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.
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?
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.
"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."
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.
Give it a break, give it time. He's probably just probing quickly. That doesn’t mean he won’t consult a professional later. You guys judge too quickly.
It doesn't matter if you are a person in Finance, you don't know him, period.
You see what I asked him, what type of bar, big or small.
I'm just testing his investment. Don’t be so quick to judge. You guys send people to the fire too easily from behind a keyboard.
"The same thing was said about me before coming to Thailand in 2016. People would say: you're crazy, what are you going to do there, think it through, the language. Now I'm happily married and have an 8-year-old son, see?"
Hmm, I would just ask you what kind of bar it is: very big, small, etc. All these factors can cause serious issues when something goes wrong—or they can become a learning experience.