Do any of you carry FEHB Anthem/BCBS? Bangkok Hospitals are contracted to them. If yes, would like to hear your experiences.

My partner and I bought insurance with Bangkok Insurance (via Bangkok Bank) yesterday. We received medical insurance cards with instructions to arrive at the hospital and present the card and ID if we ever needed to use it. Today, my partner twisted his ankle whilst running and we ended up at the hospital. He's got a nasty ligament tear and a tibia fracture. Because our insurance policy is so new (purchased yesterday afternoon), we were not in the system yet and the hospital couldn't get through to the insurers due to Songkran.

We were advised to pay for all bills and claim back. Obviously, we did this so that he could receive treatment.

Does anyone know the process to claim back medical expenses with Bangkok Insurance, when ideally we should have been covered immediately? We have all receipts, medical reports etc.

Assuming we meet all criteria and evidence, will they just pay directly into his bank account the full amount?

Thanks!

To those who got Income tax refund here in Thailand, how long was the waiting time? How is this claimed? What documents I need to prepare? (Besides form filling )

Asking because I’m moving out from Thailand in 2weeks.

Thanks in advance 🙏🏼

Okay, now it's time for Health Insurance! Who do y'all recommend? I am not wanting to fight for reimbursements. I am looking for full health care coverage that passes the visa application. I also don't want to have a motorcycle accident and have to pay out of pocket..

Looking for what works for you!?

I am considering getting a health care insurance policy and would like to get some advice regarding pre existing conditions. I don’t have any looming health issues, but have collected a few pre existing conditions. Not going to go into details online for obvious reasons. Are pre existing conditions excluded forever or just in the first year? Is the premium reduced in that first year because they are excluded. Is there a guarantee of renewal after the first year/ trial period when the exclusion is no longer valid. I hate to waste money on premiums for coverage I won’t be afforded now or in the future. Appreciation for any advice before I meet with an agent. Examples/experience with various policy types etc. - thanks!

Anyone use AXA for health insurance? Are they a good company?