Jump to content
BANGKOK 22 March 2019 17:21
JTXR

Health insurance for expats over 65 in Thailand?

Recommended Posts

I did a search in this forum, but maybe past threads on the subject were too long ago.

 

I know that not many companies will cover those over 65 or 70 and that the premiums will be high.  Still, are there any good companies that still offer cover?  I'm American, retired, 67.

Share this post


Link to post
Share on other sites

Pacific Cross - but will have to take a medical.

April International - I just applied 1,000,000 dollar cover.

Share this post


Link to post
Share on other sites
On 2/14/2019 at 8:10 PM, ifmu said:

wow i guess nobody had anything to say ...

I did but no reply.

Share this post


Link to post
Share on other sites

Hi,

 

I'm running two topics that both centrally revolve around health insurance.  I researched this until i gave up. In reviewing a dozen local and international plans, the absolute least expensive that will even insure me, and no coverage for preexisting conditions was 700 usd a month.  It only went up from there.  If your over these magic ages, any money saved living in Thailand is wiped out.

 

Those are, 59, 64 and a few companies will insure at the 700 usd a month rate if not yet 66.  Once 66, game over.

 

Sorry,

 

I left Thailand one week ago to cut my losses and am back in the USA.   I'm looking at Panama and Costa Rica now.

 

Good luck.

 

CJ

  • Like 1

Share this post


Link to post
Share on other sites

Captain Jack - that's really weird.  I have been paying $80 a month for $500,000 annual cover ($2,000 excess) with a UK expat company (I'm 59 years old, almost 60).

 

I just changed to Davidshield ($1.2 million annual cover with 0% excess and 0% copay). My new premium is $147 a month and the company gave me estimates of annual premium increases as I go through my 60's.  Nothing like the premiums that you quoted....

 



I'm looking at Panama and Costa Rica now.

 

 

But surely the premiums for cover in those countries will be no different from what you have been quoted in Thailand?

Edited by simon43

Share this post


Link to post
Share on other sites
15 hours ago, CaptainJack said:

Hi,

 

I'm running two topics that both centrally revolve around health insurance.  I researched this until i gave up. In reviewing a dozen local and international plans, the absolute least expensive that will even insure me, and no coverage for preexisting conditions was 700 usd a month.  It only went up from there.  If your over these magic ages, any money saved living in Thailand is wiped out.

 

Those are, 59, 64 and a few companies will insure at the 700 usd a month rate if not yet 66.  Once 66, game over.

 

Sorry,

 

I left Thailand one week ago to cut my losses and am back in the USA.   I'm looking at Panama and Costa Rica now.

 

Good luck.

 

CJ

I know this is not about insurance but would love to hear your views on those places CJ.

Share this post


Link to post
Share on other sites
On 2/22/2019 at 5:53 PM, simon43 said:

I just changed to Davidshield

Sorry simon43 in one of the other threads I thought you said you were staying with HCI?

If not, welcome to the club :thumbsup:

Share this post


Link to post
Share on other sites



Sorry simon43 in one of the other threads I thought you said you were staying with HCI?

If not, welcome to the club 

 

Yes, indeed my plan was to stay with HCI with the $2,000 USD excess.  But I then considered a worst-case scenario where I might be quite old and short on hard cash, and unable to afford the $2,000 excess if I needed some operation.  This could be made much worst if I had to make several claims.  (I have a regular monthly income but never have much $ in the bank...).

 

Bearing this nightmare scenario in mind, I opted to join Davidshield with zero % excess and zero % copay, and an increase in my HCI cover from $500,000 to $1.2 million.  Yes, my premium increases significantly from $80 to $143 per month, with no health exclusions, (hitting 60 but I am lucky to have zero pre-existing conditions or health issues).

 

I had no problems with HCI, but they do not have a 0% excess option....

  • Thanks 1

Share this post


Link to post
Share on other sites

I got Aetna, formerly BUPA, through MrPrakan agency, inpatient and outpatient coverage, not very high limits, I think ฿200K. Very low accident and injury !฿20K and 50% (฿10K) if motorbikes involved. About ฿24K/year. Age 65 now.  Required medical underwriting, no doctor visit. I could self pay to these limits, however I figured 1)Thai government might require it in future and 2)if I get sick and treatment costs more than policy limits I might get insurance rates instead of higher self pay rates. I also keep full USA Medicare Part B and Hi Plan F supplement, dental, vision, and prescription coverage,  so my health insurance costs more that my (low) rent.

Share this post


Link to post
Share on other sites
On ‎2‎/‎25‎/‎2019 at 4:33 AM, simon43 said:

 

 

 

Yes, indeed my plan was to stay with HCI with the $2,000 USD excess.  But I then considered a worst-case scenario where I might be quite old and short on hard cash, and unable to afford the $2,000 excess if I needed some operation.  This could be made much worst if I had to make several claims.  (I have a regular monthly income but never have much $ in the bank...).

 

Bearing this nightmare scenario in mind, I opted to join Davidshield with zero % excess and zero % copay, and an increase in my HCI cover from $500,000 to $1.2 million.  Yes, my premium increases significantly from $80 to $143 per month, with no health exclusions, (hitting 60 but I am lucky to have zero pre-existing conditions or health issues).

 

I had no problems with HCI, but they do not have a 0% excess option....

Hi Simon--Did you go through a broker? And is an exam required?

Share this post


Link to post
Share on other sites



Hi Simon--Did you go through a broker? And is an exam required?

 

I applied direct to Davidshield via email, completed the application form (truthfully!), was accepted without any medical exam or provision of medical records and without any exclusions to their policy 🙂

Share this post


Link to post
Share on other sites

Thanks Simon....I am leaning towards David Shield. The quote from AA Brokers was very reasonable but I think I will check with D.S. direct. When I checked April Ins. , AA was actually cheaper than going direct with April. With D.S., over 60 has to have a blood test checking cholesterol and a couple of other things.

Share this post


Link to post
Share on other sites

Quite a few mentions about April { International } The Essential policy which most people go for I remind you that they will only pay for Private room for Accidents and emergencies. For scheduled hospitalisation they will not pay anything for a private room. Nothing at all. 

  • Thanks 1

Share this post


Link to post
Share on other sites



For scheduled hospitalisation they will not pay anything for a private room. Nothing at all. 

 

That seems rather unfair.  Surely they should pay the amount for a semi-private room at least.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 members

    No registered users viewing this page.

×
×
  • Create New...