When does a tourist become an expat for medical insurance purposes?

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timmydownawell
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Re: When does a tourist become an expat for medical insurance purposes?

Post by timmydownawell »

phuketrichard wrote: Wed Jul 28, 2021 2:21 pm
timmydownawell wrote: Wed Jul 28, 2021 12:47 pm Have you guys got quotes from SafetyNet yet? Mine came in at a fraction of the price of other insurers.
yea right;
Entry age 60 years old, https://www.safetynet-health.com/for-individuals/
Ah, well that's a shame.
Bluenose wrote: Wed Jul 28, 2021 2:33 pm
timmydownawell wrote: Wed Jul 28, 2021 12:47 pm Have you guys got quotes from SafetyNet yet? Mine came in at a fraction of the price of other insurers.
SafetyNet doesn't give the same cover as full medical policies (it basically covers the cost of the hospital in case you end up there through accident or illness emergency) but it's a hell of a lot better than nothing. The quote I had was for this was around a quarter of that for full medical insurance, if it was me was footing the bill instead of my employer I would be tempted. Forte are their partner here.
Well that is fine for me and possibly others on a budget. And yes, mine was also about a quarter of other quotes I'd had too. Guess I need to get in before I'm 60.
You must walk in traffic to cross the road - Cambodian proverb
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atst
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Re: When does a tourist become an expat for medical insurance purposes?

Post by atst »

Kammekor wrote: Wed Jul 28, 2021 11:48 am
atst wrote: Wed Jul 28, 2021 10:32 am Got a quote I think I'll do the same as the insurance company and gamble I don't need to claim
I'll just put $2600 in bank at 7% every year, in ten years I'll have $37500,
You probably won't, don't try to fool yourself. :stir:
It's something I've already done, but I know many wouldn't see it though, set and forget is the mindset
I'm standing up, so I must be straight.
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AndyKK
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Re: When does a tourist become an expat for medical insurance purposes?

Post by AndyKK »

phuketrichard wrote: Wed Jul 28, 2021 2:21 pm
timmydownawell wrote: Wed Jul 28, 2021 12:47 pm Have you guys got quotes from SafetyNet yet? Mine came in at a fraction of the price of other insurers.
yea right;
Entry age 60 years old, https://www.safetynet-health.com/for-individuals/

am sure urs is cheaper, as it all depends on ur age;
....This thread is a good example why Cambodia is not a good country to grow old a die in
why not? what does the cost of insurance have to do with growing old here?

as to dying.... ur going to die wherever u are at some time, there is no reason to think ur ever going to get sick or ill till u die>
I'd rather put my money on black on a roulette wheel than buy medical insurance

Both my grandparents were healthy, till the day they died of a heart attack
Black on the roulette wheel, if the Chinese would let you in the casino. My luck it would land on red anyhow.
Both your grandparents were living in Cambodia for that outcome! No, sorry.
Seriously it's not fun getting ill here, best have insurance if you can afford to have it. Some would say it is stupid to be with out, but there's still drawbacks if you have, some illness may not be treated here, and with the Covid19 situation it makes things difficult getting in hospital and getting out of the country. It's like Richard has mentioned, just a gamble today.
Always "hope" but never "expect".
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Clutch Cargo
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Re: When does a tourist become an expat for medical insurance purposes?

Post by Clutch Cargo »

phuketrichard wrote: Wed Jul 28, 2021 2:21 pm
....This thread is a good example why Cambodia is not a good country to grow old a die in
why not? what does the cost of insurance have to do with growing old here?

as to dying.... ur going to die wherever u are at some time, there is no reason to think ur ever going to get sick or ill till u die>
I'd rather put my money on black on a roulette wheel than buy medical insurance

Both my grandparents were healthy, till the day they died of a heart attack
Sorry PR but I don't get the logic there. Yes, some people drop dead without advance notice in terms of being aware of pre-existing conditions. Yet again, isn't it the case that many more (most?) are aware of problems, seek treatment accordingly and are sick/ill before that happens? So I would think there is every reason to think you may be sick/ill before you die..on the balance of probability.

These days too, many older folk I know including myself get regular yearly check ups and tests as a preventative measure. The theory being that the earlier a condition is picked up the greater chance something can be done about it to prevent your death.

With respect....you say your grandparents were healthy till they died of heart attack...maybe they had pre existing blood circulatory problems that they were unaware of and maybe didn't manifest itself in day to day living but eventually the constricted arteries led to the heart attack. For example, I take daily statin medication to control high colesterol (which by the way is a hereditary condition rather than lifestyle) and I only discovered that at age 40 coz my employer at the time had the wisdom to undertake health checks for all the staff. Had I not found out about it then, imagine the damage to my arteries by now..

Hence why I think medical health insurance comes into play..unless of course, you have unlimited access to funds.
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Kammekor
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Re: When does a tourist become an expat for medical insurance purposes?

Post by Kammekor »

atst wrote: Wed Jul 28, 2021 3:06 pm
Kammekor wrote: Wed Jul 28, 2021 11:48 am
atst wrote: Wed Jul 28, 2021 10:32 am Got a quote I think I'll do the same as the insurance company and gamble I don't need to claim
I'll just put $2600 in bank at 7% every year, in ten years I'll have $37500,
You probably won't, don't try to fool yourself. :stir:
It's something I've already done, but I know many wouldn't see it though, set and forget is the mindset
Guess you're a rare breed. Most couldn't resist when in need of money for whatever reason I think.
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atst
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Re: When does a tourist become an expat for medical insurance purposes?

Post by atst »

Just got another reply from insurer at 60 I'm to old but even the premium policy wouldn't be enough to cover hospital deposit. And in the large email nowhere is the prices stated

Image
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atst
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Re: When does a tourist become an expat for medical insurance purposes?

Post by atst »

I'm starting to think about not being an expat when this covid crap is over and you can fly, doing just two months at a time on tourist Visa doing visa runs ,I'm retired and $3000USD a year in premiums would go a long way towards air fares. Travel insurance on my visa card only. More thinking juice needed :beer3:
Any thoughts everyone.
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phuketrichard
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Re: When does a tourist become an expat for medical insurance purposes?

Post by phuketrichard »

atst wrote: Fri Jul 30, 2021 3:47 am I'm starting to think about not being an expat when this covid crap is over and you can fly, doing just two months at a time on tourist Visa doing visa runs ,I'm retired and $3000USD a year in premiums would go a long way towards air fares. Travel insurance on my visa card only. More thinking juice needed :beer3:
Any thoughts everyone.
How are you to know if during the 2 months ur overseas, ( Cambodia, Thailand, Timbuktu ) ? you dont need the insurance?

Better save the $3,000++ fly back home each year and do a full medical test, ( if ur so inclined) and catch anything that could be treated in ur own country
but still

accidents happen

I'll roll the dice with my life and be insurance free
In a nation run by swine, all pigs are upward-mobile and the rest of us are fucked until we can put our acts together: not necessarily to win, but mainly to keep from losing completely. HST
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atst
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Re: When does a tourist become an expat for medical insurance purposes?

Post by atst »

phuketrichard wrote: Fri Jul 30, 2021 7:16 am
atst wrote: Fri Jul 30, 2021 3:47 am I'm starting to think about not being an expat when this covid crap is over and you can fly, doing just two months at a time on tourist Visa doing visa runs ,I'm retired and $3000USD a year in premiums would go a long way towards air fares. Travel insurance on my visa card only. More thinking juice needed :beer3:
Any thoughts everyone.
How are you to know if during the 2 months ur overseas, ( Cambodia, Thailand, Timbuktu ) ? you dont need the insurance?

Better save the $3,000++ fly back home each year and do a full medical test, ( if ur so inclined) and catch anything that could be treated in ur own country
but still

accidents happen

I'll roll the dice with my life and be insurance free
I'd be traveling as a tourist with free travel insurance from my credit card ( if they are any good who knows) . Agree each time I've returned to australia I get a check-up, infact just did it yesterday here in NZ.
I'm standing up, so I must be straight.
What's a poor man do when the blues keep following him around.(Smoking Dynamite)
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phuketrichard
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Re: When does a tourist become an expat for medical insurance purposes?

Post by phuketrichard »

curious; does ur free insurance via cc require you to spend xx amount of time in ur own country or could you just travel indefinitely around,
what does it cover?

Last medical I had was back in like 2015 at Bumrungrad and they told me i was fine but had slightly high blood pressure and some scaring on my lungs from when i had pneumonia
Haven't had one in the states since i joined the peace corps back in 79
In a nation run by swine, all pigs are upward-mobile and the rest of us are fucked until we can put our acts together: not necessarily to win, but mainly to keep from losing completely. HST
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