Our Company uses the services of Thai
Zurich for all your house insurance or AIA American International Assurance Co
Ltd. We cover everything from health Insurance to vehicle, house, theft
& travel insurance.
Please just ask us
as we are agents for Thai Zurich in Chiangmai. Need to know more
then CALL Thongjan 09-6311114 (Thai or Eng) or 01-9527812 or Tel/fax us
00-66 53-894-210. We also use AIA Insurance company with our
Thai Insurance representative Khun Sununta Rangdaeng (Sue) and offer the
following services to all foreigners coming to live in then North of Thailand
and especially in ChiangMai. We can advise you on all your insurance needs
by fax or mail documents in English and make sure the quote you receive enables
you to enjoy adequate cover from buying that vehicle to insuring your house and
personal needs. For all Health insurance needs we use BUPA & AIA now
which are Thailand's foremost Insurance Companies. Yes, you can find
them on the net but there is no price difference between using us or the
Insurance Office. However what we do is explain to you every query you may have
& make sure you get the policy that you want & ask for --------therefore
there's no hidden costs as our foreign & Thai reps assist you with full
explanations and most of all we do not push you into signing anything.
offer a 24 hour helpline on any Insurance need you may have in Thailand: Just
COVER FOR FOREIGNERS:
|HEALTH INSURANCE: With
our own lawyer we can now assist all Thailand expats with any type of
Insurance cover from Life, vehicle, motorcycle, home, contents, cargo
Insurance to whatever you want. You can even choose which company you want
and we will make sure you are completely looked after. No hidden costs, no
hidden agendas and every policy is overseen with our legal Office to make
sure your policy is guaranteed to meet the requirements & our foreign
legal advisers. Our policies are ideal for residents of Thailand and
surrounding countries and also expats living here. We are able to offer
foreigners with a world wide healthcare insurance at very competitive
rates. Below are some of the benefits you can enjoy:
Choice of 2 healthcare plans consisting of International health insurance
hour international toll free medical help line.
90m day travel insurance.
settled in the currency where the expense was incurred.
the spot settlement of bills to approved hospitals regardless of location
cover approved by the Department of Insurance Thailand.
INSURANCE FOR US CITIZENS: U.S. medical insurance is
sometimes not valid outside the United States. U.S. Medicare &
Medicaid programs do not provide payment for medical services outside
America. Doctors and hospitals often expect immediate cash payment for
health services. Uninsured travelers who require medical care overseas may
have a problem. Check your insurance company about your policy including
medical evacuation, and for make sure you have plenty of cover. Serious
medical problems requiring hospitalization and evacuation to the United
States can cost thousands of dollars. Make sure payment is made to the
Thai hospital or doctor & reimbursed later for expenses. Some
insurance policies have cover for psychiatric treatment and for
disposition of remains in the event of death. Persons with serious medical
conditions who travel to Thailand may wish to consider insurance that
covers medical evacuation, because costs of the costs.
Useful information check the Department of State’s Bureau of Consular
Affairs brochure, Medical Information for Americans Traveling Abroad, via
the Bureau of Consular Affairs home page or autofax: (202)
647-3000.Disease control see: http://www.cdc.gov.
A must to protect your investment
but check around as some Thai companies may vanish overnight.
Check basic covers, fire and theft & the fine print. Although
we don't have any major disasters in Chiangmai some areas are
prone to flooding. Take out a cover note when you settle on the property.
If building a home, ensure you have cover from the day you start
building. We are able to assist you with all your Insurance
& security alarm systems shortly.
1/. Replacement cover - reinstates your property to it's former
condition if destroyed, i.e. new for old. Don't confuse
replacement value the price you paid for the property. A home
bought for THB 3,000,000 may cost THB 7,000,000 baht if replaced.
It's cheaper for a builder to build several houses at a time, than
to construct just one fro instance.
2/.Indemnity policy - reinstates or repairs the property &
depreciation is taken into account, i.e. old for old. You only
receive a part of the amount it would require to replace it.
Premiums vary greatly depending upon the size of your home,
features, location, and construction eg. security system, fences,
keyed locks on all windows and doors? Maintain your home: Check
for loose roof tiles, electrical fittings, plumbing, sewerage
outlets, wiring & lines. Some insurance policies in Thailand
don't cover your properties against "Acts of God", such
as lightning, hail, earthquakes and floods.
Coverage is replacement value or cash value. Say your THB 5,000
fridge is destroyed, full replacement ensures a new fridge. Cash
value would only give you the depreciated value, say THB
3,000. But, full replacement policies are dearer than cash value
policies. Contents of a home can be valued at 50% of the
structure's replacement value, e.g. on a THB 2,000,000, contents could
be as high as THB 500,000. Always keep receipts for major
purchases and detailed inventory records for insurance
purposes. Standard content policies in Thailand don't cover you
against burglary and theft of your valuables, e.g. video recorder,
computer, jewelry - for those items you will need a burglary and
robbery (special risks) policy.
For this 'Special Risks' policy you must provide a detailed list
of items. Again keep receipts for major purchases and detailed
inventory records. Our lawyer says even keep a camera record.
Limit small claims and minimize burglaries with more security
You may need 'in transit' insurance cover if moving from one house
to another. Check this out & if possible talk to other
homeowners or us for recommended companies to use.
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