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BANGKOK 19 April 2019 09:47
Dooball

Health insurance which cover pre-existing conditions

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I have plans to move to Thailand with my Thai wife but will not do so until i have proper medical health insurance which includes my pre-existing conditions.
A few years ago i read someones post on this forum about a European, i believe French insurance company covering pre-existing conditions. Unfortunately i can't find that post or remember the name of the company. He paid 5000 or 6000 thb monthly. Does anyone know the name of this insurer?

 

I'm 32 and suffer from an autoimmune disease, lots of allergies and asthma.
I have had no treatment for the autoimmune disease for over 5 years now because i have found a way to keep it under control just with diet. For the asthma i use an inhaler.
Some insurance companies drop the exclusion of the pre-existing condition if it's in remission or not been treated for the past 2 years.

I have no plans to work the coming 2 years so Thai social health care is out of the question. Leaving only private health care left.

 

What do you pay for your private health insurance, and are your pre-existing conditions covered? (medicaid and NHS excluded).

 

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I don't know of any insurance company that would cover you for the asthma.  The autoimmune disease, if it has nto required treatment for 5 years, possibly but no guarantee.

 

Sometimes insurers will include cover for pre-existing conditions in exchange for a higher premium on an individual basis.


You should work with a broker for advice on your specific needs.

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Thanks, luckily asthma medication is quite cheap.

Do you know of any good brokers?
I read that Thai insurance companies are terrible in coverage and include a lot of small fineprints. Is that true?

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Posted (edited)
1 hour ago, Dooball said:

Do you know of any good brokers?

AA Insurance brokers have a good reputation. Ask for Jenny if she still works there.

Edited by Bang Bang

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+1 re AA brokers.

 

Jenny is still there.

jenny@aainsure.net

  • Like 1

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It also depends where you from. For example if you from swiss.. and you have the correct swiss insurance already you could keep that one also when you leave Switzerland. Therefore the preexisting conditions would be covered. As swiss insurance can not reject any preexisting coverage for basic health insurance. They only can deny for additional coverage.

Check with your country how it is handled there. For the example of the swiss on of course they are very expensive. For my case it would be about 150'000 Baht per year compared with Cigna of only 60'000 Baht. And Swiss even would have a deductible of about 10'000 Baht per year. So if you not have any preexisting conditions or only small ones which not give you a big exclusion list.. I would recommend to go of course for an international one. But at least if you already have problems, this could be an advantage even when it is expensive 🙂

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Posted (edited)

With those pre existing conditions don't come to Chiang Mai you wont make it to the first payment in this disgusting smog soup🤔

Edited by sammieuk1
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David shield insurance covers preexisting conditions but very little known about the company with very few reviews or feedback but Is offered by AA brokers 

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3 hours ago, BestB said:

David shield insurance covers preexisting conditions but very little known about the company with very few reviews or feedback but Is offered by AA brokers 

 

it has a good reputation AFAIK.

 

Has been around a long time but was originally just for Israeli expats, recently branched out globally.

 

It does not routinely cover pre-existing ocnditions but on a case by case basis may do so at a higher premium.

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22 hours ago, Bang Bang said:

AA Insurance brokers have a good reputation. Ask for Jenny if she still works there.

 

20 hours ago, Sheryl said:

+1 re AA brokers.

 

Jenny is still there.

jenny@aainsure.net

Thanks, will contact AA brokers then.

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Posted (edited)
9 hours ago, HampiK said:

It also depends where you from. For example if you from swiss.. and you have the correct swiss insurance already you could keep that one also when you leave Switzerland. Therefore the preexisting conditions would be covered. As swiss insurance can not reject any preexisting coverage for basic health insurance. They only can deny for additional coverage.

Check with your country how it is handled there. For the example of the swiss on of course they are very expensive. For my case it would be about 150'000 Baht per year compared with Cigna of only 60'000 Baht. And Swiss even would have a deductible of about 10'000 Baht per year. So if you not have any preexisting conditions or only small ones which not give you a big exclusion list.. I would recommend to go of course for an international one. But at least if you already have problems, this could be an advantage even when it is expensive 🙂

Thanks for the tip. I actually already investigated the possibility of bringing my current health insurance to Thailand. Until 8 years ago or so that was indeed possible for my acountry, but not any longer.

Over the years i have learned a lot about my conditions to a point i know how to deal with it. I'm not worried about those.
What i do worry about is contracting cancer, heart attack, stroke, etc. things like that. If fate strikes i don't want to end up with a bill of millions of baht.

Edited by Dooball

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9 hours ago, sammieuk1 said:

With those pre existing conditions don't come to Chiang Mai you wont make it to the first payment in this disgusting smog soup🤔

Yeah i'm not planning to :) You can keep Chiang mai and Bangkok.
Been to Chiang mai only once, but Bangkok always gets me! Instant bronchitis and worsening of asthma.

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Posted (edited)

Out of curiosity, is anyone willing to share their premium? How much do you pay?
I pay around 5500 THB in my country for full cover, no exclusions and access to any medication. No co-pay or very little.
I guess in Thailand premiums are double that amount?
 

Edited by Dooball

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How do these companies define a pre-existing condition given there is no medical ? Or is that the rabbit they pull out of the hat at claim time?

I realise some things are obviously pre-existing but are they going to say "based on the size of your tumour, we consider it a pre-existing condition" ?

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Peterw42, i just had exacty the same question on mind.

What if i end up with an IBD flare in Bangkok hospital, how will they know it's not something new? I can just say it's the first time it ever happened to me. Same for the Asthma, after a year i could go to the pulmunologist and say i have breathing problems.

It's unfair, but so are the insurance companies.

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