13 hours ago, Sheryl said:

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.

Agreed, and my insurance has paid out exactly as was stipulated in the contract. If you go with a well known local company, then it is hands off or at least it has been for me. Companies here have huge payment networks and the hospital employees know exactly the process.

Problem is that many here have so many pre-existing conditions that payout is very difficult at times. They choose to be self insured because of little confidence their "expensive" policy will payout or has countless exclusions. If you acquire insurance while healthy then it is much much easier. Look around - how many EXpats here are healthy?

On 6/23/2026 at 11:26 PM, Hish said:

Depends on where you go to.

Last year I stayed at Bumrungrad, 5 days, no surgery but an endoscopic procedure. 870000.

It would have been a lot cheaper at the village health center.

But I might not live to tell the tale.

Just did some stuff at Bumrungrad a couple of weeks ago. Procedures included , colonoscopy, endoscopy, camera endoscopy, TURBT, inguinal hernia repair, and consultation with an oncologist because they couldn't figure out why I was slightly anemic. An iron injection resolved that within 3 days. All in was around 700k but I haven't totalled it up yet. 3 nights in the hospital.

The high quality Canadian doctors had been trying to figure out the anemia for 15-20 years. Bumrungrad, 5-6 days. Canadian health care sucks. To see doctors of the same quality in Canada is impossible. You're lucky to get an appointment with a specialist, let alone be able to pick the one you want.

Edited June 27Jun 27 by gargamon

15 minutes ago, gargamon said:

You're lucky to get an appointment with a specialist, let alone be able to pick the one you want.

That's a major point, as many of the universal healthcare in some, most countries, I think, along with USA, you're restricted to docs & hosp in 'their' plan. Of course location matters, as some will have Qs for service, longer than others.

Here, TH, and I pick who, when & where, and access almost immediate.

1 hour ago, scubascuba3 said:

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

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

Your guess is wrong:

AXA Policy - 3/17/26 Premium Notice - 100k medical expense per accident

Pacific Cross - 3/22/26 Premium Notice - 70k medical expense per each accident

My posting was simply to inform those that might not be aware of this option if they can't get regular health insurance and may want to follow up with an insurance broker on what is available and the cost - for older folks, the premiums would of course be higher.

My mentioning a particular broker is simply based on my and several friend's experience and should be able to provide information on what is available at what cost. I am sure there are other brokers who can also provide such information.

As we all know, this is Thailand and whether to look into the matter and decide to purchase accident insurance is as they say - Up to you!

2 minutes ago, soisanuk said:

Your guess is wrong:

AXA Policy - 3/17/26 Premium Notice - 100k medical expense per accident

Pacific Cross - 3/22/26 Premium Notice - 70k medical expense per each accident

My posting was simply to inform those that might not be aware of this option if they can't get regular health insurance and may want to follow up with an insurance broker on what is available and the cost - for older folks, the premiums would of course be higher.

My mentioning a particular broker is simply based on my and several friend's experience and should be able to provide information on what is available at what cost. I am sure there are other brokers who can also provide such information.

As we all know, this is Thailand and whether to look into the matter and decide to purchase accident insurance is as they say - Up to you!

Have you got a link to that Axa policy? I've not seen that one

16 minutes ago, scubascuba3 said:

Have you got a link to that Axa policy? I've not seen that one

I do not have a link. I get the premium notices emailed to me from the broker - Pattaya Insurance center - here is the one for this year with personal info deleted.

ou contact

On 6/25/2026 at 10:28 AM, Luuk Chaai said:

Just spent 6 days in Bangkok Hua Hin for an intertrochanteric fracture ( top edge of the knob on the femur )

after falling about 2 meters while trimming a jackfruit tree....

received a titanium inplant (TFNA) as a bonus !

Private room in the new wing ( really nice ) and flocked by staff and doctors round the clock 356,000 baht

and my out of pocket deductable was 40,00

fyi note .... I don't even like jackfruit, and yes, it hurt like a M/F

Glad you added 'on the femur' to your first sentence.

24 minutes ago, soisanuk said:

I do not have a link. I get the premium notices emailed to me from the broker - Pattaya Insurance center - here is the one for this year with personal info deleted.

ou contact

That's pretty good but I'd opt for the 200k cover, 5,600 premium (My PA)

14 minutes ago, scubascuba3 said:

That's pretty good but I'd opt for the 200k cover, 5,600 premium (My PA)

You earlier posted: 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

Now you are saying you do have PA insurance with 200k cover for 5,600 premium. As I have mentioned, it is an option for those that can't get regular health insurance. It is up to each individual as to decide if they want PA insurance, what cover and premium they wish to accept.

7 minutes ago, soisanuk said:

You earlier posted: 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

Now you are saying you do have PA insurance with 200k cover for 5,600 premium. As I have mentioned, it is an option for those that can't get regular health insurance. It is up to each individual as to decide if they want PA insurance, what cover and premium they wish to accept.

Eh? i never said i didn't have PA insurance, but your post only mentioned a premium and no cover which is important info. Most banks that offer PA have low cover

15 hours ago, wil iam not said:

Glad you added 'on the femur' to your first sentence.

too funny .. imagine a titanium implant .. for a fractured "knob" .. talk about a stiffy

On 6/26/2026 at 12:17 AM, 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. 😄

Your example is as useful as knitted condom.

3 years ago is not today.

You said they're upgrading the hospital to make it look more modern, likely to include a dedicated farang patient wing.

A lot of so called expert expats don't even know how to get a functioning insurance in Thailand.

You can get great coverage in Thailand using Thai insurers, but you have to pay it for decades and it has to be bundled with a life insurance for best coverage. Then the age limit and pre existing conditions won't matter.

My wife in canada now gets everything 100% free, including dental and meds if she ever needs them, but she still pays around 30,000b per year for her Thai health/life insurance that she has been paying for 2 decades. If you buy a policy from a bargirl in Pattaya you get what you pay for. Persistent payments are the key. My wife will be fully insured at best private hospitals if she goes back to Thailand even at the age of 80.

1 hour ago, Celsius said:

3 years ago is not today.

So very deep!

If you had proof that the public hospital fee structure for foreigners has changed in the last three years, you already failed to provide it to us.

We must conclude your opinion is not informed by the facts.

Ipso de facto.

1 hour ago, Celsius said:

3 years ago is not today.

So, no evidence that public hospital fee structures have changed in the last three years otherwise you would have posted the evidence here.

In other words, your opinion is fact free.

Ipso de facto. 😀

https://grammarist.com/wp-content/uploads/Ipso-Facto-Meaning-Examples-1.png

On 6/25/2026 at 6:53 PM, unblocktheplanet said:

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

They are counting on the Great Stress that many encounter when trying to get the coverage they believe they are due .

I know it would probably KILL me .

Still self-insure ....... still way ahead of the game.

14 hours ago, Luuk Chaai said:

too funny .. imagine a titanium implant .. for a fractured "knob" .. talk about a stiffy

More expensive than a dildo!

On 6/25/2026 at 10:23 AM, djs2799 said:

Bangkok Hospital, Udon Thani. Double knee replacement...400K. They said I got Thai price.

An acquaintance paid close to B700,000 all in at Phiya Thai Hosp. in Bangkok for double knee replacement, 2 surgeries 3 weeks apart.

On 6/26/2026 at 12:22 PM, Real Name Hidden said:

Gastrectomy at Bangkok Hospital, 12 days, 1.4 mil

Excuse my ignorance but is that the same as surgical weight-loss procedure?

Felt

2 minutes ago, Felt 35 said:

Excuse my ignorance but is that the same as surgical weight-loss procedure?

Felt

No, it was an emergency procedure, but I've lost weight as a result.

Edited June 29Jun 29 by Real Name Hidden

9 minutes ago, Real Name Hidden said:

No, it was an emergency procedure, but I've lost weight as a result.

Ok, thanks.

Felt

I have enough cash to self insure but still have local insurance too. One large incident could put a dent in the cash, so feel it is worth the cost. Insured with Thai Life for 11 years now and have had about 7 claims both large and small and always paid with no problems. Major one was emergency surgery for my appendix.ER, surgery,1 night ICU and 2 nights in a suite at Bangkok Hospital Chantiburi all in insurance paid everything 350,000 Baht. Plus gave me 3,000 Baht cash for being in the hospital.

I agree with the accident insurance, at least you have a card in your pocket if you are unconscious so the hospital would at least look at you.

Asking for a friend, age 42. He is looking to buy some accident insurance. He lives in Thailand full time, married to a Thai lady and had one child with her. Can anyone recommend a good company to buy accident insurance? He said Bangkok Bank was trying to sell him insurance. Thank you for any info.

Edited Monday at 01:06 PM2 days by how241

On 6/27/2026 at 12:52 AM, gargamon said:

The high quality Canadian doctors had been trying to figure out the anemia for 15-20 years. Bumrungrad, 5-6 days. Canadian health care sucks.

Give me a break. My wife just had a blood test. She is slightly anemic. It literally says iron deficiency on her blood test.

What is there to figure out?

3 hours ago, how241 said:

Asking for a friend, age 42. He is looking to buy some accident insurance. He lives in Thailand full time, married to a Thai lady and had one child with her. Can anyone recommend a good company to buy accident insurance? He said Bangkok Bank was trying to sell him insurance. Thank you for any info.

He should get through a reliable broker. Does not cost more, and a good broker will help with claims.

Suggest AA Brokers https://aainsure.net/

8 hours ago, how241 said:

Asking for a friend, age 42. He is looking to buy some accident insurance. He lives in Thailand full time, married to a Thai lady and had one child with her. Can anyone recommend a good company to buy accident insurance? He said Bangkok Bank was trying to sell him insurance. Thank you for any info.

The one with the highest cover and I have is Axa, 200k medical cover about 6k baht or double the cover and premium. Covers motorbikes

I claimed recently and Bangkok Pattaya Hospital did the claim direct, hand over the card, a friend did the same.

I would go direct to their office on Sukhumvit Naklua if near Pattaya, i find dealing with the broker a ball ache

Edited Monday at 09:23 PM2 days by scubascuba3

8 hours ago, Celsius said:

Give me a break. My wife just had a blood test. She is slightly anemic. It literally says iron deficiency on her blood test.

What is there to figure out?

The likely first candidate is bleeding somewhere in the GI tract, not iron deficiency. Sometimes cancer related. Loss of blood means loss of iron. And in my case it's the reduced ability of the stomach to absorb iron, pretty rare compared to cancer.

Edited Monday at 10:02 PM2 days by gargamon