What are the experiences and recommendations for purchasing medical insurance in Thailand, particularly regarding Pacific Cross?

I purchased pacific cross covid entry policy specifically to be covered for 14 day quarantine,on the 13th day I tested positive and was told the policy doesn’t cover me for the first 14 days of quarantine.Claim denied February 2021.

Whatever you do don’t buy from pacific cross, they’re terrible at paying on claims.

I can recommend

@Tenzing ******************

, they’re probably the best insurance broker in the region and can offer a lot of different packages. Their staff are really helpful and explained all the options etc.

I have CIGNA for my next visit.

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You can use this German insurance. We use more than 6 years without any problems if we living in other countries.

I forward the information here

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Try AETNA. Was BUPA before.

Have people had experience with Wrlife in getting claims paid? Their online sign up process seems unusually simple.

Do not go with Pacific Cross if you do not want the headaches. Especially stay away from the Pattaya office ran by a KIWI as that POS can GFH! I will be looking for another health insurance company soon.

I buy all my insurance through my Thai bank. Bangkok Bank specifically.

I have Pacific Cross. High coverage high deductible policy and quite satisfied. High coverage because I’m driving here all too often.

Pacific Cross about the best no need to shop around..

F

Hello Sandra... used to work for Px you are far better off with Wrlife ... MHF

I would also suggest you look elsewhere .. 😐

Try Allianz

Try Regency based out of Hong Kong. They have a BKK office also. Been very good for me.

I am going with AXA. . My first time trying it and moving in December

AIA good

You will get good and bad reviews.

The plans of Pacific Cross are decent. If possible, I would recommend to get at least the Maxima Plus plan. Better to go for Ultima or Ultima Plus. The outpatient coverage of PC is pretty good and affordable compared to other insurers. They also guarantee lifelong renewals.

They have a premium system where they give no-claim discounts. However, in case of a claim that discount will be cancelled and depending on the claim amount and total premium payment they might load the premium with up to 25%. This is just something to be aware of.

In the event of a claim, they are not the easiest to deal with, but overall they will pay if the claim is justified - sometimes after some back and forth.

Depending on your age and budget, I might be able to offer you better solutions.

Speak to

@Robert ********

I bought from him couple months back, good cover it with AXA, and price and Rob really knows his stuff and gives a great service

Also no relation by the way ✌️

Do not use Pacific Cross I have been with them for years and this year I had tongue cancer, needed a operation to remove the tumor then radiation treatment, had nothing but problems with them. Didn’t want to pay, so I had to pay up front then try to claim back. They were saying my cancer was from a STD 🤷‍♂️🤷‍♂️ anyway after another 4 months of them taking my sample to many hospitals for testing and me threatening legal action, they reluctantly paid up.

The whole thing was very stressful indeed, they wouldn’t return emails or calls either. There must be better options out there, please have a good look around.

@CNX *******

can assist with options and give feedback.

Had a policy for one year. Everything look good on paper before I got the application.

Any and all information about preconditioning conditions will likely be excluded from your policy with these guys for a few to several years. This includes any test you may have had that came out negative or you no longer have conditions.

Customer service will not be your agent. Once you buy the policy you'll probably never hear from your agent again.

For travel short term or living/long term?