Health and safety forum

Long term health insurance

  • UsTwo

    Joined Travelfish
    22nd April, 2010
    Posts: 70

    What do the expats do for health insurance?
    I've been researching health insurance for a couple, and come up with premiums approaching $10,000.00 pa
    That puts a severe dent in plans for retirement in S.E.Asia!
    Is there any available for a more reasonable premium?

    #1 Posted: 9/12/2013 - 14:13

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  • somtam2000

    Click here to learn more about somtam2000
    Joined Travelfish
    21st January, 2004
    Location Indonesia
    Posts: 7371
    Total reviews: 24
    Places visited:
    At least 113

    Depends where you live, what you want covered, your age, health etc etc. Getting "expat" insurance in Bali for eg is difficult as a number of companies won't cover you for living here.

    We have an apocalyptic policy with Aetna and an annual policy for a family of four comes in at around A$4,000 - but the excess is $5k (hence apocalyptic) so I still need travel insurance on top of that (for which I use World Nomads).

    #2 Posted: 9/12/2013 - 21:29

  • savorygal

    Joined Travelfish
    16th July, 2010
    Posts: 159

    I am an expat in indonesia & currently pay 126 USD per month with AXA PPP ( the underwriter is pacific prime) this includes travel insurance as well. The deductible is high at 3500 USD with no check ups or dental. I really just wanted/needed to be covered for catastrophic illness or injury.

    #3 Posted: 10/12/2013 - 00:50

  • UsTwo

    Joined Travelfish
    22nd April, 2010
    Posts: 70

    Thanks for your responses.

    Being 66 & 69, I knew it would be expensive, and probably have all sorts of exclusions, but wasn't prepared for such a high premium. Don't want all the bells & whistles, just enough to cover us in the case of emergency.
    You have given me hope though, so I will check out your insurers.

    We both love Vietnam, and were hoping to settle in the north.

    #4 Posted: 10/12/2013 - 14:06

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