Does taking statins impact private health insurance in Thailand?

Depends the insurance... lay it out and you will see their quote.

Not to mention it, can have an impact on future remboursement.

They can argue that a potential heart issue is due to your high cholesterol. Play with open cards🙏

I got refused by AXA because I was on statins citing I might have coronary issues albeit I didn’t just a slightly raised cholesterol level now normal after taking 20mg statins daily

What I should have also said, do not lie if you are taking statins they will show up when hospitals do blood checks they always check liver kidney function, and any medication you are taking will show up there, so claim denied and policy cancelled, I have 6 monthly blood tests, and they always come back and ask if I take stations as they see any meds in your liver

Absolutely yes. You are taking a statin therefore you have a pre existing condition.

My story. When I came to Thailand 10 years ago the only medication I was taking was Allopurinol and Arovastatin. My cholesterol levels were normal and i hadn't had a gout attack in over 10.years.

I searched the insurance market and with the help of an insurance agent got some general quotes. I quickly realised that if you apply to insurance company A and they refuse you cover or offer you cover with restrictions then you must disclose this information to all other insurers you may apply to in the future. So I applied to 10 companies at the same time. After a period of companies requesting more information I had offers from all 10 companies. All the companies with the lowest general premiums upped the price they offered me and imposed restrictions for life. 5 in total. 3 imposed restrictions that woyld be removed after a period of time if I could show no history of gout or cholesterol. The remaining 2 (most expensive by far) said they would make a note on my file but not impose any restrictions.

So in answer to your question, yes taking a statin will make a big difference.

Only your body

I had a heart attack two years ago at a stent, put in so they put me on all these heart medications, and for a year i felt I was dying because of the side effects which have now been reported for all my medication, so in my head I came to live with my thai wife in thailand thinking I was going to be dying.

But where she lives and her roles, nickname, doctor noi she a firm believer in the natural herbal remedies, so I ended up stopping all the national health medication. I went for a full chopped to bottom health. Check at the hospital here.They said I was actually getting better and the first readings, when I was on the medication, I spend 8 months now med free i became stronger, younger looking, full of life far better than when I was on the medicine.The thai honey is a great blood circulation the last checkup, all my readings was spot on when I first applied for insurance before leaving the UK they started a court at £37. A month when I mentioned I had the heart attack and a few injuries plate in the shoulder. They put the premium to 240 A month, and the joke was I was examined from her having another heart attack. Are injuries to my shoulders and knee? Because the pre existing conditions bangkok bank, after opening it gave me a accidental cover policy for just three hundred a year when I went in after her having a little accident with an earth driller, they gave me a full once over apart from the broken wrist they said I was in very good condition

With my vitals yes, some people might say I'm a fool for not having the insurance. What in Thailand it is so cheap. I'm doing a payshel, putting that 200 till 1 side for the rainy day. If i'm looking if it doesn't come, i've got extra money

Not really other than it will considered a pre-existing condition but under control because you take statins on a new policy

Stop for ten days then do a cholesterol check. I did and doctor said unnecessary

I don’t have high cholesterol I am just overweight so was put on statins as a preventative measure it was declared to my insurer and all was good.

If you were prescribed them from a Thai hospital and you were registered at that hospital the insurance company will know.

If you don't declare them on your Thai insurance application they will return your application and ask you to declare that you use them.

This is my experience from using another medication that I was prescribed here and never declared it.

Generally speaking, no. Not if taking a statin is the only existing risk factor. But.... high cholesterol places you at significant risk of cardiac incident, so your other existing health care history and blood pressure etc may put you at higher risk for an insurer. But really, you just have to go through their questionnaire and see what they come up with. Talk it over carefully with your agent and remember to read the fine print

It will have to be declared, then see what they say, good chance they will use it to add exclusions to your policy, or add a premium to your policy

Peculiar question. I would think that high cholesterol could be of some significance.

I would have thought so. Pre existing condition., lets see the replys!