ThailandNeil Posted November 23, 2012 Share Posted November 23, 2012 What do you do about health insurance? Just had a bad experience in which a friend was not covered by basic insurance policy and.... Sent from my GT-N7100 using Thaivisa Connect App Link to comment Share on other sites More sharing options...
ThailandNeil Posted November 23, 2012 Author Share Posted November 23, 2012 Bumungrad charged a fortune! Sent from my GT-N7100 using Thaivisa Connect App Link to comment Share on other sites More sharing options...
Support Posted November 23, 2012 Share Posted November 23, 2012 Moving to Insurance Forum Link to comment Share on other sites More sharing options...
stevenl Posted November 24, 2012 Share Posted November 24, 2012 The easiest solution is acquiring health insurance. 1 Link to comment Share on other sites More sharing options...
aussiebebe Posted November 24, 2012 Share Posted November 24, 2012 If your friend is a tourist, he/she should have purchased a travel insurance policy before arriving here; you don't want to be on holiday in Thailand without travel insurance. That would have covered most problems - a common exclusion from most policies is injury resulting from alcohol or drug use, however. If your friend is retired you use the power of google to find an insurance company or a broker and buy a policy from them, as the previous poster suggested. Link to comment Share on other sites More sharing options...
cooked Posted November 24, 2012 Share Posted November 24, 2012 I f you are retired, like me, you are better advised to 'self insure, like I do. These guys will augment the premiums every year, exclude you from heart treatment because you had high blood pressure.. believe me I have looked into it, people that have paid a lot of money over the years finding themselves without cover. Link to comment Share on other sites More sharing options...
stevenl Posted November 25, 2012 Share Posted November 25, 2012 I f you are retired, like me, you are better advised to 'self insure, like I do. These guys will augment the premiums every year, exclude you from heart treatment because you had high blood pressure.. believe me I have looked into it, people that have paid a lot of money over the years finding themselves without cover. Just make sure you have a couple of million Baht available, you probably will need it. Link to comment Share on other sites More sharing options...
cooked Posted November 25, 2012 Share Posted November 25, 2012 Yes I know. I just don't want to find out, as so many others have, that I can't afford the premiums. If I go home I get treatment for free. Actually I have a dead cheap Thai insurance, ฿10 500.- a year but that goes up quite rapidly in premiums after 65. Link to comment Share on other sites More sharing options...
canopus1969 Posted November 25, 2012 Share Posted November 25, 2012 Yes I know. I just don't want to find out, as so many others have, that I can't afford the premiums. If I go home I get treatment for free. Actually I have a dead cheap Thai insurance, ฿10 500.- a year but that goes up quite rapidly in premiums after 65. Unless you are very young, you will also have ‘dead cheap’ benefits should you ever need to claim ! Link to comment Share on other sites More sharing options...
oldsailor35 Posted November 25, 2012 Share Posted November 25, 2012 If your friend is a tourist, he/she should have purchased a travel insurance policy before arriving here; you don't want to be on holiday in Thailand without travel insurance. That would have covered most problems - a common exclusion from most policies is injury resulting from alcohol or drug use, however. If your friend is retired you use the power of google to find an insurance company or a broker and buy a policy from them, as the previous poster suggested. Should have purchased ! blah blah blah! If you are a fit 77 and quoted $A3000 plus for six months what options are there ? 1 Link to comment Share on other sites More sharing options...
ThailandNeil Posted November 25, 2012 Author Share Posted November 25, 2012 I do have health insurance just didn't realise it didnt cover out patient ... Sent from my GT-N7100 using Thaivisa Connect App Link to comment Share on other sites More sharing options...
Geratul Posted November 28, 2012 Share Posted November 28, 2012 It's so personal, some like to pay themselves and some like to have a insurance. For me it's important, because I'm still healthy but when you got something, just like my friend unexpected with his heart, he got the hospital bill for THB 578,000 without all the test which still has to come. So I should say, decide your self. Anyway, I looked into it... actually you can find most of the insurance companies by a search-engine and most of them have the information in English. They show the different packages and what's covered. I know it's not the most pleasand activity, but I think it's important enough. Eventually I choose Thai Health Insurance. Not the cheapest but also not the most expensive one. I pay for my package (in- and out patient) THB 16,000 per year (I'm 51 y/o). By the way, I contact them directly and took the policy online. I checked also with a broker and they charged me THB 22,000 per year. So direct contact saves me THB 6,000. Link to comment Share on other sites More sharing options...
mania Posted December 11, 2012 Share Posted December 11, 2012 Yes I know. I just don't want to find out, as so many others have, that I can't afford the premiums. If I go home I get treatment for free. Actually I have a dead cheap Thai insurance, ฿10 500.- a year but that goes up quite rapidly in premiums after 65. Sorry for late question as I am just browsing this forum now. May I ask what insurance company & what the limits are? Link to comment Share on other sites More sharing options...
cooked Posted December 11, 2012 Share Posted December 11, 2012 No problem. I took the above mentioned Thai Health Insurance, I am 64. 1 Link to comment Share on other sites More sharing options...
mania Posted December 12, 2012 Share Posted December 12, 2012 (edited) No problem. I took the above mentioned Thai Health Insurance, I am 64. Thanks will take a look. I am guess it was the simply Healthy plan? May I ask if you have ever had to use it & did all go well? Meaning they accepted it & the insurance paid? Thanks Edited December 12, 2012 by mania Link to comment Share on other sites More sharing options...
somtampet Posted December 12, 2012 Share Posted December 12, 2012 I have been using axa for a few years and for 17,000 baht a year,covers me for 1 million baht.I am 60 yo now,very healthy but one never knows what the near future brings.I also save 10,000 baht a month,and have being doing this for 6 years now,so this hopefuly will cover me for a large bill,as i dont want to touch my stocks and shares/savings bonds 2 Link to comment Share on other sites More sharing options...
cooked Posted December 12, 2012 Share Posted December 12, 2012 I have been using axa for a few years and for 17,000 baht a year,covers me for 1 million baht.I am 60 yo now,very healthy but one never knows what the near future brings.I also save 10,000 baht a month,and have being doing this for 6 years now,so this hopefully will cover me for a large bill,as i dont want to touch my stocks and shares/savings bonds That is more or less the way I plan to go, to be honest I took the insurance so that if I am picked up somewhere the hospital wouldn't be reluctant to take care of me. I don't think you can expect too much for ฿10 000.- a year. Axa gets expensive with time. Link to comment Share on other sites More sharing options...
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