bojo

6 minutes ago, Sheryl said:

 

The problem may have been with what the hospital put on the relevant forms.

 

Not always the case, but it often is, that the fault is with the hospital not the insurer. Thai hospitals are incredibly bad at dealing with insurance reimbursement. Even the pricey large "international" hospitals -- which have departments exclusively to handle 3rd party reimbursment -- will submit claims that are insufficiently detailed or unclear, or fail to use necessary language etc. And they don't seem to learn by experience, either.

 

Government hospitals and upcountry private hospitals which do not have 3rd party reimbursement departments are going to be even worse. Many send in nothing but the hospital bill, and not always a detailed bill at that. Insurers need specific information (including, in the case of a PA policy, that the care provided was linked to an accident and details of that accident).  Many have their own specifc forms that need to be fully filled out.

 

Not at all unusual for a hospital to submit something totally inadequate to an insurer, get a request for resubmission with more detail, and then rather than following up (a process which will likely require -- horror of horrors! -- asking questions of the medical staff )  just tell the patient that "insurance did not pay". And a surprising number of patients then pay themselves without investigating the issue to find out what was going on. Which of course encourages the hospital staff to keep using this dodge to reduce work load/avoid having to involve their superiors or ask questions of people they are kreng jai of.

 

My advice: whenever faced with this (assuming you have read the policy and the claim should be covered under its terms) is: do not readily pay the hospital...not even for a small amount, it sets a bad precedant. Rather tell them that assuming they have provided all necessary information requested by the insurance company, then the insurance company is in violation and you are going to appeal this to the OIC,  and ask them to provide copies of all the communications with the insurance company to proof this is the case. Often this request will magically "fix" the situation as  the hospital will go back to  the insurer with the needed information.

Great advice and very detailed info as to why these situations occur, you've certainly highlighted the truth I'm sure...........................................but in reality, when the hospital is demanding payment and you're understanably in a hurry to go home, having a stand off under pressure, especially on foreign turf, is easier said than done.....................................

4 minutes ago, blackprince said:

The reason I posted my experience is that i get <deleted> <deleted> by the <deleted> <deleted> posts from people who assume their bad experiences here are typical of Thailand. Their bad experience here is their experience, certainly not mine.

 

I have already explained why there's no point in talking further about my insurance policy - because the offer closed around 14 years ago.

 

 

That may be the case for some posters who like to reply, but with you opening up with a positive, you give genuine people (who often just read posts and info and don't post pointless or antagonistic replies) hope and then it's subsequently taken away from them, so I'm unsure why you would make the post in the first place............................

1 minute ago, Chris.B said:

His post was probably BS, the only explanation. 

Personally, I believe i's true.................

2 hours ago, blackprince said:

I subscribed to the offer 15 years ago. The application period lasted for 6 months.

 

I'm a bit suprised you don't see fit to answer the OP the same question.

 

If you're scared of the libel laws here, you could PM him/her.

I enjoy this forum as for the most part members like to help one another, at least that has been my experience..............do you have anything to lose by sharing? If that's the case, I get it....... I'm sure many would appreciate it if you could share your experience, at least explain how/why you had a great result since you opened up about it in the thread, otherwise, I'm unsure as to why you would mention it in the first place...?

I would assume that they would all go into quarantine if travelling together as would the other passengers sitting in close proximity on the plane...................................

31 minutes ago, TallGuyJohninBKK said:

So, anyone got a substitute favorite BBQ place in lieu of GARC and Pitbull???

 

Sounds like someone could step into this niche............................In the UK, these fairly new trending Bbq places are doing an absolute storm, queues out the door style and they're not cheap...............................

Just now, theoldgit said:

 

It's been many years since the UK Embassy here were involved in the renewal of passports, I last renewed mine in 2013 and that was done via Hong Kong. 

Thanks OG,............My last BKK one was in 2007 and then I remember hearing about HK subsequently. Been back in UK for a few years now, but will return to Thailand soon..................My question really to the forum is................can you while residing in the Kingdom, apply from Thailand yourself for a new passport in HK easily, without the use of any agents.........?

6 minutes ago, it is what it is said:

thailand's vaccination programme is still well behind the curve and they, probably with justification, are worried about whether their health care system could cope with a large number of covid cases.

Eloquently put...........................................

1 minute ago, CG1 Blue said:

The risk of testing positive on arrival and being sent to quarantine will put off most tourists.

Absolutely, but I'm not sure there is a disclaimer/small print/info in the public domain of sorts when applying that this scenario could pan out..................................let alone have to pay for it oneself...............jeez

6 minutes ago, Mac Mickmanus said:

I dont think that the British Embassy deals with passport renewals anymore 

OK, thanks for input...........good to know..................very surprised tho.........................

Maybe I'm outa touch, but with all this 'agent chat'........................  if residing in the Kingdom, can you not just send off an application to the UK embassy in BKK anymore?

21 minutes ago, GeorgeCross said:

you spelt "simple" wrong ????

 

you're on fire.............................!!

I was under the impression that bicycles with Bangkok Airways had to go 'Cargo', but not according to this link..............regardless, PG domestic Cargo is very affordable in Thailand...................................

https://www.bangkokair.com/special-baggage/bicycle

9 minutes ago, terryofcrete said:

Oh is there any tea worse that than Liptons ! In Ireland Liptons entered the market some years ago and said with their expertise and know how the would be the number one tea in Ireland... they we're gone with their tails between their legs in less than a year,.. lol...

so that's where it's all come from..........................repackaged from Emerald isle.....!

16 minutes ago, seedy said:

Without more info this case - for or against - is impossible to judge.

and even with the facts, a complete minefield........................

53 minutes ago, Will B Good said:

Early grey and cucumber sandwiches might be all that is on offer eventually.

Just as long as it's not Liptons..........and they don't cut the crusts off .............................................!

2 minutes ago, steven100 said:

you mean some old fart who can't mind his own business, food sharing lol ..... I wouldn't eat anything that some old geeeeza hands me that's for sure,  culinary treats hahaha ....   vendors with buckets of cr_p that likely harbors ecoli and steplocoliste,  and the clickety clack is the trains wheels almost falling off due to it's age and no maintenance .... and how can anyone drift off if being shaken and banged for 10 hours ...    Lol

wow, sounds like your experiences and take on things are certainly different from mine....................

18 hours ago, Tropposurfer said:

Its always nice to acknowledge the concept of kindness and deference in Asian societies and as it is Thai styled. Take a nice gift basket of cookies or a home made cake even better to  the local offices and discretely gift this to all for their coffee break. Then return a few days later and ask quietly and respectfully if a sit-down can be had with your Thai support to translate and observe cultural protocols.

I used to, still do at license renew times etc take a cookie gift basket to the DOT offices in Phuket and give this as a thank you and kindness. They love me and take great care of me every time I go there ☺️

The art of gift giving is something I learnt in Thailand, multiple benefits regardless of underlying intentions........works a treat and one has nothing to lose, save for the price of the gift and for those that haven't tried it........it feels good too.....................................

That's a real nice looking machine in my eyes...........................

Any overnight long distance train journey on Thai trains is a pleasure, that's if you're not in a hurry and are an old romantic.......................You always meet loadsa folk, up for a chat, with good old fashioned Thai hospitality food sharing, a few vendors selling their culinary treats and the 'clickety clack' as you drift off, together with the early morning expectation of where you're headed.............................Just perfect IMO..............

On 11/14/2021 at 7:24 PM, Jingthing said:

Did you find the crying authentic or totally staged and fake?

Completely fake IMO..........................I'm sure the whole world can see that too, any behavioural science expert/body language profiler would see straight though him.......................................

1 minute ago, Jeffr2 said:

Police are getting away with too many murders now

One would have thought that after the Chauvin trial, that the message would be getting though............................... I mean surely he's in for some serious punishment??, nobody would want to be in his shoes that's for sure........................................I'm not from the US and no nothing about different state laws etc, so......................................................

18 hours ago, OneeyedJohn said:

So now if I do eventually get this letter with that <deleted> number I have to phone the UK again and ask them to unlock my account, or at least that is my best hope.,

You WILL get that letter and whoever will open it for you will give you the info/codes etc and as posters have suggested, I especially liked the last post 'mytello' one, ..................................you can give them a call back at lttle cost to yourself and get it all sorted.......job done....................................