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Average cost of in-patient operations RECENTLY paid in hospitals

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2 hours ago, scubascuba3 said:

you get your creatinine/ eGFR checked regularly? what is it with 1 kidney?

Almost worthless for older athletes. My last eGFR was 55 but I knew my kidneys were fine. Creatinine is produced by your muscles and if you are muscular and also train hard, the number is meaningless. Better to spend the a little extra and get a Cystatin C test that is the gold standard where muscle and age aren't part of the eGFR calc. My eGFR is 111 vs the silly creatinine based test.

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    Sheryl

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    I (my insurance) paid 1.2M over 10 years ago for a triple bypass at Bangkok Hospital Pattaya. Not a cheap hospital for sure but I'd think 840k wouldn't go far anywhere these days.

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2 hours ago, scubascuba3 said:

you get your creatinine/ eGFR checked regularly? what is it with 1 kidney?

Every 3 months, full bloods.

I do not know the actual readings but my doctors says they are ok.

1 hour ago, atpeace said:

Almost worthless for older athletes. My last eGFR was 55 but I knew my kidneys were fine. Creatinine is produced by your muscles and if you are muscular and also train hard, the number is meaningless. Better to spend the a little extra and get a Cystatin C test that is the gold standard where muscle and age aren't part of the eGFR calc. My eGFR is 111 vs the silly creatinine based test.

I agree, i got the Cystatin C 6 months ago because my creatinine numbers at the Red Cross were iffy, but the price is 800-1000 baht vs 39 baht for Creatinine, but it proved the point, creatinine/eGFR numbers are distorted

1 hour ago, Ralf001 said:

Every 3 months, full bloods.

I do not know the actual readings but my doctors says they are ok.

I recommend you get copies of the test results then you can track over the years, Dr's here are a bit rubbish with communication

4 hours ago, scubascuba3 said:

you get your creatinine/ eGFR checked regularly? what is it with 1 kidney?

No different than with 2 kidneys. 1 kidney takes over task of 2 kidneys.

12 minutes ago, ThaiTraveller2016 said:

No different than with 2 kidneys. 1 kidney takes over task of 2 kidneys.

Incorrect. See Deepseek below, i let Deepseek do the simple questions

Screenshot_2026-06-26-10-46-21-162_com.deepseek.chat~2.jpg

16 hours ago, unblocktheplanet said:

You expect any policy to actually pay out?!? 55555555

If you took the time to read, you would see multiple high value procedures have been covered.

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I paid $5 USD for emergency room treatment at the public hospital a few years ago. That includes an overnight room for observation and about 5 different prescription meds to take home.

Put the insurance payment into the bank, CDs or Vanguard stock index funds (your risk preference) and go to the public hospital.

The exact same doctors who work at private hospitals also are required to practice at public hospitals.

They're upgrading our local public hospital to look more modern like private hospitals.

Don't listen to what the insurance hustlers say, if you are healthy finance your own healthcare.

If you enjoy an unhealthy lifestyle ain't no insurance policy going to save you for very long from your own stupidity. 😄

1 hour ago, scubascuba3 said:

I agree, i got the Cystatin C 6 months ago because my creatinine numbers at the Red Cross were iffy, but the price is 800-1000 baht vs 39 baht for Creatinine, but it proved the point, creatinine/eGFR numbers are distorted

Lab tests at the Red Cross? In Bangkok? How does this work?

I use Chulalongkorn Hospital, administered by Thai Red Cross but many tests I'd like are unavailable. For example, Methyl-malonic acid (MMA) is gold standard for Magnesium; serum test is useless.

1 hour ago, scubascuba3 said:

I recommend you get copies of the test results then you can track over the years, Dr's here are a bit rubbish with communication

I've been going to the same hospital for 35 years. About 10 years ago they did away with paper records and switched to digital. They did not enter the paper records, they just recycled them! In fact, the computer system makes it very hard to compare year-on-year. Get a printout!

Gastrectomy at Bangkok Hospital, 12 days, 1.4 mil

1 hour ago, unblocktheplanet said:

Lab tests at the Red Cross? In Bangkok? How does this work?

I use Chulalongkorn Hospital, administered by Thai Red Cross but many tests I'd like are unavailable. For example, Methyl-malonic acid (MMA) is gold standard for Magnesium; serum test is useless.

i go there for PrEP, their tests are limited

IMG_20260617_103827~2.jpg

1 hour ago, unblocktheplanet said:

I've been going to the same hospital for 35 years. About 10 years ago they did away with paper records and switched to digital. They did not enter the paper records, they just recycled them! In fact, the computer system makes it very hard to compare year-on-year. Get a printout!

I used to update to a spreadsheet, now i upload to Gemini and let it analyse

2 hours ago, scubascuba3 said:

I recommend you get copies of the test results then you can track over the years, Dr's here are a bit rubbish with communication

I have no need to track "over the years".

8 minutes ago, Ralf001 said:

I have no need to track "over the years".

ok, kidney function deteriorates with age

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2 hours ago, SiSePuede419 said:

I paid $5 USD for emergency room treatment at the public hospital a few years ago. That includes an overnight room for observation and about 5 different prescription meds to take home.

Put the insurance payment into the bank, CDs or Vanguard stock index funds (your risk preference) and go to the public hospital.

The exact same doctors who work at private hospitals also are required to practice at public hospitals.

They're upgrading our local public hospital to look more modern like private hospitals.

Don't listen to what the insurance hustlers say, if you are healthy finance your own healthcare.

If you enjoy an unhealthy lifestyle ain't no insurance policy going to save you for very long from your own stupidity. 😄

If self-insuring, need at least 1 million baht (using government hospitals only) put aside and immediately available. 3 million if you want the option of private care.

Most important - need a way to replenish as used. This is where many run into a problem. Over the years, many on this board have had to return to their home countries because their self insurance funds were depleted. Others failed to do that and wound up in really bad situation here, unable to pay for needed care.

The other common mistake is to just put aside the premium amounts without an initial lump sum to start with. This assumes there will be no big expenses for many years until these sums have accrued. Absolutely no reason to assume that at any age and certainly not past 65, very risky. You need to start with 1-3 million baht set aside.

Certainly someone who can put these sums aside now, and then replenish them as used, can self insure. But in my experience most who have this amount of money prefer to insure so as to protect their assets, assuming they are insurable (some people have no choice due to existing health conditions.)

If self-insuring, need at least 1 million baht (using government hospitals only) put aside and immediately available. 3 million if you want the option of private care.

According to the people who make a profit selling you insurance.

Without data, their opinion isn't any different from my opinion.

My opinion contained numbers, too.

Approximately 150 Thai baht.

Cheers.

[NEEDS DATA CITATIONS]

Edited by SiSePuede419
Pronoun correction

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9 minutes ago, SiSePuede419 said:

If self-insuring, need at least 1 million baht (using government hospitals only) put aside and immediately available. 3 million if you want the option of private care.

According to the people who make a profit selling you insurance.

Without data, their opinion isn't any different from my opinion.

My opinion contained numbers, too.

Approximately 150 Thai baht.

Cheers.

[NEEDS DATA CITATIONS]

No, not according to what insurance companies say.

According to what treatment of a major accident or catastrophic illness actually costs in Thailand today.

Several examples of first hand experience are cited in this thread. Your example (simple overnight observation in what was likely a community hospital) not being one of them.

Many other first hand examples posted in this forum over the years. And plenty of news articles around the plights of foreigners unable to pay their hospital bills here after a major accident or illness.

Need to look at things like extended ICU stays, heart or neurosurgery. As these arpe where adequate savings or insurance become critical. Pretty much all of us can readily afford the minor stuff.

1 hour ago, scubascuba3 said:

ok, kidney function deteriorates with age

Pretty much ALL functions deteriorate with age!

1 hour ago, Sheryl said:

If self-insuring, need at least 1 million baht (using government hospitals only) put aside and immediately available. 3 million if you want the option of private care.

Most important - need a way to replenish as used. This is where many run into a problem. Over the years, many on this board have had to return to their home countries because their self insurance funds were depleted. Others failed to do that and wound up in really bad situation here, unable to pay for needed care.

The other common mistake is to just put aside the premium amounts without an initial lump sum to start with. This assumes there will be no big expenses for many years until these sums have accrued. Absolutely no reason to assume that at any age and certainly not past 65, very risky. You need to start with 1-3 million baht set aside.

Certainly someone who can put these sums aside now, and then replenish them as used, can self insure. But in my experience most who have this amount of money prefer to insure so as to protect their assets, assuming they are insurable (some people have no choice due to existing health conditions.)

The problem with being a baht millionaire is that no one among us wants to spend that on something as insignificant as our long -term survival.

My wife is 16 years younger. I've put her through the wringer more times than I can count. I'd rather have her have the money for her own old age.

1 hour ago, Sheryl said:

No, not according to what insurance companies say.

According to what treatment of a major accident or catastrophic illness actually costs in Thailand today.

Several examples of first hand experience are cited in this thread. Your example (simple overnight observation in what was likely a community hospital) not being one of them.

Many other first hand examples podted in this forum over the years. And plenty of news articles around the plights of foreigners unable to pay their hospitals bills here after a major accudrnt or illness.

Need to look at things like extended ICU stays, heart or neurosurgery. As these apre where adequate savings or insurance become critical. Pretty much all of us can readily afford the minor stuff.

Agree completely, especially with the 1M health oops fund, that needs to be replenished when tapped. Healthy or not, stuff goes wrong, or needs a bit of maintenance every now & then.

I'm only 71, fairly healthy, and most of these touch ups, have been last 5 yrs. I've been here 25+ years, hence the self insuring, and ahead on that curve ... so far. Pretty sure I couldn't get good health insurance for 25k a year, especially after 60 yrs old.

Some more 1st hand experience ...

... ~50k hemorrhoids, about 20 yrs ago, and cheap private hosp

... 30k endo/colonoscopy's at public hosp (will need done again)

... 225k for couple stent placement at public hosp

... 73k cataract (without special lens), me 87k + follow up, so 95k

... 95k for the other eye, in future at private, (public little cheaper)

... 50k couple root canals & caps, 50k, private or public = not cheap

... 60k for upcoming tooth implant

... 17.4k for full abdominal CT Scan, public hosp

... <10k kidney CT Scan coming up, public hosp

... ??? means kidney stone issue or prostate TURP

... 50k for 10k yearly check up, and really should have done at 5 yr intervals,

I've done < 5yr intervals, maybe 10 so far, so 100k for me.

฿627.4k so far, and nothing really serious needed tending to.

Doesn't include up coming kidney or prostate issue tended to.

Edited by KhunLA

1 hour ago, Sheryl said:

No, not according to what insurance companies say.

According to what treatment of a major accident or catastrophic illness actually costs in Thailand today.

Several examples of first hand experience are cited in this thread. Your example (simple overnight observation in what was likely a community hospital) not being one of them.

Many other first hand examples posted in this forum over the years. And plenty of news articles around the plights of foreigners unable to pay their hospital bills here after a major accident or illness.

Need to look at things like extended ICU stays, heart or neurosurgery. As these arpe where adequate savings or insurance become critical. Pretty much all of us can readily afford the minor stuff.

My 81-year old friend has Allianz. They've been jacking up the premium so now he pays $15k USD!

9 minutes ago, unblocktheplanet said:

Pretty much ALL functions deteriorate with age!

Problem is if your kidney function is iffy in 50s you think how are you going to make it to 70s and kidney dialysis is expensive in Thailand. My kidneys are good but when you get a dodgy reading you start thinking about that stuff

1 hour ago, scubascuba3 said:

Problem is if your kidney function is iffy in 50s you think how are you going to make it to 70s and kidney dialysis is expensive in Thailand. My kidneys are good but when you get a dodgy reading you start thinking about that stuff

My kidneys are @ 80%, and told normal for my age. Ultrasound the other day, and one a bit larger than other. So retaining to much. Possible kidney stone blocking or enlarged prostate, restricting and back forcing back to kidney.

Hopeful solution on the cheap, with meds, but can't do those, until I do my other cataract, as they mess with eye tissue, making eye surgery a bit more complicated.

Why I'm an Atheist, no damn warranty or on the fly maintenance service with this carbon base life form ... WTF

And you want me trust you, there's a Heaven when this version gets recycled, I don't think so. In GOD we trust, my ass.

Edited by KhunLA

On 6/25/2026 at 7:29 PM, Sheryl said:

On 6/25/2026 at 7:29 PM, Sheryl said:

Certainly a reliable insurer will pay according to the terms of the policy.

Mine always have. Had health insurance all my life. Never had a claim refused. About 2 million baht in pay outs in past 6 years alone.

There are unreliable insurers to be sure but hardly the case that none are reliable.

One does have to do one's due diligence in choosing the insurer.

If I remember your story correctly, you were relatively healthy with no pre-existing condition before your motorcycle accident. Look around at others here in Thailand and ask yourself how confident you are that insurance will payout. Most have loads of pre-existing conditions and are on medication.

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1 hour ago, atpeace said:

If I remember your story correctly, you were relatively healthy with no pre-existing condition before your motorcycle accident. Look around at others here in Thailand and ask yourself how confident you are that insurance will payout. Most have loads of pre-existing conditions and are on medication.

I have had claims since for other things including 2 back surgeries.for age related spinal problems. Onset aftef I slready had the policy, so covered.

The problem you describe is not that insurance companies "do not pay out" but that many are unable to get an insurance policy due to pre-existing conditions.

One needs to start insuring begore chronic conditions kick in. That is how insurance works.

Sometimes people lie on yheir applicationd to conceal pre existing health problems. This often gets found out. When it does, it is not "insurance does not payout" , it is "polucy holder attempted insurance fraud caught". Quite different.

11 hours ago, Sheryl said:

The problem you describe is not that insurance companies "do not pay out" but that many are unable to get an insurance policy due to pre-existing conditions.

Also, many Thai insurance companies will not provide insurance once you reach a certain age.

I have suggested to some Expat friends who cannot get health insurance because of age or preexisting conditions that they may wish to consider accident insurance. These policies are fairly cheap (around 3,000 baht). They do not cover illness, but if you are injured in an accident you will have some insurance to cover part or all of the cost.

Some accident insurers may have age limits or provide policies for older age groups and all policies will have limits, so best to check around to find one that fits your needs.

I did an AI search using Gemini and this is the result re older folks:

Senior-Specific Policies (Ages 60–80+)

If you are over 65, you are not locked out of accident insurance, but you will need to look for tailored "Senior PA" or "45 Plus" plans.

  • Entry Age: Many major Thai insurers (such as AXA, Bangkok Insurance, and Tune) offer specialized senior accident plans with maximum entry ages ranging from 70 to 80 years old.

  • Renewability: Some premium expat-focused providers (like Pacific Cross) or senior-specific plans allow you to renew your existing policy up to age 99 or 100, as long as you enrolled before their maximum entry cutoff.

For premiums, the Gemini provided this:

For seniors aged 55 to 80+, annual premiums generally range from 1,600 THB to 7,500+ THB per year depending on the total coverage limit and medical expense caps.

21 minutes ago, soisanuk said:

Also, many Thai insurance companies will not provide insurance once you reach a certain age.

I have suggested to some Expat friends who cannot get health insurance because of age or preexisting conditions that they may wish to consider accident insurance. These policies are fairly cheap (around 3,000 baht). They do not cover illness, but if you are injured in an accident you will have some insurance to cover part or all of the cost.

Some accident insurers may have age limits or provide policies for older age groups and all policies will have limits, so best to check around to find one that fits your needs.

I did an AI search using Gemini and this is the result re older folks:

Senior-Specific Policies (Ages 60–80+)

If you are over 65, you are not locked out of accident insurance, but you will need to look for tailored "Senior PA" or "45 Plus" plans.

  • Entry Age: Many major Thai insurers (such as AXA, Bangkok Insurance, and Tune) offer specialized senior accident plans with maximum entry ages ranging from 70 to 80 years old.

  • Renewability: Some premium expat-focused providers (like Pacific Cross) or senior-specific plans allow you to renew your existing policy up to age 99 or 100, as long as you enrolled before their maximum entry cutoff.

For premiums, the Gemini provided this:

For seniors aged 55 to 80+, annual premiums generally range from 1,600 THB to 7,500+ THB per year depending on the total coverage limit and medical expense caps.

You haven't mentioned cover which is often rubbish, the most i found was Axa with 400k baht cover for 15k baht, most PA polices are too low

18 minutes ago, scubascuba3 said:

You haven't mentioned cover which is often rubbish, the most i found was Axa with 400k baht cover for 15k baht, most PA polices are too low

If you have an accident, in my opinion, 400k cover is better than none. At 15k annual premium, it would take 26 years of premiums to reach the break even point.

I have used Neng (Chamnong Anusat-utai) at Pattaya Insurance Center - email: info@pattaya-insurance - for two accident policies for Thai friends with premium being less than 3k per year - they are in their 30's, so the premium is lower than someone 65 or older.

If living in or near Pattaya, I would suggest making inquiries with Neng. He is knowledgeable on available policies, thus may know of some accident policies with higher limits or comparable with lower premiums. He speaks good English and I have referred many Expat friends to him that are looking for insurance - health, accident, vehicle, etc.

16 minutes ago, soisanuk said:

If you have an accident, in my opinion, 400k cover is better than none. At 15k annual premium, it would take 26 years of premiums to reach the break even point.

I have used Neng (Chamnong Anusat-utai) at Pattaya Insurance Center - email: info@pattaya-insurance - for two accident policies for Thai friends with premium being less than 3k per year - they are in their 30's, so the premium is lower than someone 65 or older.

If living in or near Pattaya, I would suggest making inquiries with Neng. He is knowledgeable on available policies, thus may know of some accident policies with higher limits or comparable with lower premiums. He speaks good English and I have referred many Expat friends to him that are looking for insurance - health, accident, vehicle, etc.

You sound like you're trying to get business, in your example of 3k a year, what was the coverage for medical expenses? I'll take a guess less than 50k baht, post a link if more would be good to read it

Edited by scubascuba3

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