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Health Insurance For 66 year Old Expat


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Hi There,

 

I am 66 years old. I am a retired English expat who has been here 17 years.

 

I have self funded my health care since I have been here.

 

There is some mention of the Thai government wanting to get expats to take out medical insurance cover.

 

Yes I know it is not decided yet, but I thought I would have a search around to find out what sort of cover I could get and what it would cost.

 

My initial search on this subject came back with so many companies and options that I almost gave up - too much information.

 

I am hoping that someone in a similar age group to me could possibly point me in the direction of an insurance company in Thailand that is fairly reputable and offers a full service of health care for people of my age group.

 

Thanks for your help.

 

 

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I have 2 years on you and presently looking at Pacific Cross. Full medical will be required prior to acceptance and have been informed premium cost will only be revealed once medical has been reviewed.
 

I have all the forms on hand if you require PM me an e mail address.

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53 minutes ago, dsfbrit said:

 

I am hoping that someone in a similar age group to me could possibly point me in the direction of an insurance company in Thailand that is fairly reputable and offers a full service of health care for people of my age group.

65, my insurance is 70k a year, i use a broker, PM if you want details.

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Sheryl, thanks very much for the reply.

Funnily enough I have my car insurance through AAInsure, so I may as well contact them and see what they have to recommend.

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I am 66 years old and with a UK company (William Russel). I started with them 15  years ago when the premium was an affordable 900 pounds a year for in-patient cover with 1000 GBP excess.  Fast forward to a year ago when the premium increased from 2954 to 4322 GBP, and this year it has gone up further to 4986 GBP which represents a 69 pc increase over 2 years. So in six years I could be looking at 10,000 GBP a year and by the age of 80 it will be 20,000+.

 

Clearly continuing with this policy is not sustainable if I wish to stay in Thailand for another 20 years (my father lived until 95 and my uncle until 107). At some point I will have to return to the UK for free NHS treatment, or stay in Thailand and self fund my health needs.

 

However I have just had my annual medical and basically have no pre existing conditions so I am 'free' to switch companies. I am currently looking at alternative non-Thai companies that could offer a reasonable level of cover for the SE Asia region. Hopefully I will be able to find one.

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As said above contact aainsure in Pattaya. They will suggest a French company called April insurance who insure up to the age of 70..about 80k baht a year inpatient only for 500k usd per year cover. No medical required.

Edited by Keyser Soze666
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12 hours ago, rumak said:

I self insure.   Which for those of you who like to question what that means ( even though it is self explanatory) .....   I pay for my own medical care.  

 

 

 

That is not what it means.  Uninsured people also pay for their own health care (for that matter, most insured people pay for outpatient care).

 

Self-insured means you have sufficient funds set aside to be able to suddenly pay for even a catastrophic illness or accident. 3-4 million is the minimum for that if using private hospitals, at least 1 million if using government facilities.

 

And, you are either able to replenish it or you have a clear plan what you will do after it is spent.

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1 hour ago, Sheryl said:

 

That is not what it means.  Uninsured people also pay for their own health care (for that matter, most insured people pay for outpatient care).

 

Self-insured means you have sufficient funds set aside to be able to suddenly pay for even a catastrophic illness or accident. 3-4 million is the minimum for that if using private hospitals, at least 1 million if using government facilities.

 

And, you are either able to replenish it or you have a clear plan what you will do after it is spent.

well,  i have deleted my long answer .   I realize that once you have your mind set on something it is no use to offer other opinions.  this is  of course the common theme of people on forums.    Thank you for telling me what my use of self insured means to you.   Now you can see if Wikipedia will agree to change their definition which seems to agree more with my use of it.:

Self-insurance is a situation in which a person or business does not take out any third-party insurance, but rather a business that is liable for some risk, such as health costs, chooses to bear the risk itself rather than take out insurance through an insurance company.

 

"chooses to bear the risk itself rather than take out insurance through an insurance company."      AND, that means they will pay the cost of any medical care by  them self.  

 

 

 

 

Edited by rumak
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On 9/17/2020 at 1:22 PM, Keyser Soze666 said:

As said above contact aainsure in Pattaya. They will suggest a French company called April insurance who insure up to the age of 70..about 80k baht a year inpatient only for 500k usd per year cover. No medical required.

Just in case the above isn't clear, Keyser means that they will accept insurance applications from people up to age 70 years old.  Having accepted your cover, you remain insured for the rest of your days, so long as you pay the premium!  (IE - the insurer can't 'drop' you at a later date when you're really old and have various health conditions that require you to claim on your insurance).  I am insured with April and so far, have been happy with their customer service, (no claims and I hope never to need to make a claim..... just like fire insurance!).

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1 hour ago, simon43 said:

.  Having accepted your cover, you remain insured for the rest of your days, so long as you pay the premium! 

Well,  that seems like such a nice deal.    So, uhhhhh ............... does the customer have any say in what

the premium ( great use of the word) will be ?

 

Maybe that nice company will negotiate something reasonable..... like maximum 2 percent increase every three years ?         One poster has already said his insurance company raised it 69 percent over the last 2 years !!!    

 

I self insure.    Never an increase in premiums !!!    and i am a happy man.   i am dealing with a very compassionate insurer.

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Earlier on in another thread  Guy joined at around 57 or so years old, a UK insurer  Prime,caught cancer shortly after,relates to how lucky he was at the time. Had the op 3 million,lung taken out,sure as night follows day it came back another 2 million for further op,by the time he gave insurance up,just a waste of money here in Thailand up,( 5/6 years or so) he must be lighter than 34000 gbp or so  

  did follow as much as I could the costings,as with cancer its selective and elective. the last op 2 million ) he could have had it done in India  2 hours away for 50 000 baht,plus another load of treatment at a fraction of Thailand's,  free in UK  ,that is where he eventually ended up,no doubt dead now

 

His ins company informed him that aftercare was severely limited in scope and costings which decided it for him

Edited by izod10
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