Medical Insurance

Issues related to medical treatment.

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Re: Medical Insurance

Postby ningnong » Thu Mar 25, 2010 3:35 am

Thanks fredlk, I have not come across that company in my searches, the initial info on the web site liiks interesting - I will follow it up.

By the way we are enjoying watching the progress of your project - good luck.
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Re: Medical Insurance

Postby dozer » Thu Mar 25, 2010 9:03 am

Cleaned up thread and removed some marginal posts that were getting personal.
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Re: Medical Insurance

Postby fredlk » Thu Mar 25, 2010 9:27 am

ningnong wrote:By the way we are enjoying watching the progress of your project - good luck.

Thanks for that.
I should add that so far I have never claimed on this insurance because until June 2009 I was insured in The Netherlands.
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Re: Medical Insurance

Postby Galee » Thu Mar 25, 2010 1:03 pm

From my experiences, BUPA is fine until you make a claim.
Last year I had some tests done at Bumungrad in BKK. Everything came back OK, so still healthy except my bank balance. BUPA put up the premium from 18K to 26K. Have looked elsewhere but most other companies more expensive, so now lumbered with paying 8K more a year indefinitely, for a 35K claim.
If with BUPA, think twice about making a claim if it's not life threatening.
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Re: Medical Insurance

Postby Nawty » Fri Mar 26, 2010 8:08 am

We have a frog company that specialises in Expat coverage.

For a family of 4 and if we have another child, they are included free. It costs us around 90/100k per year. i say around as it is in US$ and the exchange rate changes it around a bit, but usually around 23k baht per quarter.

Does not cover OPD, but covers everything else and is apparently limitless in the case of ongoing serious medical treatments such as cancer etc.
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Re: Medical Insurance

Postby fredlk » Fri Mar 26, 2010 8:23 am

Nawty wrote:We have a frog company that specialises in Expat coverage.

I presume you mean La société Française. :D
I would be interested to hear more - like a name - so that I might check if their coverage is better than my present insurer.
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Re: Medical Insurance

Postby Nawty » Fri Mar 26, 2010 2:36 pm

April Mobilite
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Re: Medical Insurance

Postby otis-a » Mon Jun 28, 2010 4:09 pm

very helpful
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Re: Medical Insurance

Postby otis-a » Mon Jun 28, 2010 4:11 pm

mtw due in few weeks, can she get coverage or need i try claim on existing usa hi hi $ policy?
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Re: Medical Insurance

Postby otis-a » Mon Jun 28, 2010 4:14 pm

anyone have experience claiming thai med / hospital against usa policy??

inever claimed as thai medical such a pittance compared to what is seen in usa.
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Re: Medical Insurance

Postby Rick B » Mon Jun 28, 2010 4:43 pm

Otis-a, of course all policies are not the same, but in my limited experience, most US-based policies exclude coverage outside the US. Best if you read the fine print of the policy to see if and what is covered outside of the USA.
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Re: Medical Insurance

Postby geordie » Mon Jun 28, 2010 5:50 pm

english insurance is the same too many exclusions to be of any use the best bet i think is pay for what you can afford but read the fine print carefully when you are laid up its too late then to change your mind
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Re: Medical Insurance

Postby rucus7 » Mon Jun 28, 2010 6:14 pm

My insurance coverage lists specific hospitals in Thailand, many of which are in Bangkok. I am covered by Anthem Blue Cross USA. I have a 500 dollar per year deductible. After the the deductible the coverage is 80% if I use their preferred providers. So there is insurance available for you and your family in Thailand
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Re: Medical Insurance

Postby otis-a » Mon Jun 28, 2010 11:10 pm

Nice to get feedback will make careful review of expat clauses to coverage as most usa policy have high premiums
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Re: Medical Insurance

Postby geordie » Tue Jun 29, 2010 2:26 am

there was an incident quite recently of a young english boy and his gf going over there on holiday he had a minor illness with which he had been to the doctors gf filled out the insurance for the holiday and sure enough he ended up on life support very seriously unwell the insurance refused to help because it was not mentioned on his aplication even though if it had been mentioned it would have been of no consequence his doctor had dismissed it as being so minor he did not even require treatment untill he became ill 2nd week of the holiday they claimed that it was as a result of a pre existing condition
so basically if you have a cold and you go on holiday then it develops they will throw the claim in the trash it worrys me that i will have problems because of existing conditions?? although my health generally improves when i am over there i will certainly declare all prior illness and go with a company that deals with ex pats over there good news is that health care over here is free if i can get back so anything major as long as i can travel??? back to blighty although
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