禁漫天堂

Hello, David

聽 聽 聽I believe my wife can help you out. She is an insurance agent and I get my health insurance through her company. Also, I just past my 60th birthday so our ages are about the same.
聽 聽 聽
聽 聽 Basically there are 5 plans you can choose from going up in price incrementally.

聽 聽 聽 1) Select Plan > Covers Vietnam
聽 聽 聽 2) Essential Plan > Covers North-East Asia
聽 聽 聽 3) Classic Plan > Covers All of Asia
聽 聽 聽 4) Glod Plan > Covers the world but excludes North America and Canada
聽 聽 聽 5) Diamond Plan > Covers the entire world

聽 聽 The Diamond Plan (most expensive) costs $750 USD per year or about $63 per month.
聽 聽 聽- For doctors, visits it covers up to $500 per visit (tests, prescriptions, etc.).
聽 聽 聽- For hospital stays, it covers $452,000 per year.

聽 聽 Pre-existing conditions are covered after one year.
聽 聽 All plans include everything except cancer and dental which are offered under separate plans.

聽 聽 This is my basic understanding but my wife will be happy to give you more details and she won't feel bad about correcting any mistakes me has made - she does that all the time :-)聽
聽 聽 If you're interested and want to no more you can contact me via my email, ***

Has a Great Night,
Dan

P.S No my English is not so poor. I had my PC repaired a while back and it has never been the same. It changes my pronouns and a few other words as soon as I hit send.

dbrutter wrote:

Hello, David

聽 聽 聽I believe my wife can help you out. She is an insurance agent and I get my health insurance through her company. Also, I just past my 60th birthday so our ages are about the same.
聽 聽 聽
聽 聽 Basically there are 5 plans you can choose from going up in price incrementally.

聽 聽 聽 1) Select Plan > Covers Vietnam
聽 聽 聽 2) Essential Plan > Covers North-East Asia
聽 聽 聽 3) Classic Plan > Covers All of Asia
聽 聽 聽 4) Glod Plan > Covers the world but excludes North America and Canada
聽 聽 聽 5) Diamond Plan > Covers the entire world

聽 聽 The Diamond Plan (most expensive) costs $750 USD per year or about $63 per month.
聽 聽 聽- For doctors, visits it covers up to $500 per visit (tests, prescriptions, etc.).
聽 聽 聽- For hospital stays, it covers $452,000 per year.

聽 聽 Pre-existing conditions are covered after one year.
聽 聽 All plans include everything except cancer and dental which are offered under separate plans.

聽 聽 This is my basic understanding but my wife will be happy to give you more details and she won't feel bad about correcting any mistakes me has made - she does that all the time :-)聽
聽 聽 If you're interested and want to no more you can contact me via my email, ***

Has a Great Night,
Dan

P.S No my English is not so poor. I had my PC repaired a while back and it has never been the same. It changes my pronouns and a few other words as soon as I hit send.

Did you have this policy in place before you turned 60. I think if a policy is already in place it is much easier than trying to get after the age of 60. Could you ask your wife, as a friend of mine has had trouble getting affordable cover here. If the price you quoted is correct could you PM her contact details for my friend.

I have a friend of mine who also used health insurance. After one month his contract with the insurance company he had some surgery the company cover 80% of hospital cost. He is pretty old. But I am not sure what company he used. I think there is a penalty of Insurance company for ex-pats.

Hi

I am german, living in Vietnam, just passed 60 years of age

Pls be cautious

To get health cover in our age is very difficult. most insurance companies kick you at when reach 65
and not easily believe any insurance will cover pre-exist conditions after 1 year.

You might need a proper health check first if any insurance company accept you. I was lucky because under age of 60 in 2017.

Try Pacific Cross Vietnam. I am there since 2017

ONLY AS IN-PATIENT (hospital only and Premium membership )聽 at least 183 days in Vietnam.
Costs:聽 abt 2,000 Euro per year.聽 聽Cheaper plans than Premium Master all deadline of 65.
look at pacificcross.vn

Annual fee's聽 under 2,000 Euro is impossible or you will have bad 'surprises' in case of a claim.
Cancer waiting time at least 12 month聽 HIV 5 years.

But as i said over 60 is very difficult.
Pacific Cross has a special health care plan for people over 60 but is in the Philippines. Look at their website.

In case of a claim most will increase the annual fee in a way you unable to pay.

As i sad you already passed 60,聽 i recommend you a health check. I think without it no company will ever accept you.
And no insurance company will ever take over pre-existing conditions. if someone told you that, its a lie.

Good luck and be cautious not to get fooled.

When i had a look for health care plan 2018 pacific Cross seems to be better . All other companies i ahd contact bombarded me wit phone calls and mails i really hate this behaviour.聽 Pacific Cross never pushed me or made unannounced phone calls.

armin210496 wrote:

Hi

I am german, living in Vietnam, just passed 60 years of age

Pls be cautious

To get health cover in our age is very difficult. most insurance companies kick you at when reach 65
and not easily believe any insurance will cover pre-exist conditions after 1 year.

You might need a proper health check first if any insurance company accept you. I was lucky because under age of 60 in 2017.

Try Pacific Cross Vietnam. I am there since 2017

ONLY AS IN-PATIENT (hospital only and Premium membership )聽 at least 183 days in Vietnam.
Costs:聽 abt 2,000 Euro per year.聽 聽Cheaper plans than Premium Master all deadline of 65.
look at pacificcross.vn

Annual fee's聽 under 2,000 Euro is impossible or you will have bad 'surprises' in case of a claim.
Cancer waiting time at least 12 month聽 HIV 5 years.

But as i said over 60 is very difficult.
Pacific Cross has a special health care plan for people over 60 but is in the Philippines. Look at their website.

In case of a claim most will increase the annual fee in a way you unable to pay.

As i sad you already passed 60,聽 i recommend you a health check. I think without it no company will ever accept you.
And no insurance company will ever take over pre-existing conditions. if someone told you that, its a lie.

Good luck and be cautious not to get fooled.

When i had a look for health care plan 2018 pacific Cross seems to be better . All other companies i ahd contact bombarded me wit phone calls and mails i really hate this behaviour.聽 Pacific Cross never pushed me or made unannounced phone calls.

贬辞濒濒测飞辞辞诲-蝉迟测濒别.听

I spent tons of time looking into health insurance as I am over 60. My advice: forget it. They will never cover pre-existing conditions, and will weasel out of any new problem is somehow connected to one of you previous conditions. Drive a motorbike without a licence (as most expats do due to the difficulty of getting a "real" licence)? Then you won't be covered in an accident. Health insurance of older expats in Vietnam is more of a scam as I see it. Besides, unless you are run over by a bus, you can pay for your own medical bills for the cost of the health insurance deductible.

ebxebx wrote:

. Drive a motorbike without a licence (as most expats do due to the difficulty of getting a "real" licence)?

Thread drift but I'm confused on this statement.聽 Getting a motorbike license was the easiest thing I have done in Vietnam and I even got an A2 license instead of an A1.聽 That said I did have a motorcycle license in the US prior to going to Vietnam.聽 No test, just go down to the licensing place, fill out a form, pay a few dong, get a picture taken and wait a week and go back and pick it up.

SteinNebraska wrote:

ebxebx wrote:

. Drive a motorbike without a licence (as most expats do due to the difficulty of getting a "real" licence)?

Thread drift but I'm confused on this statement.聽 Getting a motorbike license was the easiest thing I have done in Vietnam and I even got an A2 license instead of an A1.聽 That said I did have a motorcycle license in the US prior to going to Vietnam.聽 No test, just go down to the licensing place, fill out a form, pay a few dong, get a picture taken and wait a week and go back and pick it up.

Maybe he speak about short-term visa owner.

SteinNebraska wrote:

ebxebx wrote:

. Drive a motorbike without a licence (as most expats do due to the difficulty of getting a "real" licence)?

Thread drift but I'm confused on this statement.聽 Getting a motorbike license was the easiest thing I have done in Vietnam and I even got an A2 license instead of an A1.聽 That said I did have a motorcycle license in the US prior to going to Vietnam.聽 No test, just go down to the licensing place, fill out a form, pay a few dong, get a picture taken and wait a week and go back and pick it up.

No Test...
There鈥檚 the elephant in the room.聽 聽 Insurance companies are well aware that foreigners in most SE Asian countries have got their license without a road knowledge test, since in most cases it鈥檚 written in local language .聽 Road signs & directions the same.聽

These licenses keep the local police happy, but the fine print in insurance policies keeps the insurance assessor happy.聽 聽Most policies state you need a VALID license.聽 聽There is also clauses referring to hazardous & irresponsible pursuits.聽 They are also aware that there is NO road worthy safety inspections on bikes here.聽 聽The policies also state that if you are鈥� in the wrong鈥澛� in an accident , therefore haven鈥檛 obeyed the local laws , your on shakey ground in the event of a claim.聽 聽

In any accident here, the fingers all point to the foreigner.

I took the above factors into consideration & also tried to get clarification from the insurance companies and the replies I got indicated that I鈥檇 be left hanging in the event of a claim.

The roads here are notoriously crazy.聽 聽And if you think taking a Grab Ride is a good option other than your own bike,,if you seriously get injured in a crash with Grab, most insurance companies will suggest you take legal action against Grab for your costs.聽

Good luck with that......but at least the soup is cheap here.

Ontheroad57 wrote:

SteinNebraska wrote:

ebxebx wrote:

. Drive a motorbike without a licence (as most expats do due to the difficulty of getting a "real" licence)?

Thread drift but I'm confused on this statement.聽 Getting a motorbike license was the easiest thing I have done in Vietnam and I even got an A2 license instead of an A1.聽 That said I did have a motorcycle license in the US prior to going to Vietnam.聽 No test, just go down to the licensing place, fill out a form, pay a few dong, get a picture taken and wait a week and go back and pick it up.

No Test...
There鈥檚 the elephant in the room.聽 聽 Insurance companies are well aware that foreigners in most SE Asian countries have got their license without a road knowledge test, since in most cases it鈥檚 written in local language .聽 Road signs & directions the same.聽

These licenses keep the local police happy, but the fine print in insurance policies keeps the insurance assessor happy.聽 聽Most policies state you need a VALID license.聽 聽There is also clauses referring to hazardous & irresponsible pursuits.聽 They are also aware that there is NO road worthy safety inspections on bikes here.聽 聽The policies also state that if you are鈥� in the wrong鈥澛� in an accident , therefore haven鈥檛 obeyed the local laws , your on shakey ground in the event of a claim.聽 聽

In any accident here, the fingers all point to the foreigner.

I took the above factors into consideration & also tried to get clarification from the insurance companies and the replies I got indicated that I鈥檇 be left hanging in the event of a claim.

The roads here are notoriously crazy.聽 聽And if you think taking a Grab Ride is a good option other than your own bike,,if you seriously get injured in a crash with Grab, most insurance companies will suggest you take legal action against Grab for your costs.聽

Good luck with that......but at least the soup is cheap here.

I legally converted my driver's license into a Vietnamese driver's license.
It looks exactly the same as my wife's driving license.
As SteinNebraska said, it was very simple.
So I don't see why my driver's license shouldn't be the same as a driver's license where one had to take a test.

you could try Allianz, worlds largest. But beware of booking direct on their website.
You should book via Statravel.de, they have an English website.
I pay 522鈧� (70+) for 6 months! Only for dental stuff they are not covering much.
All the rest is covered 100%.
For 60+ it should be much less like 276鈧� for a total of 6 months. (World wide coverage without US/CDN)
You can contract for up to 5 years.

Much much less than Cigna or the other US rip-off cheaters.

you could try Allianz, worlds largest. But beware of booking direct on their website.
You should book via Statravel.de, they have an English website.
I pay 522鈧� (70+) for 6 months! Only for dental stuff they are not covering much.
All the rest is covered 100%.
For 60+ it should be much less like 276鈧� for a total of 6 months. (World wide coverage without US/CDN)
You can contract for up to 5 years.

Much much less than Cigna or the other US rip-off cheaters.

your health insurance is by far too expensive.
Just look up Statravel.de, one of the bigger agents for Allianz (Germany).
Look for long term insurance and world coverage without US/CDN.
100% Coverage worldwide they sell for 276鈧� for 6 months and age up to 69.
I pay 522鈧� for 6 month (70+).
And by experience (6 years in VN now) they are very generous.

My wife purchased this insurance for me because I am self-employed. It sounds like your friend may have been working for a company here in Vietnam. The Vietnam government requires all companies to provide health insurance for there employees ( for both Vietnamese and foreigners) covering 80% of hospital costs.
This is great if you are working for someone else but if you work for yourself then you need to purchase your own health insurance.

Yes, my policy has been in place since I was 57 but my wife doesn't think your friend will have any trouble purchasing a plan after 60 years old as long as your friend is in fairly good health.

Here are some things she tells me they will NOT cover. Tuberculosis of all kinds, Malaria, Leprosy and any diseases that are common to your occupation, such as Black Lung disease for coal minors (occupational hazards).聽

The company offers an "Intercare" plan that will cover a person through their 75th birthday.聽

The stipulation for BOTH of these plans is that you must be with the company for 5 years prior to your 60th or 70th birthday - 60th for coverage to 65 and 70th for coverage to 75 if you have the Intercare plan.

I am a permanent resident in Vietnam so I use the Select plan which only covers Vietnam. I have used it several times in different hospitals here and never had any problems. Because it only covers Vietnam, it is dirt cheap compared to similar plans in America.

Hello, Everyone

聽 聽 I stand corrected, by my lovely wife, you do NOT have to have the insurance in place 5 years before your 65th/75th birthday.
聽 聽 As long as you are signed up ANYTIME before your 60th/70th birthday they will allow you to renew until your 65th/75th birthday.
聽 聽 I am sorry if I confused anyone out there.

I am 70 y/o. I recently extended my Vietnam visa by one month and went to my Australian travel insurance company who reminded me that they don't not extend policies while you are overseas!!
Over the past 6-7 years I have regularly spent 6 months a year in Vietnam
I am returning to Australia late Jan 2020 and returning to Vietnam in March 2020 for 3-4 months.
I am looking for a policy for Jan. 2020 and then will take another policy for my return trip.
Any suggestions would be much appreciated.

Just read my posts before: very cheap health insurance by world s biggest insurance company. Only if you exclude US and CDN.
Don鈥檛 book directly, is not cheap. Just contract via a large reseller Statravel.de
Look for longterm health insurance.
I pay (70+) 522鈧� for a 6 months period.
For 39-69 it鈥檚 even cheaper (326鈧�).
You can make everything online, even send your hospital or doctors bills.
They refund fast, have no waiting list for specific deseases.
Just look, I contract them for more than 6 years now, best experience.
No they don鈥檛 pay me for advertising. Just look by yrsf

Hi

pls try pacific cross vietnam Travel policy.

I think they cover till the age of 75.
Look at their website.

I do not use any 鈥渉ealth鈥� insurance. I use travel insurance instead.

The reason is, I am never sick, I dont need my appointment at doctor because of flew is covered. Even tho, it might cover it as well.

I pay 320USD a year (exluding USA/Canada). When I felt like I broke something in my wrist, it covered it. When I was kinda attacked while on a motorbike and got totally f* up with a dual brain bleed, whole body in terrible state, private jet to Bangkok best clinic, final bill like 150k usd, all was covered.

Yes, they will probably always treat you to a state, where they can transport you home. For me, it took like 1.5 months->then business class on emirates back home, paid by insurance company, included a doctor who accompanied me.

What I am saying is, I want the best coverage for a serious situations, that is what I worry about. I dont need coverage for taking聽 care of my flew or a sick nose. But, when u get a toothache, I am sure they cover the first moments as well. Very proffesional.

And also, vietnam hospitals lack behind badly, there is not a single really high class establishment. Bangkok was like a dream, amazing hospitals and staff.

This insurance also covers other things, travel stuff, lost bags, delayed flights, kidnapping as many more. I think the rate is the same up to 65yrs, then it changes. I believe it also covers whoever is traveling with you.

Dan, could you give the name of this travel insurance company. Steven.

Dan911 wrote:

I do not use any 鈥渉ealth鈥� insurance. I use travel insurance instead.

stevenjb2020 wrote:

Dan, could you give the name of this travel insurance company. Steven.

Dan911 wrote:

I do not use any 鈥渉ealth鈥� insurance. I use travel insurance instead.

It is a czech insurance company, or at least czech branch of it聽 UNIQA.CZ

You have to use google chrome or something that will translate for you as it does not have efficient english translation, only some basics.

You are nit looking for insurance for foreigners..you want classic international insurance.

But I was checking out all the details regarding insurance for non-czech citizens so I guess I have all the possible information on it.

The most important thing is, that In a case of repatriation, the destination will be Czech Republic as that is the country where you have been insured. If you want to be treated there later, you would have to pay, or, you would have to have czech regular insurance as well.

And that is basically the only thing that you should know, that makes it different for foreigners.

As I said, the company is amazing. The way they treated me was beyond anything I could imagine. They could take me to Viet hospital, but they insisted I must go to much better facility and Vietnam does not have any. They are extremely responsible.

Maybe you will find a branch in your country too.

I have checked now, the price got a bit higher. Now it is 360USD/year when u r 65yrs old maximum. Above 65 it is 410USD

On top of classic injury/health treatments, it covers acute tooth treatment, assistance services, they can send someone to help, they cover up to 5k usd lawyers if necessary, 5k usd budget in a case of lose of passport and documents, then they cover rescuing costs, some kidnapping reimbursement, 5k immediate financial help if you get in trouble, and some coverage of delayed bags and delayed flights.