How much do you pay for health insurance?

[arick]

I pay 21,000 per year for 450,000 per incident. I have never used it 

The District Hospital gives me all my blood urine FET each year free including meds. (100bht admin fee)

I know MRI scans are around 12,000 and a liver dissection is 120,000. At Konkaen University Hospital. 

I'm still youngish at 55. The same specialist doctors that are at the University and Government hospitals work at the private hospitals. I'm fortunate enough if I detected something nasty I have choices for Canada & UK to be treated there also.

[arick]

55 minutes ago, harryviking said:

May I suggest to you all to start eat healthier, exercise, stop most alcohol and never smoke. That will for many mean no diseases and a long and healthy life! That is also the cheapest insurance you can get! And yes, I know, there are something called accidents. The chances are that you will be less exposed to those by following my first advise! Most accidents happens due to stupidity. No cure for that I'm afraid....😆

Genetics and family history help a great deal also. All my grandparents lived into their '90s on both sides.

[Yagoda]

On 11/16/2024 at 6:40 PM, Yellowtail said:

I had both knees replaced at Bumrungrad while I still had insurance.

 

My US card has a US$100K limit, and I pay it off at the end of each month. 

 

 

Thats what I did with my stent. Laid in bed, double checked the bill for accuracy (it wasnt) and whipped out the card.

[Presnock]

9 hours ago, jas007 said:

I'm 73 and retired from the USA. I haver Medicare A and B, and I pay the Part B premium from my Social Security Check. Maybe around $175 a month. That insurance is only good in the US. 

 

I also have BCBS (Geo Blue) here in Thailand based on prior federal employment. My share cost me around $375 a month, with the government picking up the remainder of the monthly premium. I think their share is around $750 a month. These rates will all increase in January. My share will then be about $424 a month. 

 

So, in total, one way or the other, my health insurance will cost almost $1500 USD a month.  That's 50,000 baht plus. It's very good insurance, though.

 

The inpatient GeoBlue in-patient hospital benefits are UNLIMITED. And that policy works all over the world. 

 

Fortunately for the insurance companies, I never really use the policies. I had one in-patient hospital stay recently in Bangkok for eye surgery. 471.00 baht. Otherwise, that's about it, other than cataract surgery back in the USA about eight years ago. 

 

Mostly, I don't think about any of this.  And if I didn't have insurance, I would just self insure.  I'm in good health, so far, and I try to stay that way.  

I too am a US govt sponsored Health insurer - but, my premium is about 1000 a month as I have family coverage...in a couple of years daughter will pass the age/student so will change my coverage to one plus one which is a lot cheaper.  But, I read regularly that many call the benefits I receive "cadillac coverage" in that hospitals and doctors in the US charge way too much for the service.  Medicines researched and manufactured in the US are usually cheaper if one can purchase overseas (though they can't do it cheaply in the US...my wife's oncologist found this out.  Anyway, like jas007, the benefits are worth it even though as a family we spend very little, me - nothing ever in my life! but first wife died of breast cancer - so it did care for her.  I don't plan on making any changes though this coming year was a super increase in the premiums.  one third of COLA recieved, taken by the increase in insurance.  

[ross163103]

Male 65 years old--120,000 baht a year, my wife 61 years old--84,000 baht a year, depending on exchange rate approx $3500 USD/$2470USD respectively  

[rwill]

67 year old here insurance costs me around 120,000 baht/year.  It's all the exclusions that kill you here though.

[newbee2022]

On 11/16/2024 at 3:35 PM, rudi49jr said:

I was browsing the cost of expat health insurance in Thailand and was rather shocked how much it costs: if I want insurance for myself and my Thai girlfriend, prices seem to start at around $500-$600 a month. This is almost double of what I would pay for health insurance in my home country.

I would love to hear what kind of insurance other members of this forum have and how much they pay for that. I’m going to be 67 years old, by the way.

With 67 not more than 240 USD

[BritManToo]

10 minutes ago, rwill said:

67 year old here insurance costs me around 120,000 baht/year.  It's all the exclusions that kill you here though.

Your total health care insurance expenditure Vs your total claims would be interesting to see.

My own uninsured medical expenses were all under 5kbht (2 events), and my last accident was covered by government minimum m/c insurance (13k5bht)

 

I doubt I've spent 15kbht on medical care in my past 15 years in Thailand.

[Ralf001]

On 11/16/2024 at 10:31 PM, richard_smith237 said:

 

Indeed.. but look how reluctant he was to give up such basic information...   why is that ?

what basic info would you like Richard ?

[newnative]

     I will be 73 next month.  I will be paying $700 a month this coming year for hospitalization only, with April International Insurance based in Paris, France.  (Not to be confused with Paris, Texas. Ha Ha.)  I switched to just hospitalization coverage a couple years ago when having outpatient and hospitalization became too expensive.           This year I am paying $605 a month so it will be increasing $95 a month.  My COLA increases next year with my SS and pension will likely just about cover the $95.  But, of course, some other things have also increased in price so I am losing ground with my budget.

[ElwoodP]

Unpleasant series of bickering posts between two posters that should know better removed.

Please make an effort to be polite and civil at all times with your posts. 

[richard_smith237]

26 minutes ago, Ralf001 said:

what basic info would you like Richard ?

 

The basic info of what the premium covers, other info that helps.

 

- Insurer

- IPD / OPD (inc medication)

- Premium

- CoPay / deductible

 

You pay 750 baht per month and seem to get all of this which is the deal of the century - however, there's more to it than that isn't there....

 

[Imd8ta]

On 11/17/2024 at 8:06 AM, JBChiangRai said:

 

Always check out insurers on trustpilot 

 

WrLife Reviews | Read Customer Service Reviews of www.wrlife.net

I'm glad I decided to not use WR Life, especially after reading these comments. I had a chat with a rep that told me my policy was approved including pre-existing hypertension. When I mentioned a minor knee injury 5 years ago he said don't worry about it, your already approved. When I told him I wanted to be sure, underwriting told him (me) it would not be covered for 5 years. Plus the fact that he was giving me conflicting info from their webpage, seems to me it was all about his commission. 

WR Life will increase your premium 3% annually, forever, on any claim over $10,000.

[brewsterbudgen]

16 minutes ago, Imd8ta said:

I'm glad I decided to not use WR Life, especially after reading these comments. I had a chat with a rep that told me my policy was approved including pre-existing hypertension. When I mentioned a minor knee injury 5 years ago he said don't worry about it, your already approved. When I told him I wanted to be sure, underwriting told him (me) it would not be covered for 5 years. Plus the fact that he was giving me conflicting info from their webpage, seems to me it was all about his commission. 

WR Life will increase your premium 3% annually, forever, on any claim over $10,000.

 

Who did you go with in the end, and how much was your premium?

[Ralf001]

48 minutes ago, richard_smith237 said:

 

The basic info of what the premium covers, other info that helps.

 

- Insurer

- IPD / OPD (inc medication)

- Premium

- CoPay / deductible

 

You pay 750 baht per month and seem to get all of this which is the deal of the century - however, there's more to it than that isn't there....

 

 

social security !

[richard_smith237]

9 minutes ago, Ralf001 said:

social security !

 

Its clear you have no interest in posting any useful detail and are instead 'drip feeding' information as some sort of childish play.

[Aussie999]

On 11/16/2024 at 5:45 PM, Lacessit said:

I have private health insurance in Australia. At my age, and with the pre-existing conditions I have, no insurer in Thailand would even offer to insure me. I self-insure.

 

Based on several experiences here, I would say the Thai public hospital system is superior to the corresponding Australian public system. Quite inexpensive, I'm sure a Thai national in an Australian public hospital would pay a lot more.

 

No doubt the cost escalates as procedures needed become more complex.

At 69, on age oension, in Australia your public hospital is free, so I don't understand your comment. 

In thailang you would pay close to $700/month for insurance. 

[Jumbo1968]

Zero as no company will insure me because I am on 20mg statins even though I have no coronary disease history, my cholesterol was 6 now 4.5 after taking the statins.

[richard_smith237]

3 minutes ago, Jumbo1968 said:

Zero as no company will insure me because I am on 20mg statins even though I have no coronary disease history, my cholesterol was 6 now 4.5 after taking the statins.

 

Really ???  every health insurance company you have applied for has rejected your application solely because you are taking statins ??? 

 

 

 

 

[Lacessit]

2 hours ago, Aussie999 said:

At 69, on age oension, in Australia your public hospital is free, so I don't understand your comment. 

In thailang you would pay close to $700/month for insurance. 

Yes, any public hospital is free in Australia. You would understand my comment better if you were waiting for a hip or knee replacement, or any other surgery deemed to be elective.

With my private health insurance, I was having surgery for an inguinal hernia within 3 weeks of landing in Australia. When I asked my GP how long I would be waiting in the public system, his guess was 6-9 months.

[brewsterbudgen]

29 minutes ago, Jumbo1968 said:

Zero as no company will insure me because I am on 20mg statins even though I have no coronary disease history, my cholesterol was 6 now 4.5 after taking the statins.

 

I take statins (10mg) and blood pressure meds for mild hypertension.  I declared this to my insurer and it's shown on the certificate.  I've been assured I am covered for related illnesses...  Time will tell!

[NoshowJones]

On 11/16/2024 at 4:47 PM, mogandave said:

The Thai Social is B432 per month if you qualify. 

 

 

and just how do you qualify?

[NoshowJones]

On 11/16/2024 at 6:51 PM, KannikaP said:

To whom, and for what please?

I have already asked that question of the poster on another thread and got no answer, you will probably be the same.

[NoshowJones]

9 hours ago, harryviking said:

May I suggest to you all to start eat healthier, exercise, stop most alcohol and never smoke. That will for many mean no diseases and a long and healthy life! That is also the cheapest insurance you can get! And yes, I know, there are something called accidents. The chances are that you will be less exposed to those by following my first advise! Most accidents happens due to stupidity. No cure for that I'm afraid....😆

 "Most accidents happens due to stupidity. No cure for that I'm afraid."  Who's stupidity are you referring to, your's or somebody else's?

[richard_smith237]

22 minutes ago, NoshowJones said:

On 11/16/2024 at 6:51 PM, KannikaP said:

To whom, and for what please?

I have already asked that question of the poster on another thread and got no answer, you will probably be the same.

 

He's just trying to pull peoples chain... 

 

5 hours ago, richard_smith237 said:

5 hours ago, Ralf001 said:

social security !

 

Its clear you have no interest in posting any useful detail and are instead 'drip feeding' information as some sort of childish play.

 

[richard_smith237]

12 minutes ago, NoshowJones said:

 "Most accidents happens due to stupidity. No cure for that I'm afraid."  Who's stupidity are you referring to, your's or somebody else's?

 

Indeed... and from an insurance perspective, the suggestion that 'most accidents happen due to stupidity' is a pathetic fundamentally flawed sweeping generalisation.. 

 

...  Injuries occur from playing sports - thats not stupidity. 

... Sickness occurs - regardless of how healthy you are - thats not stupidity. 

... Equipment fails - thats not stupidity.

 

In fact, the only stupidity than can be mentioned is the very comment made by that poster.

[Jumbo1968]

2 hours ago, richard_smith237 said:

 

Really ???  every health insurance company you have applied for has rejected your application solely because you are taking statins ??? 

 

Most of them and I am not going to take the risk of taking a policy out then find out later I can’t claim. I had been using AXA for Travel Insurance for years, i told them I was on status, they would no longer insure me.

 

 

 

[Jumbo1968]

2 hours ago, brewsterbudgen said:

 

I take statins (10mg) and blood pressure meds for mild hypertension.  I declared this to my insurer and it's shown on the certificate.  I've been assured I am covered for related illnesses...  Time will tell!

Well AXA would only insure me for accident after I declared I was on statins.

[richard_smith237]

42 minutes ago, Jumbo1968 said:

3 hours ago, richard_smith237 said:

 

Really ???  every health insurance company you have applied for has rejected your application solely because you are taking statins ??? 

Most of them and I am not going to take the risk of taking a policy out then find out later I can’t claim. I had been using AXA for Travel Insurance for years, i told them I was on status, they would no longer insure me.

 

(quote level fixed).

 

You are mixing your melons man...   Health Insurance vs Travel Insurance - they are different beasts.

 

Additionally, its seems based on one experience with travel insurance you have drawn a conclusion on all types of health cover.

 

I think there are many folk on statins, I suspect a fair number of posters on this forum might be on statins without their 'Health Insurance' being impacted, or perhaps with a specific exclusion or additional surcharge.

 

 

[richard_smith237]

44 minutes ago, Jumbo1968 said:

Well AXA would only insure me for accident after I declared I was on statins.

 

AXA wouldn't insure you for accident before you declared you were on statins ???