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Post by Fletchsmile on May 16, 2019 19:23:16 GMT 7
However, they won't cover retirees who aren't married to a Thai person. (Not atypical discrimination against gay people here.) Since the new insurance rules apparently related to people on an O-A visa (who typically aren't married), this isn't going to be helpful, methinks. Incidentally, when the requirement is for 400k inpatient, surely that means up to that for a single incident. This policy has a per IPD incident maximum of 50,000. I don't know about these things, but surely that's not going to be acceptable. as said who knows what the visa rules will be - if any? I had the same thoughts about the 400k IPD should be for a single incident, not 50k per incident and 400k total, but then again who knows?
On the other hand if they mandated that 400k per visit, it would be inconistent with OPD which seems to be OK at 40k max but say 2k per visit which are in the policies people can use now for O-A.
I mean what's the point of THB 2k per visit OPD protection from the hospitals point of view? Doesn't exactly protect them from someone with a 40k OPD bill on the day, so worthless to them. So they're only protected for 2k. Plus if someone didn't pay the bill in full for over 2k, the hospital can just flag it in the system. Next time the patient comes back, no treatmnent until previous bill is settled. Simple.
I suspect in reality they haven't even thought about it.
Anyway, just wanted to get an idea and have some sort of reference on costs, policies etc. See how much they are trying to rip us off for later if and when it applies.
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BTW There are non-gay people who don't marry Thais too ; and on the plus side at least gay people aren't expected to pay sinsot and support the outlaws
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AyG
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Post by AyG on May 16, 2019 19:57:25 GMT 7
at least gay people aren't expected to pay sinsot and support the outlaws Tell that to this guy www.thairath.co.th/content/617144In short, for those who don't read Thai, British guy pays five million baht sinsot to marry man he met on Facebook.
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Post by Fletchsmile on May 16, 2019 20:34:30 GMT 7
at least gay people aren't expected to pay sinsot and support the outlaws Tell that to this guy www.thairath.co.th/content/617144In short, for those who don't read Thai, British guy pays five million baht sinsot to marry man he met on Facebook.
So looks like gay people will be able to take out that wonderful Kasikorn policy after all
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Post by rgs2001uk on May 16, 2019 20:36:53 GMT 7
Not mentioned, what about all the women married to Thai guys.
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AyG
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Post by AyG on May 16, 2019 20:39:26 GMT 7
Tell that to this guy www.thairath.co.th/content/617144In short, for those who don't read Thai, British guy pays five million baht sinsot to marry man he met on Facebook.
So looks like gay people will be able to take out that wonderful Kasikorn policy after all
Nope. He paid all that money and still isn't legally married in the eyes of the Thai authorities (or Kasikorn).
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GavinK
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Post by GavinK on May 24, 2019 9:52:32 GMT 7
As mentioned above, I have 3 small policies to cover the wife and kids with Aetna. We use the Extra Care program Plan 4= no OPD = pays out up to 600k per policy on inpatient. = we pay the first 20k = what can be claimed as 80% of the excess above 20k up to a max claim of 600k We now have a 10% discount. After a year of no claims My rationale for taking out: > It's basic but cheap. > Doesn't waste money on OPD. > Worldwide excl USA > Cost is about THB 15k a year in total (we pay monthly by DD to my credit card) for the 3 policies. > Compared to a payout of 1.8 mn max (600k x3) that's a multiple of 120, or put another way cost is less than 1% combined for the coverage, which is not unreasonable > it lays off some off the risk sor a small outlay. insurance doesn't need to be all or nothing
Note: They wouldn't insure me, as I'd previously had skin cancer.
For a 50 year old, that 600k cover would cost about 8,640 baht a year which is about 1.4% of the max payout, so wouldn't exactly break the bank. Although over the 400k for IPD needed for visas it has no OPD, so unlikely to be able to used for visas.
This policy does look interesting for the reasons you've covered. Note there's a few diseases and conditions that are excluded for the first 6 months of the policy (to deter the 'buy and immediately claim' brigade). The max payout available now appears to have dropped to THB 500,000 pa for new policies although the cost for a 50 year old is down to THB 7,140 pa (still 1.4% of max payout). What was the % increase in premium before the 10% no claims discount ? Good to get an idea of their future pricing.
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Post by Fletchsmile on May 24, 2019 10:15:06 GMT 7
As mentioned above, I have 3 small policies to cover the wife and kids with Aetna. We use the Extra Care program Plan 4= no OPD = pays out up to 600k per policy on inpatient. = we pay the first 20k = what can be claimed as 80% of the excess above 20k up to a max claim of 600k We now have a 10% discount. After a year of no claims My rationale for taking out: > It's basic but cheap. > Doesn't waste money on OPD. > Worldwide excl USA > Cost is about THB 15k a year in total (we pay monthly by DD to my credit card) for the 3 policies. > Compared to a payout of 1.8 mn max (600k x3) that's a multiple of 120, or put another way cost is less than 1% combined for the coverage, which is not unreasonable > it lays off some off the risk sor a small outlay. insurance doesn't need to be all or nothing
Note: They wouldn't insure me, as I'd previously had skin cancer.
For a 50 year old, that 600k cover would cost about 8,640 baht a year which is about 1.4% of the max payout, so wouldn't exactly break the bank. Although over the 400k for IPD needed for visas it has no OPD, so unlikely to be able to used for visas.
This policy does look interesting for the reasons you've covered. Note there's a few diseases and conditions that are excluded for the first 6 months of the policy (to deter the 'buy and immediately claim' brigade). The max payout available now appears to have dropped to THB 500,000 pa for new policies although the cost for a 50 year old is down to THB 7,140 pa (still 1.4% of max payout). What was the % increase in premium before the 10% no claims discount ? Good to get an idea of their future pricing. 500k Is the Easy Care 3 (EC3) Plan. The EC4 for 600k is still there. Just above the box that says Extra 3 Care, it says Next> . If you click on that it will scroll to the right for Plan4.
Just checked:
The new policies costs 15,184.80 / year or 1,265.40 / month after 10% discount. So would be 16,871.11 or 1406 / month
The old policies cost 15,756 / year or 1,313 / month no discount
So the gross amount of the policies was about 7% higher
These might not strictly comparable though as I think my wife might have moved into a higher 5 year age band.
Also: Last year the numbers on the website weren't quite accurate for monthly amounts compared to what the actual premiums were. Actual were about 7% higher than the website on monthly amounts. The annual amounts were accurate, but weren't 12x the monthlies
So that 7,140 may not be fully accurate. Didn't bother looking into to why as it was only a thousand baht or so on 20k+
Thinking about it, I wonder if the 7% diff in prices vs website when we actually took them out reflects changes in pricing, i.e forgot to update the new monthly pricing on the website. Best to just take as a rough guide.
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GavinK
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Post by GavinK on May 24, 2019 11:09:20 GMT 7
500k Is the Easy Care 3 (EC3) Plan. The EC4 for 600k is still there. Just above the box that says Extra 3 Care, it says Next> . If you click on that it will scroll to the right for Plan4.
Looks like I'll need optical coverage too...didn't see that little Next !
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GavinK
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Post by GavinK on Sept 10, 2019 16:07:28 GMT 7
One additional point I discovered with aetna is that they will not insure children under 10 unless a parent also takes out a policy. Not sure of the reason for that - could be similar with other insurers - I went with aetna Easy Care in the end.
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