And here is a short letter presenting the objectives.

This text aims to be clear and direct, highlighting the important points in a respectful manner.

Dear [Company Name],

I am writing to express my concern regarding the clarity and transparency of the policies offered. On several occasions, the terms and conditions of the policies can be ambiguous, making it difficult to fully understand what is covered or excluded. This, along with the lack of visibility of certain key conditions or exclusions, creates confusion and potential misunderstandings.

I would appreciate it if you could review the wording of your policies, using clearer and more accessible language for customers, avoiding details that may remain hidden or not be properly understood. Additionally, it would be helpful to provide more detailed explanations of the coverage offered and possible exclusions, to avoid unfulfilled promises or surprises when making claims.

Transparency is essential in any agreement of this nature, and I believe that providing this information would not only avoid frustrations for customers but also strengthen trust in your services.

Sincerely,

Jordee

"For mass emailing."

New review of the email can you comment if I should include anything else?

Subject: Health Insurance Inquiry for an Expat in Thailand

Introduction:

My name is Jordee, I am 48 years old, and I have been living in Thailand for 8 years with a Thai family. I do not have any pre-existing conditions or a history of serious illnesses, and I have a low-risk profession as I buy and resell various products. Marriage Certificate.

My Health Insurance Needs:

I am looking for a health insurance plan that includes coverage for the following:

General medical consultations and specialist visits.

Hospitalization, including surgeries and emergency care.

Prescription medications

Emergency medical coverage, especially for accidents.

Preventative care (e.g., blood tests, cholesterol checks).

International coverage options (as I may travel abroad).

Details on deductibles, reimbursement options, and medical network affiliations.

Additionally, I consider it essential that the policy covers medical emergencies in case of traffic accidents, whether on a motorcycle or in a car. I would also like to know if there is a limit on medical expenses and whether payments are made directly to affiliated hospitals or through reimbursement.

Additional Questions:

1. Is there an age limit to enroll in the policy?

2. Does it cover annual medical check-ups?

- Valuable for me to make decisions when contracting.

"Do your policies offer any benefits or discounts for maintaining good health?"

Additional Considerations:

1. Remote Support: Does your company provide remote support through online chat for assistance with policy-related questions or medical emergencies?

2. Payment Process: Could you please clarify the payment methods available for purchasing the insurance policy? I prefer using secure payment platforms, and I would like to ensure that the payment process is clear and transparent.

3. Digital Documentation: Before finalizing the purchase, I would like to receive all relevant documentation, such as the policy details, exclusions, and any additional conditions, in a digital format (preferably PDF). This will allow me to carefully review all aspects of the policy before committing.

I would greatly appreciate more details about the available plans and the best option for my situation.

Note: If you are an insurance broker, feel free to ask for any additional information you may need before searching for providers. I will respond promptly.

Thank you for your time and attention to this matter. I look forward to your reply and a possible consultation.

Best regards,

Jordee

@Suraphong ******

Yes, I still need a new policy.

I am preparing a list ( as you can see) to send a mass email to hire a health insurance policy. I still want to expand my list (for myself or others), and when I consider it, I will contact all of them through a generic text with my preferences.

If you are a broker or work for a company, please provide your contact details, here.

I will add you to the list.

✅ List of options for health insurance policies. My idea is to send a mass email to as many companies as possible with my preferences or well-defined needs.

Can you contribute?

✓ I will keep adding more.

- AA (Broker)

@https://www.facebook.*********************

- Peter Wands

Financial advisor dealing with health insurance in Thailand.

@https://www.facebook.*********************

- Mon

@https://www.facebook.*********************

- Rungtiwa (With AXA)

Thai Insurance Solutions by Rungtiwa for Thais & Expats

@https://www.facebook.*********************

@https://www.facebook.*********************

- WrLife

@https://www.facebook.*********************

- Ban Chang Insurance and Law Hub

@https://www.facebook.*********************

- Cigna

@https://www.facebook.*********************

Cigna Quote

521&utm_content=521&utm_id=20

- Pacific Cross

@https://www.facebook.*********************

- Thai Life Insurance (By the way, they have several job offers published.)

@https://www.facebook.*********************

AiA Company Limited

@https://www.facebook.*********************

Rabbit Care ( Broker)

%281%29&utm_content=conv-core-audience-thailand-live-abroad-away-from-home-2&utm_term=20250207-conv-expat-2&fbclid=IwZXh0bgNhZW0BMABhZGlkAasXNB5pEHsBHatJtBALvevnqHn9qqznXz8uK_qUwaVsxjUb2HPxqIXCH4fEe2M_MQw5ew_aem_mbiIHh2fPYdr4CI7iYZ9Eg&utm_id=120215327592730331207-conv-expat-2&fbclid=IwZXh0bgNhZW0BMABhZGlkAasXNB5pEHsBHatJtBALvevnqHn9qqznXz8uK_qUwaVsxjUb2HPxqIXCH4fEe2M_MQw5ew_aem_mbiIHh2fPYdr4CI7iYZ9Eg&utm_id=331

@Wyn *********

Noted

@Nick ******

In the past, years ago, I would take out any policy simply to meet the goals or requirements of certain companies in order to work with them. Nowadays, I truly prefer to take my time, and if I have to spend a year reading policies, I will.

If I have to use artificial intelligence (we talked about that above) to create a policy summary (a specific prompt) in order to detect fine print and avoid being scammed, I will.

At the very least, being aware of a large part of the policy will make it clear what to expect next.

Well, you can come across any character in a white coat. For example, a friend had an electrocardiogram, and the doctor told him: "You are unfit to work" (he lost that contract). She went on to say, "Your heart rate is abnormal, its sequence or frequency. You will not be able to sign a contract with us."

Another doctor told him, "That one doesn’t know anything, that’s normal."

This may be due to factors such as stress, fatigue, caffeine consumption, or even medical conditions like arrhythmias. The second evaluation was perfect.

But do you know who told him everything was fine? The private insurance policy. However, the first test was done at a company's clinic. Who is right? Who knows.

One tells you the truth, even if they don’t know, and the other tells you a lie because they do know.

They sleep peacefully in their homes, but you’re left thinking, "What the hell has happened to me these past two days?"

The email I have considered asking.

Subject: Inquiry about Health Insurance Options in Thailand

Hello [Recipient's Name],

I hope this email finds you well.

Short Introduction:

My name is Jordee, and I am a 48-year-old expat who has been living in Thailand for the past 8 years with a Thai family and children. I don't have a physically risky profession; I buy and sell various items.

Straight to the Point:

I am looking for a health insurance plan. I do not have any pre-existing conditions but would like to ensure I am covered for general medical needs, hospital stays, medications, and emergencies.

Some specific needs I have include:

Coverage for general medical consultations and specialist visits

Hospitalization coverage, including surgeries and emergency care

Coverage for prescription medications

Emergency medical coverage, especially for accidents

Preventative care (e.g., blood tests, cholesterol checks, etc.)

Options for international coverage, as I may travel abroad

Information about coverage regarding deductibles, reimbursement, and medical network options

A clear understanding of the pricing structure and any exclusions

I have previously had long-term travel medical insurance in Thailand.

Could you kindly provide more details about the available plans and the best options for my situation?

Questions Regarding Policy Search:

1. Is there an age limit?

2. Does it cover annual medical check-ups?

I look forward to your response and a potential consultation.

Note: (If you are a broker)

If you have any questions before searching for providers, feel free to ask, and I will reply as soon as possible.

Best regards,

Jordee

I’m going to publish my email so you know what I think I should get, or what my own interest is. Feel free to comment on what you think or if I should add anything else when it comes to purchasing health insurance.

@Nigel *******

The response from ChatGPT to your comment:

Chatgpt says:

Yes, although I try to be as precise as possible, there is always the possibility that I might miss some detail, especially if the text is very lengthy or complex. That’s why it’s important that, in the end, you also review the full policy to ensure everything is clear and covered.

So, You know, it's up to you to read it to be completely sure of what you're buying.

@Rod ********

Am "Young " 48. Looking good.

Reading everything will be really tough. However, I can also tell you that there is a law that prohibits using a font size smaller than the legal minimum, and if they do, it can be challenged in court.

Most regulations tend to require a font size of at least 10 points for contracts and legal documents.

Some countries may even require a larger size, such as 12 points, to ensure the text is legible.

Points (pt) like 10 or 12 points in insurance and banking contracts.

But that's another story.