Sheryl

Thai companies are more ikely to refuse to insure people with pre-existing conditions than international ones (though the latter will likely apply exclusions). If you can get a Thai policy you can get an international one. If under 65 there are many more options than just Cigna. You should work with a good broker. Worst case scenario, if no one will insure you, get the best accident insurance you can and put aside as much cash as you can as self insurance -- and plan on using government hospitals for anything major.

You do not need a referral from elsewhere. MOST specialty clinics can be directly Siriraj has dual pricing. I don't know if Chula does or not. Siriraj has s private wing where you can directly access the top specialists (in public channel you will deal mostly with interns and residents, and doctors have limited time per patient). But prices are on par with mid range private hospitals. Chula has an "after hours" clinic where you can also directly see senior doctors and it is reasonable in cost (but of course stillmore than the public channel).

Was your olicy with Cigna Global or Cigna Thailand? Sounds like the latter.

You need a lot more than an alternative tablet. You need a through evaluation by a better doctor. Where in Thailand are you located?

I would be very, very surprised if the policy does not contain language allowing the company to raise rates based on claims history. That language is standard in Thai health insurance policies. Raising premiums after someone had a claim enables the insurer to recoup at least part of their payout, maximizing their profits. Since Thailand (unlike most western countries) allows this practice, hard to imagine why a Thai insurer would not do this.

It depends on the size of the claim, type of problem and the insurer. They are allowed under thai regs to increase by as much as 25% each year based on claims history. And they are nto required to drop the premium back down. The big problem comes as one gets older, claims start to get more frequent and these 25% rises on top of what are already increased premiums due to age can rapidly add up. I have seen a lot of people totally priced out this way, at an age and state of health where they have no chance to change companies, and where it is also hard to relocate back to farangland (though some have simply had to). This is why I do not recommend Thai companies for people planning to live out the rest if their lives here. For someone younger and here temporarily, can be OK.

Not if there is no identifiable cause of the pain in the tooth, which seems to be the case here.

No infection has been identified. More than one dentist has examined and found the tooth healthy, no infection, no problem. Either they both missed something, or there is no indication for extraction and indeed the pain may be due to something else like TMJ trauma from earlier dental work. Either way he needs to see another, better dentist

An ethical dentist will indeed not pull out a healthy tooth. Extraction has long term consequences for your other teeth. It is also possible that your pain & discomfort is not from the tooth itself but other cause. It is not unusual to have TMJ pain after lengthy dental work, for example. In which case extraction not only would nto help, but would further aggravate the pain. Where in Thailand are you located?

That is inaccurate. (though widely misreported this way). I did work on this for WHO and went into depth into Lao laws. There was never a law stating that abortion was illegal except to save a woman's life. The criminal code does not define the circumstances under which abortion is or is not legal, but rather just lists penalties for “illegal abortion”. Abortion is legal if government authorities approve it and otherwise not. Government hospitals receive requests for abortions and grant some of them. As of when I researched this in 2013, the level of decision-making differed from province to province, in some cases resting within the hospital and in others involving local authorities, and there was a lack of uniformity in criteria applied. I was told verbally that this was in some manner addressed later on, I don't know how - could have been just internal Ministry of Health circular.

It was already legal on demand up to 12 weeks. This new law expands it to 20 weeks

Actually I believe Laos has recently liberalized its rules.

Up to what age do they accept new applications? And do they guarantee lifetime renewal? Note that this is a Thai company and thus under Thai insurance regs. So they can make individual upward adjustments to your premiums (on top of age related increases) based on claims.

I frankly doubt doctor at either Samitivej or Bumrungrad will agree to PRP fr your condition as it simply is not indicated/proven to work for that. I am sure they do HA at Samitivej. But the very best knee doctor is at Bumrungrad,

Rehabilitation services tend to be weak in Thailand and Hua Hin is something of a backwater medically speaking. To get real speech therapy from a therapist fluent in English, your brother is going to need to go elsewhere. Are there friends/family in Bangkok he could stay with? Alternatively, there is a very good rehab hospital in the north of Thailand where he could be admitted fro a while. They also have facilities where he could live and get part time care. He'd have to travel up there by plane or train. https://mckean.or.th/mckean-senior-care-hospital/ https://mckean.or.th/dok-kaew-gardens/ Is a return to his home country for rehab a possibility?

Your poor experience is not related to being on social security but rather to your specific nominated hospital. Which you can, and should, change. Ask your local SS office for a list of hospitals accepting new SS enrollments.

https://www.yanhee.net/cosmetic-services/varicose-vein-treatment/ Cost will depend on type of treatment and that in turn depends on detailed assessment of the varicosities.

On the insurance form, just answer the questions asked, truthfully. Not all insurers ask about prior denials. However I advised you to tell the broker so that she would be alerted to your situation and better able to advise you - possibly she might know of a better insurer to try, or know if there is any chanceApril would accept someonewho had cancer, etc etc. Broker is not going to separately share any details with the insurer

HA injections can be given at any stage though benefit will be more if things have not advanced to to the point where it is just bone on bone. The best way to get an answer specific to your situation to that is to consult a specialist. Which you will have to do anyway in order to get the injections.

I have never seen a travel policy which guaranteed treatment abroad vs bringing the patient home and AFAIK there is nothing in any country's insurance regulations that requires it. If an insurer were proposing something not in the patient's best interests medically then there would be recourse but there is none on grounds of personal preference. Case in point: someone with travel insurance broke his leg. Complicated fracture requiring noth immediate stabilization/ casting and subsequent surgeries. His insurance paid for the initial care and then insisted he return to his home country for the rest, with the insurer paying the added travel costs (change of return flight date with upgrade to business class to better accommodate the cast etc). The patient was unhappy because he wanted to stay in Thailand and get all his care there. He didn't however have a case and would not in any jurisdiction because what the insurer oroposed was medically safe and met their responsibility.

Ostenil and Hyruan are both HA. Both of them come in 2 forms: regular requiring a series of 3 shots (once a week) and single dose. This price list seems to show a regular preparation of Ostenil and the single dose preparion of Hyruan. In terms of cost it is unclear if the price listed fo Ostenil is per injection or for the course of 3 injections (though probably the latter). It is also unclear if doctor fee is included. If it not then the single dose will be less expensive. If it is included then the 3 dose series is less expensive but not by very much. I am not aware of any data showing one brand to be better than the other but a knee specialist might know more . In terms of 3 dose vs single dose, studies I have seen indicate equal results initially but wearing off a little sooner for the single dose. In any event you can't just make an appointment for these injections. You must first have a consultation with an ortho specialist. And it is this doctor who would administer the injection. I suggest you consult Dr. Panya, an eminent knee specialist there. Bring your most recent xrays with you. He can advise further on pros and cons of single dose vs 3 dose series.

Would not be that as not an antifungal and appropriate for his need. Though I also do not know what he meant by metraconozole. Voriconazole is available here (though imported and expensive. Ditto posaconazole. And of course itraconazole though I some species of aspergillus are resistant.

As I said, the use of PRP for OA is at best experimental and many studies have failed to show benefit. I would suggest you just get HA injection to start with rather than undergo the pain and considerab;e expense of something that may not even help.

There have been innumerable threads on this topic. Suggest you read https://aseannow.com/topic/1043051-trt-clinics-offers-vs-diy/ https://aseannow.com/topic/1049008-testosterone-replacement-in-bangkok/ https://aseannow.com/topic/1055664-cost-of-trt/ https://aseannow.com/topic/1258918-testosterone-enanthate-–-in-pattaya-or-bkk/ Just for starters, there are many mroe threads. plenty of TV members doing DIY TRT but there have been supply issues. Also plenty of TV members doing RT through Maximum Wellness clinics, Dr. Olivier, or other doctors.

https://www.bumrungrad.com/en/treatments/platelet-rich-plasma-prp-therapy https://www.samitivejhospitals.com/article/detail/platelet-rich-plasma Please note that PRP has been shown effective for Rheumatoid Arthritis and to speed healing after joint injuries. It's efficacy for osteoarthritis is debatable with many studies showing no effect. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6383098/ The injections are painful (not possible to combine with a local anesthetic) and the treatment will be quite expensive If the problem is osteoarthritis you would be better advised IMO to look into HA injections. But if this is for an orthopedic injury that is not healing well with standard treatment, might be worth considering