Health Insurance for American Expat in Bangkok with family?

[Fabio]

Seeking Health Insurance. Brokers – please don’t bombard me with offers.

I am looking for recommendations from satisfied customers. I am an American expat and will be 50 this year. I am married to a Thai woman and we have a 4 year old daughter.

I need a health insurance policy for myself with comprehensive coverage. I am also looking for coverage for my daughter and wife.

I travel in Asia and the USA for business so I will need international coverage as well. I want inpatient and outpatient coverage.

Please tell me who you use if you are very satisfied and who you purchased it from.

I know there are lots of choices. Some great. Some terrible. HELP.

If you are a broker with a local office you are welcome to send me ONE PM. I respect follow-up but…… Thanks everyone. Here is to your health.

[Candy]

My Husband is also 50 year old American, BUPA is the best, this is what we have. Although, the coverage in the US is only accidental. I believe Aetna is completely international.

This is what a co-worker uses and he is around your age as well.

[Valerie]

I have used both BUPA, AIA and AACP and a few others. Each one has positive and negative. I myself work for a hospital and I get employees benefits but I pay for my own insurance policies just in case.

BUPA has better health coverage but beware that it’s a health insurance company and by Thai law, allows it to increase rate quite rapidly if you have many claims.

While AIA and others are life insurance company so they are limited as to how much they can increase, but their health insurance product line is also limited. Certain companies give better service with regards to claims. But they don’t offer as wide health benefit range as BUPA.

I now have 2 health policies, one with AACP and one with AIA and a separate policy for travel (we travel oversea 4-5 times per year).

My husband who is an Expat, I get him the same 2 policies with a bit more coverage. Because the policies we have all have limits on each categories (room, doctors fee, surgery fee) we can make claim, by having two policies We had to pay out of pocket only once and the amount was less than 10,000 BHT for a major surgery.

For your child, the cost of policy is very high until one turns 6 years old.

I would get a small policy. As for travel policy, we spend around 100 dollars per year. And get one for our son each trip ( a child cannot get annual travel policy. Not sure why).

We find that by doing it this way, it cost much less than if we were to get one comprehensive policy for worldwide.

If you are interested in getting my agent’s name, please let me know. She takes care of all my insurance products, condo insurance, business liability and asset insurance, key man life insurance and health. Very knowledgeable. She also compare products amongst all the companies to get you the best suited products.