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COVID-19 Insurance for 80+ year old retired American


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I am hoping someone can help me. I apologize for not being a regular contributor before now. My father has lived with me in Thailand for 4 years now. He has been on a retirement visa. We are now in America (long story), but are very close to being able to return - All we lack is the insurance. He is retired military and on TriCare for Life. That is what we have used for the past few years in Thailand. It has the requisite insurance limits, but we have been unable to secure proof of insurance to the point that the Thai Consulate is satisfied. Does anyone has experience with getting a retirement visa using TriCare for Life as the insurance requirement? Also - we are fine with getting an insurance policy that satisfies the new requirement if I can find a company that will insure someone 80+. Perhaps Cigna Global? Anyone been able to get one with them and how did it go? Any other suggestions for a company that will insure him, or an insurance agent that can help me?

 

Any help at would be most welcome - Thanks so much!

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For $100k baht insurance for covid 19 required to apply for a certificate of entry this company will do the insurance up to 99 years old. See: https://covid19.tgia.org/ For the insurance coverage

I think they are scared away by what is written on it where is says directors to sign it. About anybody can sign it and it will be accepted it is stamped to say they are with TriCare. If you mana

Ye, sorry - LMG revised its plans in the past year   SO the following of the 13 companies listed will issue new policy up to age 75:   Bangkok Insurance LMG Pacific Cross

Thanks! That is a hefty price to pay for the COVID-19 insurance, but it is what it is I suppose. I had never seen one for people of 80 years old, so this is helpful information indeed and I appreciate it. It is very difficult to get anyone from TriCare to sign this insurance form - I have tried every phone number and email address I have. We even drove to an Air Force base in our state and went to the TriCare office. No luck. I wonder if someone has used their TriCare for Life policy to get an OA visa? Thanks - 

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On 10/23/2020 at 4:01 AM, khonkaenjason said:

Thanks! That is a hefty price to pay for the COVID-19 insurance, but it is what it is I suppose. I had never seen one for people of 80 years old, so this is helpful information indeed and I appreciate it. It is very difficult to get anyone from TriCare to sign this insurance form - I have tried every phone number and email address I have. We even drove to an Air Force base in our state and went to the TriCare office. No luck. I wonder if someone has used their TriCare for Life policy to get an OA visa? Thanks - 

The 100.000 US $ is NOT the insurance fee, but the minimum amount the covid-19 insurance would cover.  When using the TGIA covid-19 insurance provided by TIP there is no age restriction, so would be easy to get that one.

Note: If TriCare also covers covid-19 for that amount, there is no need to subscribe to the TIP covid-19 insurance.

 

Re the Non Imm O-A compliant health-insurance, it might be useful to contact the Thai Embassy/Consulate.  The Thai insurance-policies are not available for those over 75 years of age, so the Embassy/Consulate will probably have experience with applicants over that age and provide info on how they met the requirement.

 

 

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Please clarify, are you trying to meet the O-A visa insurance requirement or the COVID-19 requirement or both? Do you (and he) already have a still valid O-A visa?

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On 10/23/2020 at 9:15 AM, ubonjoe said:

I think they are scared away by what is written on it where is says directors to sign it. About anybody can sign it and it will be accepted it is stamped to say they are with TriCare.

If you manage to get the visa using TriCare it will be a problem later to apply for a extension of stay since immigration will only accept insurance from a Thai company.

I have insurance for life from Anthem Blue cross(78) , it is not a Thai company Is

it time to get out?

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3 hours ago, Peter Denis said:

Note: If TriCare also covers covid-19 for that amount, there is no need to subscribe to the TIP covid-19 insurance.

It's a given that TriCare covers covid-19 as any other us-based insurance company does.

The challenge is to make them write a coverage description letter stating that they do cover Covid-19.

That is a virtually impossible task.

That's right, all of them will tell you that they cover Covid up to the maximum policy limit but will refuse to write it down. No matter what.

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1 hour ago, muffy said:

I have insurance for life from Anthem Blue cross(78) , it is not a Thai company Is

it time to get out?

Whatever you do, DO NOT opt out of your current insurance policy.  At your age (78) it would be very difficult (as good as impossible) to find an insurer that will accept you for better conditions than you presently have.

And of course doing so to switch to a THAI insurer is a Triple Red Warning NO and close to insanity.

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8 hours ago, unheard said:

It's a given that TriCare covers covid-19 as any other us-based insurance company does.

The challenge is to make them write a coverage description letter stating that they do cover Covid-19.

That is a virtually impossible task.

That's right, all of them will tell you that they cover Covid up to the maximum policy limit but will refuse to write it down. No matter what.

Hey Unheard;

 

This is very true. I know for a fact that his TriCare for Life covers COVID, but to this point there has been no way to even prove it. There is no longer even an ID card for TriCare for Life recipients - they simply use their military ID - That one really trips up the Thai authorities. I don't really want to have to purchase him a separate insurance policy just to satisfy the requirements, but we will if this goes on much longer. To someone who asked earlier: We are getting dad a new non-OA visa - hence the need for the 400,000 inpatient and 40,000 outpatient coverage. Again, TriCare works, but I can't prove it yet. Also, need COVID coverage. For me, I have the Elite Visa and have my COE already - we are just waiting on dad's insurance...

 

As a side note - I will say that I am very impressed with the Los Angeles Thai Consulate - always have been in my 20+ years of dealing with them. They call me several times a week to give updates and ask how we are coming with the paperwork. When I need a new link to their website to upload new documents, I just send a text message and I get the link within minutes. I am very appreciative of their service, as I know many other consulates around the world have less than stellar service. 

 

Wish us luck - 

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17 hours ago, unheard said:

It's a given that TriCare covers covid-19 as any other us-based insurance company does.

The challenge is to make them write a coverage description letter stating that they do cover Covid-19.

That is a virtually impossible task.

That's right, all of them will tell you that they cover Covid up to the maximum policy limit but will refuse to write it down. No matter what.

There are several reports of successful applications for the Non Imm O-A Visa where applicants were able to have their foreign/international insurer fill-in/sign the FIC and where granted the Non Imm O-A Visa on application at the Thai Embassy/Consulate of their home-country. 

So it is by no means 'impossible'.

But it will of course be of great help when you have a good personal relationship with your insurance rep, so that you can explain him/her the need for that document and he.she can do the necessary.

Otherwise it will indeed be somewhat of a Mission Impossible.

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20 hours ago, Peter Denis said:

Whatever you do, DO NOT opt out of your current insurance policy.  At your age (78) it would be very difficult (as good as impossible) to find an insurer that will accept you for better conditions than you presently have.

And of course doing so to switch to a THAI insurer is a Triple Red Warning NO and close to insanity.

 

It would in fact be impossible as the Thai companies will not  newly insure past 75.

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I know Tricare covers covid you could look it up on their website.   They will not give you a letter and the American Embassy has done nothing to help us.  I am also covered by Tricare for Life.  You need to get insurance from one of the Thai companies they have listed to cover you  for an O/A visa or get a new visa type O for retirement or marriage to get out of having the insurance.  Being 80 your father will have a hard time getting insurance but if he must get the cheapest with the max discounts.

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13 hours ago, khonkaenjason said:

We are getting dad a new non-OA visa - hence the need for the 400,000 inpatient and 40,000 outpatient coverage. Again, TriCare works, but I can't prove it yet. Also, need COVID coverage.

 

 

As your father is 80+ it will not be possible to get him a Thai policy.

 

Best would be to get the necessary documentation from Tricare to establish that he has cover which more than meets the 400/40 requirement and COVID requirement (same policy can meet both, does not need to be 2 separate policies).

 

Should that be impossible then best bet is probably Cigna Global (not Cigna US). Either their Silver Plan or Close Care. However including outpatient cover will be extremely expensive, even with a large deductible.  https://www.cignaglobal.com/international-medical-insurance

 

 you might try discussing with the Thai Consulate if you can't get the certificate signed by Tricare. Some Consulates have accepted other documents in lieu of the certificate (but of course they will need something in writing to look at) and they may know something about Tricare.

 

 

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On 10/23/2020 at 9:01 AM, khonkaenjason said:

Thanks! That is a hefty price to pay for the COVID-19 insurance, but it is what it is I suppose. I had never seen one for people of 80 years old, so this is helpful information indeed and I appreciate it. It is very difficult to get anyone from TriCare to sign this insurance form - I have tried every phone number and email address I have. We even drove to an Air Force base in our state and went to the TriCare office. No luck. I wonder if someone has used their TriCare for Life policy to get an OA visa? Thanks - 

Maybe try the constituent service office of your state or federal level member of Congress or state legislature. Maybe ask on some VFW Facebook groups. They may be able to steer you to the right place. 

Edited by Pattaya Spotter
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