Reasonable health insurance for single man - least hassle.
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- Doctor Seuss
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No, you dont really understand what a pre-existing condition is. If you have high blood pressure, that is a PEA. If you have a heart attack whilst abroad, you're not covered.Bubble T wrote:That is standard. Insurance is for unforeseen events. Why would they insure you for a medical problem incurred before the date that you bought the insurance? That would be silly.Doctor Seuss wrote:Any pre-existing condition that you have had before is excluded from being covered
Things like diabetes, allergies, pregancies, even vitamin deficiencies.. all PEA's and not covered. People with these problems like to have these things covered, and top end travel policies will allow people with PEA's to claim.
A PEA is also any condition you may have, AND DID NOT EVEN KNOW ABOUT. If you had a brain annuerism and were sent for treatment and the doctor established the problem had been there for 2 years and you didnt even know about it, or never had any symptoms before, as long as the doctor could show that you the condition was existing before your insurance, you wouldnt be covered.
Sorry to be so anal.. used to work for a health insurer...
From experience I can say that if you have any problem that REQUIRES leaving Cambodia for emergency medical care just once, you would probably break even.If you pay $1300 a year for medical insurance, you'd have to break your leg twice and stay in SOS for a couple of nights every year just to break even.
I shouldnt be recommending health care anyway, considering I get my policy for free.
Dr. S is totally correct about evac costs, they are massive. Not exactly apples to apples, but my son got burned by a cup of tea last year in upstate New York. The local hospital didn't have a pediatirc ICU so they sent him by helicopter to Westchester. Twenty minute ride. Now I knew it would be expensive, but when I saw the bill my jaw dropped, $19,775.00! Insurance covered the whole thing, but seriously, I can't imagine what they'd charge for a special medical flight to another country (be it Bangkok, Tokyo, or somewhere in the US if necessary). Just something to think about when looking at prices.
p.s. he is completely fine and doesn't even have a scar, oh to be a year old again with all that healing power.
p.s. he is completely fine and doesn't even have a scar, oh to be a year old again with all that healing power.
- Doctor Seuss
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What I meant was that an unusually high amount of foreigners that go into Calmette come out dead.Magic-Leaves wrote:Doctor Seuss wrote:First rule in cambodia is that if you are going into calmette Hospital you are going to be going out dead. Despite its name, its not a hospital, its a morgue. Forget about it.
so is the Calmette really a morgue or are you just being sarcastic?
I guess sarcasm is the name of your game though.
Its hardly a hospital... more like a waiting room for the sick. If you wake up and find yourself in Calmette, you know youre in trouble.
As you're in BKK, I'd suggest contacting Tony @ E-Insurance:
http://www.e-insurethailand.com/
While I don't know if he offers any coverage while in Cambo, you might want to get a policy for treatment at Thai hospitals...and a _medivac_ option to get you out of Cambo. Hospitals in Cambo are an oxymoron, and while there are a few legitimate docs in private practice, it's best to immediately get back to Thailand for any serious injury/ailment.
http://www.e-insurethailand.com/
While I don't know if he offers any coverage while in Cambo, you might want to get a policy for treatment at Thai hospitals...and a _medivac_ option to get you out of Cambo. Hospitals in Cambo are an oxymoron, and while there are a few legitimate docs in private practice, it's best to immediately get back to Thailand for any serious injury/ailment.
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I'll have a look at that website but don't really want a Thailand based insurance as they all seem to be an untrustworthy lot. Even BUPA here tried to pool the wool over my eyes.
eg: they told me that you would be covered in Cambodia no problems (on the phone) but when I acutallly looked through the very tiny small print it stated that you had to be 'resident' in Thailand - ie: with the correct visa etc.
I'm just after something that will cover a broken leg or similar but will follow up some of these suggestions on the thread when I come over to PP (next month).
eg: they told me that you would be covered in Cambodia no problems (on the phone) but when I acutallly looked through the very tiny small print it stated that you had to be 'resident' in Thailand - ie: with the correct visa etc.
I'm just after something that will cover a broken leg or similar but will follow up some of these suggestions on the thread when I come over to PP (next month).
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Doctor Seuss wrote: Infinity Insurance - on Norodom Boulevard. The newest and best of the bunch for a complete health insurance option. It will cover outpaitent fees (just going to the doctor), med-evac (and to the country of your choice), and all kinds of disastrous things youd want covered if the worst was to happen to you. For around US$1300/year you can get full cover, without any limits, for both in Cambodia and for cases when you need to go out of the country for professional care.
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I visited Infinity earlier today and I'll have to say that they were completely USELESS!
yes, ok , in theory they cover you for everything but only if you pay the hospital/evacuation bills UP FRONT and then claim back later (through somewhere in Hong Kong) -what a joke - this is NOT insurance.
Don't know about you but I certainly don't have that kind of emergency money sitting around in the bank.
Does anyone know where you can get insurance wherby the company looks after YOU in case of emergency (ie- pay the hospital first like Bupa etc..)?
The sales assistants just burst out laughing when I asked this question- talk about shoddy business practices.
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a mate of mine was riding with another guy in mondulkiri a few weeks ago--the guy fell-- shattered his leg. they called in a helicopter from phnom penh-- $8,000. he was promptly medi-vac'd (special SOS plane, i think) to bangkok and had surgery-- stayed in bumrungrad for a week.PhilipG wrote: I can't imagine what they'd charge for a special medical flight to another country (be it Bangkok, Tokyo, or somewhere in the US if necessary)
all told, the bill was in the $25,000 range.
yowzahs.
Was working with an Aussie in 2006. He had a few beers one night and then fell down the stairs to his apartment. He was knocked unconcious by the fall and was taken to Calmette, where he stayed unconcious for the following week or so. People tried to contact his family, but couldn't get ahold of anyone, and nobody knew whether he had any insurance or not. At the end of the second week, he was still laying in Calmette and was still unconcious when someone finally found a family member of his in Oz. He was flown out to BKK shortly after the phone calls, amidst much worry and speculation. The cost of the flight was, I believe, around $17,000.
Wouldn't you know it ..... he woke up as right as rain the day after arriving in BKK asking what all the fuss was about.
Wouldn't you know it ..... he woke up as right as rain the day after arriving in BKK asking what all the fuss was about.
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The AG at the Hotel Cambodiana seemed to offer insurance via April Mobilité - a French company. This seems decent on paper (they pay the hospital up front) yet a little pricey - 1500USD (but you can pay in installments) - how expensive is that?
In the meantime I am still worryingly un-insured so who can tell me what the price would be at a cheap local hospital to sort out a broken leg for example?
In the meantime I am still worryingly un-insured so who can tell me what the price would be at a cheap local hospital to sort out a broken leg for example?
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Basically unless you only have injuries that could heal in your home, then if you do not get out to Bangkok you will probably die.Magic-Leaves wrote:what happens if you have no insurance or money in Cambodia and are hit by a car - will they leave you in the street or do a patch up job in the Calmette and 'send you a bill'? (not that I'm planning this of course)
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