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Felt 35

April Insurance

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Anyone who use them and live in Thailand and can share their experience?

 

Thanks

Felt

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They will not take anyone over 70.

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How old can you be for first time policy and if you do it before 60 how long can you renew?

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On 7/26/2019 at 3:17 PM, Felt 35 said:

How old can you be for first time policy and if you do it before 60 how long can you renew?

Not sure if you are aware but there are potentially 2 different April's. There is the Thai based plan and then the International Plan which I think is run out of the UK. The Ts and Cs of each plan should give you answers and if not I found the customer services/sales of each responded very promptly to questions when I was searching last year. 

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7 hours ago, topt said:

Not sure if you are aware but there are potentially 2 different April's. There is the Thai based plan and then the International Plan which I think is run out of the UK. The Ts and Cs of each plan should give you answers and if not I found the customer services/sales of each responded very promptly to questions when I was searching last year. 

I think April International is based in France,

UK one is Cigna International

 

Try to use the International ones instead of the Thai based!

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Been with them for 3 years. Claims are easy and fast. They have office in BKK.

 

Premium up every year, not by much but about 3%-5%

 

i only have Inpatient cover , they paid in full but any medication to take home they do not pay . They also pay for outpatient follow up after hospitalazation up to 6 visits from memory.

 

can pay yearly or every 3 months 

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5 hours ago, HampiK said:

I think April International is based in France,

UK one is Cigna International

 

Try to use the International ones instead of the Thai based!

You are correct in that they are indeed a French based business but they also presumably have local operations as the person who I dealt with had a UK email and web site and said this in one email-

Quote

Of course if you do wish for our help with anything here at APRIL International UK, f

There are of course many other International plans of which Cigna is but one and totally agree with your reccomendation.

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20 hours ago, BestB said:

Been with them for 3 years. Claims are easy and fast. They have office in BKK.

 

Premium up every year, not by much but about 3%-5%

 

i only have Inpatient cover , they paid in full but any medication to take home they do not pay . They also pay for outpatient follow up after hospitalazation up to 6 visits from memory.

 

can pay yearly or every 3 months 

 

I have it to (he international one). Very happy with it. I got it through AA Brokers and very happy with them as well.

 

They do cover take home medications but you have to pay first and get reimbursed same as for the follow up visits. Which are unlimited but within the 30 days after discharge. I was fully reimbursed for about 60K baht of discharge meds and follow up OPD visits after a recent hospitalization. Again, I have the international plan, don't know if the Thailand plan differs,

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35 minutes ago, Sheryl said:

 

I have it to (he international one). Very happy with it. I got it through AA Brokers and very happy with them as well.

 

They do cover take home medications but you have to pay first and get reimbursed same as for the follow up visits. Which are unlimited but within the 30 days after discharge. I was fully reimbursed for about 60K baht of discharge meds and follow up OPD visits after a recent hospitalization. Again, I have the international plan, don't know if the Thailand plan differs,

I also have international one. IPD only cover.

Meds to take home after discharge they did not cover in my case, 

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57 minutes ago, BestB said:

I also have international one. IPD only cover.

Meds to take home after discharge they did not cover in my case, 

 

Any idea why? They normally do.

Paid for it in full for 2 hospitalizations for me.

 

Did you by chance have a deductible? As if so they may deduct from home medication costs  for that.  Other than deductible I can't think why they would nto have paid for your meds.

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1 hour ago, Sheryl said:

 

Any idea why? They normally do.

Paid for it in full for 2 hospitalizations for me.

 

Did you by chance have a deductible? As if so they may deduct from home medication costs  for that.  Other than deductible I can't think why they would nto have paid for your meds.

No deductible . They told me any medication IPD they paid but anything OPD they do not . 

 

Medication in question was pain killers and antibiotics after the surgery.

 

They also covered my follow up visits but not all . From memory they said up to 4-6 but I could be confused and it was indeed 30 days as you mentioned , this is why they only covered some not all. 

 

I was and still happy with service , fast responses , but not the cheapest player on the market . I guess as they say you get what you pay for 😄

 

PS. Thinking about it more , I think paying for meds has to do with how doctor fills out the documents. 

Edited by BestB

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Thanks for the replies. Do April demand a physical check up to be approved their insurance plans?

Felt

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4 minutes ago, Felt 35 said:

Thanks for the replies. Do April demand a physical check up to be approved their insurance plans?

Felt

No, and very flexible with BMI or at least use to be when i took out my cover.

In my case, i also had shoulder surgery 10 year prior, all other companies excluded shoulder and all related immediately even after were provided with doctors report of all being cleared.

 

April, did not even ask for report, just detailed explanation of what took place and did not exclude it and did not put any loading.

 

When i lodged my first claim for hernia surgery, i was little worried they might start asking questions.

 

Instead i received friendly phone call from the agent in BKK, just confirming i was about to have surgery, which hospital and wished me speedy recovery.

 

About a week after, i received a follow up call, just confirming how surgery went and if i was well and happy(i am guessing this phone call was prior to paying the hospital)

 

Really could not fault anything, besides high premium, haha

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On 7/31/2019 at 5:35 AM, Sheryl said:

 

I have it to (he international one). Very happy with it. I got it through AA Brokers and very happy with them as well.

 

They do cover take home medications but you have to pay first and get reimbursed same as for the follow up visits. Which are unlimited but within the 30 days after discharge. I was fully reimbursed for about 60K baht of discharge meds and follow up OPD visits after a recent hospitalization. Again, I have the international plan, don't know if the Thailand plan differs,

Sheryl,

Could you tell us which April international policy you have, whether you elected deductible, what is premium like, etc.? Website shows three choices and lots of possible matching. Would be good to know what kind of policy you believe economically reasonable yet secure for expats in Thailand who also travel abroad.

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I have the international policy issued out of France, not My Health Thailand.

 

Essential policy or some such name (the level below "Comfort") and a $500 US deductible. It covers me in most countries with a few exceptions (US, UK, Hong Kong, Singapore and I forget where else) but will cover those places too for emergency care if trip is less than a certain duration.

 

One warning: my policy pays actual costs of standard room but they have since revised it and newly issued policies apparently limit reimbursement for room charge. No effect for those of us who already have policies but something to consider for those newly considering it i.e. you may want to take higher level policy or else plan on paying extra for room charges. Or get a different policy.

 

April international policies do not meet Thai immigration requirements for OA visa.  I believe a policy from April Thailand can because they are underwritten by one of the "listed" companies, LMG, but should double check that before buying a policy. A big limitation for April Thailand is that they guarantee renewal only to age 90.  Especially if insurance is a visa requirement, that could lead to major problems at an advanced age when you can least handle it.

 

I absolutely do not have the time (nor the training) to serve as an informal insurance broker for TV members. PLEASE work through  ha professional broker.

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