What are the experiences of expats with medical insurance companies in Thailand?

Medical Insurance Claim Experiences Insurance Providers Cigna AIA WrLive Customer Service Health Insurance in Thailand

Nov 4, 2024

17 days ago

ORIGINAL POSTER

Medical insurance…

PLEASE ONLY POST IF YOU HAVE PREVIOUS / CURRENT CLAIMS EXPERIENCE. 

Would like to hear from members experiences with medical insurance companies. Who have you used that have good customer service and settled your claim without any fuss? 

Not sure if we can mention the bad ones due to laws here in Thailand? I’m sure someone will clarify if that can be discussed.

Thanks in advance.

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TLDR : Answer Summary

The post seeks firsthand accounts from expats in Thailand regarding their experiences with medical insurance providers and the efficiency of their claims process. Participants share both positive and negative experiences, emphasizing customer service and ease of claims. Notable mentions include Cigna and AIA for their good service, while WrLive receives criticism for poor claim handling. The discussion highlights the importance of choosing reputable companies and direct dealings for better service.

Geoff **********

I have used Cigna Global (great service, hospitals like dealing with them no issues they always paid the hospital direct) but they arr more expensive. Switched to AIA and so far no problems with claims (claimed once other times hospital wad direct paid). Custoner service has been good for me, but my wife is an AIA agent so that may help. Good luck (and can DM me if you would like a quote from them)

12 days ago

David ********

AIA have amazing customer service but not cheap claims simple to set up trusted also by hospitals

16 days ago

Nick *******

ORIGINAL POSTER

@Da***

Do you have personal experience of making a claim?

16 days ago

David ********

@Nick ******

yes I had a motorcycle accident all taken care of. My advise stick with bigger companies you get what you pay for. The horror stories are usually from lower end companies people don't want to pay a bit extra so they get screwed around.Also deal direct with the company not agents.

16 days ago

Reply to

David ********

Onne ***********

WrLive very bad not pay, maffia

16 days ago

Nick *******

ORIGINAL POSTER

@Onne **********

I’ve seen their reviews. It’s company address in UK is shared with 100’s of other companies.

16 days ago

Onne ***********

@Nick ******

every week promise my 40.000 bath, i have speak 4 months, promise and not pay, big maffia

Galenus ******

why don't they pay?

Onne ***********

send pm

Reply to

Onne ***********

Danny *******

DM me for my experience

17 days ago

John *******

I use Cigna - for the most part, they are good. Have had some fights with them

17 days ago

Stephen ********

@John ******

cigna Jack up premium as you get older.. Almost tripled mine after a birthday although I never claimed. I Cancelled of course

17 days ago

John *******

@Stephen *******

I def. get more out of them than I pay in. My annual meds are well over $15,000

16 days ago

Stephen ********

@John ******

well done! Hope they dont price you out too when you reach their 'higher risk age pool'

John *******

staying 40 forever

Stephen ********

yeah. I wish. 555. Check out the Long Life Temple at omihachiman. If the 800+ steps up dont induce heart failure!

16 days ago

Reply to

Stephen ********

Kelly ********

My daughter has just spent time in hospital MTL we’re fantastic and authorised the claim straight away. I was dreading it as heard some terrible stories about some insurances but they liaised with the hospital and there agents were so helpful.

17 days ago

Nick *******

ORIGINAL POSTER

@Kelly *******

Unfortunately, you only find out if insurance companies are good at the worst time. It’s why I’m trying to get feedback from experienced claimers.

Who’s MTL sorry?

17 days ago

Kelly ********

@Nick ******

yes unfortunately you do. Muang Thai life. My step mum and sister who are Thai told me to go with them when I moved the family here. I had read a lot about insurances not paying out or you having to pay then claming back. I’m from uk we don’t have to have private health care, so I had zero experience and listened to them, so glad I did but I was still waiting for them to expect me to pay , right up until she was discharged 🤣All I had to do was pay 250baht for her medication. This was literally the past weekend

17 days ago

Nick *******

ORIGINAL POSTER

@Kelly *******

Glad it worked out. Thanks and I will. Check them out.

16 days ago

Reply to

Nick *******

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