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Location: Jakarta, Indonesia
Posts: 10,411
Health Insurance
This thread will not be much use to those that live in the States except it does give you an idea of what health care costs outside of North America. But it could give some who live outside of North America an idea of good insurance coverage from an international company that is good value for money.
So living in Indonesia you have to have health insurance preferably with a allowance for a medi-vac service to take you out where you can get proper health care. Years and Years ago I signed up with Danmark International and the premiums were around USD 600 a year with 1 million USD worth of coverage anywhere in the world except for the USA and Canada. Along the years as I got older the premiums have increased and as of last year around this time I paid a premium of USD 2300 for my coverage and the same coverage with the same amount (1 million USD) for my 28 yr old wife.
As most of you know I have under gone 2 stays in the hospital this year 1 for a large kidney stone (2.1 cm in length) which the stay due to complications lasted around 35 days and another which I have just recently been discharged for a kidney transplant which that stay lasted 32 days, both stays at Mount Elizabeth hospital in Singapore.
The first stay cost the insurance company 108,000 SGD which works out at todays exchange rate of USD 74,000 and the kidney transplant will cost Danmark Insurance a total of SGD 255,000 (about 174,000 USD). So this year I would estimate that they will have paid and or reimbursed me for medication and doctors visits appx. 275,000 USD. As I am very aware of this I was concerned about the renewal coming at the end of this month, I have been told that renewal did arrive at the house and the total for renewal under the same conditions (1 million USD each for my wife and I) for another year is USD 2600 this time around.
Investing in these guys years ago has really paid off this year. So anybody got better rates than this?
__________________
"France has neither winter nor summer nor morals. Apart from these drawbacks it is a fine country. France has usually been governed by prostitutes." ---Mark Twain
Glad that all went well, though while you're feeling smug about the deal you got, remember that the bill for the difference between your premium payments and the actual cost is footed by the millions that get zero back for the premiums they pay every month.
Health insurance = the healthy pay for the sickos
And that applies no matter where you live.
Last edited by C230Kto380SL : 10-12-2007 at 02:07 AM.
Vehicle: PM me to Join the Expat Muslims for Obama Club........
Location: Jakarta, Indonesia
Posts: 10,411
Quote:
Originally Posted by C230Kto380SL
Glad that all went well, though while you're feeling smug about the deal you got, remember that the bill for the difference between your premium payments and the actual cost is footed by the millions that get zero back for the premiums they pay every month.
Health insurance = the healthy pay for the sickos
And that applies no matter where you live.
Sorry to disappoint but I have no feeling of smugness, I feel lucky and I wanted to let everyone out there in the rest of the world (except North America) to know what this company has done. It is a good deal and if I see a company that does what they say I like to let people know about them and promote them because there are SO MANY companies and cheating lying decieving sales guys out there lying there ass of to sucker the next guy in to throwing his money away.
As well the ones living in the US know what they pay and can compare what I pay living outside of the US and realize how the US health care industry is ripping off the public. The Insurance companies know this and charge accordingly.
Vehicle: PM me to Join the Expat Muslims for Obama Club........
Location: Jakarta, Indonesia
Posts: 10,411
Quote:
Originally Posted by C230Kto380SL
You're not getting the message here ...
Your health insurance is a "for profit corporation".
This means your bill was paid by the thousands of your fellow countrymen who don't make claims against their policies.
Many of whom can barely afford it.
Without that income to pay for your claim, your insurance company would leave you to die.
You've got your capitalism backwards.
And you are not getting the message, everyone needs health insurance (can we agree on that point) and I am trying to let these people know of a decent company who did not leave me to die and who has paid my claims for years without cancelling me or welching out.
And you are not getting the message, everyone needs health insurance (can we agree on that point) and I am trying to let these people know of a decent company who did not leave me to die and who has paid my claims for years without cancelling me or welching out.
EVERYONE NEEDS HEALTH INSURANCE
OK, dude, just remember to shoot a quick thankyou to the spiritual realm for your good fortune, later on you'll see insurance for what it really is.
Vehicle: PM me to Join the Expat Muslims for Obama Club........
Location: Jakarta, Indonesia
Posts: 10,411
Quote:
Originally Posted by C230Kto380SL
OK, dude, just remember to shoot a quick thankyou to the spiritual realm for your good fortune, later on you'll see insurance for what it really is.
I was insured earlier this year when our house got flooded, we total claims of about USD 75000 plus another 9000 USD for my 06 Merc E 280. They paid everything. I as well have worldwide cover on several items we travel as well as my wife's USD 32000 diamond rong, you are saying this is bad? I should cancel the insurance n the ring as well and take an off chance that the ring is lost or stolen?
So what are you saying, you have no insurance on your home, car or your health?
Vehicle: PM me to Join the Expat Muslims for Obama Club........
Location: Jakarta, Indonesia
Posts: 10,411
after what 3 days and no response, with all that blustering about the evils of insurance you fail to answer whether you have it or not. Seems you are one of those "do as I say not as I do" kind of guys, good luck with that........
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