@Brandon ***********

Yes, yes, yes you have told me a couple of times. I’ve delete my posts as I got it mixed up. Sorry.

@Carole *******

Sorry I got mistaken with the ETA. Scrap that advise.

@Carole *******

I think it’s just for tourists as the info says, if you have DTV you don’t need to do this. So I’m guessing it applies to all long term visa holders.

Well said. 👍

I’ve done a lot of research on differing companies. The one that always showed up offering the cheapest premiums is the one that has terrible reviews for not paying out. So, cheapest isn’t the best solution as is usually true for everything.

@Us ****

🤦‍♂️

@Jeff ******

First, What if you don’t is an equal and valid question.

Second, if you are going down the self insure route, you should have a good cash reserve to do it.

Third, if you don’t have a cash reserve, anyone of a certain age should be getting full annual testing. From that you will know what your medical condition is. If you have heart problems, Thai insurance won’t cover you anyway, full stop so you’re wasting your money from the start. If you do know of any Thai insurer that WILL fully cover you for heart conditions or any other conditions, please let me know. I await your recommendation and will buy a policy immediately if premiums aren’t ridiculously high.

Fourth, if you have a heart condition and have it monitored regularly, you can always fly home before the condition worsens to a point of failure.

@Steve *********

it gets to a point where you have to weigh up is it actually worth gambling on paying big premiums only to be rejected by the exclusions.

I have some non serious pre existing conditions that I was asked to pay an extra 75% loading on my premium. I read the small print and even though I was being asked to pay extra for them, I was not being covered for them. Also I was not covered for anything that can be associated with my pre existing conditions. Well, I’m pretty sure anything ‘could’ be linked by an insurance company not wanting to pay out.

Too long to go into fully but In addition, when I challenged the Thai insurers underwriting by providing written confirmation from my UK consultant of how minor my conditions were, they just fed me B.S. why the premium was so high. UK insurers additional premium for the exact same conditions was the equivalent of 500 bht extra.

I researched lots of companies and came to the conclusion it’s better to self insure for now. I have a couple of minor pre existing conditions, which they ALL vastly loaded my premium for but excluded in their final policies!!! So, trying to get me to pay for something they wont cover. Wtf is that about!

I find Thai underwriters are not up to speed on certain conditions and load premiums out of ignorance. I have very mild asthma, which I use an inhaler for maybe once or twice a year. One insurer asked for a premium upload of 75% for this condition. ALSO, then said it would not be covered and ANY respiratory condition was ruled out 🤣🤣 Absolute joke. When I took out health insurance in UK, this condition warranted the equivalent of an extra 500 bht uplift in the premium. This highlights the difference in understanding of conditions between both countries underwriters. I’m going back to UK soon to find an insurer who will cover me abroad.

REMEMBER, you only get to find out who is actually a good insurer, when it’s time for them to pay out. Unfortunately for the vast majority, it’s too late by then.

Please post who you eventually went with.

@Steve *********

Better to put that money aside each year and self insure.