I am shopping around for Health Insurance. I don't plan to renew with the company I currently have a policy with because I am really not satisfied with their customer service.

Based on my comparison of existing companies, I am down to AIA and AXA.

For those of you that have a policy with one of these companies, I would like to know your personal experiences:

- How is the customer service? Is it easy to get answers to questions and a fast response?

- If you have had to submit a claim, was it easy to get a payment (either direct pay or reimburse) or were you subjected to a long and arduous "analysis" process?

- For those of you that are in the 70+ age group, are the premiums still affordable or do they skyrocket? I am 57 years young, but I want to know what type of increases I need to expect in the future.

Thanks in advance for your help!

In case anyone is wondering, I am not satisfied with my current insurance company because:

1. Their customer service is very poor. They either do not respond to queries, or end up answering them after a very long time (more than 1 week) and multiple reminders.

2. I have had to submit a small claim (2500 baht), and have been submitted to a barrage of questions and documents that I have needed to provide. Each time I send a document, additional documents and information are being requested in piece-meal fashion. After more than one month, I still have not gotten and response.