How do those of you who are married or in a long term relationship work with things like expat health insurance.
I'm coming up to the renewal of my annual plan and i'm starting to consider the inequity in health cover between my partner and I.
I paid for local health insurance for her a while ago, and whilst its ok and she was very happy with it, it is crap in comparison with my cover.
Mine offers medical evacuation, and repatriation. That would be an interesting situation to encounter... If I had an accident and was whisked off to thailand/UK and she had no idea what was going on.
I'm in 2 minds whether to renew my existing cover, or look for a local alternative...
I know what my family back home and employer would want me to do - and that's to keep existing policy. But i'm bothered by it.
How do you guys work? Or how do you reconcile any differences(if there is any)
Health insurance... When married
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You should be able to include your SO on your existing policy for a little more. I’d put her on the same cover that you have rather than get a local one for you both.
If you both had a serious accident you wouldn’t want to wake up in Bangkok and find out that she’s in Calmette. And you would absolutely not want to wake up in Calmette yourself.
If you both had a serious accident you wouldn’t want to wake up in Bangkok and find out that she’s in Calmette. And you would absolutely not want to wake up in Calmette yourself.
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That would be the ideal solution and I had considered that, but something tells me that my policy is an expat policy and a local would not be eligible for it. But i suppose they should have some offering for a local.Alexandra wrote: ↑Thu Oct 29, 2020 2:47 pmYou should be able to include your SO on your existing policy for a little more. I’d put her on the same cover that you have rather than get a local one for you both.
If you both had a serious accident you wouldn’t want to wake up in Bangkok and find out that she’s in Calmette. And you would absolutely not want to wake up in Calmette yourself.
Your scenario doesn't bear thinking about.
ផោមក្លិនស្អុយ wrote: ↑Thu Oct 29, 2020 3:09 pmThat would be the ideal solution and I had considered that, but something tells me that my policy is an expat policy and a local would not be eligible for it. But i suppose they should have some offering for a local.Alexandra wrote: ↑Thu Oct 29, 2020 2:47 pmYou should be able to include your SO on your existing policy for a little more. I’d put her on the same cover that you have rather than get a local one for you both.
If you both had a serious accident you wouldn’t want to wake up in Bangkok and find out that she’s in Calmette. And you would absolutely not want to wake up in Calmette yourself.
Your scenario doesn't bear thinking about.
I had an expat health package provided by work and for a small surcharge my SO had precisely the same cover.
I have a policy that covers me worldwide (except USA), wife and kids different provider with a policy that covers them ASEAN wide (except Singapore), both with Medevac to the nearest approved hospital and repatriation.
I'm not a negative person, I encourage people all the time...it's usually to f**k off! But, whatever.
I remember adding my fiancé but can’t remember the price. Forte medi plus, it was expensive paid by employer. I ended up with $100k surgery/medivac and wife gallbladder ($10k).
Look into Aplus international. When I moved to USA I put wife and son on that coverage during the period before they were covered through my employer. High deductible and meant for hospitalization only. Outpatient coverage not necessary. You can get the quote using online tool https://compare.aplusii.com/home
Look into Aplus international. When I moved to USA I put wife and son on that coverage during the period before they were covered through my employer. High deductible and meant for hospitalization only. Outpatient coverage not necessary. You can get the quote using online tool https://compare.aplusii.com/home
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Thankfully I came to in Calmette and was able to eventually get in touch with people. I had good coverage but I guess they just take you to Calmette as a default.ផោមក្លិនស្អុយ wrote: ↑Thu Oct 29, 2020 2:30 pmMine offers medical evacuation, and repatriation. That would be an interesting situation to encounter... If I had an accident and was whisked off to thailand/UK and she had no idea what was going on.
I was able to have my fiance on the medivac plane next to me. If I didn't wake up in Calmette I wonder if I would have been medivac'ed at all.
"Those who can, do. Those who can't, teach. Those who can't teach, teach English."
Credit Jacked Camry & LTO
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