Warning. Covid19 Thai Insurance.

[Rufo]

For all those who want or are about to leave.

 

It is official, Thai insurance does not cover additional quarantine costs in the hospital or hotel if the traveler is asymptomatic positive.

 

Be careful.  I wrote to a broker in phuket and so he replied:

 

Today it's official there are no insurers will cover the quarantine if you tested positive covid asymptomatic. It must need the medical necessary only. 

 

AXA, LUMA and ACS will not cover the quarantine.  

Thank you and Best regards.

 

One more step to open Thailand!!!!!!!!!!!!

 

 

[4MyEgo]

If your not sick and not receiving treatment, then why should they pay for your isolation ?

 

I am not protecting insurance companies, I am insured, but if infected and was at a hospital that picked it up, I would be putting my foot down to be isolating at home, rightfully so, if I am not being treated for a sickness if that makes sense.

 

Naturally if I am sick and being treated in the hospital, that is a different story, isn't it ?

 

Hotels are not hospitals.

 

Edited February 11, 2022 by 4MyEgo

[RedArmy]

Time for all the shenanigans to end - Open the country up properly along with all the borders & lets get back to life as normal as possible - One RT-PCR test 72 hours before travelling should be the only requirement for travel.

[tlcwaterfall]

9 minutes ago, 4MyEgo said:

If your not sick and not receiving treatment, then why should they pay for your isolation ?

 

I am not protecting insurance companies, I am insured, but if infected and was at a hospital that picked it up, I would be putting my foot down to be isolating at home, rightfully so, if I am not being treated.

Genuine tourists do not have the option of isolating at home. 

 

The real question is why are asymptomatic foreigners being sent to hospitals when they clearly do not need any medical treatment and end up being forced to pay an outlandish bill for a hospital stay that was not needed.  The answer as we all know is because it is a money making scheme. Nothing to do with the health of the person who is Asymptomatic.

Edited February 11, 2022 by tlcwaterfall

[StayinThailand2much]

7 minutes ago, 4MyEgo said:

If your not sick and not receiving treatment, then why should they pay for your isolation ?

 

I am not protecting insurance companies, I am insured, but if infected and was at a hospital that picked it up, I would be putting my foot down to be isolating at home, rightfully so, if I am not being treated for a sickness if that makes sense.

 

Naturally if I am sick and being treated in the hospital, that is a different story, isn't it ?

 

Hotels are not hospitals.

 

Neither insurance companies, nor hotels are to blame. They are just running a business. Blame lies with the government that holds asymptomatic people hostage, forcing them to use overpriced but unnecessary facilities and procedures, while fooling them that a mandatory insurance "pays the bills" for all this, while knowing that the insurance companies won't. - It is simply government-sponsored fraud, nothing else...

[connda]

21 minutes ago, 4MyEgo said:

If your not sick and not receiving treatment, then why should they pay for your isolation ?

If you're not sick and not receiving treatment, then why are you locked up in an expensive hospital?

[dj230]

Get good travel insurance and you'll be covered, you get what you pay for with insurance. 

 

It states in the policy what is covered and what isn't. 

 

Edited February 11, 2022 by dj230

[4MyEgo]

On 2/11/2022 at 3:08 PM, connda said:

If you're not sick and not receiving treatment, then why are you locked up in an expensive hospital?

Because someone in the government says you have to, now don't try to get your head around that, because their is no sense in a lot of things with this pandemic, ... suffice to say, do you see all of these corporations (governments) all working for the same people letting go of their new imposed powers from 2 years ago. 

[daveAustin]

3 hours ago, dj230 said:

Get good travel insurance and you'll be covered, you get what you pay for with insurance. 

 

It states in the policy what is covered and what isn't. 

 

Who will categorically cover the above scenario? List them here please. Not a dig. Would genuinely like to know. 
 

Agree with others, it is all on the government. They do not know what they are doing, but should pick up the bill if they want to lock tourists away unnecessarily AND expect them to pay for the privilege. Their actions are harming the standing of the country (yes, I know) and are one of a banana republic. 

[dj230]

10 minutes ago, daveAustin said:

Who will categorically cover the above scenario? List them here please. Not a dig. Would genuinely like to know. 
 

Agree with others, it is all on the government. They do not know what they are doing, but should pick up the bill if they want to lock tourists away unnecessarily AND expect them to pay for the privilege. Their actions are harming the standing of the country (yes, I know) and are one of a banana republic. 

Manulife covered me for quarantine due to covid-19, medical treatment, quarantine in a medical facility or hotel/food/travel delays (plane ticket) etc. , when I planned my trip I wasn't going to rely on a Thailand company to insure me if things went south. I paid more, but I was completely covered. 

 

From what I see people are just trying to buy the cheapest insurance they can get that qualifies from for entry into Thailand and then they're hit with a bill and get no coverage. It's cheap for a reason, you get less coverage.

Edited February 11, 2022 by dj230

[spidermike007]

4 hours ago, 4MyEgo said:

If your not sick and not receiving treatment, then why should they pay for your isolation ?

 

I am not protecting insurance companies, I am insured, but if infected and was at a hospital that picked it up, I would be putting my foot down to be isolating at home, rightfully so, if I am not being treated for a sickness if that makes sense.

 

Naturally if I am sick and being treated in the hospital, that is a different story, isn't it ?

 

Hotels are not hospitals.

 

That is the point. It is at the discretion of some officials, whether or not you are required to be hospitalized, regardless of whether you have symptoms. Hotels are getting commissions for referring positive tests to hospitals.

 

It appears to be a total hospital/insurance company/hotel/Prayuth/

Anutin scam. Who knows how much money is being made under the table, and how much tourism is being lost, as a result of this cowardice, ignorance and mindless greed. 

[FriendlyFarang]

14 minutes ago, dj230 said:

Manulife covered me for quarantine due to covid-19, medical treatment, quarantine in a medical facility or hotel/food/travel delays (plane ticket) etc. , when I planned my trip I wasn't going to rely on a Thailand company to insure me if things went south. I paid more, but I was completely covered. 

You did actually have to quarantine in a hotel and they paid for it? I just had a look at their terms and condition, and they only write that they pay for hospital costs.

[dj230]

1 hour ago, FriendlyFarang said:

You did actually have to quarantine in a hotel and they paid for it? I just had a look at their terms and condition, and they only write that they pay for hospital costs.

https://www.coverme.com/content/dam/affinity/coverme/english/documents/coverme-covid-19-pandemic-travel-plan-policy.pdf

page 8, I called and specifically asked if I would be covered, they said yes. 

 

Now re-reading it, it actually mentions quarantine due to positive covid test OR contact tracing, so I am guessing if you were in close contact with someone who tested and had to isolate, you'd be reimbursed as well.

 

Edited February 11, 2022 by dj230

[ThaiVisaCentre]

This is not 100% true.

They will cover on all policies purchased before Feb 15th ????

[Dan O]

AXA, TUNE, Mr Prakan Insurance all had policies 2 days ago that offer asymptomatic coverage. There was a 4th company I looked at but can't remember the name now. Prices have gone up though and coverage amount has fallen due to the reg change. It does cost more and must be an approve medical site, hospitels qualify since they are regulated by the govt health system but aq hotels does not.

 

There was an article in the news just yesterday how most thailand insurers have dropped that part of their coverage as they had losses on up to 4% of there policies issued this last year due to delta and now Omicron. 

 

 I believe It's still available but you will need to shop and it probably won't be on Thai policies. Ask the questions and get a straight answer or don't buy the insurance 

[Liverpool Lou]

6 hours ago, tlcwaterfall said:

The answer as we all know is because it is a money making scheme.

No, "we all" do not know that, you may like to think that your opinion speaks for everyone but it doesn't.

[Polar Bear]

On the Thai Pass site, and during the application process, they are actively pushing policies through this broker with 3 companies that supposedly cover symptomatic, asymptomatic and close contact quarantine (which is a new requirement). Although when you click through, it doesn't actually mention close contact, unless that comes under hospital isolation, and there isn't enough information on the site about any of the policies to be able to say what they actually cover. 
https://tqm-app.com/static/thailandpass/index.html 
 

[ChaiyaTH]

30 minutes ago, Polar Bear said:

On the Thai Pass site, and during the application process, they are actively pushing policies through this broker with 3 companies that supposedly cover symptomatic, asymptomatic and close contact quarantine (which is a new requirement). Although when you click through, it doesn't actually mention close contact, unless that comes under hospital isolation, and there isn't enough information on the site about any of the policies to be able to say what they actually cover. 
https://tqm-app.com/static/thailandpass/index.html 
 

I don't get it tho, one would get the insurance for a period of 30 days, arrive here with 30 days on arrival but then decide to extend or change to a long term visa without issues or that insurance. It clearly is a scam all together. In that case not that expensive with 2K ish baht.

Same time, if one did have intentions to insure long term, they exclude people who already are in Thailand now, like for what reason, a new person has less risk than an existing person??? But if I go to Netherlands, stay there 30 days, and then return on me re-entry, I can get the insurance.

Edited February 11, 2022 by ChaiyaTH

[Felt 35]

29 minutes ago, Liverpool Lou said:

No, "we all" do not know that, you may like to think that your opinion speaks for everyone but it doesn't.

Soon all know..................Warning against traveling to Thailand - Scandasia

[internationalism]

52 minutes ago, ThaiVisaCentre said:

This is not 100% true.

They will cover on all policies purchased before Feb 15th ????

not so.

policy for 3mln.

"From: Narisara Narintaranggoon <[email protected].>
Date: Thu, Feb 10, 2022 at 
Subject: Fwd: IPD Result; MR. xxx ; Policy: xxx-I-PRP-21-11-xxx
To: AKARABROKER NON-MOTOR <nonmotor@akarabrokerinsurance.>
Insured: MR. xxx

Policy: xxx-I-PRP-21-11-xxx

Broker/Agent: AKARA BROKER COMPANY LIMITED

Dear All ,

Please  inform the Insured that his IPD treatment for COVID Infection at xxx hospital is not subject to cover under his policy. For details, see the letter attached.

If further clarifications are required, please email [email protected] or call Customer Service at 02-401-9188 or 02-401-9189.

Best Regards,

Narisara Narintaranggoon Na Ayuttaya ( กระติก )

Sales Coordinator"

 

[kimamey]

3 hours ago, daveAustin said:

Who will categorically cover the above scenario? List them here please. Not a dig. Would genuinely like to know. 
 

Agree with others, it is all on the government. They do not know what they are doing, but should pick up the bill if they want to lock tourists away unnecessarily AND expect them to pay for the privilege. Their actions are harming the standing of the country (yes, I know) and are one of a banana republic. 

I'm not sure if this counts from AXA Thailand.

 

 Covid-19 > Is medical expense for COVID-19 treatment in “Field Hospital” and “Hospitel” covered?
Yes. Medical expenses incurred in facilities designated as “Field Hospital” and “Hospitel” by the Ministry of Public Health for treating COVID-19 patient is covered.

 

 Covid-19 > If I am tested positive for COVID-19 but I don’t have any symptom. Will AXA pay for the medical expense?
AXA will cover for outpatient and inpatient medical expense incurred based on medical necessity and following the guideline published by Ministry of Public Health.

For hospitalization, AXA uses a combination of factors including symptoms, age and underlying medical conditions to determine if the hospitalization is medically necessary. Only medically necessary inpatient expenses will be covered by AXA.

 

It's still a bit vague but it seems they might. I haven't looked at the "guidelines published by the Ministry of Public Health"

[Polar Bear]

10 minutes ago, kimamey said:

based on medical necessity and following the guideline published by Ministry of Public Health.

 

Only medically necessary inpatient expenses will be covered by AXA.

If someone is asymptomatic, no treatment is medically necessary so that would suggest they won't cover it, or it would at least put them in a strong position to argue over it.

[ThaiVisaCentre]

3 hours ago, internationalism said:

not so.

policy for 3mln.

"From: Narisara Narintaranggoon <[email protected].>
Date: Thu, Feb 10, 2022 at 
Subject: Fwd: IPD Result; MR. xxx ; Policy: xxx-I-PRP-21-11-xxx
To: AKARABROKER NON-MOTOR <nonmotor@akarabrokerinsurance.>
Insured: MR. xxx

Policy: xxx-I-PRP-21-11-xxx

Broker/Agent: AKARA BROKER COMPANY LIMITED

Dear All ,

Please  inform the Insured that his IPD treatment for COVID Infection at xxx hospital is not subject to cover under his policy. For details, see the letter attached.

If further clarifications are required, please email [email protected] or call Customer Service at 02-401-9188 or 02-401-9189.

Best Regards,

Narisara Narintaranggoon Na Ayuttaya ( กระติก )

Sales Coordinator"

 

It would appear to differ from insurer to insurer

[BritTim]

1 hour ago, ThaiVisaCentre said:

It would appear to differ from insurer to insurer

That is a very clear statement by Luma, and their position seems perfectly reasonable. If you are Covid-19 positive, but asymptomatic or with mild symptoms, this will likely impact your life for some days, but should not affect where you will stay, or greatly increase your costs. The only exception is that you may not be able to travel as you intended. Hopefully, travel insurance would deal with enforced postponement of travel.

[Cletus]

Does it really work like this now?

No quarantine anymore for positive asymptomatic?

You're free to go if positive asymptomatic on day 1 and 5?

 

 

 

 

 

[bluemoon58]

13 hours ago, 4MyEgo said:

this pandemic, now an endemic,

This ain't no endemic and never will be. They need to get their definitions correct! An endemic is a localised outbreak, which this most certainly is not!

 

adjective

 

1. 1.

   (of a disease or condition) regularly found among particular people or in a certain area.
    
2. 2.

   (of a plant or animal) native and restricted to a certain place.

[4MyEgo]

3 minutes ago, bluemoon58 said:

This ain't no endemic and never will be. They need to get their definitions correct! An endemic is a localised outbreak, which this most certainly is not!

 

adjective

 

1. 1.

   (of a disease or condition) regularly found among particular people or in a certain area.
    
2. 2.

   (of a plant or animal) native and restricted to a certain place.

That is your take on it.

 

An epidemic involves the wide-ranging spread of a disease throughout an entire area or particular community where it’s not permanently prevalent. A pandemic involves an even wider spread, often reaching across the entire world. The word endemic is used to describe a disease that persistently and regularly spreads within a particular area or region (that is, it never fully goes away)—for example, the flu is considered endemic in many places. The COVID-19 virus is not yet considered endemic, but medical experts expect that it eventually will become endemic.

[koele2]

It’s pretty obvious.  The Thai govt does not trust people, Thai and foreign, to self quarantine if covid positive but asymptomatic.  So they force all covid positive people to be isolated to keep it from spreading.  They are correct to assume a big chunk of people will not follow the honor system and stay home for 14 days if covid positive.  And so we are all stuck with this current policy.

Edited February 12, 2022 by koele2

[ding]

I've heard reports that there are no 'hospitels' yet due to unclear requirements. Are there actual hotels that qualify for quarantine? Should I get a policy for 7 days for just the 5 day testing window, or for 15 days to include any quarantine time?

 

AXA website facing page:

"Caught Covid but do not show symptoms? Don't worry! Yes, AXA will cover for the medical expense incurred based on medical necessity. "

 

AXA faq's;

Covid-19 > If I’m tested positive for COVID-19 and have to be quarantined in the hotel. Will AXA pay for this hotel cost?

"No, AXA will not cover for hotel accommodation cost. AXA will however cover for other medical costs such as physician fees and medicine"

 

 

Edited February 12, 2022 by ding

[LALes]

Insurance companies are a business.  Their goal is to make money.  If they don't make money, they move the goalposts to ensure their profit, even if it means denying coverage for what you bought.  Its called Covid insurance.  If you get Covid, you should be covered for all related costs due to Covid such as hospitalization AND quarantine.  Anything less is a scam.