. The premium is also much more expensive than BUPA or Thaivivat. ACS has two main types of plans, you can choose from 500,000 or 1 million USD cover. This is more than BUPA or Thaivivat.............it is obviously going to cost more to offer higher levels of cover..........if someone is stating ACS is cheaper, they are dreaming or they perhaps they are not in my age bracket. Good luck for them if that cover costs less than BUPA Platinum. You can meet face to face with a native English speaking insurance broker, you can read the English language policies prior to spending any money and in my case an experienced licensed broker explained in writing in great detail any questions and concerns I had prior to selecting a health insurance company.

Interesting as I have just checked this ACS/Allianz. Example BUPA 41 to 45 is 39,000 Baht and ACS 22,000 Baht. BUPA 56 to 60 is 67,000 Baht and ACS is 44,00 Baht. And those figures are for BUPA's cover of only 5m Baht where ACS/Allianz is 15m Baht which is far more realistic in this day and age. Please explain how you can say : if someone is stating ACS is cheaper, they are dreaming or they perhaps they are not in my age bracket - so just how old are you ?

Another more worry point is that BUPA stops showing premiums at 65 where at least ACS/Allianz shows to a more realistic 75 !

[kamalabob2]

According to documents I have been able to read from various sources on the web, I have summarized the main features about this ACS/Allianz insurance:

(Please correct me if I am wrong)

1. You must join before age 65.
   
2. The health cover ends at age 75.
   
3. The policy is not valid world-wide, it only pays claims in 8 countries.
   
4. Repatriation and Evacuation is not included but an extra-cost option.
   
5. Your membership can be cancelled under the following conditions;
   
   1. 
      
   2. change of registered address;
      
   3. change of marital status or situation;
      
   4. change of profession;
      
   5. retirement or ceasing your activity.
      

[*]Medical claims must be paid by customers and claimed back from the insurer.

[*]Cancellation is only possible within 30 days of start of policy and only by sending a registered letter to ACS in France.

[*]It is a group health policy underwritten by Allianz insurance in France.

[*]Premiums go up each year caused by the knock-on-effect of members growing older each year and more likely to claim on their insurance.

[*]ACS is an insurance broker and not the insurer.

[*]ACS cannot guarantee policy renewal, Allianz can refuse to renew the policy at any year.

The BIGGEST problem with this policy is the last item.

There will be one year in the future when this policy is no longer renewed and the customers have no recourse.....because the broker did nothing wrong.

The only way customers will know something is wrong, is that their policy is not renewed and they have received no confirmation of renewal.

[tonydabbs]

I sometimes wonder if some people have taken the time to read the English language policy they are considering. With regards to Mr. "meand": He is misinformed regarding Mr. "op's" claim that you need to be covered for 2 years before an insurance company will pay claims. This is not true. I've read my health insurance policy, I've made claims and not had any run around. Both BUPA and Thaivivat cover motorcycle accidents. The wording that causes lots of concern is under the Personal Accident benefits of each policy. BUPA only pays 50% of the sum insured if a customer is injured or dismembered or dies by motorcycle accident. The medical costs are always fully covered 100%.

It's rough for people who apply for insurance at an older age, however Both BUPA and Thaivivat offer renewal for life if you join before the age of 61. Be aware that BUPA and Thaivivat cover medical claims at ALL HOSPITALS IN THAILAND and most countries around the world. They have contractual agreements for claims procedures at approx 200 private hospitals around Thailand, but you can still use the facilities of the government hospitals which in many cases are better equipped and have the same qualified doctors.

The post by Canopus1969 caught my eye as maybe I was not looking at all the possible to ways to cover my family. However ACS insurance by Allianz. I just checked on this and find out it is an international insurance, group scheme. It should cover you at the same hospitals as BUPA or Thaivivat. The premium is also much more expensive than BUPA or Thaivivat. ACS has two main types of plans, you can choose from 500,000 or 1 million USD cover. This is more than BUPA or Thaivivat.............it is obviously going to cost more to offer higher levels of cover..........if someone is stating ACS is cheaper, they are dreaming or they perhaps they are not in my age bracket. Good luck for them if that cover costs less than BUPA Platinum. You can meet face to face with a native English speaking insurance broker, you can read the English language policies prior to spending any money and in my case an experienced licensed broker explained in writing in great detail any questions and concerns I had prior to selecting a health insurance company.

Interesting as I have just checked this ACS/Allianz. Example BUPA 41 to 45 is 39,000 Baht and ACS 22,000 Baht. BUPA 56 to 60 is 67,000 Baht and ACS is 44,00 Baht. And those figures are for BUPA's cover of only 5m Baht where ACS/Allianz is 15m Baht which is far more realistic in this day and age. Please explain how you can say : if someone is stating ACS is cheaper, they are dreaming or they perhaps they are not in my age bracket - so just how old are you ?

Another more worry point is that BUPA stops showing premiums at 65 where at least ACS/Allianz shows to a more realistic 75 !

Yes, Bupa stops showing the premiums after age 65. I asked them about that and they said that they increase the premium by 10% per year after age 65. LMG Pacific Healthcare only shows their premiums to age 65, also. When I asked them about it, they sent me a list of premiums calculated out to age 80. LMG Mega Series is my favorite Thai-based coverage; but, Bupa Platinum would be my second choice. Bupa Personal Care, though, is only so-so.

In regards to policy Terms and Conditions Exclusions, all Thai-based (Bupa is Thai-based) health insurance plans are the same. It is only their cost and coverage that is different.

I am a bit surprised that 'kamalabob2' is not associated in any way with the marketing of insurance. Frankly, I find his replies thoughtful and impressive.

Edited April 15, 2012 by tonydabbs