Not another health insurance thread.Smokers, Drinkers and Pre-existing conditions

[Pralaad]

I have been in the market for health insurance for a while, and yes i read all the threads on Thai visa and other forums.

One thing i found in common when people talked about company's was either lack of customer service, late payments or claims denied and talks of pre-existing conditions.

Anyhow, i chose a company and applied for insurance. I was asked for a blood test, which i failed. When i say failed, i mean i had above normal results

Now i have to say, i am a smoker and i am overweight by medical standards.

I was not denied policy but had exclusions put in, which pretty much did not cover anything.

To be smart, i took medication to bring down all the marks and was going to apply with another company, but now had to decide what other company to pick.

I spoke to a friend of mine, who is in health insurance industry and asked for his advice.

Because he knows me personally, he ruled out pretty much all company's discussed on this forum including Bupa.

I could not understand why, now is where it gets interesting.

1. Smokers or drinkers or people over weight ring the bells and always asked for blood tests.

2. Some insurance company's either put exclusions or raise up premiums to crazy high for smokers, drinkers or people over weight.

I thought, well its easy to deal with. I suggested to simply not put the truth of say how much i smoke or drink or weigh. I can also not mention any medication i am taking. All of these can not really be checked, so can not be a pre-condition.

His answer was the main reason for this thread.

Yes applicant could lie about number of cigarettes per days, bottles of alcohol, weight or medication, HOWEVER if something does happened and i am hospitalized, doctors would need to know how much i smoke, how long, how much i drink, what medication i am on or was on etc.

When i lodge the claim, insurance company asks for patients history and you are busted. If on application i said no medication, but in doctors notes i am.

Naturally you will not be lying to the doctor because your answers are vital for correct treatment.

So claim denied, because patient lied about his condition or other information.

Of course one can tell doctor, he/she just gained weight or have been on medication way after insurance is taken out, but this then again raises alarms with insurance company and your claim becomes problem.

He suggested only a handful of companies who admittedly do have premiums little higher than say Bupa by about 10% but do not ring alarms if smoker or drinker or over weight person applies.

He narrowed down even more, to ONLY those who have an office in the country you reside, in my case Thailand.

Why? because local office can communicate with local hospital without any language problems or delays, while those without an office in Thailand take longer and do have problems with language barriers etc.

Anyhow, your thoughts and experiences????

[transam]

Insurance companies are in business to make money. Your stuff is secondary...........

[Costas2008]

So, the best insurance you can have is to put some money aside every month, for when something goes wrong.

I have kept that for the last 7 years, knowing about preconditions etc.

As Mr. Trans said, they are there to make money, so eventually they will find out and you get nothing.

At least, when I go to meet my maker, my wife will have some money left, if nothing else.

Saying that.........if I don't use them before I die.

[Pralaad]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

[stevenl]

There are thousands of smokers who do not get sick and just as many healthy people who do.

That is really not the point. The point for insurance companies is that they like healthy people to insure themselves with them, since they are a better risk than non-healthy people. And yes, drinking, smoking and being overweight all lead to not being healthy, so are a potential bad risk for an insurance company, unless the company can be convinced these persons are not a bad risk, with e.g. a blood test.

It all makes sense economically.

There are however also social aspects to health insurance. But if there is no compulsory insurance programme and the bad risks get divided over the companies, the economical aspects will prevail.

[Balance]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

This is just gibberish. If you smoke, and are fat, and drink a lot, statistically you will get sicker and more often that someone who does not do those things. Bad health behavior raises insurance costs for everyone, it is correct that the people behaving badly should pay 100% of the increased risk for in insuring them. Oh, if you are over 70, forget about it, you could not get insurance at any price.

Good luck

[Doc46]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

This is just gibberish. If you smoke, and are fat, and drink a lot, statistically you will get sicker and more often that someone who does not do those things. Bad health behavior raises insurance costs for everyone, it is correct that the people behaving badly should pay 100% of the increased risk for in insuring them. Oh, if you are over 70, forget about it, you could not get insurance at any price.

Good luck

They should love expats for insurance in Thailand because Treatment and hospitals are a hell of a lot cheaper than other countries

So less money to pay out for the insurance.But no it is an other very big ripoff and that is a fact!

[hobobo]

If you abuse your body so much and don't care, why even bother with insurance? Your argument doesn't make too much sense...

[cbluck58]

Don't bother with Insurance that is only restricted to Thailand - go to one of the International majors such as SIGNA and go for world wide coverage - don't go through Thai office , go online and get your policy Stateside or Europe .

It works out cheaper with better coverage and less questions.

[Pralaad]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

This is just gibberish. If you smoke, and are fat, and drink a lot, statistically you will get sicker and more often that someone who does not do those things. Bad health behavior raises insurance costs for everyone, it is correct that the people behaving badly should pay 100% of the increased risk for in insuring them. Oh, if you are over 70, forget about it, you could not get insurance at any price.

Good luck

Please post the statistics and reference to studies

[Pralaad]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

This is just gibberish. If you smoke, and are fat, and drink a lot, statistically you will get sicker and more often that someone who does not do those things. Bad health behavior raises insurance costs for everyone, it is correct that the people behaving badly should pay 100% of the increased risk for in insuring them. Oh, if you are over 70, forget about it, you could not get insurance at any price.

Good luck

They should love expats for insurance in Thailand because Treatment and hospitals are a hell of a lot cheaper than other countries

So less money to pay out for the insurance.But no it is an other very big ripoff and that is a fact!

Sadly the reason why so many end up in trouble, due to constant flow of wrong and incorrect information.

Prices in private hospital in Thailand are on par with prices in the West( perhaps slightly cheaper)

I had a surgery in Bangkok Hospital which cost me 350 000 baht. The same surgery in Australia i was quoted 380 000 baht.

A hell of a lot cheaper? I do not think so and those with private insurance do not go to government hospitals.

[Balance]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

This is just gibberish. If you smoke, and are fat, and drink a lot, statistically you will get sicker and more often that someone who does not do those things. Bad health behavior raises insurance costs for everyone, it is correct that the people behaving badly should pay 100% of the increased risk for in insuring them. Oh, if you are over 70, forget about it, you could not get insurance at any price.

Good luck

They should love expats for insurance in Thailand because Treatment and hospitals are a hell of a lot cheaper than other countries

So less money to pay out for the insurance.But no it is an other very big ripoff and that is a fact!

A little background. I had a 17 career in the business site of health care managing private practices, an internal consultant at a hospital and 9 years working for a regional private practice consulting firm negotiating managed care contracts with insurance companies for physician groups. When I move here I was 67 and in O.K. health but I had had a stent installed in 2006.

Before I moved to Thailand I was covered under Medicare in the U.S. Hospital coverage comes with Social Security benefits, but providers, diagnostics, etc. costs about $110 a month. However there remains a 20% co-pay of the Medicare approved amount, which could run thousands with a long hospitalization.

I looked at all of the carriers in and outside Thailand offering expat health insurance, and none of them would cover anyone over 65 with one exception but the stent ruled it out as well.

Turns out my Thai wife has a friend who is a sales person with AIA, which is large Thai life insurance company, and which had just begun to offer health insurance including to farang. At the end of the day, I got a policy with no exclusions and extensive coverage for TB6,600/month with per admission caps but no co-pays. The Cigna policy (before I was rejected for the stent) was almost four times higher with less coverage. The AIA policy is not all roses, as the premium will increase substantially at age 75 and they will not cover me after I turn 80. Hopefully, by that time Medicare will cover American expats. As an expat, to maximize your options you need to be under 60 when you first apply, be in good health, and be able to pass a physical. No hypertension, diabetes, organ failure, obesity, etc. If you are buying insurance from a Thai company you need some to translate the contracts because you cannot get them in English. It will also help if you are familiar with the jargon. Buying insurance is complicated because they make it complicated and they do not share information which you need to know. After reading the contract from BURPA, I called the guy and when through the section on preexisting conditions as the way it was written it was likely that not much would be covered and the decisions resided totally with them. When I pointed this out he response was that it was complicated.

If you have a lot of money (TB2-3 million) that you can set aside, you can take all of the risk yourself and self-insure. But even with costs lower here, if you have a major illness or surgery you can blow through a million or two pretty quickly.

[Pralaad]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

This is just gibberish. If you smoke, and are fat, and drink a lot, statistically you will get sicker and more often that someone who does not do those things. Bad health behavior raises insurance costs for everyone, it is correct that the people behaving badly should pay 100% of the increased risk for in insuring them. Oh, if you are over 70, forget about it, you could not get insurance at any price.

Good luck

They should love expats for insurance in Thailand because Treatment and hospitals are a hell of a lot cheaper than other countries

So less money to pay out for the insurance.But no it is an other very big ripoff and that is a fact!

A little background. I had a 17 career in the business site of health care managing private practices, an internal consultant at a hospital and 9 years working for a regional private practice consulting firm negotiating managed care contracts with insurance companies for physician groups. When I move here I was 67 and in O.K. health but I had had a stent installed in 2006.

Before I moved to Thailand I was covered under Medicare in the U.S. Hospital coverage comes with Social Security benefits, but providers, diagnostics, etc. costs about $110 a month. However there remains a 20% co-pay of the Medicare approved amount, which could run thousands with a long hospitalization.

I looked at all of the carriers in and outside Thailand offering expat health insurance, and none of them would cover anyone over 65 with one exception but the stent ruled it out as well.

Turns out my Thai wife has a friend who is a sales person with AIA, which is large Thai life insurance company, and which had just begun to offer health insurance including to farang. At the end of the day, I got a policy with no exclusions and extensive coverage for TB6,600/month with per admission caps but no co-pays. The Cigna policy (before I was rejected for the stent) was almost four times higher with less coverage. The AIA policy is not all roses, as the premium will increase substantially at age 75 and they will not cover me after I turn 80. Hopefully, by that time Medicare will cover American expats. As an expat, to maximize your options you need to be under 60 when you first apply, be in good health, and be able to pass a physical. No hypertension, diabetes, organ failure, obesity, etc. If you are buying insurance from a Thai company you need some to translate the contracts because you cannot get them in English. It will also help if you are familiar with the jargon. Buying insurance is complicated because they make it complicated and they do not share information which you need to know. After reading the contract from BURPA, I called the guy and when through the section on preexisting conditions as the way it was written it was likely that not much would be covered and the decisions resided totally with them. When I pointed this out he response was that it was complicated.

If you have a lot of money (TB2-3 million) that you can set aside, you can take all of the risk yourself and self-insure. But even with costs lower here, if you have a major illness or surgery you can blow through a million or two pretty quickly.

AIA is almost the same price as Bupa with almost half the amount of benefits.

Your 6500 baht cover hardly covers anything.

I have a quote from them, for high cover, age 36-40 years old and its 36 000 baht per year.

Note this is just the quote, no personal health information was provided.

AIA is a preferred insurance company by Thai hospitals, however in comparison price and benefits it is one of the worst.

[Justanotherpassword]

Self insure as was suggested

[Pralaad]

Self insure as was suggested

It sounds great in theory, not so great in practice.

Say you put aside 50 000 baht every year (price of insurance)

You get heart attack and need a bypass after 5 years, even 10 years.

The 500 000 baht would hardly cover the surgery and recovery.

Ok, for a cheapish hospital, but if you wanted to be in private hospital with good equipment, nurses and doctors, i am afraid the cost would be 4-5 times what you had put aside.

[JLCrab]

'Self-insure' as used here is a 'reserve'. If there is no probability component or shared risk, then it is not insurance.

[neverdie]

Of course insurance companies are in the business of making money, but this is not the point of the thread.

Point is , as so many are looking for insurance, is to pick a company which does charge more but does not asks for tests and does not single out specific type of people.

There are thousands of smokers who do not get sick and just as many healthy people who do.

For example, LMG will refuse smokers, so if you are a smoker, do not even bother to apply. If you lie, very possibly your claims would be denied in the future, because you would have to tell doctor the truth if say you had a heart attack.

Ambassade, does not run checks or refuses smokers, so no need to lie or worry about claim being denied in the future, but premiums are higher than LMG by about 50%

Bupa, may ask for blood works but comes in only 10% cheaper than Ambassade, is 10% price difference really worth the possible exclusions or headache?!

Would be interesting to hear from smokers or drinkers or over weight people who have insurance and their experiences.

Keep in mind, overweight by medical standards. so a bodybuilder who has 5% body fat would actually be considered over weight by insurance company.

As a non smoker, non drinker, my only concern would be the overweight thing. For example, if 5% body fat indicated all over that were obese! I'd say a lot of us would trouble.

There's certainly no shortage of traps to fall I to, no wonder these companies return massive profits each year.

[neverdie]

Self insure as was suggested

It sounds great in theory, not so great in practice.

Say you put aside 50 000 baht every year (price of insurance)

You get heart attack and need a bypass after 5 years, even 10 years.

The 500 000 baht would hardly cover the surgery and recovery.

Ok, for a cheapish hospital, but if you wanted to be in private hospital with good equipment, nurses and doctors, i am afraid the cost would be 4-5 times what you had put aside.

Not to mention (& Ive seen this first hand), hospital staff get very nervous when you turn up without cover, they pause and baulk at every turn and often they want to see proof of funds, which isn't the ideal situation whe you are in the middle of so e urgent situation. However, on the flip side, a quick check with an insurance company gets smiles and nods all round.

[JLCrab]

Re above: ... no wonder these companies return massive profits each year.

From BUPA/Thailand website: We (BUPA) have over 22 million customers in 190 countries. With no shareholders, we invest our profits to provide more and better healthcare and fulfill our purpose.

[JoePai]

Re above: ... no wonder these companies return massive profits each year.

From BUPA/Thailand website: We (BUPA) have over 22 million customers in 190 countries. With no shareholders, we invest our profits to provide more and better healthcare and fulfill our purpose.

Wish they would inverst more in lowering the premiums than feathering their own beds

[JLCrab]

Re above: ... no wonder these companies return massive profits each year.

From BUPA/Thailand website: We (BUPA) have over 22 million customers in 190 countries. With no shareholders, we invest our profits to provide more and better healthcare and fulfill our purpose.

Wish they would inverst more in lowering the premiums than feathering their own beds

Why tell me -- http://bupa.co.th/en/individuals/contact/index.aspx e.g.

Dear BUPA -- I wish you would stop gouging us on premiums instead of giving cushy perks to your top execs, Sincerely, JP

[Pralaad]

Re above: ... no wonder these companies return massive profits each year.

From BUPA/Thailand website: We (BUPA) have over 22 million customers in 190 countries. With no shareholders, we invest our profits to provide more and better healthcare and fulfill our purpose.

Wish they would inverst more in lowering the premiums than feathering their own beds

They call it medical inflation.

While i do understand and agree that costs may and do rise, it seems with insurance company's it never halts and rises every year, at times twice per year.

[meatboy]

So, the best insurance you can have is to put some money aside every month, for when something goes wrong.

I have kept that for the last 7 years, knowing about preconditions etc.

As Mr. Trans said, they are there to make money, so eventually they will find out and you get nothing.

At least, when I go to meet my maker, my wife will have some money left, if nothing else.

Saying that.........if I don't use them before I die.

as costas says in the above post.

this is what my wife[thai] has come up against the last couple of days.

as she worked in the uk.for 20yrs.she paid into a scheme and she has life cover only 2million bht.if she was to die before she claims her pension.

so she has been trying to get medical insurance,she contacted the co.who we have our house[hers] ins. with after seeing a package suitable on line,yes come on in and we will see what suits you best the top package is only 6,000bht a yr.oh great she thought,that was till she got to their office,yes mrs.meat you can have that but and it was a BIG BUT you have to take out life cover,but I have nobody to leave it tooooo stick it.

then she tried the co.we have our car insurance with only to be told the same sh-t you must take out life cover to get medical cover.

so I told her put a lump sum in an acc.and put in a certain amount every month.

[stevenl]

So, the best insurance you can have is to put some money aside every month, for when something goes wrong.

I have kept that for the last 7 years, knowing about preconditions etc.

As Mr. Trans said, they are there to make money, so eventually they will find out and you get nothing.

At least, when I go to meet my maker, my wife will have some money left, if nothing else.

Saying that.........if I don't use them before I die.

as costas says in the above post.

this is what my wife[thai] has come up against the last couple of days.

as she worked in the uk.for 20yrs.she paid into a scheme and she has life cover only 2million bht.if she was to die before she claims her pension.

so she has been trying to get medical insurance,she contacted the co.who we have our house[hers] ins. with after seeing a package suitable on line,yes come on in and we will see what suits you best the top package is only 6,000bht a yr.oh great she thought,that was till she got to their office,yes mrs.meat you can have that but and it was a BIG BUT you have to take out life cover,but I have nobody to leave it tooooo stick it.

then she tried the co.we have our car insurance with only to be told the same sh-t you must take out life cover to get medical cover.

so I told her put a lump sum in an acc.and put in a certain amount every month.

Tell her to get health insurance in stead of life insurance. Bupa do this, and even AIA these days has a health only option.

[meatboy]

So, the best insurance you can have is to put some money aside every month, for when something goes wrong.

I have kept that for the last 7 years, knowing about preconditions etc.

As Mr. Trans said, they are there to make money, so eventually they will find out and you get nothing.

At least, when I go to meet my maker, my wife will have some money left, if nothing else.

Saying that.........if I don't use them before I die.

as costas says in the above post.

this is what my wife[thai] has come up against the last couple of days.

as she worked in the uk.for 20yrs.she paid into a scheme and she has life cover only 2million bht.if she was to die before she claims her pension.

so she has been trying to get medical insurance,she contacted the co.who we have our house[hers] ins. with after seeing a package suitable on line,yes come on in and we will see what suits you best the top package is only 6,000bht a yr.oh great she thought,that was till she got to their office,yes mrs.meat you can have that but and it was a BIG BUT you have to take out life cover,but I have nobody to leave it tooooo stick it.

then she tried the co.we have our car insurance with only to be told the same sh-t you must take out life cover to get medical cover.

so I told her put a lump sum in an acc.and put in a certain amount every month.

Tell her to get health insurance in stead of life insurance. Bupa do this, and even AIA these days has a health only option.

steven read the post "SHE HAS BEEN TRYING TO GET MEDICAL INSURANCE" line5.she did try AIA but they tried to sell her life cover aswell over a yr.ago.

[stevenl]

as costas says in the above post.

this is what my wife[thai] has come up against the last couple of days.

as she worked in the uk.for 20yrs.she paid into a scheme and she has life cover only 2million bht.if she was to die before she claims her pension.

so she has been trying to get medical insurance,she contacted the co.who we have our house[hers] ins. with after seeing a package suitable on line,yes come on in and we will see what suits you best the top package is only 6,000bht a yr.oh great she thought,that was till she got to their office,yes mrs.meat you can have that but and it was a BIG BUT you have to take out life cover,but I have nobody to leave it tooooo stick it.

then she tried the co.we have our car insurance with only to be told the same sh-t you must take out life cover to get medical cover.

so I told her put a lump sum in an acc.and put in a certain amount every month.

Tell her to get health insurance in stead of life insurance. Bupa do this, and even AIA these days has a health only option.

steven read the post "SHE HAS BEEN TRYING TO GET MEDICAL INSURANCE" line5.she did try AIA but they tried to sell her life cover aswell over a yr.ago.

No reason to shout.

Please read my post 'even AIA these days has a health only option'. I have accentuated an important part of the text for you, so you can see the difference between 'these days' and 'over a yr ago'. And don't forget that I mentioned another company where she'll be able to find health insurance without any form of life insurance. And on top of that there are many other companies offering health insurance options.

I'm sorry, but somebody claiming 'we tried to find health insurance but could only find health in combination with life' really has not looked very far.

[AAInsuranceBrokers]

Stevenl is quite right, there are several Thai insurance companies offering only health insurance - examples being BUPA, LMG, Thai Health and so on. We tend to favour Thai Health due to their quick service, claims clearance with our customers but all are good.

And I have to say (being a Broker) why not use a Brokers service - no extra charge but you do get the choice of all and help along the line

AA Insurance Brokers

[meatboy]

as costas says in the above post.

this is what my wife[thai] has come up against the last couple of days.

as she worked in the uk.for 20yrs.she paid into a scheme and she has life cover only 2million bht.if she was to die before she claims her pension.

so she has been trying to get medical insurance,she contacted the co.who we have our house[hers] ins. with after seeing a package suitable on line,yes come on in and we will see what suits you best the top package is only 6,000bht a yr.oh great she thought,that was till she got to their office,yes mrs.meat you can have that but and it was a BIG BUT you have to take out life cover,but I have nobody to leave it tooooo stick it.

then she tried the co.we have our car insurance with only to be told the same sh-t you must take out life cover to get medical cover.

so I told her put a lump sum in an acc.and put in a certain amount every month.

Tell her to get health insurance in stead of life insurance. Bupa do this, and even AIA these days has a health only option.

steven read the post "SHE HAS BEEN TRYING TO GET MEDICAL INSURANCE" line5.she did try AIA but they tried to sell her life cover aswell over a yr.ago.

No reason to shout.

Please read my post 'even AIA these days has a health only option'. I have accentuated an important part of the text for you, so you can see the difference between 'these days' and 'over a yr ago'. And don't forget that I mentioned another company where she'll be able to find health insurance without any form of life insurance. And on top of that there are many other companies offering health insurance options.

I'm sorry, but somebody claiming 'we tried to find health insurance but could only find health in combination with life' really has not looked very far.

thanks for that steven my wife gets pissed off easy especially by the aia rep.did have a look at thai health and yes they have some good packages.