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I  need to get a handle on how these 3 companies will handle my PRE-EXISTING CONDITIONS. I am willing to pay around $1,000 plus have the PhilHealth also for the everyday stuff. I have Diabetes II, Arrythmia issues, high Cholesterol and I had skin cancer once but all of these things are under control with meds and the exercise regimen I do now (my doctors will attest to). If an insurer is going to use these against me in almost any emergency save accidents, say heart attack or cancer the main stuff, then I will take my chances without insurance for a few years. I just think out of those 3 insurers, I'll feel comfortable with the way they will handle my PEC's. I guess I should call HK because the net doesn't do it for me. I feel comfortable they will all pay the claims since the other 2 are US companies. I can also check these 2 companies on AM Best when I get to that point.

Edited by fluke
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i just bought health insurance i don't sell insurance and don't care where you go. i'm just telling people that i've had insurance previously with IMG Global insurance at 2600.00 per year 2nd year the

It boils down to this.  If you have uninsurable pre-existing conditions, and you can't afford to self insure, then the risk is all down to you.   It may simply be that you cannot afford to live in t

the countries it covers on this policy are thailand,vietnam, philippines, malaysia, cambodia, laos, indonesia, and myanmar. As far as existing conditions i don't know. It is called A+ International in

throttleplate

I just wonder after going to see a orthopedic specialist in Iloilo a few months ago and being miss diagnosed as my doc in the usa proved by fixing me,what would happen if playing basketball or just walking and you tore your acl and mcl in your knee,would you really want a ph doc to fix you or would you get some crutches and get on a plane and go back to the usa or wherever you are from.I would go back to usa where I have coverage,or at least get to Hawaii.Guam hospitols I heard are just as bad.

 

Also I walked into the V.A yesterday here in the usa and asked if you are a vet but didn't retire and have no service connected injuries do we have to buy obamacare?No we don't need to acquire obamacare,the va is sufficient and meets the criteria.

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For those instances (knee)  I would probably fly to Malaysia or Thailand.

 

Man I emailed A+ again to get the lowdown on my PEC's a few days ago and still no response. I did it from their website's CONTACT US. I guess I'll assume they don't want my biz.

 

PS  I thought it was called the Affordable Care Act ?

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Mr. Mike

I just wonder after going to see a orthopedic specialist in Iloilo a few months ago and being miss diagnosed as my doc in the usa proved by fixing me,what would happen if playing basketball or just walking and you tore your acl and mcl in your knee,would you really want a ph doc to fix you or would you get some crutches and get on a plane and go back to the usa or wherever you are from.I would go back to usa where I have coverage,or at least get to Hawaii.Guam hospitols I heard are just as bad.

 

Also I walked into the V.A yesterday here in the usa and asked if you are a vet but didn't retire and have no service connected injuries do we have to buy obamacare?No we don't need to acquire obamacare,the va is sufficient and meets the criteria.

I thought that the VA offered very little care in this situation. Am I wrong?

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throttleplate

I have been sent to see specialists from outside the va at the major hospitols.During a physical I was offered a free colonoscopy and took it and it was performed at the major hospital all paid for by the va.I am sure if I needed major surgery I wouldn't be approved but then again who knows until they submit the request.I think the va is like any govt run organization and that is they need to spend the money to be sure to get a bigger allowance in the following years budget.I even seen the shrink there,it costs me 50.00 to see a specialist and 15.00 to see reg doctor and get meds mailed to me for 9.00 a prescription and they told me they will even ship them to the ph. 

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RogerDuMond

 

 

Also I walked into the V.A yesterday here in the usa and asked if you are a vet but didn't retire and have no service connected injuries do we have to buy obamacare?No we don't need to acquire obamacare,the va is sufficient and meets the criteria.

 

Unless they have changed things, there is an income limit for a non retiree vet to be able to avail themselves of VA care. Also you wouldn't be able to use VA care in the Philippines.

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Skywalker

It boils down to this.  If you have uninsurable pre-existing conditions, and you can't afford to self insure, then the risk is all down to you.

 

It may simply be that you cannot afford to live in the Philippines, or even outside of the US/UK/wherever.  It has to be a serious consideration.

 

For sure; there are many old guys here with no insurance, and many who die here, leaving their wife/partner (and very often young children) in dire financial circumstances.

 

Many people would love to live here, but it's just not financially viable.

Edited by Skywalker
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Thanks to sky walker for pointing out the basics as to living here with health issues.

 

I have read this thread and others in the past and they often have a common theme. "How can I be assured of good health care while living here?" Thru be told, even well established and wealthy individuals have the same issue. This is not such a surprise. Even in well developed countries, there is large disparity between what is available in the "big cities" and the rural areas. Why should it be different here?

 

As to health insurance, this is way more complex than just finding an insurance company that will provide good coverage. There is always the issue of getting reimbursement. Of course, for the members of this forum, many are eligible for various coverages such as from their home country.

 

For those members with no insurance, that's where the difficulties arise. Of course, if routine care is expected such as treatments for minor illnesses or minor surgeries, it is likely a pay as you go consideration. For some, that is just a gamble and I expect many members choose to make that gamble.

 

However, as skywalker and others point out, it is important to consider the needs of others when you make these decisions. Having medical costs covered is one thing. Leaving a pile of bills for the family to cover is another.

 

The sad truth is that many members have a safety net available to them in their home countries. Not to be found here. Pay as you go. So, if health concerns are to be factored in to a decision whether to locate here, I strongly suggest reading these posts carefully.

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Really ? Really ? Health care in the U.S. is probably the most expensive in the world where as Southeast Asia is one of the lowest. I expect my insurance rates to reflect that. My insurance in the States this past year was $270 per month with $ 1,200 annual deductible (which I always hit) and $ 2,400 out of pocket ( which I never have hit) . $25 and $35 copays. My prescriptions are covered by this insurance and goes against my deductible. I expect my insurance rates to go way down WHEN I move to the Phils especially if I am going to shoulder the burden of all  my outpatient expenses (with the help of PhilHealth). Does that make sense or am I being outlandish ? Anyways, really I am pretty healthy compared to a lot of 57 year olds and just want them to explain what they'll give me for the $837 premium they quoted me generically.

Edited by fluke
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I have now applied for the A+ insurance that was the starting point of this thread.

Has anyone else tried the same?

 

They do seem to offer very good prices. I my case, with $1 mill. coverage, $1350 deductible and no extras (world excluding USA), the monthly premium was quoted at $32.

 

They seem to welcome clients with pre-existing conditions. Just apply and see what comes out of it, if you are in that group. You can also add family members to the same policy.

 

I applied through Brokerfish, which was easy enough. Opted to pay by bank transfer initially, not by credit card, as I did not like the small print about the latter.

 

I am expecting the purchase to be easy. Next, there should be a nice plastic insurance card arriving in the post, which I can carry in my pocket. There will also be a catalogue of accredited hospitals and doctors to browse. It should make me feel that little bit safer.

 

Of course the real test will be what happens if I make a claim. As I'll only ever need to use this insurance for major stuff, I may never find out.

 

I have had dirt cheap insurance before (not for health, though) and found that it did deliver when it really mattered.

 

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One of the big Australian insurance company's uses the catch phrase "its a trust thing" and it always is with insurance, you only ever find out how good your insurance is when its time for them to pay up...im hoping to hear good feedback on this forum from A+'s new customers.

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I applied through Brokerfish, which was easy enough

Yeah I need to try to contact them around midnight my time. They are obviously not geared towards U.S. clients. I want to know what I am covered for with my PEC's before I pay. Pacific Prime gave some outlandish quote with PEC's covered that I won't waste anyones time posting here . What really sucks here in the Phils is you need insurance to cover other parties faults because they are legally not even responsible for problems/accidents they cause (really sux). I am afraid the insurer will take my money but hide behind PEC's if it is remotely possible to be linked to the problem i.e. paying them $837 for nothing ... ain't gonna happen. I want a verbal discussion and then put in writing.

Edited by fluke
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Any one in this forum have an idea as to Medicare benefits and coverage. I am a retired person recieving Social Security benefits  living outside the United States and about to be 65 years of age. I move and live here in the Philippines. I just got a letter from Medicare that I am qualified for Part A and B. I requested for an application form for Part B although as per letter recieved that I am automatically enrolled on Part A. In the letter, if I don't enroll in Part B, I maybe have to pay a late enrollment penalty. This time I have only Philhealth for my heatlh insurance.

 

Any information or comments regarding Part A and B is highly appreciated..I thank you.

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Majorsco

As I understand Medicare doesn't cover any claims originating outside the US.

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I have now applied for the A+ insurance that was the starting point of this thread.

Has anyone else tried the same?

 

They do seem to offer very good prices. I my case, with $1 mill. coverage, $1350 deductible and no extras (world excluding USA), the monthly premium was quoted at $32.

 

They seem to welcome clients with pre-existing conditions. Just apply and see what comes out of it, if you are in that group. You can also add family members to the same policy.

 

I applied through Brokerfish, which was easy enough. Opted to pay by bank transfer initially, not by credit card, as I did not like the small print about the latter.

 

I am expecting the purchase to be easy. Next, there should be a nice plastic insurance card arriving in the post, which I can carry in my pocket. There will also be a catalogue of accredited hospitals and doctors to browse. It should make me feel that little bit safer.

 

Of course the real test will be what happens if I make a claim. As I'll only ever need to use this insurance for major stuff, I may never find out.

 

I have had dirt cheap insurance before (not for health, though) and found that it did deliver when it really mattered.

hi, i have A+ international for 5 months now but never had a claim with them. i also have phil health because of a $1350.00 deductable

Edited by billy
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