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Everything posted by Sheryl
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People have successfully used Thai ID cards and Thai drivers licenses. I do not know if a foreign issued license would be accepted. If the problem is that your passport is at an Embassy etc being processed fora visa, you can show a photocopy of it.
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I fail to see any reason for these statements based on the medical information so far available. All we know is that following treatment for TB, he developed pneumonia. Which is a treatable condition. At last report his condition had improved/stabilized. While it is possible complications will set in that change the prognosis we have no such information. In any event the subject is not what medical decisions to make but how to deal with the fact that OP is unable to pay for his medical care.
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Has Bumrungrad submitted the necessary forms to the insurer for pre-approval? If so a one week turn around is possible. Not guarnteed but certainly possible, if the hospital submission was sufficiently detailed. Any insurer would have rejected your MRU claim given that it was submitted when there had been no hospitalization. They do not put claims aside and wait to see if a hospitalization later materializes. They just check to see if (1) you have the optional outpatient cover (no) and (2) if not, if there has been an approved hospitalization within 30 days. The error was in the claims submission, should not have been submitted until after the hospitalization. At which point should be submitted together with claim for any home medications and post-op follow up. You can re-submit after hospitalization accordingly, if it occurs within the 30 day window. As explained, brokers can handle claims for reimbursement of out of pocket costs but cannot handle pre0authorization for hospitalization and direct payment agreement. They can help follow up if there is a delay in processing but it is always the hospital that has to make the submission.
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Stilts. (Or don't but at all which would be best advice. Note that Flooding on the whole keeps getting worse here). And see if there is scope for creating some sloping channels for water run off a2ay ftom the hoysr. Do not assume lack of neighbors/privacy makes the land valuable. Often the reverse is true in Thailand. Thais do not like to live far from other houses...and will consider far to be anything not in clear earshot.
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New insurance requirement is coming ?
Sheryl replied to federicoP's topic in Thai Visas, Residency, and Work Permits
It is possible to get travel insurance at any age. That said, it is not required for entry. The requirements Anutin mentioned were in place during COVID restrictions but dropped many months ago. He has made a number of completely untrue public statements about why there is no need for retrictions on incoming Chinese (e.g that they are all vaccinated and that China tests people befre departure...neither of which is the case). Ignore. -
Where in Thailand are you?
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His condition (TB and pneumonia) is potentially curable and there is no indication he is particulatly old. 20 years working in Thailand, could easily be in his 50's or 60's. We do not have enough information yet (and perhaps too soon for anyone to know) to conclude his condition is terminal. Might be, might not be.
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What do I need to come to Thailand
Sheryl replied to juice777's topic in Thai Visas, Residency, and Work Permits
No special requirements. You will get 45 day visa exempt entry. -
10 year visa - this might actually work
Sheryl replied to ExpatOilWorker's topic in Cambodia Visa and Immigration
Requirement is US $100,000 investment in Cambodia -
Brokers are never able to initiate request for pre-authorization of hospitalization. That can only be done by the hospital and there are specific (and pretty detailed) forms and information that the hospital has to submit. Broker can only help follow up if there is a delay in processing. Broker does often help submit paperwork for after the fact reimbursement and sounds like that is what they were doing ... but should not/cannot be done now. Normally one waits until after the hospitalization then submits the pre and post op invoices etc to broker to claim reimbursement. The claim does not have to be made within 30 days. But the invoice and services need to have been dated not more than 30 days before hospitalization. Sounds like massive miscommunication.
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I am suggesting an opthalmologist for both prescription (or checking if current prescription is correct) AND ruling out other underlying conditions. I have never had a problem getting a prescription from an opthalmologist.
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I can't find the receipt but I think it was something in the vicinity of 5,000 baht for the FNA including pathology. This is not including the ultrasound, that was another almost 4,000 baht (which seemed high to me). And then consultation fee of doctor, maybe another 1000. No blood test was required but I already had results of a recent thyroid panel. This was at Bangkok Hospital, Bangkok. No way should an FNA alone cost 17K. Have you already had ultrasound?
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If you have not contacted them, how can they even know about, let alone help resolve, the problem? Brokers have means of contacting insurers that we mortals lack. They can find out quickly what it is that is causing the delay. If it is information needed from the hospital, they can find out what, so that you can then follow up with the hospital specifically. (Assume nothing when dealing with the hospital insurance people). The 30 day bit is very clearly spelled out in the deatiled schedule of benefits: "Outpatient consultations, treatments, diagnostic tests and medical procedures related to hospitalisation/outpatient surgery 30 days before and after hospitalisation (hospital certificate required)" - 100% covered Can't fault a broker for assuming people have read that. There are likely other things on that schedule as well that they did not describe or emphasize, since it is there in easy to read format. I have had 2 day surgeries paid for by April including, in both cases, consultations and MRIs done prior (within 30 days of course) and outpatient follow up within 30 days after. To be fair, in both cases I elected to skip getting pre-authorization because the surgery itself cost under US $2,000 (the threshold for needing pre-authorization) and I was in a lot of pain and did not want to wait. So I did not go through pre-authorization process for day surgeries with April, though I have twice gone through pre-authorization for inpatient care. Your biopsy may well exceed that amount in which case that is not an option. Also, be forewarned that reimbursement of out of pocket expenses is slow. One advantage of the reimbursement approach is that the detailed receipts and medical certificate make clear what was done and that it involved use of an OR. Who knows what Bumrungrad put on the forms they submitted.
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Do you really mean outpatient, or do you mean inpatient? A thyroid FNA (which I recently had) is a simple office procedure. Only a policy that covers general outpatient care (which few of us have) would cover that. I paid for my FNA completely out of pocket. Wasn't all that costly. A "day surgery" would be something requiring use of an operating room or equivalent and at least a brief period of observation afterwards. Not something done in doctor's office or adjacent treatment room.