WrLife Avaliações 134

I am extremely disappointed with my experience with WRLife Insurance.

I purchased this policy in good faith, expecting that in the event of a serious medical condition I would receive the coverage and support outlined in the insurance agreement. Unfortunately, when I required urgent medical treatment and surgery, my claim was denied.

According to my MRI and medical evaluation, I was diagnosed with a complex medial meniscus tear, with additional involvement of the posterior cruciate ligament. This is an acute condition that occurred suddenly and resulted in significant functional impairment, not a pre-existing or purely degenerative issue as the company classified it.

From a legal and contractual standpoint, I believe this denial raises serious concerns. The refusal to cover my treatment appears inconsistent with the principles of good faith, fair claims handling, and the insurer’s obligation to properly assess medical evidence. Reclassifying an acute injury as “degenerative” without sufficient justification may be considered an unfair claims practice.

Additionally, I experienced a lack of timely and transparent communication after submitting my appeal, which further undermines trust and raises questions about compliance with standard insurance regulations and customer protection principles.

Based on my experience, I cannot recommend WRLife Insurance to anyone who expects reliable coverage, fair assessment of medical claims, and proper support during critical health situations.

Dear Sir/Madam,

Thank you for your response.

However, I must respectfully disagree with your conclusion and would like to address several important points.

First, the classification of my condition as “degenerative” is not sufficiently justified. The medical findings (including MRI results) indicate a clear traumatic injury, which in my understanding cannot reasonably be classified as purely degenerative.

I would also like to emphasize that a doctor at Bangkok Hospital did not agree with your conclusion. In addition, orthopedic surgeons in Thailand (including IK Hospital) have also reviewed my case and explicitly disagreed with your assessment, considering such a conclusion to be medically unfounded in the presence of a meniscus tear, ligament injuries, and a bone fracture in a young and physically active individual.

This raises a fundamental question: on what medical basis can such acute traumatic injuries be classified as degenerative and age-related?

In this regard, I formally request:
- A detailed written medical justification of your decision
- The exact policy clauses applied to deny the claim
- The full name, qualifications, and specialization of the medical professional(s) and/or medical commission responsible for this assessment

Please note that I am currently collecting all pre-operative and post-operative medical reports, as well as independent medical opinions, and I intend to pursue this matter through legal channels.

This information is necessary for me to proceed with an official legal evaluation of your decision.

Additionally, a general reference to “degenerative conditions” is not sufficient without precise justification and clear correlation with my specific diagnosis.

Regarding communication, I must also note that I did not receive sufficiently clear and timely responses during earlier stages of this process, which has significantly limited my ability to respond appropriately.

Given the above, I formally request reconsideration of my case based on a thorough, transparent, and objective review.

Additionally, I would like to inform you that doctors at Bangkok Hospital, as well as specialists in Vietnam at WK Hospital, do not agree with your conclusion. Official written medical statements confirming this position will be obtained and submitted as part of my case.

I remain open to resolving this matter in a fair and professional manner.

Kind regards,
Aleksander Poyedyntsev

1. Omwille van co-morbiditeit werd de eerste negatieve beslissing toch teruggedraaid. Hieruit concludeer ik dat met de professionele tussenkomst van collega's rekening gehouden wordt.
2. Pracht resultaat voor mij zodat ik jullie bedrijf kan aanraden aan andere vreemdelingen.

Not Recommended.
This insurance company is not reliable nor trustworthy.
The communication is not professional or existent if you have a problem.
I paid for one year upfront and when I had a case where I needed the coverage they didnt cover.
I canceled the policy with 3 month left in my contract. They replied with asking a few documents and my bank account. I never got a confirmation about the cancelation nor did I get a reimbursement.

fast, professional, friendly

I dislike the long waiting but at the end I like the final settlement

Madame, monsieur , j'ai une demande de remboursement de mon fils Michel VILA depuis le 15 Février 2026 et toujours pas de réponse , par contre vous pour encaisser tous le 12 du mois , vous êtes des champions .Aux, fins d diffusion . gilles Vila

I was told to just present my card for direct payment but it wasn't accepted so I had to pay in cash, It was a difficult process to get reimbursed, like other insurance companies they accept your money readily but trying to get it back from them is difficult and a process!!

Before my surgery on 18/12/2025 I spoke with the staff at Sriphat Medical Center who assured me that Inpatient expenses would be paid directly by the insurer. This didn’t happen so I had to pay the total amount of about 132000 Baht myself before leaving the hospital.
So I sent every receipt and invoice I had received from Sriphat to the insurer. After about a month I was informed that I was not entitled to any reimbursement because I hadn’t disclosed that I had a colon cancer 12 years ago. This suggested that I was deceitful was concerning to me. So I asked to see the form that I had completed showing where I had lied about the previous cancer. They never showed me the form.
So I contacted the surgeon from Sriphat and he concluded with medical evidence that there was no correlation between the two cancers. I sent his response to the insurer and then after a further delay they said they would look into it and then they agreed to pay about 60000 Baht which was less than half the claim
So I queried the shortfall and again after a further delay they said that they would look into it.
Finally, I received notification that I would receive a final payment of about 60000Baht.
So I paid the hospital on 20/12/2025 and received the refund on 25/02/2026. The difference being 76 days.
The agent has been most unhelpful even suggesting that the surgeon was wrong in his assessment.
The insurer has been overly difficult and tardy with its response all at a time when I have been stressed with ongoing chemotherapy treatment.

I live in Thailand and have been insured with WrLife for several years. I haven't had any problems with this insurance so far. Hospital stays were billed directly to the hospitals. After submitting the necessary documents, I always received prompt reimbursement for outpatient treatments, in accordance with the terms of my policy. Based on my personal experience, I can highly recommend this insurance.

perfect service !

Nachtrag:
Ich habe gestern Abend noch mit einem früheren Geschäftspartner bei der SCB (Siam Commercial Bank) Kontakt aufgenommen, da ich bisher immer davon ausgegangen war, dass die Makleragentur SBC Insurance direkt oder indirekt zu dieser 1 A Bankenadresse in Thailand gehört. Ich muss mir selbst den Vorwurf gefallen lassen, dass ich mit 4 Jahrzehnten in Führungs- und Leitungsfunktionen bei Banken und Versicherungen (AAA) nicht den irreführenden Buchstabendreher bemerkt habe. SBC ist nicht SCB. Zumal die SCB Bank ihr früher unter SCB Insurance laufendes Versicherungsgeschäft vor einigen Jahren ausgegliedert hat und dieses nicht mehr unter SCB firmiert.

Insofern bin ich wie unzählige andere Expats auf den Foren hereingefallen, obwohl es auch unzählige Warnungen bezüglich SBC Insurance und Wrlife gab (welche ich leider nicht gesehen hatte).

Insofern macht es keinen Sinn, dass man gerichtlich gegen die SBC Insurance vorgeht, weil man sicher bei einer prozessualen Auseinandersetzung dem verlorenen Geld noch gutes Geld hinterher werfen würde. Und was nützt einem ein Titel in Thailand, wenn man -trotz juristischer Kenntnisse aus dem Berufsleben- für jede Kleinigkeit einen Anwalt bevollmächtigen muss. Wenn ein Geschäftsmodell auf Betrug ausgelegt ist, dann ist bekanntermaßen das Geld in der Regel auf immer verloren.

Die Masche des Betrugs liegt unter anderem darin, dass immer wieder Dokumente angefordert werden, die man überhaupt nicht beibringen kann:

Salami-Taktik: Es wird nicht alles auf einmal angefordert, sondern Scheibchenweise. Sobald ein Dokument vorliegt, fällt der Versicherung eine neue Frage oder ein fehlender Beleg ein.

Ausschöpfung der Prüffrist: Versicherer haben das Recht, einen Leistungsfall gründlich zu prüfen.

Durch das Nachfordern von Dokumenten lässt sich diese Prüfungsdauer legal verlängern, da die Frist oft erst mit Eingang der "vollständigen" Unterlagen beginnt.

Zermürbungstaktik: Das Ziel ist es, den Versicherten so zu frustrieren, dass er aufgibt.

Rechtsmissbräuchliche Mitwirkungspflicht:
Obwohl man zur Mitwirkung verpflichtet ist, hat diese Grenzen.
Verhältnismäßigkeit:
Der Aufwand für die Beschaffung darf nicht in keinem Verhältnis zur Leistung stehen.

Wesentliche Informationen:

Es dürfen nur Daten gefordert werden, die für die Entscheidung tatsächlich notwendig sind.

Selbstbeschaffung:
Wenn die Versicherung sich die Info mit weniger Aufwand selbst besorgen kann (z. B. durch direkte Anfrage beim Arzt mit Ihrer Schweigepflichtentbindung), darf sie dies nicht auf den Versicherungsnehmer abwälzen.

Problem in der Sache ist allerdings, dass das ganze Konstrukt auf Betrug ausgelegt ist (siehe unzählige Warnhinweise in den sozialen Netzwerken).

Ich war auf einer Privatstraße mit meinem E-Scooter gestürzt und habe mir den Arm gebrochen. Für diesen Scooter braucht man weder eine Versicherung noch einen Führerschein. Dies wurde der "Versicherung" auch so mitgeteilt. Ich wurde bei uns im städtischen Krankenhaus ärztlich versorgt. Am Ende standen für die Behandlung, inklusiver X-Ray, Armschlinge und Medikamente für ca. 4 Wochen rund 29 Euro zur Erstattung. Es wurde eine detaillierte Rechnung des Krankenhauses inklusive Arztbrief eingereicht.

Die "Versicherung" forderte für die Erstattung dieses Minibetrages zusätzlich
X-Ray-Bericht
ausführlichen ärztlichen Bericht
Polizeibericht
Alkoholtestreport
Führerschein
Reisepass
Detaillierte Quittung mit Angabe der Menge und Einzelheiten der Medikation
Eigenen Unfallbericht

Warum hätte ich beispielsweise die Polizei involvieren sollen, wenn das Missgeschick auf dem eigenen Grundstück passiert?

Mein Schwager, der Police Lieutenant, bei der Royal Thai Police in Chiang Mai ist, schüttelte auch nur mit dem Kopf, als ich ihm von dem Betrug in Kenntnis gesetzt hatte: Warum sollte sich die Polizei bei einem Sturz auf einem Privatgrundstück einschalten? Es handelt sich weder um ein Offizialdelikt noch gibt es einen Unfallgegner, schon gar keinen Fremdschaden. Auskunftsgemäß gibt es gleich mehrere sogenannte Krankenversicherer für Expats, die alle mit dem gleichen Machenschaften ihren Profit machen.

Man erhält auch durch permanentes Erfragen keine Auskunft, wer die verantwortlichen Personen sind. Weder bei WrLife noch bei SBC Insurance.

Wie auch die meisten anderen Betrogenen auf dieser Plattform habe ich leicht entlarven können, dass praktisch alle positiven Rezensionen FAKE sind.

Excellent ensurance company. They approve a lot of cases we visit doctor.

Hassle-free and very easy claims service.

je remercie Sandra elle ma bien conseiller dans mes démarche

When you deliver a complete claim, it’s processed quickly.

Very reactive. I had a golf accident and the hospital expenses were refunded in no time

When our daughter was diagnosed with a serious medical condition, our world was turned upside down. The treatment was long, complex, and came with substantial medical costs — but through it all, WrLife stood firmly by our side.

From the very first moment, every claim was processed quickly and without complication. There were no endless forms, no arguments, and no hidden delays — just genuine help when we needed it most. The entire team at WrLife demonstrated professionalism and compassion beyond expectation.

A special thank you to the team, whose personal check-ins and sincere concern for our family went far beyond their roles. Their ongoing support reminded us that WrLife is not just an insurance company — it’s a company that truly cares about the people it protects.

Today, our daughter is in full remission and living a healthy, happy life — and we know that WrLife played a significant role in making that possible.

When life brings unexpected medical challenges and overwhelming bills, WrLife has proven that they respond not with questions, but with support, speed, and genuine compassion.

We will be with WrLife for life. Thank you for standing by us when we needed it most.

– Stephan & Family

The response is quick.

Excellent insurance company. I've been using it for 3 years now.