@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.

@Joe *********

idiot.

@Joe *********

Grow up.

@Annette ********

No insurance requested for this visa.

Hi

@Ph**

, luckily I already have one open 👍

Cheers

@Bra****

👍

Hi

@Stu***

thanks for the reply. So I will still have to transfer 800k for the extension? The proof of funds in my UK account doesn’t go towards that for the first application?

I’ve researched this extensively and there are some important points to consider before buying.

1. Disclose everything! Insurers here hate to pay out even more that those in western countries.

2. Their understanding and attitude towards certain pre-existing conditions is basic. They excessively load for conditions that don’t warrant it, like mild asthma.

3. At the quoting stage, you will be given a basic cover premium and when you disclose pre-existing conditions, the premium obviously increases. DON’T assume you are now covered for those pre-existing conditions because of the higher premium, you WILL NOT be.

4. Ask about increase caps on your renewal premium or even better a policy that doesn’t increase if zero claims are made.

5. Read any policy you receive VERY CAREFULLY before you agree to take out the policy.

6. Go direct to the insurer for a quote, I’ve received the same cover from agents with inflated prices. Yes they have to make their cut but an extra rd??

7. Be aware of some companies that offer very low starting premiums and claim to have offices in Europe. DO YOUR RESEARCH. If it’s too good to be true, it definitely is.

8. DON’T listen to any FB recommendations unless that person has made a claim from their insurers, received good customer service AND been paid out. YOU NEVER KNOW HOW GOOD AN INSURER IS, UNTIL ITS TIME TO CLAIM.

9. Read their reviews!

10. Look into whether you can get cover internationally from a provider in your own country. It will be more expensive but most likely, less headaches.

I welcome anyone to provide proven stories of having great service and being paid out promptly without any problems from their insurer. AGENTS NEED NOT ANSWER.