nathan1980 Posted September 17, 2020 Share Posted September 17, 2020 Hello I am looking to purchase medical insurance. Can anyone tell me what is best for the the following: Male - 40 (British) South East Asia or Worldwide (exc US) A plan that is reliable and recognised for direct billing with private hospitals throughout Thailand Inpatient/Outpatient cover 24 hour assistance Direct Billing I read good things about Luma Health but someone mentioned that they increase their policies based on their overall claims of all of their customers not on a individual basis. I have a son 10 months old (Thai/British) and girlfriend 32 (Thai) I believe they are covered by the Thai Universal Health system? Please if anyone has any advice or previous experience researching and purchasing medical insurance that would be much appreciated. Many Thanks, Nathan Link to comment Share on other sites More sharing options...
Kwasaki Posted September 17, 2020 Share Posted September 17, 2020 You are still young so there's many company's a Google Search or TV forum search will help get you quotes. There's a lady TV mod who has much information and good advice. I use the Thai health system because when I got older they dumped me. Fortunately unlike others I wasn't paying for private health insurance for too long. Link to comment Share on other sites More sharing options...
Peter Denis Posted September 17, 2020 Share Posted September 17, 2020 @Sheryl will surely provide you with some good advice on how to proceed. Link to comment Share on other sites More sharing options...
Sheryl Posted September 17, 2020 Share Posted September 17, 2020 At 40 you have abundant choices. I have been very happy with April International (issued out of France not the local policy) and they have direct billing. But really at your age you have many choices. it is always best to go through a broker. They will provide you with comparative charts of options and also help afterwards if needed with claims. I use AA broker www.aainsure.net Your GF and chld are indeed covered under the Thai government system but have to use the hospital which covers the area where they are listed in a tabian ban. (House book). This can be changed and is worth doing if they live somewhere other than their TB listing and expect to be there (i.e. in that city/town) for a while. I think you will want to reconsider the outpatient cover once you see the premiums as it almost doubles the cost. In-Patient only policies will usually still cover outpatient cancer care and dialysis; some also cover care in an ER and outpatient care for 30 days after a hospitalization. Outpatient costs in Thailand, except for things like cancer treatment and dialysis, are quite affordable and the added premium for insurance that covers OPD is seldom worth it. 1 Link to comment Share on other sites More sharing options...
jwest10 Posted November 4, 2020 Share Posted November 4, 2020 On 9/17/2020 at 12:36 PM, Sheryl said: At 40 you have abundant choices. I have been very happy with April International (issued out of France not the local policy) and they have direct billing. But really at your age you have many choices. it is always best to go through a broker. They will provide you with comparative charts of options and also help afterwards if needed with claims. I use AA broker www.aainsure.net Your GF and chld are indeed covered under the Thai government system but have to use the hospital which covers the area where they are listed in a tabian ban. (House book). This can be changed and is worth doing if they live somewhere other than their TB listing and expect to be there (i.e. in that city/town) for a while. I think you will want to reconsider the outpatient cover once you see the premiums as it almost doubles the cost. In-Patient only policies will usually still cover outpatient cancer care and dialysis; some also cover care in an ER and outpatient care for 30 days after a hospitalization. Outpatient costs in Thailand, except for things like cancer treatment and dialysis, are quite affordable and the added premium for insurance that covers OPD is seldom worth it. And for a healthy 70 year old companies please Link to comment Share on other sites More sharing options...
pontious Posted November 7, 2020 Share Posted November 7, 2020 On 11/4/2020 at 5:15 PM, jwest10 said: And for a healthy 70 year old companies please I also recommend April - the international one. You have to join by age 71. I suggest AA brokers. They will give all the details. 1 Link to comment Share on other sites More sharing options...
seeriipaap Posted November 22, 2020 Share Posted November 22, 2020 On 9/16/2020 at 9:35 PM, Kwasaki said: I use the Thai health system because when I got older they dumped me. What has that experience been like? Link to comment Share on other sites More sharing options...
Kwasaki Posted November 23, 2020 Share Posted November 23, 2020 6 hours ago, seeriipaap said: What has that experience been like? The experience personally for me is just the same because I used the local govt hospital when I had health ins, as it happens it works out much cheaper than health insurance. We are lucky to have a good hospital obviously the Asthma clinic within the hospital is busy but I get health checked every 4 months. Link to comment Share on other sites More sharing options...
seeriipaap Posted November 23, 2020 Share Posted November 23, 2020 2 hours ago, Kwasaki said: The experience personally for me is just the same because I used the local govt hospital when I had health ins, as it happens it works out much cheaper than health insurance. We are lucky to have a good hospital obviously the Asthma clinic within the hospital is busy but I get health checked every 4 months. How can you qualify for government health insurance, other than working and paying taxes? Which government hospitals in Bangkok would you recommend? Link to comment Share on other sites More sharing options...
Kwasaki Posted November 23, 2020 Share Posted November 23, 2020 19 minutes ago, seeriipaap said: How can you qualify for government health insurance, other than working and paying taxes? Which government hospitals in Bangkok would you recommend? I don't qualify for Thai govt health insurance, I think you have to be married to a Thai that works for the government to qualify. I had private health insurance from a a Thai health insurance company who dumped me because of my age, even after passing a full health check at there request. I don't know of any govt hospitals in Bkk I would never live there. Our local govt hospital is in New Sukhothai and I pay for my treatment. Link to comment Share on other sites More sharing options...
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