Social Security Card - What does it cover?

[tinribzzz]

Hello, I have a question regarding the social security I have with my school.

 

I used to have proper travel insurance from the U.K. but instead of renewing it I opted to pay in for the social security with my school (private school). I have read a horror story of a male not able to pay his medical bills who was uninsured, this has obviously gotten me a little concerned.

 

What am I covered for under the social security card? If an emergency happened that racked up a medical bill of + a million baht would I be covered?

 

Thanks in advance.

[Sheryl]

You are covered for pretty much everything, excluding only drugs and tests that are not on the Ministry of Public Health's drug list, cosmetic procedures etc. . There is no limit to the amount.

 

But your coverage is limited to the hospital where you are registered or to another facility that they refer you to in case they are unable to provide the care needed. This is the main drawback otherwise it is excellent insurance. In an absolute emergency where it is nto possible to reach the hospital you are registered at you can receive treatment anywhere but private hospitals have been known to try to refuse to be reimbursed by social security and to charge people. If that should happen, DO NOT pay anything nor sign an agreement to pay, call the SS office instead.

 

The emergency care provision is for maximum 72 hours, after that you need to be transported back to the hospital were you are registered.

 

However, make sure that what you have is social security health cover as under the Social Security law, private schools are exempt.

[tinribzzz]

3 hours ago, Sheryl said:

You are covered for pretty much everything, excluding only drugs and tests that are not on the Ministry of Public Health's drug list, cosmetic procedures etc. . There is no limit to the amount.

 

But your coverage is limited to the hospital where you are registered or to another facility that they refer you to in case they are unable to provide the care needed. This is the main drawback otherwise it is excellent insurance. In an absolute emergency where it is nto possible to reach the hospital you are registered at you can receive treatment anywhere but private hospitals have been known to try to refuse to be reimbursed by social security and to charge people. If that should happen, DO NOT pay anything nor sign an agreement to pay, call the SS office instead.

 

The emergency care provision is for maximum 72 hours, after that you need to be transported back to the hospital were you are registered.

 

However, make sure that what you have is social security health cover as under the Social Security law, private schools are exempt.

Very informative response. I will inform the rest of the staff here. I believe it is social security but I pay for it out of my own wage. It's a small blue paper piece of card.

[Sheryl]

You are very fortunate if so. Many private schools opt out and instead privide private health insurance at levels so low as to be almost worthless. Unfortunately the law lets them do this.

Make sure you know what hospital you are registered at and if it is not a large one consider changing. There is usually a choice and it is possible to change during 2 periods a year.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

[tinribzzz]

1 minute ago, Sheryl said:

You are very fortunate if so. Many private schools opt out and instead privide private health insurance at levels so low as to be almost worthless. Unfortunately the law lets them do this.

Make sure you know what hospital you are registered at and if it is not a large one consider changing. There is usually a choice and it is possible to change during 2 periods a year.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

Thanks again Sheryl, one further question if you don't mind? Would it cover for being a passenger on a motorcycle.

[TerryLH]

How much do you pay for the insurance?  For anyone making at least 15k a month, it should be 750 baht a month for the insurance.  Your employer would also be paying the same amount.

 

 

1 minute ago, Sheryl said:

Many private schools opt out and instead privide private health insurance

I don't think they have a choice.  (See (you)r post #2)

[Sheryl]

I believe in motor vehicle accidents the compulsory 5hird party insurance is supposed to pay.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

[tinribzzz]

3 minutes ago, TerryLH said:

How much do you pay for the insurance?  For anyone making at least 15k a month, it should be 750 baht a month for the insurance.  Your employer would also be paying the same amount.

 

 

I don't think they have a choice.  (See (you)r post #2)

Hello Terry, I pay 750 baht a month yes. I just want to make sure I am some what insured. Small hospital bills of a couple thousand are fine, it's just safe keeping for circumstances I cannot predict.

[ksamuiguy]

Great insurance, well worth the price keep it and feel secure if treatment is needed.

I have used mine on several occasions and "It Works"

[tinribzzz]

18 hours ago, ksamuiguy said:

Great insurance, well worth the price keep it and feel secure if treatment is needed.

I have used mine on several occasions and "It Works"

 

Excellent. Thank you for the helpful response.