Advice on Health Insurance and BUPA

[Entrep]

Hi all

I am a little confused about the health insurance here. I have been speaking with an agent for BUPA (friend of a friend), and she has quoted me the Platinum plan, which is basically up to 2 million baht inpatient and hospital only outpatient for 15,000. No clinic outpatient.

I am 25 years old and healthy, the quote is for 17,000 bht for a year.

Anyway, I was reading in this thread - http://www.phuket-info.com/forums/ex...insurance.html - and most recommend BUPA. I logged into their site and couldn't see my plan, although the ones listed there provide significantly less inpatient coverage (the top plan, Diamond, is only 600,000 baht max).

Nicke also says he is paying only 13,000 baht for one of those plans.

Is it a mistake going through an agent? Is up to 2 million baht coverage needed? I think I can get outpatient clinic coverage for another 3,000 baht or so. They have also given me a 2 year exclusion on something I got 4 months ago that I am not very happy with, apparently it's a rule though.

Any advice appreciated.

[ATMwalking]

I went into the office in phuket town. They speak good english. I have the top plan that gives 5 million baht coverage worldwide. I can have non-emergency work done anywhere i want except the US. It was either 20 or 30,000 baht/year. I haven't made a claim yet so can't comment beyond that.