jonnog Posted October 11, 2011 Share Posted October 11, 2011 My daughter is three years old. I want to get insurance for her - and possibly myself and my wife. Can anyone recommend a reasonably sound insurance company in Bangkok that won't cost an arm and a leg? Many thanks... Link to comment Share on other sites More sharing options...
aussiebebe Posted October 11, 2011 Share Posted October 11, 2011 Health Insurance companies operate the same in Thailand as in the West; they are law-abiding and ethical but the onus is on the customer to be honest about all pre-existing conditions and to read and fully understand the terms and conditions. Customers who complain about something not being covered have usually failed to understand the terms of their coverage. I've used BUPA in Thailand for six years now and only ever claimed for outpatients visits whereas my wife was admitted once, fine - no problems. Our son is three and covering him with OPD is a disproportionately more expensive (children always are). You just have to contact many companies for quotes and carefully compare the premiums with the policies - it's pretty transparent. The 'best' company will depend on individual circumstances. Comparing premiums is meaningless; you have to go through the coverage being offered with a fine tooth comb! Link to comment Share on other sites More sharing options...
phuketrichard Posted October 16, 2011 Share Posted October 16, 2011 i had Buppa Platinum as well for over 8 years, ( out patient only and no dental) for myself and daughter Never once had a claim Link to comment Share on other sites More sharing options...
featography Posted October 16, 2011 Share Posted October 16, 2011 i had Buppa Platinum as well for over 8 years, ( out patient only and no dental) for myself and daughter Never once had a claim Is there dental riders available?? I have been told Thailand has no dental insurance plans by a multitude of Thai in 5 yrs of living here. Link to comment Share on other sites More sharing options...
phuketrichard Posted October 16, 2011 Share Posted October 16, 2011 contact Bupa note they are running a special if two people join 10% Bupa Link to comment Share on other sites More sharing options...
featography Posted October 16, 2011 Share Posted October 16, 2011 contact Bupa note they are running a special if two people join 10% Bupa Thank you PhuketR.....Ill check into that with the wife. Link to comment Share on other sites More sharing options...
thaifkrlim Posted October 16, 2011 Share Posted October 16, 2011 is it cheaper buy a non-OPD policy and pay from the pocket if any OPD need arises , than to buy a health insurance policy with OPD coverage but claim amount limited Link to comment Share on other sites More sharing options...
think_too_mut Posted October 17, 2011 Share Posted October 17, 2011 Through my company, I have top class worldwide coverage insurance with Aetna. BUPA does similar thing. It covers any place on earth, Thailand too. Before joining me in Japan my Thai family was covered too. What a ripoff. No way I would buy that plan myself even if I had money to burn. All covered, it is 1,250$ a month. That is full coverage, dental included. Once I ran BUPA quotation for Thailand, that same one was 1,800$ a month (possibly because it is 1 customer not a company who can negotiate a group deal for all their expats). When you start going down from the most expensive ripoff "plan", you end up with one where most likely ailings are not covered or are under "pay first 2,000 baht yourself" which means, good chance you never get anything, if lucky, for lifetime. What would cost more than 2,000B in a reasonable Thai hospital anyway? Would you need any insurance at all if you always pay yourself? So, some cheap insurance that covers unlikely ailings, accidents, open heart surgeries, multiple hospital days. What you may really need is not covered anyway so why pay big names? See above, someone with BUPA has never made a claim. Link to comment Share on other sites More sharing options...
phuketrichard Posted October 17, 2011 Share Posted October 17, 2011 my bad; I meant i had IN PATIENT ONLY> no dental I had the Platinum policy for myself 57 and my daughter 16 and it was 55,000 baht/YEAR!!!! Link to comment Share on other sites More sharing options...
samran Posted October 20, 2011 Share Posted October 20, 2011 if not mentioned already it is highly likely that you'll have to have at least one parent covered in addition to the child. Insurance companies in my experience won't cover the child by themselves. Note also that premiums up to 5 years old can be expensive, but drop substantially after that. Bupa Thailand Thai Health and if you are in the market for a reasonable level expat health insurance plan (actually, they are pretty good), then William Russel out of the UK. Link to comment Share on other sites More sharing options...
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