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4MyEgo

International Medical Insurance Vs Thai Health Insurance

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Is it a confirmed fact that Immigration will only accept Thai medical insurance policies and not International medical insurance policies when applying for an extension of an OA visa?

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Have said it before and will let repeat for you again, do not be so excited about your David shields policy, there are nothing but bad feedback so far about them and it’s only sold through 1 broker at a rather cheap price with conditions not offered by anyone else.

 

you heard the saying “ when it’s too good to be true   It most likely is not “

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24 minutes ago, BestB said:

Have said it before and will let repeat for you again, do not be so excited about your David shields policy, there are nothing but bad feedback so far about them and it’s only sold through 1 broker at a rather cheap price with conditions not offered by anyone else.

 

you heard the saying “ when it’s too good to be true   It most likely is not “

 

I have had good feedback on David Shield from several people who have it.

 

I don't know how many brokers work with it but it can certainly be obtained direct from the company as well.

 

Please don't scare monger.

 

I don't know of any online sites that offer balanced consumer feedback on expat policy insurers (unfortunately...would be very useful if there was one). The only ones on there are designed for/attract almost solely people with complaints.

 

 

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14 minutes ago, BestB said:

Have said it before and will let repeat for you again, do not be so excited about your David shields policy, there are nothing but bad feedback so far about them and it’s only sold through 1 broker at a rather cheap price with conditions not offered by anyone else.

 

you heard the saying “ when it’s too good to be true   It most likely is not “

I usually find when someone posts a negative review about an insurance company, it is usually because they didn't read the policy thoroughly, that said, there are resources to bring an insurance company to the table, like an Ombudsman.

 

I have never had an insurance company not pay, whether it be for a car, house, or travel insurance, due diligence plays a big part when buying or selling something, that said, I am confident with who I have chosen as my insurer, who also covers my pre-existing cover, I don't just throw money at them in the hope that they will cough up in the event, everything is documented, and if an event occurs and they refuse to pay, well like any insurer, you then go to the Ombudsman.

 

To go off of half a dozen bad reviews on Google without substance, i.e. providing full reasons, is not a bad review in my opinion, my own research to my level of satisfaction warranted me to go with them.

 

The above said, we have moved away from what I was asking in my post. 

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Just now, Sheryl said:

 

I have had good feedback on David Shield from several people who have it.

 

I don't know how many brokers work with it but it can certainly be obtained direct from the company as well.

 

Please don't scare monger.

 

I don't know of any online sites that offer balanced consumer feedback on expat pilucy insurers (unfortunately...would be vert useful if there was one). The only ones on there are designed for/attract almost solely people with complaints.

 

 

I have contacted company direct and never received a response or a follow up, 3 times.

 

just on thai visa alone , 3 topics of “not good feedback “ Perhaps you have some links to sites where people had good feedback 

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2 minutes ago, BestB said:

I have contacted company direct and never received a response or a follow up, 3 times.

Was that for a claim, or to look at pricing a policy, or other ?

 

If you went through a broker, who doesn't charge by the way, like AA Insurance brokers in Thailand, they would be doing the leg work for you, however if you have a policy with David Shield direct, which I doubt, you would have to go through them direct, and they have a 24 hour number for claims.

 

2 minutes ago, BestB said:

just on thai visa alone , 3 topics of “not good feedback “ Perhaps you have some links to sites where people had good feedback 

I have not seen this "not good feedback" on TVF, perhaps you can provide that for us ?

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29 minutes ago, Sheryl said:

It will be accepted for initial visa application IF the insurer will fill out a specified form (which most will not due to how it is worded) OR  the Embassy/Consulate issuing the visa agrees to accept other documentation.

 

Once the period of the insurance (notated by the Embassy on the visa) ends, which will usually be not more than 1 year, only Thai policies in the "list" will be accepted.

 

One possible option for people newly coming here might be to use the OA only for the duration of their foreign insurance then return to their country abd get a new OA visa again applting their foreign insurance (assuming Embassy/Consulate accepts it). This could work for someone who is not seeking to totally settle in Thailand but rather just soend a lot of time here....probided they can find a solution to the "certificate" problem.

 

It is indeed the case that many of us would not be able to get one if the designated Thai policies (cost aside) due to age or pre existing conditions. Majority of the listed companies  do not newly insure past age 65 and also do not renew for life.

 

There are a few  exceptions; as long as not over 75 and having no pre existing conditions some sort of policy can be obtained. And healthy people under 60 have several options. But over 75 or with pre-existing conditions, there are currently  no options.

 

There is a pinned thread in this forum that summarizes these policies.

 

It is true that the regulatory framework for Health Insurance in Thailand is quite weak/unfavorable and allows things that Western insurers would not be allowed to do. It is also true that local  underwriters have poor training/undestanding of medical conditions and are unable to make complex decisions/distinctions so will tend to just reject an applicant or apply sweeping exclusions that make little sense.

 

The health insurance sector in Thailand is quite small since Thais have universal cover through government schemes. Most of the compsnies on the list primarily do motor vehicle, life, accident insurance and health is a tiny sideline; a few have never done health insurance before.

Is there someplace online that I can find that "specified form" that the foreign insurer must fill out? 

Not that I expect Thai bureaucrats to be logical, but I have a worldwide policy written by an American insurer that has limits far above what any Thai policy will pay out and it seems more than a bit bizarre that such a policy would be deemed inadequate.
 

Edited by suzannegoh

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3 minutes ago, suzannegoh said:

seems more than a bit bizarre that such a policy would be deemed inadequate

Not inadequate, just not profitable (for them).

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13 minutes ago, 4MyEgo said:

Was that for a claim, or to look at pricing a policy, or other ?

 

If you went through a broker, who doesn't charge by the way, like AA Insurance brokers in Thailand, they would be doing the leg work for you, however if you have a policy with David Shield direct, which I doubt, you would have to go through them direct, and they have a 24 hour number for claims.

 

I have not seen this "not good feedback" on TVF, perhaps you can provide that for us ?

Claim, I believe it was posted by petermilk and another by Simon and third one I do not recall by whom 

 

I contacted them direct 3 times to get a quote., sales,  and no response or follow up at all

Edited by BestB

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SUZANNEGOH:  It is on the longstay.tgia website. Click on O-A visa then on "companies" and on top of the page is a downliad link.

 

I believe the reason foreign policies are not accepted other than initially comes from Office of Insurance Commission (OIC) regulations which regulate who cab and cannot sell insurance to residents of Thailand. Companies have to go through a process to get "admitted" to provide insurance in Thailand and that pricess seems to require that a Thai company be the actual underwriter. (A protectionist measure presumably). Hence even though there are a few foreign insurance companies licensed to provide insurance in Thailand they can't do their own underwriting and that plys OIC requirements for standard provisions in insurance contracts results in their policies and practices being quite different from the international patent company.

 

The assumption seems to be that people coming on an OA are goinh to permanently settle in Thailand so to keep their international cover would have to renew the policy in Thailand which then runs afoul of OIC rules on who can sell insurance to residents of Thailand. (In practice many expats living in Thailand buy foreign policies online).

 

I don't think it occurred to them that people on OA visas might periodically return to their home country and could keep buying insurance from thete.

 

As I understand it the Health Ministry was fine with the idea of foreign policies. But would have needed the OIC's cooperation and OIC is very rigid and opposed it.

 

To date no US insurer has signed the "foreign insurance certificate" and I doubt any ever will. You'll understand why when you read it.

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10 minutes ago, BestB said:

 

I contacted them direct 3 times to get a quote., sales,  and no response or follow up at all

I contacted them once for a quote, by email, and got an immediate reply.

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11 minutes ago, Sheryl said:

It is on the longstay.tgia website. Click on O-A visa then on "companies" and on top of the page is a downliad link.

 

I believe the reason foreign policies are not accepted other than initially comes from Office of Insurance Commission (OIC) regulations which regulate who cab and cannot sell insurance to residents of Thailand. Companies have to go through a process to get "admitted" to provide insurance in Thailand and that pricess seems to require that a Thai company be the actual underwriter. (A protectionist measure presumably). Hence even though there are a few foreign insurance companies licensed to provide insurance in Thailand they can't do their own underwriting and that plys OIC requirements for standard provisions in insurance contracts results in their policies and practices being quite different from the international patent company.

 

The assumption seems to be that people cominh on an OA are goinh to permanently settle in Thailand so to keep their international cover would have to renew the policy in Thailand which then runs afoul of OIC rules on whi can sell insurance to residents of Thailand. (In practice many expats living in Thailand buy foreign policies online).

 

I don't think it occurred to them that people on OA visas mihht periodically return to their home country and could keep buying insurance from thete.

 

As I understand it the Health Ministry was fine with the idea of foreign policies. But would have needed the OIC's cooperation and OIC is very rigid and opposed it.

 

To date no US insurer has signed the "foreign indurance certificate" and I doybt any ever will. You'll understand why when you read it.

Thanks for the tip about where that "Overseas Insurance Certificate" form is.  My insurance policy is sold by Aetna International and is underwritten by Aetna's headquarters in Connecticut.  Now that Bupa is owned by Aetna, do you think that their is any chance than Aetna in Thailand would sign off on that Overseas Insurance Certificate for me?

 

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