While searching for health insurance, I came across Carsten Creutzburg. Here’s my experience working with him.
I’ve been living in Thailand for many years. When I first moved here, I thought it was unnecessary to have health insurance because of how affordable healthcare in the country is. So, my initial plan was to just pay for everything out of pocket when it came to healthcare expenses.
However, after talking to many people, I realized that having health insurance is important. Many people I spoke with told me about their experiences getting hospitalized in leading hospitals in Thailand, such as Bumrungrad Hospital or Samitivej Hospital.
While their bills were more than THB 100,000, their insurance covered everything in full. For some people, the cost was over THB 300,000, and their insurance also paid for it.
They all said the same thing: they went straight to the best hospital in Thailand as soon as they started experiencing symptoms, without worrying about the cost, because they knew their health insurance would cover it.
So, I began my quest to find good health insurance. And luckily, I found Carsten Creutzburg.
Why I Decided to Use a Broker
Initially, I did my own research on health insurance in Thailand and realized that international insurance was a more suitable choice for me than a local plan. But my main challenge was that I couldn’t decide which insurance to get since there were so many options available.
Each plan also had so many details to consider. So, I decided to take a shortcut and find a broker instead. Based on my research, I knew that buying from a broker would give me the same price as buying directly from an insurance company.
How I Found Carsten Creutzburg
It’s easy to find an international insurance broker. I once asked for a recommendation in a Facebook group, but I was overwhelmed by the responses. There were too many recommended brokers, and I wasn’t sure whom to trust.
Then, I remembered a health insurance article on ExpatDen, which was my main source of information during my insurance journey. That’s where I found Carsten Creutzburg. Since ExpatDen is my trusted resource, I believed that the broker they partnered with should also be trustworthy.
So, I filled out the form (which was quite long) and contacted Carsten immediately.
My Experience Working with Carsten
Carsten contacted me by email within a day and asked for more information about my situation. I replied, and three days later, he sent me a very long email that felt like an essay.
The email included a detailed comparison of multiple insurance providers, with costs and benefits outlined. These comparisons were extremely useful in helping me find the right insurance company for myself.
After that, there were many emails exchanged between Carsten and me. Throughout the process, I learned a lot about him:
Good things:
- Carsten is very knowledgeable. He told me many things I hadn’t realized before about health insurance.
- Carsten is thorough. He answered my questions in detail and gave me clear explanations of my choices.
- I got the impression that Carsten recommended insurance providers based on what was best for me rather than where he earned the highest commissions.
Bad things:
- His emails were sometimes too long.
- Occasionally, I had to follow up on things to keep the process moving forward.
After a month of back-and-forth emails, I was finally able to choose a plan for myself. Carsten quickly sorted everything out, and I am now insured.
Carsten vs. Other Insurance Brokers
Before working with Carsten, I had contacted a few other brokers through the Facebook group I mentioned earlier. However, I wasn’t impressed. They often just recommended one or two policies without providing any comparisons or explanations.
Should You Use Carsten Creutzburg?
If you’re looking for international health insurance, in my opinion, you should contact Carsten. It seems to me that he can help you choose good international insurance no matter where you are in the world.
Of course, there were occasional delays in communication, but my overall experience with him was positive. I can definitely recommend Carsten’s services.
You can use this form to start communicating with him. It’s free, so if you’re not happy with his service, you can simply move on. There’s nothing to lose.
