@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.

@Julane ******

You've touched on a couple of very important points that I hadn't considered. I'm going to include them in my email for a mass send to the list of brokers you have recommended.

I will send my inquiry email to Cigna Global.

Thanks, Julane.

Points

1. Is there an age limit?

2. Does it cover annual medical check-ups?

Thanks

Julane

@Kool ******

It's certainly an option I hadn't considered to check with mine. Kasikorn Bank.

Thanks, Kool

@Ricky ******

Noted, Ricky !

@Rachel ******

Noted.

@Peter ******

It's fine, I was just commenting on the fact.