Which Thai bank health insurance policy is best deal?

[Taco]

I know all the larger banks here offer simple accident health insurance to farang with work permits. Can anyone here who has shopped around let me know who is best?

I am in koh phangan and the hospitals and clinics here way overcharge here for even the slightest issues.

[charliebadenhop]

I am 67 years old and just getting insurance.

As you likely already know, prices vary greatly depending on your age.

KrungThai just offered me a policy for B118,000 a year, including an eventual payout of B50,000 (not a lot!) in life insurance.

This includes outpatient visits, but not yet sure exactly what is covered in outpatient.

I am only really interested in scenarios where I have a major problem.

B3 mil max a year in payout is possible.

My thinking-

I looked around and found that heart bypass surgery seems to be around B1,200,000.

Angioplasty is around B500,00

Cancer treatment really depends on exactly what you need.

So if I ever needed bypass surgery the cost would equal about 10 years of insurance payments.

No exam needed.

For further insight-

Pacific Cross offered me their Maxima Plan for B112,000 a year.

But there were a lot of restrictions/reductions.

Health insurance is a crap shoot.

Very expensive if you don't wind up using it, but can be a definite savings if needed, plus peace of mind.

I am a US citizen and have Medicare, but if I needed something major in a few years time, I am not sure how much sense it would make to have to fly back to the US for treatment. I would also need to stay with a friend, and not sure if that would all work out.

So...

I have not decided yet, and would love further feedback from others.

[MaeJoMTB]

Kasikorn bank offer 50k of accident insurance for 2k5.

Bangkok Insurance Company offer 100k of accident insurance for 3k.

Those are about the best offers around at the moment.

Your OP is slightly confusing as you say 'Accident health insurance'.

Health insurance = everything

Accident Insurance = accidents

[PacificCrossInsurance]

Check the insurance companies too, it's their field of expertise when you need it...