ali baba wrote: ↑Sat Apr 29, 2023 9:46 pm I can pay insurance preminums for years and never make a claim or have my claim denied or put the money in the bank and get it back with interest. Insurance doesn't look like a good investment to me.

ali baba wrote: ↑Sun Apr 30, 2023 1:53 am And other people have shared stories of insurance companies dumping them as soon as they ask for help.

BklynBoy wrote: ↑Fri Apr 28, 2023 11:10 pm

Ong Tay wrote: ↑Fri Apr 28, 2023 3:42 pm I have "global" coverage through CIGNA, which should cover me anywhere in the world, except for the US (specifically excluded). It also has an evacuation rider, which would allow me to be medevac'd out of Vietnam to Singapore or Thailand.

One issue to consider is pre-existing conditions. When I applied for this insurance 2+ years ago, I had to complete a questionnaire about previous illnesses/conditions (but did not have to undertake a medical exam). That resulted in the insurer excluding such conditions from coverage; fortunately they were relatively minor conditions and I was comfortable with them not be covered, though slightly annoyed.

This policy is not cheap, but I have no co-pay or deductible. In theory, at least, it offers some degree of assurance that I will be covered should I be run over by a motorbike, stricken with cancer, or some other serious malady.

I would look for a plan that provides for inpatient hospitalization (and all of the costs associated with that - doctor's fees, diagnostics, procedures, food, etc) and medical evacuation.

As another poster said earlier, leave out the outpatient services and you should be able to save some money.

I used CIgna Global in 2020 to cover the health insurance part of my trip to Cambodia for that summer. I forget the cost. Maybe 150 per month? I used it to get in and then canceled it after a few weeks. ( i was in cambodia apprx 2 months)

question-- you said it's not cheap. Approx how much per month do you pay for Cigna?

schlarry wrote: ↑Sun Apr 30, 2023 3:35 am I used Bupa Blue Cross and they paid everything for a week in hospital, private ward.

I moved to Aetna and they did the same. The nurse brought me a wine list!