Could we clarify one point in the motorbike issue? Is riding as a passenger (such as a motorbike taxi) different than as a driver on a motorbike? I would think there are many more people riding than driving. As a driver I would suspect the 25% supplement comes in the form of a rider to the policy. Not necessary as a passenger? Such as riding on public transportation?travelerjim wrote:A US $100,000 travel policy for a man 60-64 years old for his usual three months would have cost him about $750 with zero deductible and 100% coverage for both inpatient and outpatient medical care... From Global Underwriters in the USA. That's with coverage of the insured for motorbike riding. It's $600 if the expat does not ride on a motorbike.
If you are only in Thailand for 3 months, go back to the US for 3 months, then repeat the cycle, this is a clear advantage to buying a travel policy perhaps only if you are in a reasonably healthy condition. You are only paying for half the year. Otherwise, I might agree with the man in your example. Might. I don't know if a disabled man should be driving a motorbike, but disabled how? To much missing info about him for it to be useful, I think.
I think the term "unexpected recurrence of a preexisting condition" also needs clarification. What does that mean? The condition has to disappear before it can reoccur. 1 year, 5, or more years? My policy considers a pre-existing to be in remission after 5 years. Also, If you are 65 or older, then this particular "benefit" diminishes quite severely, to almost negligible. It would also depend on the "condition" and if not underwritten specifically for the condition, it would concern me. Exclusions are spelled out in an expat policy. A travel policy is much broader in its language and therefore hard to interpret. I've had both kinds of policies. I want a customized policy just for me, with everything spelled out.
The travel policies are a reimbursement plan. You pay the hospital upfront.
travelerjim wrote:I do represent Cigna and I would be pleased to review anyone's particular needs for health insurance.
These quotes appear to conflict each other.travelerjim wrote:I am not seeking to write policies.
Glad you are still active in the insurance game, especially now that you represent Cigna. I had no way of knowing that. For many years on this board you carried some links to the companies you represent in your signature. This is how I learned about you. Those links are gone now.