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BANGKOK 18 April 2019 23:35
dugrasu

Health Insurance - AXA or LUMA or AIA or Cigna Global

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Posted (edited)

Hi wise friends on ThaiVisa forum,

 

I've been working Bangkok for 3 years.  I've been using Cigna Global silver plan (China -> Thailand) for 5 years but it seems like many of the international hospitals don't accept direct billing with them so the few times I went to Bumgrungrad, I had to pay out of pocket. 

 

My partner (41) and I (36) are shopping for new health insurance in Thailand. After doing some research, it seems like many insurance policies have quite low coverage/high premium for outpatient, so I'm mostly looking for health insurance with good inpatient coverage (critical illness, cancer (full coverage as my family has history of various cancers), accidents (outpatient/inpatient), global emergencies), direct billing with international hospitals and competitive premium (25-40k THB/year).  So far I have narrowed it down to these 4 companies but leaning towards the first two.   (I will also share with you all, what I learned from my research so others can also benefit from this post)

 

AXA  (SmarCare Optimum Classic/Deluxe) 2.5-5M annual limit, emergency out-patient 50-70k cover, outpatient cancer 300-500k, emergency oversea limit 1.5-2.5M, accident dental up to 25-50k, premium 33-44k/year

 

LUMA (Asia Care Plus / Asia Care First)  (very responsive and easy to understand plans, 32M annual limit, cancer treatment (both inpatient and outpatient), emergency dental, premium 35-55k/year for plan 1, zone C), relatively young company as I couldn't find many company info nor reviews.   

 

AIA  (too many options and add-ons to life insurance, quite confusing, relatively low coverage 500k-2M but reputable company and fixed premium)  My understanding is that AIA focuses more on life insurance than health insurance

 

Cigna Global Gold (high coverage, relatively low premium, full cancer coverage, not as widely accepted in international hospitals in Bangkok (no direct billing?), at least in my case, Cigma Global Silver, not as simple to use here)

 

Has anyone used any of the above 4 companies,  how is it?   

Please share with us your experience, pros & cons. 

 

Thank you very much!

TJ-

 

Edited by dugrasu
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The main problems with Cigna is that one has to call the UK for everything (or the hospital does), they do nto always respond to emails. And their customer service people are, to be charitable, a bit disorganized, Nothing sinister, just inefficient biordering n ditzy, So it can take a lot of follow up. 


Ironic really that they don't stop calling and emailing once you ask for a quote. I must have 10+ emails from them coming from some rep in UK/UAE. Puts me off signing up when they are so desperate to sign you up

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13 hours ago, scubascuba3 said:


 

 


Ironic really that they don't stop calling and emailing once you ask for a quote. I must have 10+ emails from them coming from some rep in UK/UAE. Puts me off signing up when they are so desperate to sign you up

 

 

The sales people are an entirely different group from those who manage policies.

 

Aggressive calling is typical of not just Cigna but most insurance companies. I always advise people not to give their phone number when requesting an insurance quote online. If the phone number field is mandatory enter a string of zeros or nines.

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Pacific Cross pay out patient direct to the hospital, you have to wait a few minutes while the contact them, I have never had to pay upfront for any hospital visit with them

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Just now, offset said:

Pacific Cross pay out patient direct to the hospital, you have to wait a few minutes while the contact them, I have never had to pay upfront for any hospital visit with them

How much are your yearly bills? I asked, because I am interested in the individual increase after claims?

I read in the contract, when you use more than 200% of the yearly insurance premium, then they "can" increase.

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My bills have never been that high but my son had a claim of 3 times his premium and there was not increase New Years premium but his premium is only 16000  baht a year

 

I cannot see anything about the increase of 200% in my contract but to be honest I only read it quickly, so maybe you can show me where it states that

 

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Thank you all for your inputs!  and thank you especially to Sheryl for very detailed reply.  And maybe contrast to what I thought, I was only covered for inpatient with Cigna and that's why I couldn't use it.  (silly me) However, like you said, it seems like adding on outpatient coverage for such high premium in Thailand, does seem like waste of money.  

 

 I will look into April International as it sounds like it has more presence in Thailand and the rest of the world, thus easier to communicate than Cigna.  

 

Thank you!  

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9 minutes ago, dugrasu said:

Thank you all for your inputs!  and thank you especially to Sheryl for very detailed reply.  And maybe contrast to what I thought, I was only covered for inpatient with Cigna and that's why I couldn't use it.  (silly me) However, like you said, it seems like adding on outpatient coverage for such high premium in Thailand, does seem like waste of money.  

 

 I will look into April International as it sounds like it has more presence in Thailand and the rest of the world, thus easier to communicate than Cigna.  

 

Thank you!  

I am with April , they have office in Bkk. Premiums are not the cheapest but really high coverage. Had a surgery , they paid directly with the hospital. Called to confirm and called to follow up after the surgery .

cover per year from memory 5 million euro. Can pay yearly or quarterly 

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2 hours ago, dugrasu said:

Thank you all for your inputs!  and thank you especially to Sheryl for very detailed reply.  And maybe contrast to what I thought, I was only covered for inpatient with Cigna and that's why I couldn't use it.  (silly me) However, like you said, it seems like adding on outpatient coverage for such high premium in Thailand, does seem like waste of money.  

 

 I will look into April International as it sounds like it has more presence in Thailand and the rest of the world, thus easier to communicate than Cigna.  

 

Thank you!  

 

Yes, I changed from Cigna to April for exactly this reason.

 

Make sure you get the international policy from  April global and  not the My Health Thailand policy.

 

You can get through AA brokers.

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Be advised, if you go with April International ' Essential' policy which I suspect most will the hospitalisation is based on a twin room.

For accidents and emergencies they will cover the cost of  a private room in the absence of a twin room. For 'scheduled hospitalisation' they will NOT cover a private room. At all.

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2 hours ago, BestB said:

I am with April , they have office in Bkk. Premiums are not the cheapest but really high coverage. Had a surgery , they paid directly with the hospital. Called to confirm and called to follow up after the surgery .

cover per year from memory 5 million euro. Can pay yearly or quarterly 

May I ask when you joined April [ was that April International ] and if so was it the 'Essential' policy.?

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HCI looks relatively cheap until 70. Anyone got experience of those? $2,000 deductibleScreenshot_20190322-225606_Adobe%20Acrobat.jpeg

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2 hours ago, pontious said:

May I ask when you joined April [ was that April International ] and if so was it the 'Essential' policy.?

My policy is called Ambassade

Type of cover: from the 1st euro
Level of cover: Medium
Option: Hospitalisation only at 100% of actual costs

Zone of cover: 3

 

i believe from memory , zone 3 is south east Asia 

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