Health Insurance

[owenjones]

Originally Posted by MisterB

We are aslo assured by Bupa and effectively the premliums rised but they are quite affordable and we had some claims, Bupa paid without problem. We have a friend assured by AIA, the premiums are more expensive, quite a lot more, and AIA does not pay well. Friend's wife is in hospital since 4 months and had three operations for a colon cancer. At that time AIA refused to pay, even for the room, the bills never match the insurance requirements. They said they may be will pay for the room but not for the operations and the drugs. At that time friends spent 600'000 bath. Same for another claim from him, AIA said the guy had hight blood pressure and did not mentioned it. He had blood pressure after an intervention at the hospital, but never before.... Be happy with Bupa or book an international insurance but the premiums are not the same.

I can only speak for myself and my wife.

Three years ago i was diagnosed with premature senile cataracts.
In my right eye.
I went to Bangkok-Pattaya hospital and had a plastic lens fitted within my eye.
It cost 60k Baht and the insurance paid everything.

The following year, the other eye went and I had the same operation, but this time I had to pay 10k for the lens. When I queried it, they said they had made a mistake last time but let it ride.

In January this year, my wife slipped while cleaning the bathroom and broke her upper arm. The family took her to a local shama (no offence), but he did not set the bone before splinting it.He was an idiot and it nearly cost my wife her arm.

We went to hospital and it required surgery, staying there for 10 days and regular surveillance day and night.

The bill was 80k and the insurance paid the lot.

The room was better than many hotels I have stayed in my life.

Just my experience.
No affiliate links.

Owen.
PS: its called AA Insure, not AIA, I don't know them.

[MisterB]

AA insure is a brokers company, AIA is a life-insurance company, also making health insurance. I do think that AA chosen a good health company for you and your wife. (depends also on the plan you have and the premiums you pay)

Originally Posted by owenjones

I can only speak for myself and my wife.

Three years ago i was diagnosed with premature senile cataracts.
In my right eye.
I went to Bangkok-Pattaya hospital and had a plastic lens fitted within my eye.
It cost 60k Baht and the insurance paid everything.

The following year, the other eye went and I had the same operation, but this time I had to pay 10k for the lens. When I queried it, they said they had made a mistake last time but let it ride.

In January this year, my wife slipped while cleaning the bathroom and broke her upper arm. The family took her to a local shama (no offence), but he did not set the bone before splinting it.He was an idiot and it nearly cost my wife her arm.

We went to hospital and it required surgery, staying there for 10 days and regular surveillance day and night.

The bill was 80k and the insurance paid the lot.

The room was better than many hotels I have stayed in my life.

Just my experience.
No affiliate links.

Owen.
PS: its called AA Insure, not AIA, I don't know them.

[owenjones]

Originally Posted by MisterB

AA insure is a brokers company, AIA is a life-insurance company, also making health insurance. I do think that AA chosen a good health company for you and your wife. (depends also on the plan you have and the premiums you pay)

Yes, you are quite right, AA is the broker for the ex-pats club which holds the corporate plan with the Thai Health Insurance Co (I think).