Answereda year ago
Should I disclose my diabetes when applying for health insurance in Thailand?
Question for those in the know. I’m trying to get some health insurance. Problem is I have diabetes, so no one will touch me here, even with a waiver.
The question is should I just omit the fact that I have diabetes ? With my medication it is kept in normal limits
Any opinions , im 58 btw
The question is should I just omit the fact that I have diabetes ? With my medication it is kept in normal limits
Any opinions , im 58 btw
Answer summary
An expat in Thailand is seeking advice on whether to disclose their diabetes condition when applying for health insurance, as most insurers have denied coverage due to this pre-existing condition. Community responses emphasize the importance of full disclosure to avoid future claim denials and insurance invalidation, highlighting the potential consequences of omitting medical information. Suggestions include contacting Pacific Cross for insurance options and discussing the complexities of veteran benefits related to diabetes.
44 repliesnewest first
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Abe ********
I've just spoken with Macallan insurance brokers in Pattaya. I have quite an extensive medical history including pulmonary embolism, broken back, sleep apnoea.
They got me a quote of between 35k-50k baht a year depending on if I want 3million baht or 5 million baht cover and a few extras or exclusions.
So they might well be worth a try. The quote they got me was with Pacific Cross.
They got me a quote of between 35k-50k baht a year depending on if I want 3million baht or 5 million baht cover and a few extras or exclusions.
So they might well be worth a try. The quote they got me was with Pacific Cross.
***************************
Andreas *********
It is not only the diabetes itself, but also the resulting diseases. So everything that can be related to diabetes will be rejected. it is closed useless and the contract goes into cancellation (without repayment of already paid premiums). only a small excerpt of secondary diseases in the appendix
Secondary diseases of diabetes (diabetic foot, kidney disease, cardiovascular disease) are diseases that are triggered or exacerbated by the metabolic disorder diabetes mellitus. They primarily affect the eyes, kidneys, blood vessels, nerves, and feet.
Secondary diseases of diabetes (diabetic foot, kidney disease, cardiovascular disease) are diseases that are triggered or exacerbated by the metabolic disorder diabetes mellitus. They primarily affect the eyes, kidneys, blood vessels, nerves, and feet.
Dennis *********
No insurance, we'll except for government sponsored that covers pre existing conditions.
They will eventually find out from your records. They specifically exclude pre existing conditions but will cover everything else.
They will eventually find out from your records. They specifically exclude pre existing conditions but will cover everything else.
Terry ********
OP@Dennis ********
oh sorry, I thought you suffered from the delusion that I actually paid for my medical. The VA covers my expenses. Especially anything preexisting.
As to getting my medical records, good luck with that. I don’t even know where they’re kept. I haven’t been back to the states in 25 years
Dennis *********
sorry, i'm not suffering from anything. but for you would be good when asking for advise to give specifics. in your case, it's VA "i.e. US government policy" and there is a VA in Thailand you can register with... so what you looking for is not regular insurance, but insurance through the VA in Thailand "which one could not reasonably assume from your post". however if you go to a regular insurance company, pre-existing conditions would definitely apply, they don't care if you are a veteran or not. So unclear why you'd even bring up pre-existing conditions to begin with. Also I know people who have VA insurance in Thailand, and I'm certain VA only covers Medical conditions from when in the military, and not certain they're going to cover diabetes for you, however fell free to have your own delusions about that... i.e. others I know have the VA there, and private insurance for other issues unrelated to their military service.
Terry ********
OP@Dennis ********
so I’m not exactly following ya. You’re saying no insurance, or government sponsored that covers. Naturally they will know from my medical records from the VA. Can you please explain a little clearer ?Dennis *********
whats to explain. they will insist to get your medical records from your home country, and then any pre-existing conditions will be called out on your policy that that's not covered. even in US except for company "group" policies and medicare is exactly the same. Insurance companies, to the surprise of many is a "for profit" enterprise.
Brook ********
If you lie on the application, if you ever make a claim, the claim will be denied and you will have paid all those premiums for no reason.
Additionally, most of the applications ask, “ have you ever been denied?”
Additionally, most of the applications ask, “ have you ever been denied?”
Colin *******
They will contact your UK GP, and access your records, before issuing a policy, most will not cover you. If they do issue a Policy they will give you a policy that only covers Covid and Accident and Emergency for a premium.
Terry ********
OP@Colin ******
my UK GP ? I’m guessing that means United Kingdom General Practitioner ? First I mentioned I was in the US Navy, second I don’t have any records talking about diabetes. Third I don’t even have any medical records unless you go back 35 years when I was discharged
Tony **********
It's called fraud.
Stephen *********
Try pacific cross don't leave anything out
Gerg **********
Is it type 1 or type 2? If it’s type 2, it’s caused by poor diet and eating too many carbohydrates for your own personal physiology. You can totally reverse type 2 diabetes to a normal A1C (5.6 or less) with an ultra low carb diet. It might take 6 months or more depending on how high it is now, but may be a good way to go in the long run.
Robert ***********
@Gerg *********
A low carb diet in Thailand? 🤣🤣🤣🤣🤣Gerg **********
@Robert **********
Yep, I eat it every day. Steaks, ground beef, and eggs. That’s it!Robert ***********
@Gerg *********
Boring.
Andy **********
@Gerg *********
That doesn't reverse the complications of diabetes. Eg neuropathy, retinopathy. Also, there is genuine division in medicine whether Roy Taylors approach actually gets rid of diabetes or merely puts it in remission. Ie you still have T2D but you no longer need medicine to treat it. The approach is that trials show if you are on less than 800kcal a day for 12 weeks, which is starvation diet, more than 50% of cases put the diabetes into touch.. it also means that ni nearly 50% of cases, they still have diabetes. Don't pedal false hope. Insurance will still nor cover consequences of diabetes and you have to declare past diagnoses.Gerg **********
@Andy *********
I’m not putting out false hope, just because you don’t believe it. I reversed mine and I’ve had a normal A1C for 3 years, I know what the truth is. If you want to rename it “remission”, I don’t care, but mine is gone. Kaput. History. Never coming back because I’ll never stop eating this way.
Chris **********
@Gerg *********
dropped mine from a 9.7 to a 5.1, then I lost my foot. A1C of a number put out with fear. 9.7 or 5.1, doesn't matter. Neuropathy, infections and sores still happen on the reg.
Michael *******
You must declare!! If you were ill. And don’t declare! No payout fact! 👍
Fabio ******
• Without prior medical evidence, there is no definitive way to medically prove that someone had Type 2 diabetes in the past.
• Specialist evaluations (neurology, nephrology, ophthalmology) may provide indirect support for a history of long-term, untreated diabetes.
• This kind of medical reasoning might support a hypothesis, but it is not considered proof, especially in legal or insurance contexts.
• Specialist evaluations (neurology, nephrology, ophthalmology) may provide indirect support for a history of long-term, untreated diabetes.
• This kind of medical reasoning might support a hypothesis, but it is not considered proof, especially in legal or insurance contexts.
Fabio ******
just do not disclose it and buy your medicine by yourself.
Terry ********
OP@Fabio *****
that is what I do now. It’s only 6,000฿ for a 4 month supply of both my diabetes medication and epilepsy medication total. And they never say anything about my epilepsy, just the diabetes. And no seizures for over 10 years
Roland *******
Medical services are very good in Thailand and not that expensive 🫰
Jeremy ********
Were you ever in the US military and receive a VA disability pension?
Terry ********
OP@Jeremy *******
yes, US Navy, 100% permanent disabled
Ernesto ********
@Terry *******
from the gulf war ?Jeremy ********
@Terry *******
you can also let the insurance companies know you have it covered via the VAJeremy ********
@Terry *******
go into Va website and sign up for the FMP (Foreign medical program) it covers all your VA disabilities overseas either via direct billing or via reimbursement Bangkok Hospital directs bills the VA
If you don’t have diabetes as a disability put in a claim via the pact act or secondary and even if you get a zero percent rating it’s covered
Jeremy ********
@Ernesto *******
you obviously have no idea how the VA works and it showsJeremy ********
Terry ********
OP@Jeremy *******
no, I would go to Bangkok It’s only 15km from my placeTerry ********
OP@Ernesto *******
sorry, but I do buy it. I’m already at 100%, they can’t make me any higher. But they can add on at 0%. I have been a va disabled vet for over 30 years nowErnesto ********
@Jeremy *******
sorry. Don’t buy it.Jeremy ********
@Ernesto *******
you can also look up secondaries Diabetes can be a secondary to hypertension (high blood pressure)
Diabetes can be a secondary to PTSD, sleep apnea plus probably more
The more you know…google is a great source of information, but only if you use it
Jeremy ********
@Ernesto *******
that’s up to a Dr to diagnose and say yes or no, not me But if you were in who knows what “Vaccine” they shot you up with, what chemicals you were exposed to (agent orange is a diabetes contributor as per the VA) or geographical area you were in
He stated he was in the navy maybe he was on a nuclear propelled ship and worked in or around the nuclear reactor and being in close proximity to it caused diabetes
Ernesto ********
@Jeremy *******
as you saying you can have diabetes as a disability? The military didn’t cause that.Jeremy ********
@Terry *******
good luck If you are going to Pattaya then have a clinic there that specializes in VA FMP
Vfhmec.com
Terry ********
OP@Jeremy *******
that’s super helpful, thanks for sharing your expertise!I’ve already shot off a letter to the DAV
Patrick ********
I got thyroid issue it didn't increase costs. Reveal everything everytime.
Pete *******
Disclose everything otherwise your insurance will be invalid. You will just have to accept swallowing the cost of any diabetic treatment.
Frank **********
No, do not lie. You are required to disclose your condition.
Peter *******
If you don't declare pre-existing conditions they will just use it against you when you claim, deny the claim and can cancel your insurance even if unrelated. Farangland insurance is better, better regs
El ******************
@Peter ******
What is FarangLand Insurance. Googled it and nothing came up. If you are trying to say that getting international insurance is better why not just say that?Activity
22 joined22
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