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mjakob007

Which medical insurance do you use

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I am shopping for a medical insurance as i plan to relocate to Thailand during this year.

purpose for this insurance is to fulfill visas requirements as well as pay for our medical needs.

 

currently i am working overseas and hence company insurance covers us. Relocating to Thailand, I have to fend for myself and hence need to mitigate the health risk.

 

1. which insurance company did you choose

2. What was your criteria for the choice?

 

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1 Aetna

2 Recommended by other ex-pats....Got sick of researching all the Insurance companies and trying to weigh the benefits up. What you pay depends on what level of cover you get. I had one small claim and was payed out with little fuss.. They respond to email with quires quickly... Would recommend.. My criteria was reputable insurance...  

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The most important is not only the cover level but how easy (and whether at all) insurer will pay your claims. 

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2 hours ago, mjakob007 said:

purpose for this insurance is to fulfill visas requirements as well as pay for our medical needs.

And believe you will find those two do not equate of one insurance.  Might be better to avoid O-A visa requirements (enter on O or change status once here) and obtain international insurance from reports I have seen.

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I had very good experiences with AXA Thailand.  I had an annual international healthcare policy which covered me when I had a TIA and later a triple bypass.  Both events were paid in full by AXA direct to the hospital, the bypass operation being around THB1.2M I recall.

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Posted (edited)

I use a Hanse Merkur private medical insurance that costs 89 Euro and has a very good plan including dental.

 

Before you leave your home country you should check if your country offers extended 5 year traveller insurance. It covers you worldwide, is quite cheap, and there are some very good packages. The catch is you have to be a resident in that country and be a 'traveller' on paper. So that policy would not work if you go to your own country, only outside, like Thailand and any other country except the US or Canada.

 

But you can be outside your home country for up to 5 years. Supposedly travelling.

Edited by Logosone
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On 4/28/2020 at 12:33 PM, Logosone said:

I use a Hanse Merkur private medical insurance that costs 89 Euro and has a very good plan including dental.

 

Before you leave your home country you should check if your country offers extended 5 year traveller insurance. It covers you worldwide, is quite cheap, and there are some very good packages. The catch is you have to be a resident in that country and be a 'traveller' on paper. So that policy would not work if you go to your own country, only outside, like Thailand and any other country except the US or Canada.

 

But you can be outside your home country for up to 5 years. Supposedly travelling.

But you have to pay first and get reimbursed,correct?

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As i travel a lot i have Cigna international health insurance for 1 mm USD coverage.

Luckily i never needed it but according others it is a good insurance company.

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23 hours ago, merijn said:

As i travel a lot i have Cigna international health insurance for 1 mm USD coverage.

Luckily i never needed it but according others it is a good insurance company.

 

I've been talking to them recently, and they seem quite good and well priced, the policies seem good, but I need to investigate further. They say that claims do not affect subsequent premiums. 

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On 6/11/2020 at 5:55 AM, merijn said:

As i travel a lot i have Cigna international health insurance for 1 mm USD coverage.

Luckily i never needed it but according others it is a good insurance company.

I had reached ut to Cigna, but they claimed not to cover thailand.

can you please send me contact for Cigna?

 

do they include C19 cover? 

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2 hours ago, mjakob007 said:

I had reached ut to Cigna, but they claimed not to cover thailand.

can you please send me contact for Cigna?

 

do they include C19 cover? 

Yes they cover C19 (i have in writing)

I will sent contact details later per pm.

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On 6/16/2020 at 5:36 PM, merijn said:

Yes they cover C19 (i have in writing)

I will sent contact details later per pm.

 

I too would appreciate contact details for Cigna. Thanks.

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6 hours ago, Crossy said:

 

I too would appreciate contact details for Cigna. Thanks.

The guy I have been speaking to is

 

Jimmy Phillips
Multilingual Sales Executive

Global Individual Private Medical Insurance

 

[email protected]

 

He is based out of Dubai. From his accent, sounds Scottish.

 

I'm sure he won't mind me posting these details. If it is inappropriate then moderators please remove.

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