frank lee bent wrote: ↑Wed Oct 24, 2018 5:09 am can we get some endorsements from satisfied insurance clients for favored companies?

This would be quite instructive.

Recently I've read posters mentioning Forte and AG for health insurance.

I have friends that use A+ International and are content with it but haven't made any claims yet.

I'm considering A+ myself but am still on the fence.

out of my 400$ a month allowance i could not afford insurance,but then again if i worked and the company paid i would have

I have World Nomads, costs about AU$700/year. Once claimed a US$250 biopsy on it and got it refunded (minus the AU$100 excess) quickly and easily. Really the main reason for having it is for a medevac if ever needed. Although I know if it came to the worst, you guys would all chip in to my Gofundme, wouldn't you?

I had Forte Medi+ which covered my serious accident and medivac to Thailand.

I had A+ international but never needed a claim.

I also had life insurance in Cambodia, through one of Royal Group companies.

Just for a lark, i asked about medical insurance last year and at my age it would be $11,000/year

How old are you? 110???

I have a $500,000 per annum cover, medical policy plus medivac from Myanmar to Bangkok. It's a well-known UK company that covers me except in the USA.

I'm almost 60 years old and I pay about $800 a year in premiums.....

simon43 wrote:
How old are you? 110???

I have a $500,000 per annum cover, medical policy plus medivac from Myanmar to Bangkok. It's a well-known UK company that covers me except in the USA.

I'm almost 60 years old and I pay about $800 a year in premiums.....

I would guess that’s because you are legally resident in UK or other Western country. All these ‘cheap’ insurance policies require you to be a resident of that country.
If you live long term in Cambodia and are around 60 years old, then health insurance premiums are far higher, running into the multi-thousands per year.


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I would guess that’s because you are legally resident in UK or other Western country. All these ‘cheap’ insurance policies require you to be a resident of that country.

Nope, left the UK in 2002, no address, not on the electoral role etc. I have an expat medical insurance policy from the UK company listed with my address in Myanmar.

I took out the policy a couple of years ago with no pre-existing medical conditions (still have none). Of course, the premiums will rise as I get older and move into a different insurance band, but the 60-65 years old band is about a 20% premium increase over my current premium. Since it's a UK company, they cannot refuse my insurance renewal each year, cannot increase my individual premium if I claim etc, (unlike Thai companies who can price you out if you make a claim).

simon43 wrote: ↑Fri Oct 26, 2018 3:57 am

I would guess that’s because you are legally resident in UK or other Western country. All these ‘cheap’ insurance policies require you to be a resident of that country.

Nope, left the UK in 2002, no address, not on the electoral role etc. I have an expat medical insurance policy from the UK company listed with my address in Myanmar.

I took out the policy a couple of years ago with no pre-existing medical conditions (still have none). Of course, the premiums will rise as I get older and move into a different insurance band, but the 60-65 years old band is about a 20% premium increase over my current premium. Since it's a UK company, they cannot refuse my insurance renewal each year, cannot increase my individual premium if I claim etc, (unlike Thai companies who can price you out if you make a claim).

And the name of this company is?

I had MSH a couple of years ago. Didn't need to claim on it. Cover for me and missus in Asia only but treatment anywhere we chose in the region, including medevac, was about $2300. Last year we were travelling and had World Nomads. They paid out for emergency treatment for my missus in South America without any problems. A few years ago I had a not very serious accident in Thailand which cost about $20k to put right. DAN covered that. This year we went with Regency. It was about $2400 (introductory 25% discount) for me, missus and sprog, worldwide coverage except US and Canada.
I wouldn't chance self-insurance without at least $500k in the bank.