British Man Arrested for Sexual Assault of 6-Year-Old Thai Stepdaughter
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Is Accident Insurance a Requirement in Thailand
I have the usual gov't insurance on my scooter and Harley. I also have a 3rd party, Class 3 policy for the Harley (it's old so I can't get a better policy). As well, I have a pretty good medical insurance polict (with MTL) that should cover me for anything short of full organ and brain transplant, and that policy has additional coverage in the event of a motorcycle accident (on scooter or Harley). And yes, hospitals in "tourist areas" DO charge foreigners more, especially if they have insurance. They know what the maximum rates the Insurers pay and charge you/them that full amount. The fact that it will result in you having to pay higher premiums in the future is not their problem. Trust me, I have found out that "the hard way" after an accident a few years ago. And remember the story (earlier this year ?) about the Thai woman who was in a hospital in Bangkok and had a disagreement with the hospital over her bill as she thought they overcharged her. Turns out, the hospital admitted they thought she was "Swiss", not Thai, and agreed to knock 100,000 baht off her bill after she went to the media about it. I watched a "finance clerk" at a well known hospital talk to a doctor on the phone about a procedure I was going to have to remove a plate from my wrist. She wrote down 500 baht/3 for the 3 nights I'd be in the hospital as well as the cost of the procedure and regular daily costs. Then she called someone else and started changing the numbers. Suddenly it was 5,000 baht a night for 3 nights in the hospital which, by no coincidence, was the maximum amount my insurance policy covered. She also amended so of the other prices to match the coverage in the policy. Total quote - 180,000. I went to a smaller, lesser known private hospital and had the procedure done there. Total price - 90,000. (When I had the accident 3 1/2 years ago, my "friends" drove me from hospital to hospital looking for the "best deal" for me. We went to that well known hospital in Pattaya and they quoted us a price of about 520,000. We went to a hospital in Sri Racha (lord knows why) and they were too busy (lots of covid patients) so we went to another private hospital who quoted a price of 280,000 so they stuck me in that one.) (I was woozy from the morphine shot I was given at the little regional "hospital" near where the accident was and all I wanted was to lay down and sleep for a few hours. I even told my friends to just take me home and I'd go to the hospital myself the next day.) My gov't motorcycle insurance covered part of the cost and my medical insurance covered most of the rest though I did have to pay some out of my own pocket for some reason. About 10 years ago I tore a rotator cuff (shoulder muscle). Went to the hospital and after spending a whack on "steroid" shots and other non-invasive treatments, we did an MRI and they could see the torn muscle ligaments and a bone spur that was acting like a thorn and tearing the muscle every time I moved my arm. Talked to the doctor and he was quoting me the costs for the operation. I told him I was paying cash. It was going to cost something like 220,000 baht. Went to the bank to get a bank draft (or transfer or whatever) to pay the hospital and the accounts clerk asked my why my insurance wasn't covering it. I had a policy with the bank but I thought it was one of those "Life Assurance" policies and not "Health Insurance". Went back to the hospital and told the doctor that I actually did have insurance. The look on his face was not a happy one as they would have charged me (or my insurance) a lot more than if I was paying cash. And remember - if you are in an accident there's a VERY real chance you won't be in any condition to negotiate anything with anyone - or access your bank to pay for anything. Or argue with the healthcare provider in your home country. So pretending that you have enough "cash in the bank" to cover any unforeseen medical expenses is just retarded. And if you don't have insurance you could end up in far worse condition and be facing some very steep bills afterwards. Imagine being in an accident in a remote corner of Thailand like in parts of Bueng Khan or Nan, where no one speaks English and no one knows you, where you're from or who to contact in an emergency and all you have is (maybe) an International Drivers Permit and 500 baht in your wallet. Basically, you are screwed. But when they look in my wallet they see my Medical Insurance card, my "Bangkok Hospital - Pattaya" admittance card (with my blood type on the plastic envelope) as well as the business card from my lawyer and 3rd party (motorcycle) insurance provider (as well as drivers license and other stuff of course). At least that way people will be able to find out where I live and ransack my place after I die ! -
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Tourists Clash in Violent Street Fight on Bangla Road, Phuket
Beer...hookers and <deleted>...always a recipe for trouble.....:))) Wouldn't be Thailand if foreigners don't get into fights in girly bar areas:)) -
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My symptoms of pain - seeking advice .
Sounds like a heart problem, given that the pain is down your left side. See a doctor asap, however inconvenient. -
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Help! As usual, am baffled by matters Electric [this time re. solar pump connection]
how about show us a picture of the label on the pump and the label of the controller and we can see if they are correct?? -
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COVID-19 Severity Fades, But Virus Remains, says Dr. Yong
Must be over 90% of the Thai population now NOT wearing masks. I can't believe anyone still wears them. -
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Israel’s Disinformation Campaign Against UNRWA
Israel knows it can do whatever it wants and a big part of "the west" will let them get away with it. Does that mean they lie all the time? No, not necessarily. But they can lie all the time, and nothing happens. And that is obviously a situation which almost invites them to lie all the time. There is no accountability for Israels actions. That is the problem.- 1
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134
Is there anything good about getting old?
Short lifespan and alot of short time- 1
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