What insurance do you have?

[5150]

This questions is for us who lives in Thailand.

I live and work in Thailand (I am 39 years old), and need a new insurance, any recommandations?

[aging one]

You can pm me for info, my wife has been with AIA for over 20 years and is very senior. Need a work permit though. cheers.

[jamiejambos]

A.I.A 3,727.00 baht per month fully covered and i am only on a Retirement Visa. you dont need a work permit....

[BobR]

5150....are you from California? That particular number has a special meaning there.

I kept my American health insurance, which covers me for accidents here and I maintain a bank account here for emergencies and intend to fly home for medical treatment of anything serious. I pay for the small stuff here myself.

[aging one]

Right Jamie, but the OP is 39 and I assumed he would not be retired. The price you pay is related to the amount of coverage.

[jamiejambos]

I do apologise sir, I mis-read ...

[BallBreaker]

Google BUPA Thailand and Thai Health Insurance Limited for a couple more options.

Unless your a person who is sick all the time consider taking only in-patient coverage only because out-patient care is cheap to pay out of pocket.

[5150]

You can pm me for info, my wife has been with AIA for over 20 years and is very senior. Need a work permit though. cheers.

I tried to PM you, but my amount of posts were not enough to allow me to PM, will PM, when my posts reach 20

[5150]

A.I.A 3,727.00 baht per month fully covered and i am only on a Retirement Visa. you dont need a work permit....

Fully cover for 3,7K thb/month, are you sure?

[jamiejambos]

Yes ! Positive.... ^

[5150]

5150....are you from California? That particular number has a special meaning there.

No, I am not.

yes, I know, my nickname though, refers to something totally different.

I kept my American health insurance, which covers me for accidents here and I maintain a bank account here for emergencies and intend to fly home for medical treatment of anything serious. I pay for the small stuff here myself.

Yeah, I guess I could do something similar, but I thought, i might find some cheaper alternatives.

[5150]

Google BUPA Thailand and Thai Health Insurance Limited for a couple more options.

Unless your a person who is sick all the time consider taking only in-patient coverage only because out-patient care is cheap to pay out of pocket.

I have checked BUPA, and will take a look at Thai Health Insurance limited.

Sorry for my ingnorance, but what does in-patient and out-patient means?

[5150]

Yes ! Positive.... ^

Wow, sounds almost too good to be true

What is the maximum payout per year, do you know?

[Greyman]

In-patient means you stay over night or many nights, for treatment.

Out-patient means you visit only for the day, receive treatment, then return home.

A typical out-patient visit could cost less than a full cover monthly instalment.

I have never paid more than 2000 baht for an out-patients appointment.

[superman]

Use the government hospitals and pay basic Thai medical prices. Over all, I think cheaper than private insurance and great value if you find the right hospital.

[pickel]

Use the government hospitals and pay basic Thai medical prices. Over all, I think cheaper than private insurance and great value if you find the right hospital.

Or a septic nightmare if you find the wrong one.

[t.s]

I use Rbi Premium Rbi Premium Lifestyle Membership Program

pretty happy with them

[Bettyboo]

If you are married to a Thai then do NOT get life cover; they will kill you for it... Every single last one of them with no exceptions.

I've heard that AIA are good, but personally I wouldn't deal with any company with America in the name...

You could get a job as a government teacher then you only pay 400 per month for insurance, however you lose tens of thousands on salary... pros and cons...

This reminds me, I promised to get some accident insurance for the missus and her mother...

[danno5]

Well, I had BUPA and thought they were pretty good...never had an issue with a claim and relatively timely reimbursements. But then they decided that they would no longer offer insurance to American Citizens due to the recent health care legislation there. Now I am stuck with United Healthcare International, who sucks! Thanks Obama!

[5150]

In-patient means you stay over night or many nights, for treatment.

Out-patient means you visit only for the day, receive treatment, then return home.

A typical out-patient visit could cost less than a full cover monthly instalment.

I have never paid more than 2000 baht for an out-patients appointment.

Ok, thanks for clearing things out for me.

[5150]

Well, I had BUPA and thought they were pretty good...never had an issue with a claim and relatively timely reimbursements. But then they decided that they would no longer offer insurance to American Citizens due to the recent health care legislation there. Now I am stuck with United Healthcare International, who sucks! Thanks Obama!

What did it cover? What was the maxium payout for a year?

How much did it cost per year?

[Ratchaburi]

Use the government hospitals and pay basic Thai medical prices. Over all, I think cheaper than private insurance and great value if you find the right hospital.

Superman is on the ball with the locals.
In Aussie I payed top family cover for more than 20 years
if you get a way from bangkok Pattaya Phuket
Then you will find going to the goverment hospital is very cheap & you are a VIP

[superman]

^ Unfortunately Ratchaburi farangs that live here become Thailophide and begin to think the Thai way. A bit like Stockholm Syndrome. The more you pay the better the doctor. Which is a ridiculous thought, in that the same doctors that work the government hospitals also work the glitzy private hospitals.

[5150]

If you are married to a Thai then do NOT get life cover; they will kill you for it... Every single last one of them with no exceptions.

yeah, I will not, I have read some horrible stories over the years!

[DrAndy]

Which is a ridiculous thought, in that the same doctors that work the government hospitals also work the glitzy private hospitals.

true, the big difference is the wait times and environment