What are the experiences and recommendations for Pacific Prime insurance and other options in Thailand?

Question

Not visa related
Hello everyone!

I’m planning to get Pacific prime insurance. Any of you have used it before?

Or any other recommendations?

Thank you

Ask Thailand · Answer

The discussion revolves around experiences with Pacific Prime insurance and various other insurance options available for expats in Thailand. Users share personal experiences with different insurers, like Pacific Cross and Cigna Global, and recommend getting local insurance advice, especially when considering pre-existing conditions. Suggestions include contacting brokers in Thailand, being aware of potential exclusions, waiting periods, and the importance of having sufficient savings for unforeseen circumstances. Overall, the community emphasizes the need for tailored coverage based on individual circumstances.

Chris ********** · Answer

APG on Soi 12 in Pattaya. Jay can help.

David ******* · Answer

How old are you may I ask?

Robert ************ · Answer

i read all these insurance companies people recommend.  but do they cover pre existing conditions? do they pay their claims? do they pay directly too the hospital?

Exciting********* · Answer

I also got one through  [mention redacted]…. But I decided to go with their axa quote with a deductible, it just fit my needs a little more ….They were very helpful and knowledgeable….

Alexander ************* · Answer

Pacific Cross  was Earlier a catastrophe and could charge up to 120% higher premium if you used them. But they changed their policy abolishing the extreme individual charging scheme getting more in line with others. However, they are not the cheapest alternative and the premium accelerate quite much at higher ages. The cheapest alternative is today WR-life.

Ron ****** · Answer

Contact Alan at ThaiExpatHealth. He suggested the best plan for my situation, all I had to do was the medical and pay the premium. Job done, excellent service.

John ********* · Answer

Pacific Cross. Decent and comprehensive. But should you have any pre conditions can be problematic. Watch out for waiting periods and exclusions. Pacific Prime were not the best Broker to be fair. Do NOT try to arrange Thai Medicare cover while overseas. Use Travel insurance initially and use a reputable and recommended Broker within Thailand in person after arrival. Your Travel Policy allows that element of flexibility. Allow plenty of time the underwriting process can take far longer than anticipated.

Ralf ********** · Answer

You've completed your research and made your decision 👍 but we don't know your circumstances and needs, so we can't judge your decision.

The important thing is that you are insured and have a reliable contact person.

Mel ****** · Answer

regardless of who you choose, always be sure to have plenty of savings in case your insurance (even if expensive and company is based in Germany) preapproves your surgery and then denies your claim after you have the surgery and then says they will make an exception and pay your claim and then deny your claim again.

Todd ********* · Answer

Interested in your post, looking for insurance as well

Mark *********** · Answer

I got setup with Cigna Global through Pacific Prime. Agent Taylor was knowledgeable and helpful.

What are the experiences and recommendations for Pacific Prime insurance and other options in Thailand?

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