Baymac

[fourgolds]

Hi All not sure if this is the correct forum , but many in the ME have subsribed to BAYMAC so I will ask here , I am a member but have never had to use it yet . I am just curious to hear from anyone who has actually used it and made a claim.
Do they pay ! , how simple /complicated is the payment / re imbursment process in reality ? What is the reality of actually using the policy if required ? Anybody with actual good/bad experiences ? I am just suspicious as I have heard a few rumours . Afterall its not cheap .
Anyone with actual experience please pm me or post . Many tks 4G's

[Trader]

I have used them several times for claims. The website works well. Just type in the info, attached a scan of the receipts and send it in. They pay within a few weeks to any bank account.

I was with Aetna previously - the Baymac system works MUCH better!

[fourgolds]

I have used them several times for claims. The website works well. Just type in the info, attached a scan of the receipts and send it in. They pay within a few weeks to any bank account.

I was with Aetna previously - the Baymac system works MUCH better!

Many thanks for the input.

[TooLow]

Loss of income Protection

I'm assuming you guys are talking about the supplemental medical coverage Baymac offer, but does anyone have experience with their loss of income plan?

Just curious if they've made any payouts yet (or refusal to pay).

Thanks

[springbok449]

The big difference between Aetna and Baymac is that Baymac is not a "supplemental" coverage, i.e. its not used to "top up" EK medical insurance.

I subscribe for my family and use it a lot (my son has a few health issues) never had any problems receiving the money, its straight forward online pay and claim, paid straight onto my UAE bank account.

[speedbirdhopeful1]

Part of the reason we have had quite an increase on the fees is that some of our colleagues are using it as their primary insurance. Although it is a true stand alone policy, EK should still be used to the maximum.
Not suggesting anyone here is doing this but it is happening as was a few people joining it with the sole reason of convering expensive pre existing conditions. As always, a few spoil it for the rest.

[The Turtle]

Agree. Use EK to the fullest. That's what their there for.

[springbok449]

Absolutely agree that the EK aid should be used first and to the fullest.
The sad part is that the EK insurance should cover the employees health expenses without anyone having to "top up" or get extra insurance from elsewhere, let's face it it's not as if the insurance for family members is free...

[MR8]

Never had to make a claim, but wondering how exactly it works as a top up? e.g. The limit for dental care outside of routine check-ups at the EK clinic is quite low. If my wife or kids would have to have dental work done, and the invoice goes over the EK limit, EK will only pay up to the limit. I want to use them to the max. How can I claim the rest from Baymac? I have to send in the original invoice to EK..

[speedbirdhopeful1]

Never had to make a claim, but wondering how exactly it works as a top up? e.g. The limit for dental care outside of routine check-ups at the EK clinic is quite low. If my wife or kids would have to have dental work done, and the invoice goes over the EK limit, EK will only pay up to the limit. I want to use them to the max. How can I claim the rest from Baymac? I have to send in the original invoice to EK..

Simple, just ask wherever you had the work done to email you a copy of the invoice. I included a screenshot of the EK system showing the deduction too - easy. They even have an app to upload pictures of invoices and submit.

[littlejet]

Not suggesting anyone here is doing this but it is happening as was a few people joining it with the sole reason of convering expensive pre existing conditions

Well that is what they were selling on their fancy hotel presentations and they should stay behind their side of the deal up to a maximum limit (5 mil USD, pre existing cover ) Also they were very vocal how they don't care if you go straight to them for claims and not even talk to EK. From the increased premiums looks that they are realizing that people who bought their health card actually want to use it. Baymac's reaction is typical for this place and unregulated markets where you have no legal protection.

As always, a few spoil it for the rest

I am sure those people became sick just so they can spoil the fun of the healthy bunch. So rude!

[what_goes_up]

The big difference between Aetna and Baymac is that Baymac is not a "supplemental" coverage, i.e. its not used to "top up" EK medical insurance.
Unfortunately not true anymore. All claims have to go through EK and only when over and above EK policy can be submitted to Baymac. Reconfirmed with the office and was told, this was always the case but will be reinforced from now on.
It can be used as stand alone if no other health insurance available but with some countries excluded!!

[speedbirdhopeful1]

Well that is what they were selling on their fancy hotel presentations and they should stay behind their side of the deal up to a maximum limit (5 mil USD, pre existing cover ) Also they were very vocal how they don't care if you go straight to them for claims and not even talk to EK. From the increased premiums looks that they are realizing that people who bought their health card actually want to use it. Baymac's reaction is typical for this place and unregulated markets where you have no legal protection.



I am sure those people became sick just so they can spoil the fun of the healthy bunch. So rude!

Are you simple or something? The point is why an EK person who was genuinely sick is choosing to use the Baymac system instead of using the employer scheme? Why wouldn't you want to use as much of EK as possible and prefer to save them money?
I don't know what presentations you were at with Baymac but from the outset this was all explained to me (several years back now) and that claims would influence the premium (like pretty much any insurance policy on earth)
Of course if you are exceeding the EK limit, pre existing, family in different country etc etc that's a different story but your point of 'it's stand alone so let's just use it for the sake of it' is nonsense.

[littlejet]

The pre-existing conditions are not covered by EK Medical.
Therefore Baymac stepped in and offered the product as a "stand alone" health cover which accepts those as long you buy membership and have a valid medical/flying status at the time of enrolling.

Blaming people for increasing premiums because they dared treating their pre-existing sickness leaves me speechless

Their main sales pitch was that.

These are the first few few extract from the brochure

1. This program provides comprehensive medical coverage on a worldwide basis, allowing insured’s to seek treatment anywhere in the word.

2. Provides 5 million USD lifetime limit in healthcare benefits.

3. No medical underwriting or medical tests required for pilots less than 63 years of age.

4. Coverage for professional pilots and their families, children covered free until age 19 with student rates available to 23 years of age.

5. Select your doctor; the plan does not limit you to any particular doctor or practitioner.

6. Pre-existing*, Hereditary, Maternity, Chronic and Congenital conditions covered. Routine eye examinations and replacement lens covered.

....

27. Is the GlobalCare Plan a top-up plan or does it stand alone as a primary plan?

The GlobalCare Pilots Plan works as a primary plan if the member has no other health insurance, and as a secondary plan if the member has other health insurance coverage. Whatever is not covered by the member's primary will be covered by the GlobalCare Pilots Plan to the limits of the Plan.

Increasing overall premium for people being sick and submitting the claims is downright illegal in most of the regulated countries.

It should be controlled trough deductibles, so they claim

32. What is the US$250 deductible? Is this per claim or per year?

The US$250 deductible is the amount each policyholder must pay per year (not per claim) on their medical costs before claiming on the policy. This is limited to $750 per family.
Some benefits do not require the policyholder to pay a deductible, e.g. annual check-up and lens replacements etc. If there is a claim for $300, the member will pay the first $250 and claim for the remainder. If there is a subsequent claim in the same policy year for $800, the member can claim the full $800.


Baymac always prided itself on those presentations, how they are different from Aetna as they have no requirement from EK medial department to cover their clients.

As for being simple, well why don't you contact me via PM and we can settle that man to man

[Silky]

Littlejet!
For the first time in a long time...I see someone who reads it right and actually understands what he has paid for!

Thank you sir(or madam)

In full agreement with your assessment!

[speedbirdhopeful1]

The pre-existing conditions are not covered by EK Medical.
Yes they are - 150,000Dhs per year. Its not a huge amount, but why would you want to save EK cash?

You state that "Baymac always prided itself on those presentations, how they are different from Aetna as they have no requirement from EK medial department to cover their clients." yet quote from their own conditions:

The GlobalCare Pilots Plan works as a primary plan if the member has no other health insurance, and as a secondary plan if the member has other health insurance coverage. Whatever is not covered by the member's primary will be covered by the GlobalCare Pilots Plan to the limits of the Plan.

Increasing overall premium for people being sick and submitting the claims is downright illegal in most of the regulated countries.
It's insurance - are you saying if you crash your car three times in a year and then write it off you shouldn't expect an increase on the next renewal? More claims = higher premiums, I don't like it either but its a business after all.

I am not disagreeing with you regarding the pre-existing conditions, as it was marketed to those with potentially serious issues that could be stuck with no cover beyond the 150k from EK. My issue was that there are multiple individuals that are fairly healthy, don't have pre existing conditions and are claiming for everything on Baymac because they can't be arsed going to the EK clinic or getting a referral. I flew with one recently who boasted of such "because its way easier, and they have an iPhone app for claims!"

[Silky]

Dear Dr Mohammed at EK clinic,

I was in bed and my wife said I nearly snored!

Dear Pilot,

Please wear this thing and let's just see if we can make your life misery!

Yeah, let's just offer the doctors in the clinic a reason to remove your license! There is really no conflict of interest having your GP and your AV doc in the same office!

[scrum]

I'm having a look at Baymac for their loss of income protection as their premiums are substantially less than a similar deal offered to me by my company.

For those who are with them, are they good to deal with? Any difficulty making claims etc?

Thanks.