Incapacitaed and in hospital, how do I pay?

[roywells]

I live alone in Pattaya and not getting any younger. I have some medical conditions and as such medical insurance is expensive, full of exclusions and thus prohibitive. I have a bank account in which I keep an emergency medical fund. The problem is if I am incapacitated and in hospital, how can I give the hospital access to those funds for medical treatment? I approached BHP and explained this and asked about a Power of Attorney, but they were less than helpful. Does anyone have any ideas how to achieve this?

[Lacessit]

7 minutes ago, roywells said:

I live alone in Pattaya and not getting any younger. I have some medical conditions and as such medical insurance is expensive, full of exclusions and thus prohibitive. I have a bank account in which I keep an emergency medical fund. The problem is if I am incapacitated and in hospital, how can I give the hospital access to those funds for medical treatment? I approached BHP and explained this and asked about a Power of Attorney, but they were less than helpful. Does anyone have any ideas how to achieve this?

Acquire a debit card with a PIN on the emergency account. Keep the card with you at all times.

 

Note: A government hospital is cheaper than the private ones, and IME just as effective with emergency admissions.

 

 

[BE88]

The hospital may send a payment order to your bank in your name with your signature of approval.

[BritManToo]

31 minutes ago, roywells said:

I approached BHP and explained this and asked about a Power of Attorney

Why do you want to use the most expensive private hospital?

Hospitals take debit and credit cards.

Probably promptpay on your smartphone as well.

[thaibeachlovers]

4 minutes ago, BritManToo said:

Why do you want to use the most expensive private hospital?

Hospitals take debit and credit cards.

Probably promptpay on your smartphone as well.

If he's unconcious none of those apply.

 

Perhaps he can afford it.

 

The only real solution if no insurance is what I did- go home.

[Sheryl]

As long as you are conscious and coherent, you can pay the hospital, they will if necessary send cashier to your room. Debit card and online banking scanned payment will work as will credit card.

 

Your problem will be if you are unconscious or mentally disabled.  You need to have someone with power of attorney and health care proxy (aside from financial matters, health care decisions need to be considered). . Ideally someone in Thailand but if not, then someone abroad.  Be sure to list this person as your emergency contact on all hospital registrations. Also make sure they know your wishes and financial details. And if possible add their name on the emergency account so that they can readily access it. 

 

Do not underestimate how expensive care can be in s major illness or accident. In a place like BPH a single hospitalization can reach 3-5 million baht.  If your emergency fund is less than 5 million would do best to use government hospitals for anything major. 

[BE88]

1 hour ago, Sheryl said:

As long as you are conscious and coherent, you can pay the hospital, they will if necessary send cashier to your room. Debit card and online banking scanned payment will work as will credit card.

 

Your problem will be if you are unconscious or mentally disabled.  You need to have someone with power of attorney and health care proxy (aside from financial matters, health care decisions need to be considered). . Ideally someone in Thailand but if not, then someone abroad.  Be sure to list this person as your emergency contact on all hospital registrations. Also make sure they know your wishes and financial details. And if possible add their name on the emergency account so that they can readily access it. 

 

Do not underestimate how expensive care can be in s major illness or accident. In a place like BPH a single hospitalization can reach 3-5 million baht.  If your emergency fund is less than 5 million would do best to use government hospitals for anything major. 

 

If he had a debit or credit card he would no have asked for information.

 

As far as I have had an experience with public hospitals recently, they just drugged me without doing anything and I came out as a zombie, luckily I still had the presence of mind to go to a private hospital that was 200 km away from my home but I was saved even if it cost me 9000 S, luckily my life costs  more😀

[Don Giovanni]

When feeling better just get up and walk away without paying.

 

Thaksin has deep enough pockets to cover you...

 

The Don.

[Tropicalevo]

It depends on how incapacitated one is.

For the worst case scenario, I have a living will with a DNR statement in it.

I have registered it at the local hospital.

Just to confirm things, I have told the cashiers that if I am completely incapacitated, no one will pay the bill.

They got the message and it is recorded on my records.

[Sheryl]

44 minutes ago, BE88 said:

 

If he had a debit or credit card he would no have asked for information.

 

 

Mist ATM cards diybke as drbit csrds.

 

If he doesn't even have an ATM csrd, he can surely get one.

 

Should also get Mobile banking on his phone if he doesn't already have it. 

[steven100]

5 hours ago, roywells said:

I live alone in Pattaya

maybe get a thai gf who will look after your money ....   there's plenty of them in Pattaya

[BE88]

3 hours ago, Don Giovanni said:

When feeling better just get up and walk away without paying.

 

Thaksin has deep enough pockets to cover you...

 

The Don.

 

Private hospital you have to pay before any intervention maybe only 50% but you have to paid

 

[BE88]

2 hours ago, Sheryl said:

Mist ATM cards diybke as drbit csrds.

 

If he doesn't even have an ATM csrd, he can surely get one.

 

Should also get Mobile banking on his phone if he doesn't already have it. 

 

 I don't have also ATM card and Mobile banking phone but my wife does 😁

[NativeBob]

Bangkok Hospital (wherever it is BKK, HKT, PTT etc.) is the worst joint of fake health care facilities in TH. Avoid at any cost. 

Saying that my friend had similar issue with Samitevej Hosp. in Bangkok - they ordered security guard to sit on the chair straight in front of his room - the girl at reception misunderstood him. 

The bill was about 1xxK

[scorecard]

5 hours ago, BE88 said:

The hospital may send a payment order to your bank in your name with your signature of approval.

 

I had a Canadian friend in B hospital Pattaya. He was seriously ill with little chance of recovery.

 

Just after admittance the hospital accountant came to friends room, got details of my fiends bank account etc., then requested my friend sign a continuing authorization for the hospital accountant to go to the bank every day and withdraw funds to clear the charges for the last 24 hrs.

 

This continued every day for several months until the Canadian  passed on, next day the accountant made a final withdrawal, all bills settled.

[GammaGlobulin]

12 hours ago, Don Giovanni said:

When feeling better just get up and walk away without paying.

 

Thaksin has deep enough pockets to cover you...

 

The Don.

 

You know, Sir, I have been reading your comment for quite some time.

This is probably one of your best.

 

You remind me a bit of Charles Dickens...

In a way.

 

[Ralf001]

9 hours ago, NativeBob said:

Bangkok Hospital (wherever it is BKK, HKT, PTT etc.) is the worst joint of fake health care facilities in TH. Avoid at any cost. 

Saying that my friend had similar issue with Samitevej Hosp. in Bangkok - they ordered security guard to sit on the chair straight in front of his room - the girl at reception misunderstood him. 

The bill was about 1xxK

Samitevej is part of the BDMS network, same as the various Bangkok hospitals as well as sevferal others.

 

I have had great medical care at BKK Pattaya, BKK Jomtien and Phayatai Sriracha... not so much at Samitevej Sriracha.