What issues have others faced with Pacific Cross regarding hospital bill payments, and what advice can you offer?

After reading all these comments, it appears that most will self ensure. What happens if you go to the emergency room and you can’t pre-pay?

Not sure about the term, if emergency they will ask to paid it in advance.

You may want to contact Pacific Cross directly to clarify any discrepancies or delays with payment. In some cases, hospitals might require you to pay upfront and seek reimbursement later from the insurance company. It’s also helpful to check the specific terms of your policy to ensure the bill falls within their coverage guidelines. Others have had mixed experiences, with some delays in claims processing, but persistence with follow-up calls and emails usually resolves the issue. You could also ask the hospital to contact Pacific Cross on your behalf, as they often have direct lines to insurance providers.

Virtually all insurance companies that write insurance here will try hard to deny claims on the basis of preexisting situations or less than candid disclosures on the application. Its very sad

I'm with Pacific Cross. Am I happy with them? I would say

I have never been sick my entire life apart from having Non-Hodgkin's Lymphoma back in 1980.

Then four years ago I got diagnosed with cancer on the back of my throat and COPD. Pacific Cross refused to pay for COPD treatment as they claim it was a pre-existing condition which was complete rubbish. So I contacted the Insurance Ombut Man and Pacific Cross agreed to pay for some of it.

As for the cancer treatment, as long as I was in hospital, Pacific Cross paid but Radiotherapy is done as an outpatient and so only got 2'500THB per day for a maximum of 30 days. Each of the 75 Radiation treatments cost 5'500THB.

At the time, the entire medical bill for COPD and cancer treatment, including medication and renting a small room in a homestead for three months close to the Cancer hospital was over 2.5 million THB. Insurance paid around 40% of it, the rest I had to pay myself.

PC will go off what your doctor has written.. its as simple as that.

Depending on what cover you have will determine if u get paid out or not..

In Thailand I'm guessing the doctor has said 1 thing to you and has put something else in the report.... At the end the insurance company will go of the doctors report rather than you jumping up and down trying to explain it to them...

Hope all works out mate

Pretty sure it was these guys that refused to pay for friends chemo.

I don't have Pacific Cross, however I have had dealings with them in the past when processing bills. They are extremely difficult to deal with , and appear to like to delay, ask for additional paperwork etc , their model appears to be based on make it so difficult that the claiment will give up. Cigna are by far the easiest and most professional to deal with . This is my experience as a healthcare provider in Thailand. Good luck

Don't forget Thai insurers will exclude pre-existing conditions, things you are likely to claim on, so you'll need to self insure anyway

@Danny ******

what exactly are they not covering, and why? Most every insurance, including Pacific Cross, do not cover accidents when alcohol was involved, when a high risk activity was involved, like involving a motorcycle, or when the law was being broken. What did they refuse to cover exactly? No one can help you without specific details.

They are like casinos. They always win in the long run.

I don’t use insurance. Cheaper to pay out of pocket.

They've once offered that they called covid insurance, when this was required for entry by the Thai government. But then they excluded, you already guessed it ... exactly that! Like a motorcycle insurance not covering liability if you're at fault.

Ever since then I've decided I'll never do business with them, and recommended the same to anyone else.

@Danny ******

you need to elaborate why they are not paying—everybody is underwritten individually —its not a medical aid—so you need be specific about why they are not paying—too many different reasons they might have to settle the claims

Full disclosure is required at signing time —not at claim stage—Insurance is run as a business—they would all be out of business if they we paying out for non disclosed illnesses or conditions—ask for a copy of the terms and conditions from the company including ALL the exclusions you will be subjected too—BEFORE you sign

I had a claim paid for $10,000 when i got a kidney stone in Singapore.

Used them for 5 years, needed to claim once for serious illness with hospital stay and they paid out as per contract,

Generally speaking, you could just take out a good accident and critical illness cover, and self insure for everything else, it's not expensive to treat minor illnesses, a bad accident or a critical illness are the two things that could potentially cost you a lot of money, I get messages everyday from AXA and AIA saying polices start from ฿9 a day.

If you have resources self insured, most insurance companies here just take in premiums and run happily to bank

Wear a Buddhist Amulet

Most Thai based insurance has many loopholes and just take your money premiums

The best is Cigna Global a western insurer, more expensive but legitimate insurance for overseas and pays hospitals directly



mailto:

Waste of time insurance companies

Most bad insurance imo.

Usually undisclosed pre-existing condition?

What was the reason they didn‘t want to pay?