@Greg *******

so, this is not Aetna in Thailand, or it is the Japaneses company here? Well, that is unusual, and expensive-- frankly, and sadly, not that expensive if paying for great coverage in the US-- having helped arrange for employee insurance with carriers like Aetna, BlueCross, private outfits like Kaiser, etc it can be 8 to 12 to 20 thousand a year, all depending on plan benefits, deduct, co-pays, and which medical group is contracted. Also, because of its status, your company might be able to arrange coverages not available on the "open market", but also, most here, I doubt would want, or be able to pay 260,000 a year in premiums.

@Sean *********

really, which of their plans and for how much. When I had previously contacted a Lyma agent, I was told pre-existing conditions excluded?

@John *********

even then, most often not.

@Greg *******

ur paying 260,000 baht a year I premiums? and you had to pay this amount for the 2 year qualifying period also, or not until after? I know some said their company would cover pre-existing conditions, but, I'd like to see the details of that coverage as the saying goes, " the devil is in the details", and, having quite a bit of experience in the insurance industry, I have not seen co panies here truly cover pre-existing. Aetna here in Thailand will not offer new coverage to anyone 65 or over, unless you were with them before. There was a guy some time back who talked about how CIGNA, raised his rates so high, without allowing pre-existing conditions, he finally went the self-insure route.

if I misunderstood u and u were indicating that Aetna pays 260,000 in claims for you per year, what is the premium charged

and depending on exchange rate, it might make the minimum 65,000 baht foreign transfer requirement.

@Phil ********

all insurance carriers HERE exclude for pre-existing conditions. And, of course, neither of us is naive, especially the larger carriers are more than capable financially assuming the risk, they simply dont want to. We also understand that most insurance companies dont make large profits based only on the premium payments they receive.

It's the game of insurance carriers, cover if they think someone might not be much of a risk, dont cover if they are. It's just the way it is when health care is a "for profit" system, which in Thailand, for Thais, and so many other countries, health care is provided. The US is a shameful example of not doing that until Medicare can kick in, but even Medicare is sadly lacking in some areas, and a surprise to many, not completely free.

@Darren ******

omg who could have known??!!

@Phil ********

their "credentials are solid", not sure what that really means? Do they exclude for pre-existing conditions and do they offer initial coverage to anyone 65 years old or older? -- these are what I would consider two key credentials.

@Xaynaly *************

Does Luma exclude for pre-existing conditions and will they offer initial coverage to anyone 65 and over?

@Nick ******

I know of PCL well, researched it previously, along with most others offering coverage here in Thailand. Overall Pacific Cross has a good reputation, offers variety of plan options, with various deductibles to save on premiums and things like, if I recall correctly, premium discounts on renewal if u havent used the plan the previous plan year. ( more unlikely the older you are). But, they costly, comparatively so, and still exclude for pre-existing conditions and limited coverage with age or weight factors,. Again, if a plan will not cover, for example, cardiac issues because you are on high blood pressure meds, such insurance losesca lot of value to you.