Thread: Insurance Hunt

Sorry, I dont think I put this under the insurance category.

To add a question onto my post -

What are your thoughts on having out-patient care included, it seems to cost atleast another couple thousand dollars. Is out-patient care like annual doctor visits, x-rays, etc in-expensive enough to pay out of pocket? Does anyone know what some of these might cost?

Thanks,

Cory

Great, love the idea of not spending hours and hours driving myself crazy. Will contact them. Thank you :D

Cory

Hi, I also enquired through Sue, but the price was so high (from US$3,000 to 4,500) I let it go. (Age was a factor in that high price.)
Recently have recieved an e-mail pointing to this web-site:
http://www.travelinsurancedirect.com.au/
The e-mail addresses me as a previous TID customer - and I do remember using them on a short trip a few years back - but didn't claim so cannot say how responsive they are. Anyhow this web-site does have an annual cover which is only AU$354. Seems too good to be true so I haven't followed this one up yet.

Originally Posted by ronb

Hi, I also enquired through Sue, but the price was so high (from US$3,000 to 4,500) I let it go. (Age was a factor in that high price.)
Recently have recieved an e-mail pointing to this web-site:
http://www.travelinsurancedirect.com.au/
The e-mail addresses me as a previous TID customer - and I do remember using them on a short trip a few years back - but didn't claim so cannot say how responsive they are. Anyhow this web-site does have an annual cover which is only AU$354. Seems too good to be true so I haven't followed this one up yet.

I'm no expert on this but I have to research insurance aswell. TID is under wriiten by Allianz so I would say reputable. The $354 you quoted is correct for a 12 month policy for frequent ttavellers but it only covers trips of a duration of up to 30 or 39 days (can't remember which) for personal travel or 90 days for business trips. Probably not suitable for people permanently living in Bali. Medibank Private's comprehensive international policy is $929.70 for members (that includes a 10% discount).I don't think there are any restrictions on length of stay overseas and it includes evac expenses. Is this the sort of figure that anyone from OZ who lives in Bali is paying annualy for insurance?

Hey Gilbert,

Thanks for inquiring about the insurance hunt :) I contacted Pacific Prime, but missed their call. I tried to call the 1-800 toll free number on the website from the US, but for some reason it wont go through. So, Im going to try again when things slow down a bit at work.

Since we are traveling to Bali in 2 weeks, yay! I want to ask some people and our friend over there some questions. Im still trying to figure out if we can get away having a policy that just covers hospitalization, x-rays, major things, then just pay out-patient visits out of pocket. Most policies that will cover out-patient treatment are atleast another 3K a year and I cant foresee spending that much on doctor visits here and there...but then again I dont know what doctor visits, medicines, etc cost. We are both pretty healthy, thank goodness, but theres always that x-factor of not knowing what could happen. But, saving 3K a year, you could have some more money in pocket to spend on out-patient care and things.

Lastly, I dont want to overpay for insurance I dont need. William Russell, Interglobal, and one other one, all cover you for other areas such as Australia, other parts of Asia, etc. That has to drive up the price, I would think. We really just want cover in Bali, then will get traveler's insurance when we go anywhere.

So, still on the hunt... :D

Cory

Originally Posted by aquaman

Medibank Private's comprehensive international policy is $929.70 for members (that includes a 10% discount).I don't think there are any restrictions on length of stay overseas and it includes evac expenses. Is this the sort of figure that anyone from OZ who lives in Bali is paying annualy for insurance?

Thanks for this pointer - I'm looking at it. From the first quick read it looks like you can do it for a year but must be in Aust to start it -- looks like you may need a regular trip to Oz - but Darwin should do and Jetstar has good rates. (I am not a Medibank Private member but that only inrceases it a bit.)

I would be interested to know if anyone is using it.

Originally Posted by ronb

Thanks for this pointer - I'm looking at it. From the first quick read it looks like you can do it for a year but must be in Aust to start it -- looks like you may need a regular trip to Oz - but Darwin should do and Jetstar has good rates. (I am not a Medibank Private member but that only inrceases it a bit.)
I would be interested to know if anyone is using it.

Hi Ron,

Have you, or anyone else for that matter, researched any further on health insurance policies? I admit I haven't as yet. If anyone has any suggestions (on health insurance that is :P) I'm all ears.

Cheers