What are people's experiences with Cigna Silver medical insurance in Thailand?

James Shirley oh ok, shew

No.

Lance Mided I think I've had 4 claims and 2 denials so far. Denials were for wellness services not covered under my original policy, which I've now updated. No premium impact.

Munzie Munro I self insure as well after one year with AXXA. No claim history and rate increased for the second year with a 10k USD deductible and 20% co-pay. Have self insured for 4 years and with one, ten day hospitalization, I am way ahead of the game. Self insurance takes discipline so it’s not for everyone but with getting older and having pre-existing conditions, health insurance options are very meager. They will promise the moon and stars to get you to apply but will either turn you down or double (or triple) the premium after underwriting. Then others report that Thai insurers (and many insurers worldwide) will deny claims flat out or based on blaming pre-existing conditions. At least with self insurance you maintain control!! And before someone says “what if you get cancer and treatment is 10 million baht?” Self insurance is to cover MOST normal scenarios when traditional insurance is either unaffordable or unavailable, not to cover every horrific possibility. Insurance companies get rich by fanning the flames of that kind of paranoia. Whether you choose to buy into that mentality is a personal choice.

Munzie Munro they all scam