Wow that's expensive, shouldn't have recommended them in this case, I only have my home and car insurance there so didn't know their health insurance was so much!
EDIT: That's with $750 deductible, and 'Outpatient' coverage at $250.78 per month with $500 deductable (10% cost share ($3000 max.))
I could forego the Outpatient coverage and it's $385.76 per month or $4629.12 per year.
Easiest option: https://www.healthcareinternational.com/
Cheapest option: http://www.auslandskrankenversicherung.de But need to move to Germany every 5 years.
HealthCare International has the most reasonable premiums of many policies I've seen (I wouldn't qualify for the German one). In my case, the bare bones "Emergency" ($500,000) policy will run me $1339.20 a year with a $2000 deductible.
I bought the HCI policy... mostly for 'piece of mind'. After all, it's gambling where I hope I don't 'win' i.e. collect on the insurance. If I moved to Vietnam with no health insurance, I'd constantly be in a little angst... and in the back of my mind would be "What if...".
- Posts: 172
- Joined: Fri Aug 11, 2017 3:52 pm
- Reputation: 66
- Location: Naypyidaw, Myanmar
Having the best medical cover won't help you if you have a serious accident or illness in a remote location.
I'm stickin' to (mostly) motos now... and hopefully any crashes will result in hospital bills of less than my rather high deductible. I figure $2000 will go a long way in Vietnam for minor shit... but it could be a 'drop in the bucket' if I really need the insurance for something major.
How long after you applied for the policy with HealthCare International did it take for them to confirm/follow up/send the policy?
I applied (and paid) online last night. However, I've received nothing (except the 'quote' and my 'chat transcript') by email yet. I was 'chatting' with them while filling out the application because I was unsure of what to put for:
- my address (I'm moving at the end of the month)
- my occupation (I'm retiring)
- my doctor (I haven't had a doctor for 12 years... my 'old' doctor in Canada has retired). The Koreans and Chinese have been giving me yearly medical exams for Immigration/Residence Permit purposes... but I haven't been ill or seen a doctor.
I have a link to their website that confirms I have paid -
... but nothing else (yet). I emailed them asking "What's happening?"... but they haven't replied (yet).Your transaction for medical_XXXXXXXXXXXX was valid.
HCI replied they have accepted my application and their underwriters added no exclusions. However, it seems the website/computer wasn't working properly when I applied. When they sent me a confirmation of coverage and a copy of my application to sign and return, I noticed two of my answers to questions on the Health History questionnaire were answered 'No' when they should be 'Yes' (I had 'ticked' Yes): 31) Have you smoked...? and 35) Have you had major dental work...? . After a frustrating evening of email correspondence, they have sent my application (with the correct answers) back to the underwriters for re-evaluation.
Now, I'm waiting to hear from them... again.
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