Jump to content
BANGKOK
Sheryl

"Cheat Sheet" for Longstay Insurance Policies

Recommended Posts

2 hours ago, Sheryl said:

By that criteria at present (with still missing info from some companies) the only ones listed that could be considered would be (in alphabetical order):

 

AETNA if you can apply before age 60

Pacific Cross

Thaivivat

and maybe LMG (conflicting statements)

 

Sheryl, did you catch the post earlier today here by a member who said he had contacted Viriyah, and that they supposedly would renew up to age 100 for their O-A policies, even though the chart on their O-A webpage only includes premiums up to age 70 or so?

 

 

 

Edited by TallGuyJohninBKK

Share this post


Link to post
Share on other sites
48 minutes ago, TallGuyJohninBKK said:

 

Sheryl, did you catch the post earlier today here by a member who said he had contacted Viriyah, and that they supposedly would renew up to age 100 for their O-A policies, even though the chart on their O-A webpage only includes premiums up to age 70 or so?

 

 

 

No, I missed that, thanks for pointing it out. I will try to get some confirmation in writing via email. Especially re guarantee of renewal.

 

That makes 1 insurer at this point available for people over 75. But the costs are ridiculous  - once over 80 you could get an Elite Visa plus real insurance for the same or less. For that matter, when you add in the additional premiums for real insurance (which one should have), even under 80 it is more expensive than the Elite route.

 

I have an elderly relative I will likely need to move to stay with me in Thailand in the coming years (really elderly, like 90, but very healthy, not on a single medication) and was wracking my brains as to how we'd afford an Elite visa plus (real) health insurance. This unfortunately doesn't offer a real alternative. In fact given that on top of this we'd have to have a real policy, we'd end up spending ways.

 

I have a feeling those who insure past 75 but don't post their rates or say "case by case" would be at least this costly as well.

Share this post


Link to post
Share on other sites

Udated the attachment with new information.

Share this post


Link to post
Share on other sites
On 10/14/2019 at 8:12 AM, watgate said:

Sheryl- When I click on your link it says"This file does not have an app associated with it for performing this action. Please install an app or, if one is already installed, create an association in the Default Apps Settings page".  I have no idea what they are referring to. I don't have Word so can that possibly be the reason why I can't open up your link? Any info would be appreciated.

LibreOffice is a free version of Microsoft Office and they have a Calc application that is the equivalent of Excel.  Download and install LibreOffice and you can open the document using Calc. 

Share this post


Link to post
Share on other sites
On 10/14/2019 at 8:00 AM, Sheryl said:

Not sure why you can't open it? It is an Excel document.

The spreadsheet is too large to fit into a thread hence the attachment.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

I recommended that he use the free LibreOffice app to read the spreadsheet which will open the spreadsheet with no problem (that's how I read it as I don't have MSOffice).  However, you could Export as PDF and then people would just need a PDF viewer like the free Adobe Acrobat app to look at the spreadsheet as a PDF document.

Share this post


Link to post
Share on other sites

Update: still no product from Sompo and no information from Dhipaya.

 

Meanwhile previously listed products from Thavivat seem to have vanished from the link. I have emailed an inquery.

 

 

  • Thanks 1

Share this post


Link to post
Share on other sites
1 hour ago, Sheryl said:

The pinned thread is locked, please do any discussing here

 

Sheryl, in your Word doc, you have comments re Pacific Cross saying "but not clear re enrolment age."  

 

Do you mean at what ages they'll accept new policy holders, or at what ages they'll renew existing policy holders?

 

What exactly is not clear about their policies regarding that?

 

Edited by TallGuyJohninBKK

Share this post


Link to post
Share on other sites
1 minute ago, TallGuyJohninBKK said:

 

Sheryl, in your Word doc, you have comments re Pacific Cross saying "but not clear re enrolment age."  By that, I'm assuming you mean their ages for being willing to renew existing policies as policyholders get older.

 

What exactly is not clear about their policies regarding that?

 

 

No I do not mean renewal age. That is lifetime for all policies.

 

I mean the maximum age at which they will newly enroll someone. It is clear that the Platinum policies will enroll up to 75 but I could not find anywhere up to what age they would newly enroll for the other plans.

Share this post


Link to post
Share on other sites

Update: I just got reply from them confirming all policies available up to age 75. And deductibles are an option for all plans inc the Platinum.  Chart edited accordingly.

  • Thanks 1

Share this post


Link to post
Share on other sites
9 minutes ago, Sheryl said:

Update: I just got reply from them confirming all policies available up to age 75. And deductibles are an option for all plans inc the Platinum.  Chart edited accordingly.

 

Have you gotten any clarity along the way of whether a policy having some deductible level is either going to be OK or not OK in terms of the insurer being willing to issue the necessary insurance certificate for Immigration?

 

For example, Pacific Cross's lowest annual deductible option for their regular (non-OA policies) AFAIR is 40,000 baht for the year, which just happens to be the same amount as the minimum required OPD coverage.

 

I've been wondering, for example, whether in the O-A world they'd issue an insurance certificate for someone who's policy coverage met the 400K/40K minimum, but also had a 40K annual deductible before the actual insurance coverage would kick in....

 

At least with Pacific Cross and their non O-A policies, the deductibles are a good way to significantly lower the standard rate policy premiums.

 

Share this post


Link to post
Share on other sites
18 minutes ago, Sheryl said:

Update: I just got reply from them confirming all policies available up to age 75. And deductibles are an option for all plans inc the Platinum.  Chart edited accordingly.

 

I believe for new customers, I think Pacific Cross will require a standard medical exam that they'll pay for or reimburse once the applicants reach a certain age... I believe 65 and above.

 

Less than that, I think they just accept a patient's declaration of past medical history.

 

Meanwhile, here's some of the full age range premium lists I have for Pacific Cross and their various regular (non O-A) policies:

 

267036749_PacificCrossStandardPremierPremiums2019forALLAges.jpg.e566f2dd882e829879ab0432987600ce.jpg

 

1268898196_PacificCrossMaximaPremiums2019forALLAges.jpg.4272cef19f1b6de3e3ecd3cd5d550f2c.jpg

 

Share this post


Link to post
Share on other sites

Are those premiums including the optional OPD cover?

Share this post


Link to post
Share on other sites
48 minutes ago, Sheryl said:

Are those premiums including the optional OPD cover?

The short answer is yes...regarding the Pacific Cross rates above including their OPD coverage.

 

I know for sure the Maxima and Ultima plans by default include OPD as part of the overall coverage... And then the policy holder has the option to delete OPD for a premium deduction.

 

Premier series also includes OPD by default, but not unlimited (up to the overall policy maximums) like Maxima and Ultima...

 

591814732_2019-10-2115_29_01.jpg.88eb4e4364da7075fefec6bec18896d4.jpg

 

Standard Plus and Standard extra are similar in that they include OPD by default, but with lower coverage limits both overall and for OPD...

 

1616920759_2019-10-2115_30_56.jpg.c0104876a1c46ea55dc4091f5a44c3a4.jpg

 

Also, I don't know how the 1500b or 2000b per outpatient visit coverage terms, with up to 30 visits per year, is going to fare in terms of O-A compliance vs. the required 40K outpatient coverage amount.

 

Hopefully Pacific Cross can advise on that, and on the issue of whether policies with deductibles but otherwise compliant policy limits are going to be OK.

 

4 Standard Plan (1).pdf

 

3 Premier Plan.pdf

 

2 Maxima Plan.pdf

 

1 Ultima Plan.pdf

 

 

Edited by TallGuyJohninBKK

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...