Cost of 14 days in the hospital if I test positive on arrival?

[mitebbots]

I have my Thailand Pass in hand trip before end of December. 

 

about how much would the mandatory hospital stay cost me if I happen to test positive? 

 

I searched and couldn't find any other threads on this. 

 

I guess the same thing on the 7 day test, would be mandatory hospital stay. 

 

 

[scubascuba3]

Several months ago people posted on Facebook and it was hundreds of thousands even though zero symptoms, it's a money spinner

[Moonlover]

Isn't this why you're obliged to have Covid insurance? Surely that should cover it.

[lopburi3]

Another factor to consider is you do not have to test positive to be required to quarantine - being near anyone positive can trigger that - so you may want to look closely at hotel refund requirements as do not believe any insurance payments for that kind of a change.  Those that promote travel should be taking pains to shed light on such issues - but that does not seem to be the case.  But the old axiom of too many cooks comes to mind.

[robblok]

28 minutes ago, Moonlover said:

Isn't this why you're obliged to have Covid insurance? Surely that should cover it.

Indeed that is why there is insurance. So unless people are faking their insurance papers there should be no problem.

[lopburi3]

1 minute ago, robblok said:

Indeed that is why there is insurance. So unless people are faking their insurance papers there should be no problem.

Thai insurance?   There are indeed problems.  They have not been paying in a timely manner from press reports.  

[robblok]

2 minutes ago, lopburi3 said:

Thai insurance?   There are indeed problems.  They have not been paying in a timely manner from press reports.  

That is true, but are we not talking about tourists ? How would they get Thai insurance ? I think most people will NOT have Thai insurance. Sure the expats on this forum (especially pensioners) might have Thai insurance. But of the majority of foreigners id guess they have either expat insurance or something from their home country.

 

The Thai insurance companies indeed have not been paying in a timely manner even asking to not have to pay and that is scandalous. If you underwrite an insurance you must pay, keen to reap proffits but when you make an error you want the people to take that hit. That is not how things work if i pay my insurance (and thank god have not needed it) I dont get money back. So why would Thai insurers be let of the hook. So far that is not happening because it would damage the image of Thailand and trust in insurers. 

 

I am more worried about the 14 days locked up then my insurance  not paying. I wanted my parents to come but found it a bit risky for them. The rules change so fast (just look at what is happening now).

 

Anyway with a good insurance there should not be a problem. But i heard that some used false papers.

[BE88]

Who knows why I feel more and more like an exile in Thailand and less like an expatriate.

[Oxx]

1 hour ago, Moonlover said:

Isn't this why you're obliged to have Covid insurance? Surely that should cover it.

Why would Covid insurance cover it if you don't have Covid?

Very few policies would cover you if you didn't have the disease.

[Moonlover]

13 minutes ago, Oxx said:

1 hour ago, Moonlover said:

Isn't this why you're obliged to have Covid insurance? Surely that should cover it.

 

13 minutes ago, Oxx said:

Why would Covid insurance cover it if you don't have Covid?

Very few policies would cover you if you didn't have the disease.

Why would they be in a Covid isolation unit if they didn't have Covid?

[Dante99]

6 minutes ago, Moonlover said:

 

Why would they be in a Covid isolation unit if they didn't have Covid?

As stated many times, people get put in Covid isolation sometimes because they were near somebody who tested positive (like on a plane or taxi or van) even though they themselves did not test positive.  That seems to be the practice and not just in Thailand.

 

Why? as a preventative measure

[2long]

1 hour ago, robblok said:

That is true, but are we not talking about tourists ? How would they get Thai insurance ? I think most people will NOT have Thai insurance. Sure the expats on this forum (especially pensioners) might have Thai insurance. But of the majority of foreigners id guess they have either expat insurance or something from their home country.

 

The Thai insurance companies indeed have not been paying in a timely manner even asking to not have to pay and that is scandalous. If you underwrite an insurance you must pay, keen to reap proffits but when you make an error you want the people to take that hit. That is not how things work if i pay my insurance (and thank god have not needed it) I dont get money back. So why would Thai insurers be let of the hook. So far that is not happening because it would damage the image of Thailand and trust in insurers. 

 

I am more worried about the 14 days locked up then my insurance  not paying. I wanted my parents to come but found it a bit risky for them. The rules change so fast (just look at what is happening now).

 

Anyway with a good insurance there should not be a problem. But i heard that some used false papers.

My brother came two weeks ago on Test & Go. To get his Thai Pass he bought the insurance that was recommended on the application app/page. 2,250B for a month, I believe.

[robblok]

5 minutes ago, 2long said:

My brother came two weeks ago on Test & Go. To get his Thai Pass he bought the insurance that was recommended on the application app/page. 2,250B for a month, I believe.

Not too bad, i pay a bit more per month from an international insurer. But have been doing so since i moved to Thailand. IMHO having accurate insurance (or enough money) is a must. Especially in times like this when its not so easy to fly home for treatment (aimed at the people from the UK who are supposed to be able to do that).

 

Not so much in The Netherlands, i first need to get registered and then pay for healthcare insurance too (part is private part is public).

 

But the insurers that did not pay were not those kind of covid insurance ones. They were the ones that paid out 100k if one got covid even without symptoms. 

[Moonlover]

2 hours ago, Dante99 said:

1 hour ago, Moonlover said:

 

Why would they be in a Covid isolation unit if they didn't have Covid?

 

2 hours ago, Dante99 said:

As stated many times, people get put in Covid isolation sometimes because they were near somebody who tested positive (like on a plane or taxi or van) even though they themselves did not test positive.  That seems to be the practice and not just in Thailand.

 

Why? as a preventative measure

I do not believe that at all. The sandbox scheme is the preventative measure. I'm sure that a competent lawyer would make a case of false detention if anyone was to be confined to a Covid isolation unit simply on the grounds of proximity.

 

''WHAT HAPPENS IF I TEST POSITIVE FOR COVID DURING MY TIME IN PHUKET?
Anybody who tests positive will be taken to hospital. Even if you are not showing symptoms of COVID-19, you will be required to go to the hospital and the cost will be covered by your insurance policy''.

 

That statement comes straight from this web site. This, I believe is the definitive answer to the O/Ps question.

 

 

[TheScience]

4 hours ago, Moonlover said:

Isn't this why you're obliged to have Covid insurance? Surely that should cover it.

But if you're not *sick* there's no obligation to pay.

 

Definitely want to get a PCR test and confirm covid AND doctors report. Keep everything.

[TheScience]

8 minutes ago, Moonlover said:

competent lawyer would make a case of false detention if anyone was to be confined to a Covid isolation unit simply on the grounds of proximity

Haha

 

Yes, you'd figure it's actually a human rights abuse at the least and possibly kidnapping at the worst.

 

But this is Thailand so laws and lawyers don't matter.

 

Over the years I've noticed an enormous amount of people being locked up or find or some other such nonsense for simply going against the grain or disobeying the police or government that none of it is actually a basis in law.

[Henryford]

3 hours ago, Dante99 said:

As stated many times, people get put in Covid isolation sometimes because they were near somebody who tested positive (like on a plane or taxi or van) even though they themselves did not test positive.  That seems to be the practice and not just in Thailand.

 

Why? as a preventative measure

No, to get more money

[Sheryl]

3 hours ago, Moonlover said:

 

Why would they be in a Covid isolation unit if they didn't have Covid?

They would not be.

 

If quarantine because of being a close contact they will be in a quarantine hotel not a hospital.

 

Reverting to OP's question, for hospitalization (assuming not in ICU) costs in private hospitals seem to be 100-200k. It will depend much on the length of the hospitalization - this does nto have to be a full 14 days, patient can be discharged once they test PCR negative.

[Moonlover]

1 hour ago, TheScience said:

5 hours ago, Moonlover said:

Isn't this why you're obliged to have Covid insurance? Surely that should cover it.

 

1 hour ago, TheScience said:

But if you're not *sick* there's no obligation to pay.

 

Definitely want to get a PCR test and confirm covid AND doctors report. Keep everything.

And as I've already pointed out, if you're not sick (meaning testing positive) you wouldn't be in hospital. And if you don't believe me, see a professional's answer from Sheryl just above.

[lopburi3]

6 minutes ago, Moonlover said:

 

And as I've already pointed out, if you're not sick (meaning testing positive) you wouldn't be in hospital. And if you don't believe me, see a professional's answer from Sheryl just above.

What I, and others have said, - you can be forced into approved isolation - and you have to pay for that.  What type/cost/where varies faster than moon phases but it is something to be aware of.  

[TheScience]

1 hour ago, Moonlover said:

And as I've already pointed out, if you're not sick (meaning testing positive) you wouldn't be in hospital. And if you don't believe me, see a professional's answer from Sheryl just above.

I've heard those hospitels are very expensive and if you stay there absolutely no way insurance will pick it up.

[hotchilli]

12 hours ago, mitebbots said:

about how much would the mandatory hospital stay cost me if I happen to test positive?

If you have Thailand pass then you should also have the Covid related insurance?

Cost to you should be nothing.

[essex boys]

I got insurance as part of the Thailand pass application, the insurers I chose were AXA the policy is for 30 days starting on my arrival date cost was 2,200 baht, I did notice that the cheaper policies were not covering you for asymptomatic covid tests so I paid a bit more to make sure that whether or not I was showing symptoms I would be covered.

[robblok]

11 minutes ago, essex boys said:

I got insurance as part of the Thailand pass application, the insurers I chose were AXA the policy is for 30 days starting on my arrival date cost was 2,200 baht, I did notice that the cheaper policies were not covering you for asymptomatic covid tests so I paid a bit more to make sure that whether or not I was showing symptoms I would be covered.

That is proper planning unlike @TheScience who says its not possible. 

[TheScience]

3 minutes ago, robblok said:

That is proper planning unlike @TheScience who says its not possible. 

 

Hey, I'm just going by reports here and in BKK post. He's yet to actually get paid out on a policy mind you.

[robblok]

1 minute ago, TheScience said:

 

Hey, I'm just going by reports here and in BKK post. He's yet to actually get paid out on a policy mind you.

Those were Thai insurances, AXA is not. So if you read to take up all the information. There are indeed problems with insurance not paying out on time right now but those are Thai insurers that are not wanting to pay the 100k for people getting covid. Not sure how relevant it its. 

[ThaiFelix]

It depends on how much you look like you can afford to pay lol!

[Dont confuse me]

At the beginning of the year my Mrs paid 32,000 for 10days (could have been 14 can't recall) quarantine in government hotel in bkk. 

It was at the time when you had to show proof of quarantine Hotel to embassy. 

She said it was OK, food etc (but she is Thai), met at airport driven directly to hotel, was tested a couple of times during stay.

If I were you I'd allow an extra 50k THB to be on safe side.

Friends of mine who have tested positive were allowed to quarantine at home.

[KhaoYai]

10 hours ago, robblok said:

Indeed that is why there is insurance. So unless people are faking their insurance papers there should be no problem.

Just a note of warning on that. Your insurance should of course pay if you test positive but they may have something to say if you're required to isolate in a hospital with no/few symptoms.  Worse still, if you are one of the really unlucky ones that is required to quarantine because you've been in contact with someone who tested positive (on the flight for example) - some insurers won't pay for that.  I had to really go deep into it with my insurers who at first said it wasn't covered but finally agreed that if I was ordered to quarantine because I'd had a contact, they would pay. However, they have a limit on that and as stated in my policy, that limit is £2000 GBP - 90,000 baht.  That would pay for hotel isolation but I doubt it would last long if I was ordered to stay at a hospital.

 

Travellers may wish to check both points with their insurers before they travel - difficult to contact a home country insurer when you're abroad.

 

They should also be aware that they should check their country's travel advice immediately before leaving. If that advice is against all but essential travel to Thailand, then certainly from a UK insurers point of view, you will not be covered.

 

That currently already applies to:

 

For security reasons, the FCDO advises against all but essential travel to:

• Pattani
• Yala
• Narathiwat
• Southern Songkhla province. This does not include areas north of and including the A43 road between Hat Yai and Sakom, and areas north-west of and including the train line which runs between Hat Yai and Pedang Besar.

https://www.gov.uk/foreign-travel-advice/thailand

Edited December 23, 2021 by KhaoYai

[NoshowJones]

On 12/23/2021 at 8:34 AM, Oxx said:

Why would Covid insurance cover it if you don't have Covid?

Very few policies would cover you if you didn't have the disease.

Very few?? You mean none. Insurance companies will not pay out if there is any way around it, fair or not.