@Chad **********

Oh, excuse me, huh? I heard that if you're married to a Thai woman, you don't need to hire four guys, but two.

@David *****

Ssme for you.

Incorrect, it happens in all countries.

It is known as "misleading fine print" or "unfair terms." It can also refer to "bait-and-switch tactics" if it involves deceiving customers with an initially favorable offer that later changes with hidden conditions.

@Rod ********

Incorrect, it happens in all countries.

It is known as "misleading fine print" or "unfair terms." It can also refer to "bait-and-switch tactics" if it involves deceiving customers with an initially favorable offer that later changes with hidden conditions.

I will add this question for consideration.

Valuable for me to make decisions when contracting:

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

@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.