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Mandatory health insurance for non-immigrant O-A retirement visa holders likely to take effect in July


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Posted
3 minutes ago, KhaoYai said:

Don't be silly, they can't be upsetting those cash cows, sorry, tourists. Let's blame all the ex pats in Thailand for the millions of baht that it costs to treat tourists who've got involved in accidents/fights/drunken stupidity, been taken to hospital, then failed to pay.

 

All this non payment business is news to me, I don't see how its possible.  In 2011 I was involved in a serious accident, I was unconscious, losing a lot of blood and apparently was minutes away from 'shuffling off this mortal coil' - I needed blood fast. When I regained consciousness I learned that my ex M.I.L had to produce her credit card at St Louis Hospital, Sathorn before they would give me a transfusion! My ex wife was then sent out with my ATM card to obtain further funds which they wanted as a deposit before admitting me. I'd even been taken to hospital in the back of a passer by's pick up truck as the ambulance that turned up wanted details of my insurance company before they'd take me - quite how an unconscious man was supposed to produce his insurance, I know not.

 

2016, Bankgok Hospital, Korat wanted 20,000 baht deposit and proof of my ability to pay the balance before they would admit my ex Mrs for an 'emergency' operation.

 

How do people fail to pay?
 

Don't get me started on St Louis. I have zero kind words!

  • Like 1
Posted
4 minutes ago, KhaoYai said:

Possibly because they want to know why they need insurance AND 400,000 in the bank.

For O-A visa there is no requirement to hold Thai baht in a Thai bank.

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Posted
9 hours ago, Pattaya46 said:

I struggle to understand all the figures given in this article ??

Mainly:

Surely that is fully incorrect. I would bet tens or hundreds thousands at max, no?

WE know they cant count let alone do mental arithmetic, every time you buy something they bring out a calculator. Bringing the new system in July will give them half a years practice to get the same storyt at immigration LOL; so they will turn high season into low season; fantastic.

  • Like 1
Posted (edited)

I have Tricare for Life, I mention this a few times now.  Seems like only a few retired American military here.  But I pay 25% of the bill both inpatient and outpatient up to a max of $3,000 which is around 95,000 baht.  After I met that max I pay nothing for the remainder of the year.  I had this happen around 6 times in the last 13 years.  Also, a few of the big international hospitals here will fill your claim and only charge you the 25% and Tricare pays them the amount due.  If I need insurance here it would add close to the amount of my deductible.  Before 1 July I need to know if these people at immigration will accept this.  They should extend the start to January next year and not push us to get it done in a month and a half.  

Edited by Mango Bob
  • Like 2
Posted (edited)
10 hours ago, snoop1130 said:

“We will ask the Immigration Bureau, the Foreign Ministry and the Insurance Department for additional details and implementation guidelines next week,”

Should be an interesting meeting,

immigration can finally explain to the ministry of Health that they do not issue, renew or extend visa's, embassies issue them and nobody extends or renews visa's. Immigration can also explain that they issue "permission to stay" and "extension of stay" stamps. And that extension of stay stamps are not extensions or renewals of Visa's.

 

I imagine immigration may have to say it several times and very slowly.

Edited by Peterw42
  • Like 2
Posted
10 hours ago, Denim said:

I assume these statistics are from government hospitals.

 

With private ones unless you show the ability to pay you are not likely to pass go.

 

Certainly, when I was admitted for 4 days the waiting room was chocker with sickly looking falangs and half a dozen receptionists trying to phone overseas insurance companies to confirm the policies  were up to date and correct. Very undignified if you are on deaths door.

My first memory of getting royally upset with medical care was when we took my Uncle Bill to the hospital (treatment diagnosis = heart attack) and before he could be seen, he had to fill out the insurance claim and medical liability releases. That was in a country without a national healthcare scheme ... USA in 1970s. 

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Posted

 

4 minutes ago, pollyog said:

Why oh why can't they offer a sensible alternative to those of us who have self-funded in the past and would prefer to do so, by enforcing another bank account holding with 500,000 ThB per person - more than the stupid compulsory insurance level - that can only be used for medical treatment.  Since 400K insurance wouldn't cover much in the event of a really serious problem and we'd have to pay the rest ourselves anyway, this would make a lot of sense. 

The original announcement does mention implementing a cash deposit scheme for those who cant get (or dont want) insurance.

  • Like 2
Posted
3 hours ago, AYJAYDEE said:

what they put in pays for the services they receive. health care is an extra that has to be paid for.

 

Yes ok, I would differ on that, but what're your thoughts on the statistics in the OP? Maybe your rosie spectacles filter that out.

  • Like 1
Posted
No requirement for money in a Thai bank account ?

Yup, with the OA the 800/65k requirements can be in your home country bank.
Plus, you can get 2 years from an OA !

That’s 2 years avoiding the Thai financial requirements !!, then go back home and get another !!
The OA was looking as a great option until the Thais noticed !! [emoji51]
  • Like 2
Posted (edited)
46 minutes ago, Destiny1990 said:

Example...

 

a farang crosses the road at a zebra crossing.

A drunk Thai pick up driver smashes into him resulting in 2 broken legs and a skull fracture for the farang so  he gets admitted in a hospital.

Driver admits responsibility but has not insurance..

Are these the cases that hospitals blaming on foreigners for not paying their hospital bills?

All vehicles have compulsory 3rd party person insurance, PorLor Bor insurance paid when you get the annual sticker. This insurance pays out no matter what even if driver has no license, drunk etc. Your home country would have a similar compulsory coverage, in Australia for example its called CTP insurance.

I get your point though, a big accident above what the insurance pays probably does account for some of the unpaid.

Edited by Peterw42
  • Sad 1
Posted

These are some of the questions that cannot be answered.
What is going to happen will happen whatever the wrong figures and maths.


Sent from my iPhone using Thaivisa Connect

Posted
  •  
  13 minutes ago, pollyog said:

Why oh why can't they offer a sensible alternative to those of us who have self-funded in the past and would prefer to do so, by enforcing another bank account holding with 500,000 ThB per person - more than the stupid compulsory insurance level - that can only be used for medical treatment.  Since 400K insurance wouldn't cover much in the event of a really serious problem and we'd have to pay the rest ourselves anyway, this would make a lot of sense. 

The original announcement does mention implementing a cash deposit scheme for those who cant get (or dont want) insurance.

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