Can a German in Thailand receive coverage

Question: 
Dear Sirs,
I am a German citizen, 68 years old, retired and living in Khon Kaen, Thailand. Since I am on a 1-year-visa in Thailand and don’t have a home in germany anymore I need a health insurance in Thailand.
I would like you to send me an offer of a reasonably priced insurance that guarantees that they will keep me insured as long as I live.
I am a diabetic and used to checking my blood sugar level myself.  Can you offer me coverage?

Answer: 

Pacific
Prime is able to offer comprehensive coverage to expatriates around the world.
Plans that we can provide will typically afford you a number of coverage
options including benefits for in-patient and out-patient treatment, emergency
evacuation, dental care, specialist consultations, and alternative therapies.
In addition to this, the international health insurance plans which we work
with are usually guaranteed renewable for life and globally portable, giving
you the security and peace of mind that you deserve while overseas.

It is
important to note however, that pre-existing conditions will typically be
excluded from coverage. Pre-existing conditions are deemed to be any medical
condition which has displayed symptoms, required treatment, or of which the policyholder
has been aware prior to obtaining a global health insurance policy. Most
international insurance companies will deal with pre-existing conditions in one
of the following ways:

Exclusion

The insurer
may elect to exclude the condition from coverage under the plan. If the
condition is excluded from coverage then the plan will not cover the cost of
treatment for that condition nor any related conditions or symptoms.

Moratorium

The insurer
may opt to offer the policyholder coverage with a waiting period – also known
as a moratorium. The usual moratorium for a pre-existing condition is typically
24 months from the start of the plan. If the condition has required no
treatment, no medical consultations, and no form of medication, then the
insurer may elect to cover the condition upon the completion of the moratorium
period.

Coverage with Loading

In some
cases it may be possible to obtain coverage for the pre-existing condition by paying
a substantially higher policy premium. It is important to note that this option
will not be universally available and that this type of coverage will depend on
the insurance company and policy that you choose to work with. Not every insurance company will offer coverage with loading, and not every pre-existing condition will be eligible for coverage.

Medical History Disregarded

When
applying for a group health insurance policy it may be possible to obtain a
plan that offers a Medical History Disregarded (MHD) benefit. Under MHD all
pre-existing conditions for all group members will be covered by the policy. It
is important to note, however, that Medical History Disregarded will typically
only be available for groups with 20 or more members.

We can
provide you with a number of comprehensive options for your coverage in Thailand. Our
dedicated advisors will work with you to ensure that your specific healthcare
objectives are met. In many cases we are able to customize the expat health
insurance plans that we offer to meet individual requirements. This gives you
the security in knowing that while you are overseas you will have the
protection that you need.

For more
information about health insurance in Thailand, the international health
insurance plans that we can provide, or to receive a free quote, please contact
us today.