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Which insurance companies cover pre-existing medical conditions for expats in Thailand?
Pre-existing ConditionsHealth Insurance ThailandExpat InsuranceInsurance RecommendationsAetnaCIGNAInsurance for ExpatsSainsbury's Travel InsuranceLumaEurop Assistance
Nov 13, 2021
4 years ago
John *********
ORIGINAL POSTERCan anyone suggest an insurance company that allows pre-existing medical conditions?
TLDR : Answer Summary
This Q&A discusses various insurance options for expats in Thailand that cover pre-existing medical conditions. Several participants suggest companies such as Luma, Sainsbury’s Travel Insurance, and Aetna, highlighting the varying coverage and costs. There is a focus on the challenges faced by older expats and those with chronic conditions in securing affordable insurance. Additionally, the conversation touches on the importance of understanding policy details, such as waiting periods and coverage limitations.
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Brendan ********
Ask them to make exclusions for pre-existing Conditions. If they are stable or controlled. Brings price down,
Wyn **********
Maybe a company you havent used before.
Sean **********
Sorry used luma for insurance to enter thailand my existing insurance covers me for any previous conditions which luma did not ask about
John *********
ORIGINAL POSTERThank you everyone 😊
John **********
They will at a super expensive price
Sammy *******
@John *********
even then, most often not.Reply to
Sammy *******
Reply
Greg ********
Do you mean the insurance covers pre-existing conditions from day 1? What is easier you get cover but the pre-existing conditions not covered or have a qualifying period of no claims against them.
John *********
ORIGINAL POSTERPre existing chronic condition
John *********
ORIGINAL POSTERDoes anybody know an insurance company that covers pre-existing that the average expat could get?
Sammy *******
@John ********
dont think it exists here, especially if u are older.Reply to
Sammy *******
Reply
Greg ********
@John ********
My company medical cover now covers my pre-existing conditions. There was a 2 year qualifying period where I could not make a claim. I had to fully declare everything when I started at the company too. I think it costs the company 260k THB a year for my cover. It is with AETNASammy *******
@Greg *******
ur paying 260,000 baht a year I premiums? and you had to pay this amount for the 2 year qualifying period also, or not until after? I know some said their company would cover pre-existing conditions, but, I'd like to see the details of that coverage as the saying goes, " the devil is in the details", and, having quite a bit of experience in the insurance industry, I have not seen co panies here truly cover pre-existing. Aetna here in Thailand will not offer new coverage to anyone 65 or over, unless you were with them before. There was a guy some time back who talked about how CIGNA, raised his rates so high, without allowing pre-existing conditions, he finally went the self-insure route. if I misunderstood u and u were indicating that Aetna pays 260,000 in claims for you per year, what is the premium charged
Greg ********
@Sammy ******
The company I work for pays my premium and it is around 260k THB a year. I know this as it shows on my tax return. I work for a large Japanese MNC at Global Director level. It is part of my package and they tend to take care of their staff. It is very good coverage.Sammy *******
@Greg *******
so, this is not Aetna in Thailand, or it is the Japaneses company here? Well, that is unusual, and expensive-- frankly, and sadly, not that expensive if paying for great coverage in the US-- having helped arrange for employee insurance with carriers like Aetna, BlueCross, private outfits like Kaiser, etc it can be 8 to 12 to 20 thousand a year, all depending on plan benefits, deduct, co-pays, and which medical group is contracted. Also, because of its status, your company might be able to arrange coverages not available on the "open market", but also, most here, I doubt would want, or be able to pay 260,000 a year in premiums.Greg ********
@Sammy ******
Once health cover USA is mentioned premiums become outrageous. I worked in Big Pharma at a global level for over 20 years. Pretty much need a knowledge of comparative healthcare systems, even did a course on it long time ago.Greg ********
@Sammy ******
Worldwide excluding USA. As for paying 260k a year I would not want but I could lol. I dropped that on a Panerai just yesterday. :-)Sammy *******
@Greg *******
that's good to know, but, obviously being able to spend that much is not typical of most expats here in Thailand.Greg ********
@Sammy ******
The cover the local thaia staff get is good for in Thailand too. Our admin tell us it is one of the key reasons staff retention is good. The cover for their families and kids is very good.Greg ********
@Sammy ******
Sure, I realise that. It is part of my benefits package along with share options, bonus and other things. Reply to
Greg ********
Reply
David ********
Europ assistance smart
Brian ********
Try Sainsbury’s Travel insurance you can get a quote online
Sean **********
Luma
Sammy *******
@Sean *********
really, which of their plans and for how much. When I had previously contacted a Lyma agent, I was told pre-existing conditions excluded?Reply to
Sammy *******
Reply
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