TravelerEastWest Posted August 25, 2022 Share Posted August 25, 2022 23 hours ago, SteveBull said: In Hua Hin's main hospital they have a VIP option 250 baht I think it is - if you don't pay it you've got a hefty wait in the busiest hospital in stifling conditions, if you do pay it you are taken to a different area and seen within the hour. They could put another zero on the end of that and given the options I would still pay it personally. Agreed 100% for an extra charge to get great service is worth it... 1 Link to comment Share on other sites More sharing options...
KannikaP Posted August 25, 2022 Share Posted August 25, 2022 On 8/23/2022 at 10:21 AM, sanuk711 said: Yes--once again its accident not illness--- so age isn't the most important thing , under 65 is about 2,500Bht a year--but we are not talking about large amounts paid out here--its aimed primary at the Thai market---but for someone who doesn't want full insurance --then just a bit of a cushion to help. ------ Here is one bank BKKI hope its OK to post link. for 16--65 years https://www.bangkokbank.com/en/Personal/My-Family-and-Me/Bancassurance/BKI/PA-1st/PA-1st-Smart Just tried that one. Over 65 = forget it. 2 Link to comment Share on other sites More sharing options...
sanuk711 Posted August 25, 2022 Share Posted August 25, 2022 5 minutes ago, KannikaP said: Just tried that one. Over 65 = forget it. Why ? Link to comment Share on other sites More sharing options...
scubascuba3 Posted August 25, 2022 Share Posted August 25, 2022 Just now, sanuk711 said: Why ? Presumably over 65s more likely to have accident and medical costs higher 1 Link to comment Share on other sites More sharing options...
sanuk711 Posted August 25, 2022 Share Posted August 25, 2022 Just now, scubascuba3 said: Presumably over 65s more likely to have accident and medical costs higher Yes....a whole 5,000 a year...96 Baht a week 2 Link to comment Share on other sites More sharing options...
Neeranam Posted August 25, 2022 Share Posted August 25, 2022 On 8/21/2022 at 4:58 PM, scubascuba3 said: in fact they have to treat you, keep you alive etc Not if you don't have any money. 1 Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 7 hours ago, Neeranam said: On 8/21/2022 at 4:58 PM, scubascuba3 said: in fact they have to treat you, keep you alive etc Not if you don't have any money. Can't you just show them your self-insurance card? 1 Link to comment Share on other sites More sharing options...
scubascuba3 Posted August 25, 2022 Share Posted August 25, 2022 7 hours ago, Neeranam said: Not if you don't have any money. Not quite, like i said further up a guy recently was in a 6 months coma and govt hospital kept him alive until he woke up and could pay. He had no ID or money on him Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 (edited) 7 minutes ago, scubascuba3 said: Not quite, like i said further up a guy recently was in a 6 months coma and govt hospital kept him alive until he woke up and could pay. He had no ID or money on him Well there was 'a guy' CxnNxl on ThaiVisa in Khon Kaen in coma for 6 moths following motorbike accident which left him as paraplegic but his Thai wife was a local school administrator. Edited August 25, 2022 by jerrymahoney Link to comment Share on other sites More sharing options...
mania Posted August 25, 2022 Share Posted August 25, 2022 (edited) I think most realize that Self insure is a double edged sword On the one hand yes self insure & not need medical services & you saved $$$ On the other hand few are actually disciplined enough to keep stoking the self insure fund or usually under estimate costs because they base medical costs on a few simple diagnostics they have had done in Thailand. Although even if they do have just one decent real medical event then it empties the whole fund & maybe is even short what then if your fund is too small? Do you have the difference? Even if you do your fund after this event is now possibly back to $0 balance. Can you refill it quick enough for future events? Yes government hospitals have to stabilize you but private hospitals do not. Instead they will just transfer you to a govt facility where again they will not repair for free just stabilize till pay ability is shown So at the end of the day it is kind of obvious isn't it? Folks that actually have wealth can self insure but usually will just pay insurance as price is not tough on them Folks that have less wealth seek to save by rolling the dice & self insure hoping they win, They may or may not Do you feel lucky? Edited August 25, 2022 by mania Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 Many non-Thai medical policies like CIGNA Global have coverages of up to $US 1 million or more per year. While very few will actually have claims anywhere near that amount, the reason they have such coverages in the policy is because SOME DO. Link to comment Share on other sites More sharing options...
scubascuba3 Posted August 25, 2022 Share Posted August 25, 2022 26 minutes ago, jerrymahoney said: Well there was 'a guy' CxnNxl on ThaiVisa in Khon Kaen in coma for 6 moths following motorbike accident which left him as paraplegic but his Thai wife was a local school administrator. Hows that relevant when his thai wife was there? i.e. could pay up Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 (edited) Well in your post you say 'a guy' was in coma for 6 months. What guy? How does one fact check 'a guy'? With CxnNxx he didn't have to pay as his wife's employment covered the bill Edited August 25, 2022 by jerrymahoney 1 Link to comment Share on other sites More sharing options...
Popular Post scubascuba3 Posted August 25, 2022 Popular Post Share Posted August 25, 2022 24 minutes ago, mania said: I think most realize that Self insure is a double edged sword On the one hand yes self insure & not need medical services & you saved $$$ On the other hand few are actually disciplined enough to keep stoking the self insure fund or usually under estimate costs because they base medical costs on a few simple diagnostics they have had done in Thailand. Although even if they do have just one decent real medical event then it empties the whole fund & maybe is even short what then if your fund is too small? Do you have the difference? Even if you do your fund after this event is now possibly back to $0 balance. Can you refill it quick enough for future events? Yes government hospitals have to stabilize you but private hospitals do not. Instead they will just transfer you to a govt facility where again they will not repair for free just stabilize till pay ability is shown So at the end of the day it is kind of obvious isn't it? Folks that actually have wealth can self insure but usually will just pay insurance as price is not tough on them Folks that have less wealth seek to save by rolling the dice & self insure hoping they win, They may or may not Do you feel lucky? Most people i know are self insuring and they aren't short of money, a minority have insurance but usually poor quality insurance like a thai insurer or one of those newer shady companies, so i reckon self insuring is much more common than people on this forum think 4 Link to comment Share on other sites More sharing options...
scubascuba3 Posted August 25, 2022 Share Posted August 25, 2022 Just now, jerrymahoney said: Well in your post you say 'a guy' was in coma for 6 months. What guy? How does one fact check 'a guy'? I met the guy a couple of weeks ago, you can't check anecdotal evidence Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 (edited) 5 minutes ago, scubascuba3 said: Most people i know are self insuring and they aren't short of money, a minority have insurance but usually poor quality insurance like a thai insurer or one of those newer shady companies, so i reckon self insuring is much more common than people on this forum think Self-insurance for one is a misnomer. Companies that self-insure spread the risk against a number of employees. When you are the only self-insuree you have a reserve. There is no sharing of risk when there is only one person. Edited August 25, 2022 by jerrymahoney 1 Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 2 minutes ago, scubascuba3 said: I met the guy a couple of weeks ago, you can't check anecdotal evidence OK if you say so. Link to comment Share on other sites More sharing options...
ukrules Posted August 25, 2022 Share Posted August 25, 2022 On 8/21/2022 at 5:45 PM, The Hammer2021 said: Get insurance while you can. You can also get insurance here. There is no such thing a self insurance- it's just a fantasy. It's not just serious illness like a stroke or haemorrhage but minor illness that require treatment. If you have insurance you will look after yourself better Some people do self insure and it's definitely not a fantasy, they are not however what you might call normal people. We're talking about people with many millions of USD or equivalent available - and in my opinion that's what it takes to self insure. 1 Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 2 minutes ago, ukrules said: Some people do self insure and it's definitely not a fantasy, they are not however what you might call normal people. We're talking about people with many millions of USD or equivalent available - and in my opinion that's what it takes to self insure. And for others with millions of USD available, the premium for a multi-million USD per year limit policy is a pittance. Link to comment Share on other sites More sharing options...
ukrules Posted August 25, 2022 Share Posted August 25, 2022 33 minutes ago, jerrymahoney said: And for others with millions of USD available, the premium for a multi-million USD per year limit policy is a pittance. Not always. Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 25, 2022 Share Posted August 25, 2022 30 minutes ago, ukrules said: Not always Compared to the potential upside of potentially USD 1 - 5 million per year in claims, to such persons as you describe, it is a pittance. 1 Link to comment Share on other sites More sharing options...
scubascuba3 Posted August 26, 2022 Share Posted August 26, 2022 2 hours ago, jerrymahoney said: OK if you say so. ok we could say the same about the claim you bang on about Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 26, 2022 Share Posted August 26, 2022 (edited) 2 hours ago, scubascuba3 said: ok we could say the same about the claim you bang on about The claim I bang on about was me. Not anecdotal. I have documents. Unless you mean the guy I referenced just once who was in a coma for 6 months at a government hospital but that guy was once voted Poster of the Year on Thaivisa.com so not just "some guy". Edited August 26, 2022 by jerrymahoney 1 Link to comment Share on other sites More sharing options...
Jen65 Posted August 26, 2022 Share Posted August 26, 2022 I'm 71 with an O-A visa and just done extension of stay with the required medical insurance which I have always had ! I was originally on a "O" retirement visa but had to go out of country when Covid emerged and at that time , the only way back was to obtain an O-A visa at the Thai Embassy ( I already had the medical insurance so no problem). However , my premium has jumped 45% as I'm in a new age bracket and although 100,000 baht still seems reasonable I had to up the deductible to 300,000 baht to keep the premium down . Now , of course anything under that I have to pay so am also considering self insure and keeping say 1 million in the bank reserved for medical and visa - quickly accessible but hardly any interest , but have other funds ( 1M ) available from offshore for transfer if required . That keeps my money with me and if nothing serious before I'm 81 then I have saved 1M in premiums over the next 10 years ! I will also take out a local personal accident policy which are very reasonable - quoted 5000 baht ( excludes motorbikes) . Is there any set minimum for self insure to be acceptable by immigration at renewal of extension of stay (retirement) ??? Link to comment Share on other sites More sharing options...
Chris.B Posted August 26, 2022 Share Posted August 26, 2022 20 hours ago, scubascuba3 said: Presumably over 65s more likely to have accident and medical costs higher I would have thought, over 65s are less active in their pursuits therefore less likely to have an accident? Link to comment Share on other sites More sharing options...
TravelerEastWest Posted August 26, 2022 Share Posted August 26, 2022 Does anyone know how to get a very high deductible insurance plan where I pay my deductible at the insurance company's lower rate (than the normal public rate)? I am 62 and have pre existing conditions... Thank you! Note I spoke to a Thai insurance broker in the past but was told that type of insurance does not exist in Thailand. Currently I have a Bangkok hospital plan where with their hospitals I get a discounted rate on their platinum plan. So let say I pay 50% of the room rate half is discounted and half I pay out of pocket. So sort of a middle path plan... Link to comment Share on other sites More sharing options...
Chris.B Posted August 26, 2022 Share Posted August 26, 2022 6 hours ago, jerrymahoney said: Can't you just show them your self-insurance card? Okay, Mastercard or Visa? Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 26, 2022 Share Posted August 26, 2022 (edited) 7 minutes ago, Chris.B said: Okay, Mastercard or Visa? American Express. No credit limit. Visa and MC could be prepaid card. Edited August 26, 2022 by jerrymahoney Link to comment Share on other sites More sharing options...
SteveBull Posted August 26, 2022 Share Posted August 26, 2022 On 8/24/2022 at 9:50 AM, jerrymahoney said: Your wife is always with you when you end up at the hospital planned or not-planned? Errrrr yep - you think the hospital lies in wait for single falangs ? - then quickly get out their single falang spreadsheet ? lol. Actually no once I had an eye infection pre wife days so went alone - all morning in hospital, full eye examination, consultant called in on a day off as it looked nastier than it turned out to be, an arm full of meds to take away - around 1,500 baht I think it was. Expensive ? Link to comment Share on other sites More sharing options...
jerrymahoney Posted August 26, 2022 Share Posted August 26, 2022 (edited) 9 minutes ago, SteveBull said: you think the hospital lies in wait for single falangs Not in my experience. I just had a procedure 2 weeks ago at a hospital where the package price was on their website in Thai language. But that's what I got -- except as a farang I had to pay for the PCR which is free for Thais. All this while my wife was out of town. Edited August 26, 2022 by jerrymahoney 1 Link to comment Share on other sites More sharing options...
.png.3b3332cc2256ad0edbc2fe9404feeef0.png)
Recommended Posts