Phuket

marc26 · #1 16-01-2008, 01:53

this may sound absurd but i really didnt look at what was covered in my gf's insurance
i figured just get the best coverage

now, if she wanted to go to Bumrungard for a battery of tests for her heart, would something like that be covered

LivinLOS · #2 16-01-2008, 10:51

Bupa top end.. Should be..

To be honest even mid end should cover any necessary work within Thailand. The top tier is really the international charges.

Dodger · #3 16-01-2008, 12:16

Is it a pre-existing condition, prior to cover commencement date? if so then answer is no. Beware they can add exclusion clauses that cover a whole lot more than just one previous condition.

Client suffered a slipped disc during pregnancy, they excluded anything gynalogical!!!

marc26 · #4 16-01-2008, 12:56

Quote:

Originally Posted by Dodger

Is it a pre-existing condition, prior to cover commencement date? if so then answer is no. Beware they can add exclusion clauses that cover a whole lot more than just one previous condition.

Client suffered a slipped disc during pregnancy, they excluded anything gynalogical!!!

but how would they know?
they didnt do any checking or physical
just sent the money and they gave her the insurance
so now just walk in and say have had trouble with her heart, no?

Dodger · #5 16-01-2008, 14:05

This is common practise for medical insurers, in the event of a claim they complete a medical and take a look at any medical records they can get.

Certain conditions, also will have a history and will have surfaced before, it was the main thing I hated about selling medical insurance in the UK, and would avoid as best as possible at every enquiry.

As the salesman you could only ask the given questions, the insurers would never offer a free medical prior to cover or prior to a claimable event, as they like the pre-existing get out clause. Then of course it always became the salesman that was at fault in the clients eyes for not telling them before they had paid x,000 pounds.

You could never argue the non-payment as they always had the upper hand with private medical background knowledge, to kill off any attempt at arguing, and of course you didn't have adequate medical knowledge to challenge them.

They can decide to not pay out because of non-disclosure of an ailment that has absolutely nothing to do with the claimable event, as non-disclosure forfeits cover.

At least you are with one of the better medical insurers with BUPA, just wish you all the best.

marc26 · #6 17-01-2008, 00:23

Quote:

Originally Posted by Dodger

This is common practise for medical insurers, in the event of a claim they complete a medical and take a look at any medical records they can get.

Certain conditions, also will have a history and will have surfaced before, it was the main thing I hated about selling medical insurance in the UK, and would avoid as best as possible at every enquiry.

As the salesman you could only ask the given questions, the insurers would never offer a free medical prior to cover or prior to a claimable event, as they like the pre-existing get out clause. Then of course it always became the salesman that was at fault in the clients eyes for not telling them before they had paid x,000 pounds.

You could never argue the non-payment as they always had the upper hand with private medical background knowledge, to kill off any attempt at arguing, and of course you didn't have adequate medical knowledge to challenge them.

They can decide to not pay out because of non-disclosure of an ailment that has absolutely nothing to do with the claimable event, as non-disclosure forfeits cover.

At least you are with one of the better medical insurers with BUPA, just wish you all the best.

well, i will tell her to just ask if she is covered
i may wait until i am there and we can go together so i can talk to doctor also because she can never tell me what it is

sting · #7 17-01-2008, 00:41

Quote:

Originally Posted by marc26

this may sound absurd but i really didnt look at what was covered in my gf's insurance
i figured just get the best coverage

now, if she wanted to go to Bumrungard for a battery of tests for her heart, would something like that be covered

hello maybe you find somthing her

http://www.bupathailand.com/pdf/plat...f_benefits.pdf

marc26 · #8 17-01-2008, 01:18

Quote:

Originally Posted by sting

hello maybe you find somthing her

http://www.bupathailand.com/pdf/plat...f_benefits.pdf

yes, i read that over
i will just have her go in
it is not something that is urgent, but be nice to have it checked out thouroughly

marc26 · #9 24-02-2008, 11:00

so is all medication covered if you have BUPA?

my gf just went to the hospital(her favorite place, i tell her 555) and she didnt have to pay a dime for any of the boatload of medication she got

that is pretty sweet, i didnt realize

LivinLOS · #10 24-02-2008, 11:11

should be.. some policys have a small excess clause.. but bupa plat should be 100%..

ATMwalking · #11 24-02-2008, 11:19

Did you get outpatient coverage? That is coverage for tests and stuff when you are not actually admitted to the hospital. Not sure if it would cover medicine.

Also you might want to check around a bit. Bumrungard while having the rep, isn't necessarily the best private hospital for everything.

BTW, if you buy the Chivawattana card from the one of the Bangkok Hospital group (ex. Bangkok Phuket Hospital), you get discounts and stuff at any of their hospitals. I've been told the Samitivej Hospital Sukhumvit is as good or better than Bumrungard. You might want to give them a call: SAMITIVEJ SUKHUMVIT HOSPITAL

Chivawattana MyHealth Membership

marc26 · #12 24-02-2008, 11:22

Quote:

Originally Posted by ATMwalking

Did you get outpatient coverage? That is coverage for tests and stuff when you are not actually admitted to the hospital. Not sure if it would cover medicine.

Also you might want to check around a bit. Bumrungard while having the rep, isn't necessarily the best private hospital for everything.

yes, she has the most outpatient overage available
so she needs to really get a full done up on her heart, so the outpatient coverage will cover that?

ATMwalking · #13 24-02-2008, 11:39

Quote:

Originally Posted by marc26

yes, she has the most outpatient overage available
so she needs to really get a full done up on her heart, so the outpatient coverage will cover that?

Sounds like it is something that could be covered, but who knows if they will as Bernie was pointing out. Think all this is best directed to Bupa. They've been quite easy to deal with in my experience.

If they don't cover it, then consider getting a discount/membership card for the hospitals. They treat you better, you get free stuff, and the discounts will likely have it paying for itself very fast.