What are the best annual health insurance options for expats aged 60 to 80 in Thailand?

Question

Annual In patient Health Insurance.

I am looking for annual health insurance that carries from aged 60 to 80yrs+.
I seek advice from people who have had both good and bad experiences when actually making a claim. Companies like Pacific Cross, axa etc have policies but its peoples personal experiences that matter.
I am in Bangkok and understand that the Insurance broker used is equally important as, although they all get standard commission on sales, their support and communications in making the process of claiming, simple, is crucial.
I don’t seek 5 star accomodation or VIP treatment, just a policy to cover all expenses, paid directly to a hospital for serious unexpected events like stroke, heart attack or serious accident. I have no health issues.

I think any advice/ experience from members and even brokers will be helpful to all members

Any advice greatly appreciated.

Ask Thailand · Answer

This discussion seeks recommendations for annual inpatient health insurance suitable for expats aged 60 to 80 in Bangkok, looking for reliable coverage without preexisting conditions. Community members share personal experiences with various insurers including AXA, Pacific Cross, AIA, and suggest the importance of a good insurance broker. Participants discuss claims processes, coverage experiences, and recommendations for insurers that provide quality service without exorbitant costs.

Rick *********** · Answer

I have an AIA policy that has paid for 3 hospitalizations and 2 surgeries in the 8 years I have had the policy. Last surgery insurance paid the hospitalization and I only paid the small deductible. Prior to that I paid the hospital and insurance rebated me minus the deductible.

I'm satisfied with my policy but concerned that it will expire when I turn 80.

I'm satisfied with my policy but concerned that it will expire when I turn 80.

Neil ********* · Answer

Hi Alan dm me I have access to everyone in the market we can chat and go from there

Janin ****** · Answer

BDAE from Swiss life is top!

Mark ************ · Answer

Hello Alan...consider Wrlife life time cover 5 yr fixed premiums ... MHF  Wrlife

[url redacted]

Alan ********* · Answer

Thanks Tom. It seems a good agent is essential in Thailand

John ********** · Answer

I use AIA. Have had a fairly small claim (3 night stay and small procedure) which they paid direct to the hospital. Hospital were angling to be paid in cash, at least I assume why they were dragging their heels, a quick call to my agent and it was sorted in 10 minutes

Tom ******** · Answer

LUMA has done me well

Alan ******* · Answer

I was with PC and they denied a large claim for a total thyroidectomy, because of what they classed as "non disclosure". This was because after requesting my Australian medical records, they found I had been treated for a painful shoulder, many years ago and shingles that I had not declared on my application.