Health Insurance

[globalexpathealth-rh]

Hi Tony,

We are Global Expatriate Healthcare and can offer a health insurance specifically designed for Expatriates, we offer a comprehensive policy at competitive rates - in brief:
• USD 1 million of cover at leading hospitals worldwide
• Affordable monthly premiums
• No medical examination required
• No age limit – providing you join before age 65
• Unique smart card for prompt claims approval and settlement
• In Patient, Chronic and Maternity cover as standard
• Extensions to cover Outpatient treatment and Dental
• Portable around the world

For a quotation simply click on the Global Health banner at the top of this page or contact us on 02 662 2009 (Bangkok) or 087 975 2315 to contact our representative Paul Simkiss in Hua Hin.

[redzonerocker]

Rather than start a new thread, thought i would add it here.

The importance of insurance & the astronomical cost of letting it lapse or not having any

One question though, does it really cost £1200 a day to keep a patient, £8400 per week sounds a bit OTT & in fairness a bit cold hearted in the circumstances

What would happen if the family could'nt afford to pay? which is a likely scenario in a lot of cases

http://menmedia.co.uk/manchesterevening ... i-hospital

[STEVE G]

What would happen if the family could'nt afford to pay? which is a likely scenario in a lot of cases

The unfortunate fact is that in much of the world state hospitals are incapable of dealing with very serious conditions, which will be considered unsurvivable and then you're left with the only option of going to very expensive top private hospitals.
When my daughter was born many weeks premature in Indonesia there was only one hospital in the area that was even prepared to make an attempt to save her. It didn't cost as much as the case above but the bill still ran into thousands of pounds.
Luckily I could afford to pay but I hate to imagine what it must feel like to be in the situation where you can't.

[mat]

One question though, does it really cost £1200 a day to keep a patient, £8400 per week sounds a bit OTT & in fairness a bit cold hearted in the circumstances

What would happen if the family could'nt afford to pay? which is a likely scenario in a lot of cases

It does not cost £1200 a day (allmost 60,000 baht) only to stay in the ICU. Probably a lot of extra costs are included in this amount. I read he is transported from Samui to Bangkok which is not cheap, operation(s) are probably in this amount etc.
cold hearted in the circumstances? Private hospitals in Thailand offer very good healthcare but are there to make money. They simply can not afford to help everybody for free. That is the system and i would assume everybody is aware of it, also in this case where he is even warned by his parents. But still a very sad story indeed and i hope he recovers and they will find a solution.

[mat]

Healthcare insurance new option, also available for your Thai partner.

We are always looking for good options to offer to our clients. Since a few months we are also broker for ACS-AMI. This is a French company that offers healthcare insurance plans underwritten by Allianz.

Looking at coverages/premium, the ASIA F1 plan ACS offers, is very interesting, especially for the younger people and/or people that also would like to insure their Thai partner (and children). ACS offers this possibility as long as 1 “expat” of the household is insured.

The big advantages are:
-Easy with acceptance (even in case of pre-existing conditions)
-Reasonable premiums
-Premiums don't go skyhigh when getting older
-Premiums can not be changed on an individual base
-At the moment renewable up to 75 years old but we expect it will be changed in a Lifetime renewable policy shortly
-Application until 64 years old and when normal healthy no Medical Examination needed
-Very high coverage until 500,000 or 1.000.000 dollar a year (about 15,000,000 or 30.000.000 baht)
-Possibility to pay twice a year, quarterly or monthly without extra costs
-Full coverage as applied in the named Asian Countries and for Emergency Treatment in the rest of the World if the trip is not over 7 consecutive weeks
-Insure outpatient also possible
-Freedom of choice in hospitals (so you can go to the best ones), coverage for private rooms
-No deductible
-No waiting period, insured from day 1

Premiums for inpatient only, max. Coverage 500,000 $ a year:
21-25 year 404 $
26-30 year 441 $
31-35 year 512 $
36-40 year 570 $
41-45 year 636 $
46-50 year 705 $
51-55 year 1,128 $
56-60 year 1,269 $
61-65 year 1,340 $
66-70 year 1,474 $
71-75 year 1,695 $
1 child 200 $
2 or more 302 $

If you would like to receive more information about this or other plans, please feel free to contact us.

AA Insurance Brokers Co. Ltd.
Wong Chomsin Building,
83/14 Phetkasem Road, Office 504,
Hua Hin, Prachuab Khiri Khan, 77110, Thailand.
Tel./Fax: +66 (0)32 532783
Mobile Matt: +66 (0)81 0067008
email: huahinaa@hotmail.com
Skype: huahin.aainsure
http://www.verzekereninthailand.nl
http://www.aainsure.net

[hhfarang]

-Easy with acceptance (even in case of pre-existing conditions)

Mat, if that is really the case please send me detailed information and an application (to the email address you already have).

Thanks,

hhf

[bapak]

I have missed the boat again... to old. Actually I know more dead at 55 then at 75.

[Dahling]

-Easy with acceptance (even in case of pre-existing conditions)

Mat, if that is really the case please send me detailed information and an application (to the email address you already have).

HHF - I assume that means they're happy to insure you in spite of pre-existing conditions that will be excluded from any coverage - if not, I'm sure we'll all be interested to hear the details!

[mat]

-Easy with acceptance (even in case of pre-existing conditions)

Mat, if that is really the case please send me detailed information and an application (to the email address you already have).

HHF - I assume that means they're happy to insure you in spite of pre-existing conditions that will be excluded from any coverage - if not, I'm sure we'll all be interested to hear the details!

Well, we did have clients that had major exclusions (like heart- and vascular diseases) at other companies that were accepted at ACS without exclusions but for a higher premium. That makes ACS a company that offers possibilities we did not have before.
At every insurance company the underwriters look at every application case by case. So regretfully we also had clients that became exactly the same exclusion.

[hhfarang]

That's why I hate insurance companies and would rather keep the money to insure myself (and my house, car, etc,.) in a bank until the need arises. They are generally blood sucking parasites that take from the few to pay for everyone and when you have paid for years and need help they deny your claim.

Sorry Mat, I think you are the best insurance agent in Hua Hin, but that doesn't mean I excuse your industry from the way they rip off the general public all over the world.

[richard]

That's why I hate insurance companies and would rather keep the money to insure myself (and my house, car, etc,.) in a bank until the need arises. They are generally blood sucking parasites that take from the few to pay for everyone and when you have paid for years and need help they deny your claim.

Sorry Mat, I think you are the best insurance agent in Hua Hin, but that doesn't mean I excuse your industry from the way they rip off the general public all over the world.

As soon as I had my stroke 6 years ago the insurance company said the hospital where I was in intensive care for 3 days was not a valid hospital. The Bumrungrad is listed as being in the top 20 in the world. It took me 2 months to get the money. They stipulated I should fly home or we cancel your policy. Told them I was not allowed to fly so they sent me a cheque and cancelled my policy

Mat, I live in condo Chain so just down the road and would love to come and chat about what you have to offer. I appreciate that my current ailments cannot be covered but I want cover for getting run over by a wild elephant down Bintaban

[mat]

That's why I hate insurance companies and would rather keep the money to insure myself (and my house, car, etc,.) in a bank until the need arises. They are generally blood sucking parasites that take from the few to pay for everyone and when you have paid for years and need help they deny your claim.

Sorry Mat, I think you are the best insurance agent in Hua Hin, but that doesn't mean I excuse your industry from the way they rip off the general public all over the world.

You are absolutely right. Looking at healthcare insurance regretfully there are companies that try to deny claims or at least give the impression that they want to make it as difficult as possible to get paid out.
Solution: we simply don't deal with them but use companies that are reliable and don't give you a headache at the point you need them.
But who can you believe? Every company, broker or agent will tell that their insurance is the best. I think it's safe to presume the claim departments of i.e. Bangkok Hospital, Bumringrad etc. are objective.
Just ask them. They know exactly which companies are hassle free.