Post
by Barney » October 30, 2019, 7:33 am
pipoz4444
Not sure i'm in the correct thread as I don't have any issues with my missus and dual passports associated with Mandatory health cover?
Any way i'll place my answer for you here.
I am only in the infancy thought process of what visa type I will attempt in the future. Lot of ducks to get In a line first. But for the small amount of time I have been looking at health insurance as part of any visa application and because of the new laws I am initially drawn to the Pacific Cross health cover provider for the reasons you have highlighted being age restriction and of course costs. I still have the option when applying as a first time visa applicant of an insurer outside of Thailand, I think you don't have that option now with your visa in place. I have extracted the line items from Pacific Cross just to show you the entry age from 6 to 75 and with further medical reviews after 75 to the age of 99. If I can be bothered to persevere in life to 99 then a wheelchair in the policy will be the mandatory requirement. And of course some one to push it around. 99 i'll probably out live the current squeeze.
I suppose the one thing that may make it cheaper in the future is a better exchange rate from the appalling rates at this point in time. I haven't seen any % discount deduction for first timers. But there is a line advising non claim deductions, further advice from the provider would be sought for this discount.
•Applicant must be aged 6 – 75 years old.
•If a claim is made by any insured or covered person under the Policy during a Policy year, any No Claim Discount achieved will be lost and the status of the discount will be as at 1st policy year shown above.
•If a claim relating to the previous year is subsequently submitted and accepted, and a No Claim Discount has already been given, The Company reserves the right to deduct the equivalent monetary amount of the No Claim Discount from the value of the claim. Any No Claim Discount achieved will be lost and the status of the discount will be as at 1st policy.
•Elective treatment for North America, Japan, Hong Kong, EU countries and Switzerland – This benefit is permitted only on a case by case basis with no guarantee of acceptance. In all others countries pre-approval of treatment is required.
•The applicant must be Thai resident or reside in Thailand at least 6 months in 12 months period.
•The emergency medical evacuation service shall activate while the insured person travelling more than 150 kilometres away from home for less than 90 consecutive days.
•The coverage of the permanent implanted medical devices and artificial organs are subject to 5 years waiting period.
•The insured has the ability to continuously renew the policy up to age 99 years, premium and coverage may be adjusted following the claim experience, health condition, increasing age.
•Information in this brochure is only preliminary information provided for the applicant to consider for applying for health insurance coverage from the company, all insuring conditions shall be referred to Definition, General Definition, General Exclusions, and Insuring Agreement of the health insurance policy of the company.
Annual Premium (BAHT) – INCLUDES TAX and Stamp Duty
Age Group Platinum 1 Platinum 2 Platinum 3
51-55 30,626 37,381 49,509
56-60 35,795 43,276 57,584
61-65 51,074 60,386 81,746
66-70 54,357 64,221 87,138
71-75 70,190 81,058 111,505
Last edited by
Barney on October 30, 2019, 7:36 am, edited 1 time in total.