เว็บไซต์คืออะไร?

https://www.facebook.com/112079600278201/

Expat Influencer Insurance

Financial & Risking Management Consultanting Expert We are guarantee on the level of service.

Our admin and team have experience on hotel and service industry with over 20 years with admin & management level. To make our customer having knowledge on insurance's products with claimable as our VISION. To clarify on single details, educates and be consults with honestly and respect is our MISSION. Let's us be your insurance consultant and be a part of your insurance for you and your family.

29/10/2025

EP4: DECLARE
Customer who failure to declare any pre-existing medical condition or relavant history from hospital would be considered as concealing information. Insurance company reserves the right to deny any claims if such information is not disclosed on the date contract inception.

Add info, please ask
Tel: 061 653 9526
WhatsApp: Manit Mooksaeng
Line ID: manitmook

29/10/2025

EP3: TERMINATED or DISCONTINUED Contract.
What could be the reasons?

1. When the insured does not declared her/his pre-existing health condition, insurance company will be;
-Except for coverage or
-Terminated contract or
-Discontunue contract

2. High claims rate for medical expenss as IPD with simple illnesses that can be treated as an OPD, insurance will process;
-Notifications
-Suspend claims credit
-Discontinue contract

More info;
Tel: 061 653 9526
WhatsApp : Manit Mooksaeng
Line ID : manitmook

22/10/2025

EP2: UNDERWRITING GUIDELINES
For cases with medical history, if you have medical history, here are the possible underwriting outcomes;

1. Standard Approval,
if the condition is assesseed and accepted by insurance company OR

2. Approved with extra premium
Higher that standard premium applied OR

3. Approved with exclusion
Policy issued but excludes coverage for pre-existing condition OR

4. Declined or Postpone
For severe or unstable medical condition.

More info;
Tel 061 653 9526
WhatsApp: Manit Mooksaeng
Line ID: manitmook

15/10/2025

EP1: Expat Influencer Insurance with page's admin

13/10/2025

Take a Moment to Read — Understanding the “Waiting Period” in Health Insurance

In today’s world, taking care of your health has become more important than ever. Having health insurance gives us peace of mind when unexpected medical situations arise. However, many people may not be familiar with the term “Waiting Period”, which is an important part of how health insurance works.

So today, let’s explore what the Waiting Period really means — why it exists, why you can’t make a claim right away after purchasing your policy, and when you’ll actually be able to receive benefits from your health insurance. Understanding this will help you make informed decisions and be better prepared when choosing your health coverage.

🩺 What Is the Waiting Period in Health Insurance?

The Waiting Period is the length of time you must wait after your policy becomes effective before you can make a claim for certain medical conditions. This rule exists because some illnesses take time to develop or show symptoms, and not all require immediate treatment once diagnosed.

The purpose is to ensure fairness and accuracy in providing coverage for all policyholders — balancing the company’s risk management and the insured’s rightful benefits.

👉 However, accidents are not subject to any waiting period. You can claim for accident-related treatment immediately once your policy becomes active, since no one can predict when an accident might occur.

⏱ When Does the Waiting Period Begin?

The waiting period starts from the effective date of your first policy. Once your policy renews continuously, the waiting period no longer applies from the second year onward.
But if your policy lapses and you renew it later, the waiting period will start over again — that’s why it’s very important to maintain your policy without interruption to keep your benefits protected.

📋 The Two Main Types of Waiting Periods

1. 30-Day Waiting Period
Applies to general illnesses that are not pre-existing conditions.
(For Krungthai-AXA Life Insurance customers, this does not apply to emergency surgeries unrelated to pre-existing conditions, such as appendicitis surgery.)

2. 120-Day Waiting Period
Applies to specific conditions including:
Tumors, cysts, or any type of cancer
Hemorrhoids
Hernias
Pterygium or cataracts
Tonsil or adenoid removal
Gallstones or kidney stones
Varicose veins in the legs
Endometriosis

💡 What Is a Pre-existing Condition?

A Pre-existing Condition refers to any illness, injury, or health abnormality that existed before the insurance policy started — and that the policyholder was aware of but did not disclose to the insurer.
For example, discovering a lump or having a chronic illness that wasn’t declared could affect coverage eligibility.

However, the company may still provide coverage if:

You declare the condition and the insurer agrees to accept it without exclusion, or

The illness has shown no symptoms or medical consultations within 5 years before the policy started, and no signs for 3 years after it took effect.

Common pre-existing conditions that may not be covered include:

Chronic illnesses or injuries from the past that haven’t fully healed

Undiagnosed symptoms such as recurring pain, bleeding, or lumps

Ongoing treatments or therapies under a doctor’s care

Hidden health abnormalities not yet detected (e.g., a growing tumor)

💬 Why Understanding the Waiting Period Matters

Knowing about the waiting period and keeping your policy active without interruption is key to getting the most out of your health insurance.
Once the waiting period has passed, you’ll have full access to the policy benefits — ensuring you receive the care and protection you deserve at every stage of life.

Because with the right health insurance, you’re not just protecting your health — you’re protecting your peace of mind.

More info ☎️ 061-653 9526
WhatsApp: Manit Mooksaeng

07/09/2025

Worry-FREE surgery.
In-pateint (IPD) pre-approval program by Krungthai-AXA insurances.

Ask more.
Tel 061-6539526

29/08/2025

Health Insurance "Waiting period is really matters"
Many regret not applying earlier.

For further details and condtions;
Tel : 061 653 9526
WhatsApp : Manit Mooksaeng
Line : manitmook

10/08/2025

Underwriting Guidelines for cases with medical history.

Customer whobhave medical history remain apply to medical insurance. Here are the possible underwriting outcomes:
-Standard approval (if the condition is assessed and accepted by the insurance company)
-Approved with extra premium (higher than standard premium applied)
-Approved with exclusion (policy issued but excludes coverage for pre-existing conditions)
-Declined or Postpone (for severe or unstable medical conditions).

To fast ler approval by underwriting with applicant on pre-existing condition better submit your medical history.

Taking longer once considering approval polocy but faster approve once claimes occurred.

Consult and ask more
Tel: +00 (0)61 653 9526
WhatsApp: Manit Mooksaeng

03/07/2025

Medical Insurance with most benefit once stay in Thailand.

-ExpatInsurance
-Coverage with happy mode
-More than 440 net working hospitals over Thailand
Krungthai AXA Life Insurance Public Company Limited
-Lumsum Insurance you MUST hold
-Meet to modern treatment methods
-A selections of coverage start from 3 Million to 100 Million per year, six choice of plans
-Apply with ages 6 – 80 years, applied all plans
-Insurance fee applied to yearly taxes refund of 25,000THB

SILVER plan (as below poster)
-Coverage 15 M per year
-Room and board, hospital fee with 5,500 THB per day
-Out-patient with 6,000 THB per year (not limited on frequency and limited on fee per time)
-Radiotherapy chemotherapy, dialysis
-Pre- and post-natal complications 15 M
-Hospitalization outside the area of coverage within 90 days
-Able to additional purchase compensation fee if hospital admitted 500 – 5,000 THB per day (poster with fees included 1,000/day if admitted.

Accepted Cash/Card
-With annual fee or se-mi annual fee or monthly fee. Below specific on advertise poster with annual fee.
-Customer transfer/pay direct to KTAXA account

More info
Call: 0616539526
WhatsApp: Manit Mooksaeng

ที่อยู่

100/30 Srisuchart Grandview 1, Soi Srisuchart 1, Moo. 5, Tumbon Ratsada, Amphur Muang, Muang Phuket, Phuket
Changwat Phuket
83000

เบอร์โทรศัพท์

+66616539526

เว็บไซต์

facebook.com

แจ้งเตือน

รับทราบข่าวสารและโปรโมชั่นของ Expat Influencer Insuranceผ่านทางอีเมล์ของคุณ เราจะเก็บข้อมูลของคุณเป็นความลับ คุณสามารถกดยกเลิกการติดตามได้ตลอดเวลา

ติดต่อ การปฏิบัติ

ส่งข้อความของคุณถึง Expat Influencer Insurance:

ชื่อ:

ที่อยู่อีเมล์:

ข้อความ:

ทางลัด

ที่อยู่
เบอร์โทรศัพท์
แจ้งเตือน
ติดต่อ การปฏิบัติ
อ้างสิทธิ์หรือรายงานรายการ

ต้องการให้ธุรกิจของคุณ การปฏิบัติ ขึ้นเป็นอันดับหนึ่ง คลินิก ใน Changwat Phuket?

แชร์

Medical & Life Insurance for Foreigners

We are a professional health insurance counselor base in Thailand who provides the best health insurance for the foreingners and expat in order to ensure your safe and healthy life in our beautiful and peaceful country.

Have you ever meet this situation when you have idea to buy an insurance?

Complicated Explanation and/or Offered Options?

Uncertained nor Confident in the Reliability and/or Products and/or the Insurere Company?