@Julane ******

Living 8 years here.

I haven't been to the West since then.

I consider that I could only take out Thai national insurance.

In my country, there are good social medical services.

@Jeff ******

Some policies offer benefits or discounts for maintaining good health.

I am going to add this valuable question to my mass email to try to find out what insurers have to say about this nuance.

@Jeff ******

If the insurance includes the annual check-up, but you fear it could affect the premium, there are some factors to consider:

✅ Advantages of doing it through insurance:

You don’t pay extra for check-ups if they are already covered.

Health issues can be detected early and monitored.

Some policies offer benefits or discounts for maintaining good health.

❌ Possible disadvantages:

If the results show a problem, the insurer could increase the premium or impose coverage restrictions in the future.

Depending on the contract, they might use the information to modify insurance conditions.

If the insurance covers it without affecting the premium, taking advantage of it makes sense. But if there is a risk they might use the information against you, doing it privately could be safer in the long run. Have you reviewed your policy’s terms regarding this?

@Bill ********

Thank you for the information.

It is important to hear from others whether a company works seriously with people.

@Steve *********

What health insurance company do you have?

@Albert *******

Well, I think about your age, pre-existing conditions. I also think about your policy, international? I suppose you have an international policy. With all these ingredients, a high price. Well, look at what I'm telling you: I was thinking of taking out an international policy, but since I haven't left this country for many years, I'm going to take out a national Thai insurance policy. The savings will be considerable, although I will opt for a better policy than a basic or usual coverage. My needs and preferences are stated in another message.

@Bill ********

What type of claims?

Thanks for comment

@Albert *******

650 VS 200 ? Interesting

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