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Expat Health Insurance

Medical issues, doctors, dentists, opticians and hospitals in Hua Hin and Thailand.
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Lev
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Expat Health Insurance

Postby Lev » Mon Mar 04, 2013 9:52 am

We would like to welcome Expat Health Asia to the forum.

Expat Health Asia has been designed to focus on medical insurance for expatriates and those who have immigrated to various parts of the world. Based in Thailand and Singapore, we offer a wide variety of products for people to choose from at an affordable price.

Find out more: http://www.huahinmedia.com/expathealthasia.php

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Re: Expat Health Insurance

Postby Lung Per » Mon Mar 04, 2013 4:11 pm

Lev wrote:We would like to welcome Expat Health Asia to the forum.

Expat Health Asia has been designed to focus on medical insurance for expatriates and those who have immigrated to various parts of the world. Based in Thailand and Singapore, we offer a wide variety of products for people to choose from at an affordable price.

Find out more: http://www.huahinmedia.com/expathealthasia.php


Thank you. A very useful addition. It would be helpful if the company would add a brochure listing coverage and price options.
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Re: Expat Health Insurance

Postby ExpatHealth » Tue Mar 05, 2013 12:51 pm

Thank you for your posting. I have two Plans that offers excellent benefits for individuals and families living long term in Thailand. Enclose is a brief summary of the plans, for full details and brochures and other health insurance options please visit the website.


Thank you,

Expat Health Asia

Reside Worldwide and Reside Prime


Reside Worldwide

Benefit Type Limited Benefits
Medical Coverage Inside of the United States Up to $500,000
Medical Coverage Outside of the United States Up to $5,000,000
Preventative Benefits Available after 6 months
Maternity $2,500 inside of the U.S.
$4,000 outside of the U.S.
Mental Health Services $60/visit, 10 max visit inside the U.S. $75/visit, 10 max visit outside the U.S.
Travel Assistance Services Included
Dental Upgrade Options Not available




Reside Prime

Usual, Reasonable and Customary
Medical Coverage Inside of the United States $5,000,000
Medical Coverage Outside of the United States $5,000,000
Available after 6 months, payable up to $175
$1,000 after 1 continuous policy period
$2,000 after 2 continuous policy period
$3,000 after 3 continuous policy period
$4,000 after 4 continuous policy period
$5,000 after 5 continuous policy period
Inpatient and Outpatient benefits up to $30,000 Lifetime
Included
Optional with additional premium

------------------------------------------------------------------------------------------------------
RESIDE WORLDWIDE MEDICAL INSURANCE
Best for: Individuals residing in foreign countries who desire the flexibility to travel while maintaining adequate protection. Scheduled benefits pay a pre-determined amount per covered procedure.
Minimum Purchase: 1 year; Maximum Coverage: Lifetime (Must purchase before age 75) U.S. Citizens cannot be in the United States more than 180 days out of any given 364-day period. Non-U.S. Citizens may remain in the U.S. subject to specific requirements and limitations.
Key Highlights:
Coverage Available Worldwide
Lifetime Outside Of U.S. & Canada Up to $5,000,000
Lifetime Inside the U.S. & Canada Up to $500,000
Preventative Benefits Coverage available after 6 months
Maternity Coverage After 364 Days
Newborn Coverage After 364 Days
Travel Assistance Services Included- Available 24/7/365

------------------------------------------------------------------------------------------------------
RESIDE PRIME WORLDWIDE MEDICAL INSURANCE
Best for: Individuals spending at least 180 days outside of the United States who desire a U.S.-style medical program or foreign nationals traveling often or permanently residing in their home country. This plan will pay for new illnesses/ new injuries based on the area where you are being treated.
Minimum Purchase: 364 days; Maximum Coverage: Lifetime (Must purchase by age 75) Cannot be in the United States more than 180 days out of a 364 day period.
Key Highlights:
Coverage Available Worldwide
Lifetime Outside Of U.S. & Canada Up to $5,000,000
Lifetime Inside the U.S. & Canada Up to $5,000,000
Preventative Benefits Coverage available after 180 days
Maternity Coverage After 364 Days
Newborn Coverage After 364 Days
Mental Health Services Coverage After 364 Days
Additional Riders Can be purchased for increased AD&D, increased hospital indemnity, hazardous sports and dental upgrades
Dental Upgrades available See Brochure for details

Travel Assistance Services Included- Available 24/7/365

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Re: Expat Health Insurance

Postby PET » Tue Mar 05, 2013 5:54 pm

ExpatHealth wrote:Thank you for your posting. I have two Plans that offers excellent benefits for individuals and families living long term in Thailand. Enclose is a brief summary of the plans, for full details and brochures and other health insurance options please visit the website.


Thank you,

Expat Health Asia

Reside Worldwide and Reside Prime


Reside Worldwide

Benefit Type Limited Benefits
Medical Coverage Inside of the United States Up to $500,000
Medical Coverage Outside of the United States Up to $5,000,000
Preventative Benefits Available after 6 months
Maternity $2,500 inside of the U.S.
$4,000 outside of the U.S.
Mental Health Services $60/visit, 10 max visit inside the U.S. $75/visit, 10 max visit outside the U.S.
Travel Assistance Services Included
Dental Upgrade Options Not available




Reside Prime

Usual, Reasonable and Customary
Medical Coverage Inside of the United States $5,000,000
Medical Coverage Outside of the United States $5,000,000
Available after 6 months, payable up to $175
$1,000 after 1 continuous policy period
$2,000 after 2 continuous policy period
$3,000 after 3 continuous policy period
$4,000 after 4 continuous policy period
$5,000 after 5 continuous policy period
Inpatient and Outpatient benefits up to $30,000 Lifetime
Included
Optional with additional premium

------------------------------------------------------------------------------------------------------
RESIDE WORLDWIDE MEDICAL INSURANCE
Best for: Individuals residing in foreign countries who desire the flexibility to travel while maintaining adequate protection. Scheduled benefits pay a pre-determined amount per covered procedure.
Minimum Purchase: 1 year; Maximum Coverage: Lifetime (Must purchase before age 75) U.S. Citizens cannot be in the United States more than 180 days out of any given 364-day period. Non-U.S. Citizens may remain in the U.S. subject to specific requirements and limitations.
Key Highlights:
Coverage Available Worldwide
Lifetime Outside Of U.S. & Canada Up to $5,000,000
Lifetime Inside the U.S. & Canada Up to $500,000
Preventative Benefits Coverage available after 6 months
Maternity Coverage After 364 Days
Newborn Coverage After 364 Days
Travel Assistance Services Included- Available 24/7/365

------------------------------------------------------------------------------------------------------
RESIDE PRIME WORLDWIDE MEDICAL INSURANCE
Best for: Individuals spending at least 180 days outside of the United States who desire a U.S.-style medical program or foreign nationals traveling often or permanently residing in their home country. This plan will pay for new illnesses/ new injuries based on the area where you are being treated.
Minimum Purchase: 364 days; Maximum Coverage: Lifetime (Must purchase by age 75) Cannot be in the United States more than 180 days out of a 364 day period.
Key Highlights:
Coverage Available Worldwide
Lifetime Outside Of U.S. & Canada Up to $5,000,000
Lifetime Inside the U.S. & Canada Up to $5,000,000
Preventative Benefits Coverage available after 180 days
Maternity Coverage After 364 Days
Newborn Coverage After 364 Days
Mental Health Services Coverage After 364 Days
Additional Riders Can be purchased for increased AD&D, increased hospital indemnity, hazardous sports and dental upgrades
Dental Upgrades available See Brochure for details

Travel Assistance Services Included- Available 24/7/365



Come on let's 'cut to the chase' what is available for residents of Thailand who spend less than 60 days travelling ( excluding USA & Canada )

All this about outside USA etc is irrelevant to most on this forum, as they live here
VERAX

BE A VERY HUMBLE WINNER BUT BE A GREAT LOOSER

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Re: Expat Health Insurance

Postby JimmyGreaves » Tue Mar 05, 2013 7:31 pm

PET wrote:
ExpatHealth wrote:Thank you for your posting. I have two Plans that offers excellent benefits for individuals and families living long term in Thailand. Enclose is a brief summary of the plans, for full details and brochures and other health insurance options please visit the website.


Thank you,

Expat Health Asia

Reside Worldwide and Reside Prime


Reside Worldwide

Benefit Type Limited Benefits
Medical Coverage Inside of the United States Up to $500,000
Medical Coverage Outside of the United States Up to $5,000,000
Preventative Benefits Available after 6 months
Maternity $2,500 inside of the U.S.
$4,000 outside of the U.S.
Mental Health Services $60/visit, 10 max visit inside the U.S. $75/visit, 10 max visit outside the U.S.
Travel Assistance Services Included
Dental Upgrade Options Not available




Reside Prime

Usual, Reasonable and Customary
Medical Coverage Inside of the United States $5,000,000
Medical Coverage Outside of the United States $5,000,000
Available after 6 months, payable up to $175
$1,000 after 1 continuous policy period
$2,000 after 2 continuous policy period
$3,000 after 3 continuous policy period
$4,000 after 4 continuous policy period
$5,000 after 5 continuous policy period
Inpatient and Outpatient benefits up to $30,000 Lifetime
Included
Optional with additional premium

------------------------------------------------------------------------------------------------------
RESIDE WORLDWIDE MEDICAL INSURANCE
Best for: Individuals residing in foreign countries who desire the flexibility to travel while maintaining adequate protection. Scheduled benefits pay a pre-determined amount per covered procedure.
Minimum Purchase: 1 year; Maximum Coverage: Lifetime (Must purchase before age 75) U.S. Citizens cannot be in the United States more than 180 days out of any given 364-day period. Non-U.S. Citizens may remain in the U.S. subject to specific requirements and limitations.
Key Highlights:
Coverage Available Worldwide
Lifetime Outside Of U.S. & Canada Up to $5,000,000
Lifetime Inside the U.S. & Canada Up to $500,000
Preventative Benefits Coverage available after 6 months
Maternity Coverage After 364 Days
Newborn Coverage After 364 Days
Travel Assistance Services Included- Available 24/7/365

------------------------------------------------------------------------------------------------------
RESIDE PRIME WORLDWIDE MEDICAL INSURANCE
Best for: Individuals spending at least 180 days outside of the United States who desire a U.S.-style medical program or foreign nationals traveling often or permanently residing in their home country. This plan will pay for new illnesses/ new injuries based on the area where you are being treated.
Minimum Purchase: 364 days; Maximum Coverage: Lifetime (Must purchase by age 75) Cannot be in the United States more than 180 days out of a 364 day period.
Key Highlights:
Coverage Available Worldwide
Lifetime Outside Of U.S. & Canada Up to $5,000,000
Lifetime Inside the U.S. & Canada Up to $5,000,000
Preventative Benefits Coverage available after 180 days
Maternity Coverage After 364 Days
Newborn Coverage After 364 Days
Mental Health Services Coverage After 364 Days
Additional Riders Can be purchased for increased AD&D, increased hospital indemnity, hazardous sports and dental upgrades
Dental Upgrades available See Brochure for details

Travel Assistance Services Included- Available 24/7/365



Come on let's 'cut to the chase' what is available for residents of Thailand who spend less than 60 days travelling ( excluding USA & Canada )

All this about outside USA etc is irrelevant to most on this forum, as they live here


Totally agree - We want to know coverage here for expats.
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Re: Expat Health Insurance

Postby Homer » Tue Mar 05, 2013 8:23 pm

ExpatHealth wrote:Reside Worldwide
Reside Prime

You only have policies from sevencorners?

ExpatHealth
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Re: Expat Health Insurance

Postby ExpatHealth » Wed Mar 06, 2013 7:03 am

All the policies are for expats and travelers, The Reside Plans that I mention is mainly for long term stays, however if you are looking for short term like a few weeks or months Then we have Liaison International,Liaison Majestic,Liaison Worldwide and Liaison Continent. Check them out in our website.

As of now we offer only Seven Corners policies.

Thank you,

Expat Health Asia

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Re: Expat Health Insurance

Postby poosmate » Wed Mar 06, 2013 7:56 am

we offer a wide variety of products for people to choose from

As long as they are chosen from a list of one company who specializes in American expat workers!
Why should I consider buying from a one trick pony in a huge market? Convince me please to why this is so special and of interest to me as a Uk expat?
Or am I misreading this advert and it is only aimed at 'mericans'.
I am seriously interested in health insurance and have contacted a broker who has given me several options to choose from but I am open to other suggestions but am suspicious of agents selling only one product being purely commission driven.
no more dePreston

ExpatHealth
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Re: Expat Health Insurance

Postby ExpatHealth » Wed Mar 06, 2013 8:06 am

Hello: It is not just for expat Americans, Most of my clients are non american. If you go online you will see all the countries who are citizens on the application form.

You are correct, there are many companies that offer insurance policies, It's up to you to find the best policy for your needs, Expat Health Asia is only one tool for you to compare and if you have any questions about the policies I would be happy to answer your questions.

Thanks for posting,
Expat Health Asia

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Re: Expat Health Insurance

Postby poosmate » Wed Mar 06, 2013 8:37 am

I did go online and read your website.

If you study about this policy, you’ll see that it covers almost all diseases and illnesses that a person may suffer from.If you notice the premium section, you’ll surprised to see the premium account that you have to pay and it also doesn’t compel you to pay excessive payments. This policy is designed in such a way that it keeps a fine thread between insurance coverage and amount to be taken from you.


I have made my decision :wink:
no more dePreston

wpcoe
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Re: Expat Health Insurance

Postby wpcoe » Thu Mar 14, 2013 9:20 am

What about pre-existing conditions? Are they excluded totally, or for an initial subscription period, or ...?

ExpatHealth
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Re: Expat Health Insurance

Postby ExpatHealth » Thu Mar 14, 2013 1:30 pm

Hello Thank you for your post.

Here is the explanations for few of the policies we sell at Expat Health Asia.

For the Reside Plans they will review you application and decide if to write a rider, normally for the first 24 months there is no coverage after that then they will cover up to a certain amount.

If you any question I will be happy to go over them. PM me.
Thank you
Expat Health Asia


Reside Worldwide Insurance

Under the Reside Worldwide plan you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan. A benefit of $5,000 per period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions. • The plan provides a total lifetime coverage amount of $5,000,000.
• The plan is a fixed benefits plan.
• The minimum duration of coverage is 12 months.
• Non-US and US Citizens who avail of this plan must spend at least 6 months of the policy period outside of the USA and must leave the USA within 30 days of the policies effective start date.



Reside Prime Insurance

Under the Reside Prime plan, you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan. A benefit of $5,000 per period of coverage is available up to a lifetime maximum of $50,000 for Pre-existing Conditions. • The plan provides a total lifetime coverage amount of $5,000,000.
• The plan is a comprehensive plan.
• The minimum duration of coverage is 12 months.
• Non-US and US Citizens who avail of this plan must spend at least 6 months of the policy period outside of the USA and must leave the USA within 30 days of the policies effective start date.


Liaison Majestic Insurance


Under the Liaison Majestic plan the look back period for Pre-existing Conditions is 36 months if seeking coverage within the USA and 12 months if seeking coverage outside the USA.
For US Citizens whose home country is the United States the above exclusion is waived for the first $20,000 in eligible medical expenses incurred outside the United States and Canada (for persons age 65 and over, the amount is $2,500). This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program. For non-United States citizens who suffer a Myocardial Infarction or Stroke and are admitted to a Hospital, this exclusion is waived in order to pay a $200 per night benefit for each night spent in the Hospital, up to a maximum benefit of $3,000.

Liaison Continent Insurance

If the travelers are US Citizens and under age 70, they are covered for the Acute Onset of a Pre-existing Condition as defined below:
Up to $20,000 for U.S. citizens under age 70 traveling outside the United States and Canada (Age 70+, up to $5,000) If the travelers are Non-US Citizens and under age 70, they are covered for the Acute Onset of a Pre-existing Condition as defined below:
Coverage is available up to $100,000 (varies per medical maximum) Lifetime Maximum for Eligible Medical Expenses and up to $25,000 Lifetime Maximum for Emergency Medical Evacuation. Benefit limits are as follows:
Overall Medical Maximum Acute Onset Medical Maximum
$50,000 $50,000
$100,000 $60,000
$500,000 $75,000
$1,000,000 $100,000
Age 70+, no benefit


Liaison International Travel Medical Insurance


o Renewals for clients purchasing coverage online in time periods as short as 5 days.
o Unexpected recurrence of Pre-Existing Conditions up to $20,000 (see below).
o Acute onset of a pre-existing condition up to $15,000 (Non-US citizens traveling to the US)
o $0 Deductible is available.
o $50,000 Common Carrier benefit at no additional cost.
o Emergency Medical Evacuation / Repatriation up to $300,000
Unexpected recurrence of a pre-existing conditions: Up to $20,000 for U.S. citizens under age 70 traveling outside the United States and Canada (Age 70+, up to $5, 000, refer to exclusion #1 for details)
Acute onset of a pre-existing condition: Up to $15,000 for non-U.S. citizens under age 70 traveling to the United States (Age 70+, no benefit)

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Re: Expat Health Insurance

Postby Homer » Thu Mar 14, 2013 4:01 pm

ExpatHealth wrote:Under the Reside Prime plan, you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan.

How can a company say with a straight face that your not being covered for 24 months for a preexisting condition isn't an exclusion or restriction?

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Re: Expat Health Insurance

Postby Pleng » Fri Mar 15, 2013 3:28 pm

Homer wrote:
ExpatHealth wrote:Under the Reside Prime plan, you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan.

How can a company say with a straight face that your not being covered for 24 months for a preexisting condition isn't an exclusion or restriction?


That's not how I read it. I read it that *ALL* pre-existing conditions are excluded for 24 hours. However they may choose to impose further restrictions to any disclosed condition.

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Re: Expat Health Insurance

Postby PET » Fri Mar 15, 2013 4:10 pm

Pleng wrote:
Homer wrote:
ExpatHealth wrote:Under the Reside Prime plan, you must disclose all your Pre-existing Conditions on your Application, if these conditions are neither excluded nor restricted by a Rider or any other provision of your Certificate then your Pre-existing Conditions may be covered after 24 months of continuous coverage on the plan.

How can a company say with a straight face that your not being covered for 24 months for a preexisting condition isn't an exclusion or restriction?


That's not how I read it. I read it that *ALL* pre-existing conditions are excluded for 24 hours. However they may choose to impose further restrictions to any disclosed condition.



24 HOURS seems short enough?
VERAX

BE A VERY HUMBLE WINNER BUT BE A GREAT LOOSER


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