Health insurance

    Hello.can you guys tell me what you use for health insurance? Currently I’m looking at 1 year $1mm policy with my son for $325/mo with $1500 deductible.  Call me crazy I don’t know why I thought it would be cheaper.         -@davecndn

I will call you crazy if that's the insurance you're going for. That's a very expensive policy and the cover is ridiculously high. You dont seem to know anything about hospital costs in Thailand. Who needs a $1mn health insurance? The most expensive procedure in a private hospital in Thailand is probably heart surgery and the average cost is maybe 600.000-650.000 Baht. Even a 3.5 million Baht insurance is overkill. Check out thai companies instead and don't listen to clueless people.

For starters,check this out:

https://misterprakan.com/th/health/main?lg=en

he's right in this matter,, 1 mio's too much, third to half would do especially if you are healthy and not too old, So what is the age and health??

The low premium is due to the pretty high $1500 deductible which would cover all first aid help on any issue

@Leeds forever!

Hey thanks! 😊  I  will check out your advice.  No i don’t know nothing as I am finding out.  I just arrived here from Chicago.  I visited Thailand multiple times on multiple occasions but living here is a completely different beast.   I am currently sitting here waited 2 hours at Bangkok Bank trying to open a savings account which I have to pay 500 baht for fraud insurance.  They baht you to death here. What a waste of time.  where are all the go getters?

Guys what about the cancer coverage? i think probably cancer, heart attack, liver etc are the most costly. i want to get the most of the high priced items covered, then if the price is right ill take more but man these people come at my thai wife they smell farangs from miles away i guess.  My wife is Thai we met in usa.  she has nit been back in over 20 years.  As of today, we are both regretting our move here actually but its too late now so we are trying to do our best not to be Thai here.

    @Leeds forever! Hey thanks! 😊  I  will check out your advice.  No i don’t know nothing as I am finding out.  I just arrived here from Chicago.  I visited Thailand multiple times on multiple occasions but living here is a completely different beast.   I am currently sitting here waited 2 hours at Bangkok Bank trying to open a savings account which I have to pay 500 baht for fraud insurance.  They baht you to death here. What a waste of time.  where are all the go getters?

Go for the insurance,it's still worth it and you can skip it next year.Its more of a Personal Accident insurance than a health insurance. The insurance isn't a fraud but I don't know how well it works outside Bangkok. Bangkok Bank is imo a very good bank for foreigners.         -@davecndn

@Leeds forever!

i will look at that when i get home.  thank you so much for your help

    Guys what about the cancer coverage? i think probably cancer, heart attack, liver etc are the most costly. i want to get the most of the high priced items covered, then if the price is right ill take more but man these people come at my thai wife they smell farangs from miles away i guess.  My wife is Thai we met in usa.  she has nit been back in over 20 years.  As of today, we are both regretting our move here actually but its too late now so we are trying to do our best not to be Thai here.         -@davecndn

If you don't have any pre-existing conditions you don't have to worry about costs. It's about coverage. You should do a qualified guess about what could happen based on your health/current condition.Cancer treatment like chemotherapy is an Outpatient thing, and surgery of any kind while  staying in the hospital is Inpatient. It's also about age. How old are you? Premiums goes up every 5 year, for example 60-65,66-71. From 66 years of age you're considered overaged,that's a word most Thai insurance companies are using. Then the cost goes up. You'll also need a medical check-up to be able to apply for an insurance. That's not normally the case when younger than 66.

Ok thanks.  Cigna forewarned me that their premuim will go up every year.    Luckily I do not have any health issues or pre existing but I do take Lipitor.

i am currently 47. i have 8 year old son.  my Thai wife is Thai citizen.  Thanks.

so what do people do after 66? rawdog it?

This is the thing I read about alot of stuff on the internet but i dont know the source. if the guy lives like a trump or bum.  Dont need it, its cheap etc you really don’t know til the time comes 🤷‍♂️ find out the hard way.

regardless thank uou fir your help i appreciate it

    Ok thanks.  Cigna forewarned me that their premuim will go up every year.    Luckily I do not have any health issues or pre existing but I do take Lipitor. i am currently 47. i have 8 year old son.  my Thai wife is Thai citizen.  Thanks.so what do people do after 66? rawdog it? This is the thing I read about alot of stuff on the internet but i dont know the source. if the guy lives like a trump or bum.  Dont need it, its cheap etc you really don’t know til the time comes 🤷‍♂️ find out the hard way.regardless thank uou fir your help i appreciate it        -@davecndn

My insurance company is Pacific Cross and it's imo

a serious company. They have loads of different premiums. I just filled out a questionnaire and my application was approved.The premium goes up every 5 year but I get a discount every year. First year was 10%, second 15% and third 20%. I also got 20% the fourth year. Cigna's and AXA's premiums are imo overpriced. After 66 I can still go with PC but the premium will go up a bit. I will still get my discount, though and no medical is needed. At your age the premium at PC will be very low even if you go for a quite high coverage. Google them and check out their website.Again,don't go for a ridiculously high coverage especially if you're healthy and in good condition. It's just a waste of money.

Gotcha thanks for the great info!  whats the main difference between mister prakan vs Pacific Cross? more reliable company? Im going to check out both but wanted to hear you opinion on it.

Tganks again! 🙏

@Leeds forever!

i agree about the high coverage and when healthy. Thats why i was initially looking at higher deductibles.

    Gotcha thanks for the great info!  whats the main difference between mister prakan vs Pacific Cross? more reliable company? Im going to check out both but wanted to hear you opinion on it. Tganks again! 🙏        -@davecndn

Mr Prakan Insurances have different insurance companies to chose from. It's like a platform.Pacific Cross is an insurance company, and might even show up on Mr Prakan.

Got it thank you sir!

@davecndn That's way too expensive! Send me your age and email, I'll send you quotes from a few different insurers

@samw16330 .   Message sent, thanks!

@davecndn I didn't see a message, can you send again?

My insurance company is Pacific Cross and it's imo
a serious company. They have loads of different premiums. I just filled out a questionnaire and my application was approved.The premium goes up every 5 year but I get a discount every year. First year was 10%, second 15% and third 20%. I also got 20% the fourth year. Cigna's and AXA's premiums are imo overpriced. After 66 I can still go with PC but the premium will go up a bit. I will still get my discount, though and no medical is needed. At your age the premium at PC will be very low even if you go for a quite high coverage. Google them and check out their website.Again,don't go for a ridiculously high coverage especially if you're healthy and in good condition. It's just a waste of money.
   

    -@Leeds forever!

I looked at Pacific Cross but the comparison website shows Falcon as being much cheaper. Is Pacific Cross for Worldwide excluding USA?

Thanks for sharing this rbaker. I just filled it out and running a comparison against Cigna now.

Much appreciated!

Marc

Hi LeedsForever,

I think I'm in the same boat as you - under 65 (I'm nearly 62), no major health problems. What sort of coverage would you recommend? Basically I would like to know what you have with Pacific Cross, if you wouldn't mind. The name of the policy, the height of the coverage, the size of the deductible and most importantly what it costs (with or without the discounts)!

Sorry for being so forward but I'm having trouble picking a good insurance provider. If anyone else wants to chime in with details of their insurance (that you're happy with) then please do so. I assume I should be looking at health insurance for people living in Thailand, not travel insurance.

thanks and regards

rbakker

    Hi LeedsForever,
I think I'm in the same boat as you - under 65 (I'm nearly 62), no major health problems. What sort of coverage would you recommend? Basically I would like to know what you have with Pacific Cross, if you wouldn't mind. The name of the policy, the height of the coverage, the size of the deductible and most importantly what it costs (with or without the discounts)!

Sorry for being so forward but I'm having trouble picking a good insurance provider. If anyone else wants to chime in with details of their insurance (that you're happy with) then please do so. I assume I should be looking at health insurance for people living in Thailand, not travel insurance.

thanks and regards
rbakker
   

    -@rbakker

I just made one with SBC. They offer Zürich insurance coverage and have 3 levels.

Check and see:

https://amo.to/K/KDQGAC/KD6ZOE