Insurance for Long-Term Travellers

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tightenupvolume1
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Re: Insurance for Long-Term Travellers

Post by tightenupvolume1 » Wed Oct 11, 2017 6:16 pm

I have had 2 stays in hospital in India with insurance, both times pneumonia. Without the insurance i would now be dead or skint. I don,t know about KOW but in India if you are paying you can,t really haggle and they really exagerate what treatment you need drugs, all sorts of MRI scans, Xrays and will just milk you for all they can.
I am not sure about long term travel insurance but a couple of months travel insurance from UK for India works out at about £2 a day.

charlie
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AndyKK
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Re: Insurance for Long-Term Travellers

Post by AndyKK » Wed Oct 11, 2017 6:29 pm

tightenupvolume1 wrote:
Wed Oct 11, 2017 6:16 pm
I have had 2 stays in hospital in India with insurance, both times pneumonia. Without the insurance i would now be dead or skint. I don,t know about KOW but in India if you are paying you can,t really haggle and they really exagerate what treatment you need drugs, all sorts of MRI scans, Xrays and will just milk you for all they can.
I am not sure about long term travel insurance but a couple of months travel insurance from UK for India works out at about £2 a day.

charlie
That is OK for short time holidays. But what is there for long time expats?
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tightenupvolume1
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Re: Insurance for Long-Term Travellers

Post by tightenupvolume1 » Wed Oct 11, 2017 6:41 pm

I have never looked into it. But you can get up to a year in one policy for travel. After that is strays into a different type of insurance, ie not travel insurance.
Old people over 60 living in Asia would probably have to pay a lot for what is basically health insurance as apposed to travel insurance.

charlie
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andy1
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Re: Insurance for Long-Term Travellers

Post by andy1 » Wed Oct 11, 2017 9:44 pm

If you intend to ride a moto check the small print very very carefully,there are hundreds of loop holes they come up with.
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tightenupvolume1
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Re: Insurance for Long-Term Travellers

Post by tightenupvolume1 » Wed Oct 11, 2017 10:00 pm

yep loopholes, they do everthing possible in order to avoid a pay out so check them.
charlie
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Re: Insurance for Long-Term Travellers

Post by Jamie_Lambo » Wed Oct 11, 2017 11:36 pm

Jasper wrote:
Wed Oct 11, 2017 5:34 pm
Jamie_Lambo wrote:
Wed Oct 11, 2017 4:58 am
if you look for "backpacker" travel insurance thats usually open for country hopping, not too expensive either
Yeah, this company does a 'backpacker' policy as well for the same price.

Another advantage of using them is that I don't have to tell them the countries I want to visit before I go there, whereas with some other insurers I'd have to get in touch with them each time I wanted to travel which I couldn't be arsed doing!
yeah, ive used it a few times for about 6-7months it usually costs me around £70 i think, all depends on how much excess you want to pay
:tophat: Mean Dtuk Mean Trei, Mean Loy Mean Srey
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Re: Insurance for Long-Term Travellers

Post by bangkokhooker » Thu Oct 12, 2017 10:08 am

I think the hospitals charge less and don't take the piss if you don't have insurance and are paying yourself.
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tightenupvolume1
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Re: Insurance for Long-Term Travellers

Post by tightenupvolume1 » Thu Oct 12, 2017 10:59 am

If insurance are paying who cares what they charge? The big insurance companys have trusted hospital in most places.

charlie
a faint heart never fucked a pig
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AndyKK
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Re: Insurance for Long-Term Travellers

Post by AndyKK » Thu Oct 12, 2017 11:56 am

tightenupvolume1 wrote:
Thu Oct 12, 2017 10:59 am
If insurance are paying who cares what they charge? The big insurance companys have trusted hospital in most places.

charlie
The large hospital bills put up the insurance premiums.
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Jasper
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Re: Insurance for Long-Term Travellers

Post by Jasper » Tue Oct 17, 2017 7:39 pm

Thanks for all the pointers, everyone.

I'm going to sleep on it for a while before I decide whether to give the blood-suckers my hard-earned.

:hattip:
Milk was a bad choice
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