Better insurance Higher deductible

[marcusarelus]

The better health insurance policies with a multi million baht per episode maximum are obviously better than the 400,000/40 mandatory health insurance.

But, since there is a 40,50 or higher deductible there would not be 40k outpatient as that would be paid by the patient and not the insurance company.  How will 

the insurance companies explain this to Thai Immigration?  Or, will these better policies just be ignored and the useless 400,000/40k be made mandatory? 

[BestB]

Insurance companies will gladly make this kind of policy to sell as no one in their right mind would take one out otherwise.

 

400 000 baht policy is a joke.

 

Insurance companies are well aware OPD is cheap and inpatient will run double if not triple .

 

Payout is NOT Per episode but per year.

 

I foresee new policies being sold for around 20 000-30 000 baht, a money maker for insurance companies.

 

[marcusarelus]

54 minutes ago, BestB said:

Insurance companies will gladly make this kind of policy to sell as no one in their right mind would take one out otherwise.

 

400 000 baht policy is a joke.

 

Insurance companies are well aware OPD is cheap and inpatient will run double if not triple .

 

Payout is NOT Per episode but per year.

 

I foresee new policies being sold for around 20 000-30 000 baht, a money maker for insurance companies.

 

Isn't health insurance sold by brokers who could advise one on the best policy choices? 

[BestB]

6 minutes ago, marcusarelus said:

Isn't health insurance sold by brokers who could advise one on the best policy choices? 

is this a troll question, or you genuinely do not know how insurance works?

[HuskerDo]

1 hour ago, BestB said:

Insurance companies will gladly make this kind of policy to sell as no one in their right mind would take one out otherwise.

 

400 000 baht policy is a joke.

 

Insurance companies are well aware OPD is cheap and inpatient will run double if not triple .

 

Payout is NOT Per episode but per year.

 

I foresee new policies being sold for around 20 000-30 000 baht, a money maker for insurance companies. 

 

"I foresee new policies being sold for around 20 000-30 000 baht, a money maker for insurance companies."

 

Thanks BB. This is minimal cost. Thanks for the information.

 

[BestB]

3 minutes ago, HuskerDo said:

"I foresee new policies being sold for around 20 000-30 000 baht, a money maker for insurance companies."

 

Thanks BB. This is minimal cost. Thanks for the information.

 

Look at it this way, currently a decent proper insurance health policy that pays out 20-30 million per year for a 55 year old would cost around 70 000 baht and that inpatient only, for OPD add another 20 000 or so.

 

So for such a minimal cover, to include both IPD and ODP, most logical would be to make it around 20 000, sounds affordable.yet covers very little in comparison to full policy, 10% off what full policy would cover.

[marcusarelus]

9 hours ago, BestB said:

is this a troll question, or you genuinely do not know how insurance works?

Since my health care has been VA and cash and an AIA health policy I really don't know much about it.  It strikes me that the better policies have a higher deductible that would preclude 40k outpatient coverage hence this thread.

Edited May 28, 2019 by marcusarelus

[stevenl]

This means the insurance in question does not meet the requirements for a O-A visa application. No need for anybody to explain anything, it simply is not as required.

[BestB]

3 hours ago, marcusarelus said:

Since my health care has been VA and cash and an AIA health policy I really don't know much about it.  It strikes me that the better policies have a higher deductible that would preclude 40k outpatient coverage hence this thread.

Better policies have higher premiums . The only thing deductible does is reduces the premium.

 

better policies payouts are 20-60 million baht per year , the required is only 400 000. Accident insurance pays more.

 

To make it simple.  You break your leg, need a surgery , in bkk hospital that’s almost 400 000. Which means whatever else happens same year it is no longer covered until the next billing year but again max 400 000 per year.

 

basically it’s a really crap policy, no one in their right mind would take one out if want to be treated in private hospital.

 

your AIA as I explained before is NOT health insurance policy but an accident policy. AIA does not cover over 70. 

 

AiA proper health plans are on par if not more expansive than international companies , ie for a 70 year old at least 120000 per year with few that actually cover the age bracket 

 

Now most important part . From my understating immigration requires you to have the very least this 400 000 baht policy. If you were to show your full health insurance , I doubt they would examine if it covered OPD, or would demand you take out low payout policy 

 

this new rule is aimed for those who have no cover at all. 

Edited May 28, 2019 by BestB

[BritManToo]

11 minutes ago, BestB said:

To make it simple.  You break your leg, need a surgery , in bkk hospital that’s almost 400 000. Which means whatever else happens same year it is no longer covered until the next billing year but again max 400 000 per year.

In a government hospital nearer 20Kbht.

Nobody forces you to choose the most expensive hospital in the country for all your treatment.

[BestB]

34 minutes ago, BritManToo said:

In a government hospital nearer 20Kbht.

Nobody forces you to choose the most expensive hospital in the country for all your treatment.

Yup, though one would think the whole point of having insurance is to be treated in a private hospital ????

[BritManToo]

Just now, BestB said:

Yup, though one would think the whole point of having insurance is to be treated in a private hospital ????

I thought the idea was to be treated full stop.

If I were broken and bleeding, the nearest that could fix me up would do me.

At my last three medical emergencies (April/May), the government hospital did a fine job and saved my life (3x).

 

 

[geoffbezoz]

5 minutes ago, BritManToo said:

I thought the idea was to be treated full stop.

If I were broken and bleeding, the nearest that could fix me up would do me.

At my last three medical emergencies (April/May), the government hospital did a fine job and saved my life (3x).

 

 

Exactly true.  High fees paid to a private hospital is no guarantee you will have a higher chance to live. It just means you may die in a better decorated room. The ethics of doctors and nurses are the same the world over.

[wotsdermatter]

Best policy I found in Toronto was online.  The company will insure up to 80 years old.  For me, 78 years old, they would provide health insurance up to CAD500,000 per annum for a cost of CAD 1,470 for one year.  However, that was only for outpatient care.  In hospital care, including bed, food, all medical services (operations, medication, ambulance, etc.) were not included and they did not specify how long or how much that could be.  Medivac was not included either.

'nuf sed.

[marcusarelus]

2 hours ago, BestB said:

 

your AIA as I explained before is NOT health insurance policy but an accident policy. AIA does not cover over 70. 

 

My AIA is most certainly health insurance and it most certainly does cover over 70.  Why post if you don't know what you are talking about?  I think that's it below.  Check the age. 

Edited May 28, 2019 by marcusarelus

[147SAG]

1 hour ago, wotsdermatter said:

Best policy I found in Toronto was online.  The company will insure up to 80 years old.  For me, 78 years old, they would provide health insurance up to CAD500,000 per annum for a cost of CAD 1,470 for one year.  However, that was only for outpatient care.  In hospital care, including bed, food, all medical services (operations, medication, ambulance, etc.) were not included and they did not specify how long or how much that could be.  Medivac was not included either.

'nuf sed.

What company or send a link please.

[BestB]

1 hour ago, marcusarelus said:

My AIA is most certainly health insurance and it most certainly does cover over 70.  Why post if you don't know what you are talking about?  I think that's it below.  Check the age. 

You have AIA privilege card right?

[marcusarelus]

6 minutes ago, BestB said:

You have AIA privilege card right?

Yes, why?

[BestB]

Just now, marcusarelus said:

Yes, why?

AIA Privilege Care Card is a privilege card that allows you to receive medical treatment due to an accident without having to make a reservation by yourself according to the amount covered by the policy.

 

https://www.aia.co.th/th/help-support/aia-privilege-carecard.html

[timendres]

2 hours ago, geoffbezoz said:

The ethics of doctors and nurses are the same the world over.

But skills and available technology do vary. For some needs, almost any hospital/doctor will do fine. For some, however, only the most capable hospitals/doctors make sense.

[geoffbezoz]

4 minutes ago, timendres said:

But skills and available technology do vary. For some needs, almost any hospital/doctor will do fine. For some, however, only the most capable hospitals/doctors make sense.

Well if you are insinuating that there are no government hospitals in Thailand capable of some of the most complex medical procedures, rather you would need to go to a private hospital, you are clearly in LaLa land yourself. Two members of my Thai extended family have undergone serious complex procedure in the last decade and are still living thanks to the Thai government medical care.  Frankly I seriously doubt they would have had more professional care anywhere.

However, it would be interesting if you could provide some supporting evidence that could identify which areas of Thai private hospitals  have more capable doctors and facilities than government hospitals.

[timendres]

4 minutes ago, geoffbezoz said:

Well if you are insinuating that there are no government hospitals in Thailand capable of some of the most complex medical procedures, rather you would need to go to a private hospital, you are clearly in LaLa land yourself. Two members of my Thai extended family have undergone serious complex procedure in the last decade and are still living thanks to the Thai government medical care.  Frankly I seriously doubt they would have had more professional care anywhere.

However, it would be interesting if you could provide some supporting evidence that could identify which areas of Thai private hospitals  have more capable doctors and facilities than government hospitals.

Simple enough. I recently needed cancer surgery that had some potential complications. I went to a number of hospitals and talked with numerous surgeons. Only one surgeon convinced me that he truly understood all of the variables and would perform the best surgery. Choosing this surgeon, of course, in turn meant selecting his hospital.

 

This surgeon was in a private hospital, but could just as easily have been in a government hospital. That was not my point. My point was that I sought the surgeon I felt most capable, in a hospital I felt had the facilities to support him. Hence the reason you did not see the words "private" or "government" in my original post.

[BestB]

3 hours ago, timendres said:

But skills and available technology do vary. For some needs, almost any hospital/doctor will do fine. For some, however, only the most capable hospitals/doctors make sense.

Most if not all docs in private hospitals speak good or almost fluent English . Many have worked overseas.

 

all nurses in private hospitals speak an ok English 

 

hardly any doctors in government hospitals speak any English , same goes for nurses.

 

i had shoulder surgery in private, mate had the very same surgery in government . My cost were double to his.

 

i was up and moving the next day , he spent 4 days in bed.

 

i have tiny , hardly noticeable scars, he has a massive scar

 

End result is the same , however getting there was very different and of course cosmetics as well

[marcusarelus]

12 minutes ago, BestB said:

Most if not all docs in private hospitals speak good or almost fluent English . Many have worked overseas.

 

all nurses in private hospitals speak an ok English 

 

hardly any doctors in government hospitals speak any English , same goes for nurses.

 

i had shoulder surgery in private, mate had the very same surgery in government . My cost were double to his.

 

i was up and moving the next day , he spent 4 days in bed.

 

i have tiny , hardly noticeable scars, he has a massive scar

 

End result is the same , however getting there was very different and of course cosmetics as well

It has been my experience that few doctors in private hospitals speak adequate English and use the translation services available at the hospital and charge you for those services.  My experience based on BDMS out side of tourist areas. 

[BestB]

1 minute ago, marcusarelus said:

It has been my experience that few doctors in private hospitals speak adequate English and use the translation services available at the hospital and charge you for those services.  My experience based on BDMS out side of tourist areas. 

Have used Bangkok hospital Pattaya and Bangkok , samitivej both Bangkok and Chon , BNP and all docs spoke fluent English . 

 

2 surgeries , both surgeons worked Canada and Oz. 

 

Pattaya Inter and memorial I have to agree pretty crappy English , but then even though they charge as private , neither one is well equipped 

[marcusarelus]

6 minutes ago, BestB said:

Have used Bangkok hospital Pattaya and Bangkok , samitivej both Bangkok and Chon , BNP and all docs spoke fluent English . 

 

2 surgeries , both surgeons worked Canada and Oz. 

 

Pattaya Inter and memorial I have to agree pretty crappy English , but then even though they charge as private , neither one is well equipped 

I'd imagine that's true.  Not so outside of tourist areas. 

[topt]

On 5/28/2019 at 5:58 PM, BestB said:

Pattaya Inter and memorial I have to agree pretty crappy English ,

Not been my experience.

 

On 5/28/2019 at 5:58 PM, BestB said:

neither one is well equipped 

Could you expand on that please - equipped for/with what?

[marcusarelus]

9 minutes ago, topt said:

Not been my experience.

 

Could you expand on that please - equipped for/with what?

No Cath Lab that I know of.  So don't go if having stroke or heart attack.