I have decided to contact only brokers.

I made a list.

Why is it better to use a broker?

Using a broker is a better option because they work independently from insurance companies and can offer unbiased recommendations based on your specific needs. They compare multiple policies from different providers, ensuring you get the best coverage at the most competitive price. Additionally, brokers can assist with claims, policy adjustments, and understanding the fine print of your insurance plan, making the process smoother and less stressful.

1. Expat Insurance

Provides health insurance services and other products for expatriates in Thailand.

expatinsurance.com

2. Pacific Prime

A global insurance broker offering health insurance for expatriates in Thailand.

pacificprime.com

3. GoExpat Insurance

Specializes in health insurance for expatriates in Thailand, helping to compare different options.

goexpatinsurance.com

4. MediGuide

A broker specializing in international health insurance, including options for expatriates in Thailand.

mediguide.com

5. InsureMyTrip

Provides brokerage services for health insurance for expatriates in Thailand.

insuremytrip.com

6. HealthCare International

An insurance broker offering solutions for expatriates in Thailand and other international destinations.

healthcareinternational.com

7. William Russell

A broker specializing in health insurance for expatriates in Thailand and other parts of the world.

william-russell.com

8. Bupa Global

Although an insurance company, it also acts as a broker by offering multiple plans from different insurance providers.

bupaglobal.com

9. Allianz Partners

Provides brokerage services for international health insurance, specifically for expatriates in Thailand.

allianz-partners.com

10. Aetna International

Acts as a broker, offering global health insurance plans for expatriates in Thailand.

aetnainternational.com

@Julane ******

Cigma email,.pls

I had an existential question related to insurance companies when it comes to hiring. What is better, to contact a broker or to contact a specific company one by one?

I believe both situations are trained to assist you. However, when it comes to payment:

It depends on the customer. A company provides a call center for services when needed.

Contacting a broker is easier for communication or a local visit.

Both are trained on the benefits and conditions.

But I recommend that the payment should be made directly to the insurance company's account.

In general, payments should be made directly to the insurance company. However, in some cases, a broker may offer additional services, such as managing the payment and processing the policy, in which case the payment would be made through the broker, who would then forward it to the insurer.

It is important to check with the broker and the insurer how the payment will specifically be handled to avoid any misunderstandings.

In case no 6 months -1 years Visa Visa

Can use these instead

1. Work permit

2. Marriage certificate

In case anyone is interested.

Plans in Thailand.

Health and accident plans:

Plan 1-2:

Requires:

Passport

6 months to 1 year visa

Full coverage for accidents

Requires more conditions and documentation due to broader benefits.

Plan 3-4:

Requires:

Only passport

Offers different and more limited benefits compared to Plans 1-2.

All plans:

Offer monthly payment options.

Summary of why and how:

Why:

Plans 1-2 have more requirements (6 months to 1 year visa) because they offer more complete coverage, including accidents. This means the insurer needs to verify that the applicant has more stable residency and a long-term commitment to the country.

Plans 3-4 are more basic, so they only require the passport and are easier to access, but with fewer coverage or benefits.

How:

Depending on the amount of coverage and benefits you need, you can opt for a more complete plan or a more basic one. If you prefer full coverage with all benefits, Plans 1-2 would be the most suitable, but if you only need basic coverage, Plans 3-4 might be enough.

What I have found out: it means that the health and accident plans they offer are quite similar in coverage to other companies in Thailand. However, some differentiate in two aspects:

Monthly payment with no additional charges: They offer the option of monthly payments with no extra fees.

Health concierge department: They have a department that helps policyholders compare medical treatment costs and assist in choosing hospitals, which can be helpful if you need medical care and want to compare prices.

This seems to be an added value that these companies provide compared to others.

@Julane ******

I understand, although I am a different type of person, I live in Thailand permanently, I have my family and my wife here. In other words, why pay more?

@Robert **********

Asking here is not useful for such topics. Partially true. It depends a lot on the group or community where you ask. In some places, there are experienced people who give useful and well-explained answers, but in others, you only find unfounded opinions or responses that don’t solve anything. There are also many people who comment just for the sake of it, without really knowing about the topic.

Thank you for your real contribution.

@Robert **********

Good for you ! Top

But tell it to him, "" not to me""

"Correct, he hasn't asked all those questions, but you know what it's about."

It’s about supporting, contributing. Very well. Also, what you’ve said can be useful to other people, obviously.

"Speaking the truth can make people think twice and give up, or simply move forward in the right way."

AXA

But I already had a contract from Europe.

"An international policy is more appealing for life insurance, but I haven't left Thailand for many years (married with a child), so I'll probably go for a national policy instead. More affordable."

@Robert **********

If you really want to add something positive, tell him what he should do with periods and commas. Ask him if he is willing and confident to do it, but in a different way.