I have had a Thai health insurance for in patient care only fpr about 10 years, this year i have had my renewl under the new co pay system, no option other than cancel the policy, the insurance company will now only pay 80% of the bill though they have doubled the limit, they have also limited the amount they will pay for a room by 50%, at least the poicy premium has fallen by about 30%, there is a lot of other stuff in Thai that i am waiting to get answers to

I think the new co-payment feature is only applicable to policyholders who use their policies frequently for small claims and rack up costs in excess of 200% or 400% of their annual premium.

 

I don't think this will apply to serious inpatient claims as it is meant to address the issue of policyholders seeking frequent medical attention for minor things like a headache, upset stomach and the like. If your policy only covers inpatient, then you're likely not affected by this new co-pay scheme.

 

Ask your broker for clarification.

38 minutes ago, Etaoin Shrdlu said:

I think the new co-payment feature is only applicable to policyholders who use their policies frequently for small claims and rack up costs in excess of 200% or 400% of their annual premium.

 

I don't think this will apply to serious inpatient claims as it is meant to address the issue of policyholders seeking frequent medical attention for minor things like a headache, upset stomach and the like. If your policy only covers inpatient, then you're likely not affected by this new co-pay scheme.

 

Ask your broker for clarification.

This was direct from the insurer, Never made a claim they stated that they were changing their range of policies and mine was no longer available, no new medical or questions are asked for, my wife has a Thai policy to supplement her work insurance, and that also has a max payout of 80%, last year my premium was 160 000 baht, about 100 000 now, so as long as i dont have a lot of claims i might be better off

2 hours ago, howerde said:

This was direct from the insurer, Never made a claim they stated that they were changing their range of policies and mine was no longer available, no new medical or questions are asked for, my wife has a Thai policy to supplement her work insurance, and that also has a max payout of 80%, last year my premium was 160 000 baht, about 100 000 now, so as long as i dont have a lot of claims i might be better off

 

Here's a link to an article that explains the new co-pay scheme:  https://www.siam-legal.com/thailand-law/new-thai-health-insurance-co-pay-rule-going-into-effect-march-20th/

 

From the article:   "it is important to note that the co-payment rule will not apply to cases involving major surgeries or critical illnesses".

 

I would suggest you question the insurer further after you've read the article linked above. From what you've mentioned in your post, it would seem that you would not be subject to a co-pay.

On 10/22/2025 at 9:50 AM, howerde said:

I have had a Thai health insurance for in patient care only fpr about 10 years, this year i have had my renewl under the new co pay system, no option other than cancel the policy, the insurance company will now only pay 80% of the bill though they have doubled the limit, they have also limited the amount they will pay for a room by 50%, at least the poicy premium has fallen by about 30%, there is a lot of other stuff in Thai that i am waiting to get answers to

 

Hello!

 

We'd like to offer to help you with this situation if we can - we know we're not you're broker, but that doesn't mean we can't talk with you and see if there's any way we can assist nonetheless. Would you mind dropping us a private message with details of your insurance policy on it, so we can see how to take any next steps needed for you?

 

Thanks, and we do hope to hear from you.

 

The AA Team.

On 10/22/2025 at 4:15 PM, Etaoin Shrdlu said:

 

Here's a link to an article that explains the new co-pay scheme:  https://www.siam-legal.com/thailand-law/new-thai-health-insurance-co-pay-rule-going-into-effect-march-20th/

 

From the article:   "it is important to note that the co-payment rule will not apply to cases involving major surgeries or critical illnesses".

 

I would suggest you question the insurer further after you've read the article linked above. From what you've mentioned in your post, it would seem that you would not be subject to a co-pay.

Today i had the final decision. the co-pay does not apply to me and my cover remains the same, the only change is the daily room rate that is now capped at 2000 baht before it was 5000baht a day. The Thai version of the policy showed all of this, not sure why the english version was so different. Y ou were correct it is to cut costs on those with multiple trivial claims, blood pressure now at normal

5 hours ago, howerde said:

Today i had the final decision. the co-pay does not apply to me and my cover remains the same, the only change is the daily room rate that is now capped at 2000 baht before it was 5000baht a day. The Thai version of the policy showed all of this, not sure why the english version was so different. Y ou were correct it is to cut costs on those with multiple trivial claims, blood pressure now at normal

 

Very good.

 

I don't think 2,000 baht per day is an adequate amount for daily room costs. You might want to request a higher limit even if it costs a bit more.

 

The Thai version of local insurance policies is the controlling wording and anything in English or another language is just a translation and is not binding on the insurer. The insurance company probably did a poor job of updating the English language translation.