On 6/28/2025 at 1:10 PM, newbee2022 said:

Yes, it is 👍

 

No it isn't. Use the government hospitals.

6 hours ago, shackleton said:

That sort of money must be for a real serious case can you give me a situation costing 7 million baht for a medical operation 

 

Thai SS covered a bill of 5 million for me after my private insurance declined in 2023.

 

My private insurance covered a 4 million bill in 2015 when I had a stroke.

 

37 minutes ago, IvorBiggun2 said:

 

No it isn't. Use the government hospitals.

I see, in government hospitals it's free. Thanks for the news

19 hours ago, pchansmorn said:

If you are healthy, insurance is a waste of money. Save the money in case you get sick and make some interest on it.

Completely correct. 

 

Invest in your health :

 

Financial by saving and investing with money

 

Physically and mentally through a healthy lifestyle of nutrition, exercise, stress reduction and proper sleep. 

 

Therein you'll guarantee your security in the event of ill health or accident - a not having an insurance company automatically denying your claim, second guessing your doctor and your own prudent judgment of whatever is best for you, not the insurance company's profit margins. 

Like many others I self-insure and I've been self-insuring for over 10 years, as my previous health insurer kept on raising  the premiums by 20% per year despite no claims, and I found that to be hugely obnoxious. 

 

I consider most healthcare companies to be Mafia organizations, they would do everything in their power to deny a claim, and I love not having to deal with them. I've saved a lot of money over the years as my doctor visits are very limited I do blood panels annually with your inexpensive and the one 8 day hospital stay that I've had was in a very good public hospital, and it cost far less than 6 months worth of premiums.

16 hours ago, IvorBiggun2 said:

 

No it isn't. Use the government hospitals.

Four times used this Hospitals, never again.

Assuming you now have good health, whether or not you should buy health insurance depends on your age. If you're middle-aged (in your 40s), the premiums might not be so high. But if you're older (above 60), the premiums are very expensive.

I've lived in Thailand for over 20 years and have gone to both private and public hospitals. I have found the public hospitals very good, but they often require you to spend the whole day there just to see a doctor. But their fees for us, non-Thais, are very low, I'd estimate only 10% of what a private hospital charges. 

I'm 79 now and don't have any health insurance, but feel confident that if/when I need medical attention, a public hospital will be able to provide me the care I need. 

If you never get real sick, it isn't worth it.

 

If you get real sick, it can be worth it.

5 minutes ago, jerrymahoney said:

If you never get real sick, it isn't worth it.

 

If you get real sick, it can be worth it.

A profound statement indeed🤭

OK next profound: Self-pay and self-insure are not the same thing.

No. Just get a “friend” to set up a Go Fund Me… 😉

On 7/1/2025 at 10:55 AM, shackleton said:

Up to the individual if you have the money ect

Over 75 plus pre existing conditions properly not worth buying 

Better paying cash as the need requires

 

What I would like to know is ie if someone in their seventy's having medical insurance through a Thai insurance company and has pre existing conditions from their younger years, say in the UK and has not declared them and makes a claim, will they have to name all their doctors, practices, hospitals, or whatever to get access to their medical history?

Just how does that work out?

On 7/7/2025 at 1:53 PM, shackleton said:

That sort of money must be for a real serious case can you give me a situation costing 7 million baht for a medical operation 

I did not mention 7 million Baht. But longer term cancer treatment, stroke with some time in ICU, heart attack with surgery can cost a lot. A frind of mine had a minor accident with 3 broken bones which required several complicated surgeries and 3 months inpatient treatment. Total cost for this was 1.5 million Baht already.

While I have private insurance through my company, I realize that when I hit 70 I will probably be denied many treatments. Recently, a colonoscopy cost about 40,000, which I could have paid myself but used the insurance for. While these one-offs are not outside my means, I am concerned that as a diabetic, many future issues may become less available to me. My doctor advises prepare for the inevitable.