What do you need to discuss?
Discuss Asia Care Vital policy (see attachement) with regards to cover provided. Get as much info as possible.
Guaranteed renewal if become member now?
Confirm that cancer & coronary treatment is fully covered.
Confirm that chronic diseases are covered, including kidney dialysis.
The rehabilitation of up to 30 days is per medical condition / disability? Both in and outside of hospital? Included in this are medicines, doctor's & specialist fees, external prosthetic devices (for rehabilitation only), etc.
Nursing at home is covered for a maximum of $ 1.000. Is this per year or per medical condition / disability?
The pre-operative consultation & diagnostic procedure before and after hospitalisation includes MRI, CT and PET scans? Physiotherapy? This is different from rehabilitation in what way?
The amount for the HIV / AIDS treatment of $ 15K is per year for a total of five years?
There is a waiting period for HIV/AIDS (20 months) and psychiatric treatment (10 months) only. Correct? However, these will be waived in case they were insured by previous insurance companies?
Confirm that all pre-operative procedures/tests/consultations and any post-operative treatments following an operation (in-patient or daycare) are covered including doctor's & specialists fees, medicines, MRI, CT and PET scans. Does this also include physiotherapy and complementary therapies? The allowance of USD 2.000 is per medical condition or per year?
Annual medical health check-up is included?
What are the normal costs for an organ bone marrow transplant? Liver? Heart? Lung? Kidney?
Is their coverage for implanted medical devices and artificial organs? Doe this include the costs of the medical procedure?
Why are there no deductibles allowed under this policy. Deductibles are quite normal for health insurance polices?
Are there discounts for years without any claims?
Is this package sufficient for BKK Hospital in Khon Kaen?
Most of in-patient bills will be handled through direct billing. Correct? BBK hospital in Khon Kaen is part of MSH's hospital 'direct billing' network. Correct?
If we want to use a hospital that is not part of the network can we do this? Can said hospital be included in the network? If a big & expensive medical or emergency procedure has to take place and the hospital is not part of MSH's network will MSH cover the bill or do we have to advance the fees?
All claims are processed through BKK office? Claims are reimbursed within 5 days?
24/7 emergency tel. number is in Thailand?
Insurance premium is payable in Thai Baht and reimbursement of claims is paid in Thai Baht?
See attached brochure with details of the insurance policies.
PS Do not mention Pacific Prime