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local vs international insurance providers
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I am looking at thai life+health insurance policies with wide private hospital coverage and would like to hear comments on:
Is it commonly expected to pay the first full year premium up front? (I have always used employer offered plans before and they always started with monthy premiums.)
How common is it in plans for the insurer to have the discrepancy whether to require me to pay for an incident up front and then get reimbursement?