Health insurance

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whiteribbon
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Re: Health insurance

Post by whiteribbon » Sat Jan 06, 2018 5:03 pm

james1234 wrote:
Thu Jan 04, 2018 5:56 pm

Got my quotation from infinity:
Plan: Essential Individual USD - 2018

Annual premium:
•Essential Plus with nil excess = $5,942.00.
•Essential with nil excess = $3,455.79
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!
just noise, white noise
pczz
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Re: Health insurance

Post by pczz » Sat Jan 06, 2018 8:23 pm

Anyone tried Manulife or prudential?
Rama
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Re: Health insurance

Post by Rama » Sun Jan 07, 2018 12:38 pm

They offer life insurance, not health insurance.
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Cruisemonkey
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Re: Health insurance

Post by Cruisemonkey » Mon Jan 08, 2018 4:53 pm

I just got a quote from Cigna. They want $636.54 a month - that's $7638.48 a year!

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.
Last edited by Cruisemonkey on Mon Jan 08, 2018 5:21 pm, edited 1 time in total.
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james1234
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Re: Health insurance

Post by james1234 » Mon Jan 08, 2018 5:15 pm

Dont't know where you are from, but the best options for me were German and UK expat insurances. Costs about 70-90$ per month! Only after 69 it gets more expansive.

Easiest option: https://www.healthcareinternational.com/
Cheapest option: http://www.auslandskrankenversicherung.de But need to move to Germany every 5 years.

Good luck
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Cruisemonkey
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Re: Health insurance

Post by Cruisemonkey » Mon Jan 08, 2018 8:30 pm

James,

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...".

Thanks!
CM
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simon43
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Re: Health insurance

Post by simon43 » Mon Jan 08, 2018 8:41 pm

As mentioned, I have the HCI policy. My only concern is that because I live in Myanmar, and ride my dirt-bike in remote areas, a serious accident will see me dead before the ox-cart ambulance arrives to take me to the filthy local clinic which is at least 3 hours away.

Having the best medical cover won't help you if you have a serious accident or illness in a remote location.
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Cruisemonkey
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Re: Health insurance

Post by Cruisemonkey » Mon Jan 08, 2018 9:36 pm

I've ridden dirt bikes on & off road all over Laos... with no insurance. 'On road' is suicidal. I've been almost killed three times: once by a flying goat that was run over by an SUV (it popped up into the air from underneath the rear differential) that passed me doing at least 180 kmph on a 'straight stretch'; once by a giant truck that ran me off the road by changing lanes as I was passing it; and once by a car who decided to pass a truck going up and around a blind, hairpin corner of a steep, narrow mountain road (with a sheer cliff on the inside and a sheer 1500 ft. drop on the outside) while I was coming down in the opposite direction. Holy Fuck Fuck Batman! The only reasons I'm still alive are a lot of experience riding bikes (street bikes in Canada - three Yamahas & a Norton - Honda Bajas & XRs in Laos and countless motos in: Thailand, Cambodia, Laos and Vietnam)... and sheer, dumb luck.
:facepalm:

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.
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Cruisemonkey
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Re: Health insurance

Post by Cruisemonkey » Tue Jan 09, 2018 5:54 am

simon43 & james1234,

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 -
Your transaction for medical_XXXXXXXXXXXX was valid.
... but nothing else (yet). I emailed them asking "What's happening?"... but they haven't replied (yet).

Thanks,
CM
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Cruisemonkey
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Re: Health insurance

Post by Cruisemonkey » Wed Jan 10, 2018 5:57 am

There's been a 'fuck up' -

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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