Health Insurance Options In Thailand

[pgr]

Can anyone please recommend a reasonably priced comprehensive health insurance plan for an expat living in Thailand?

[Sheryl]

Moved to the insurance forum.

Do a search here and you'll find many recs.

[DavidChristensen]

There are many options in relation to expat health insurance Thailand - with considerable flexibility, and in most cases worldwide coverage. Refer to a reputable, licensed insurance broker in Thailand (if you deal through an intermediary located outside Thailand you have no legal protection or comeback on the advice you are given or the products you purchase), and some are geared specifically to help the expat community.

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

[Gerald14]

Any reason why someone would not use the public health system which is free, provided one has a yellow book and is registered in the hospital?

[innerspace]

Any reason why someone would not use the public health system which is free, provided one has a yellow book and is registered in the hospital?

Have you tried it for anything serious? Thought it was cheap but not free. And very limited in what and where it covers.

And to answer your question....yes. As a company director I am rejected.

And to answer the OP. I use thaihealth.co.th. Looks good cover and not that pricy. Given that I havent had to claim in the 363 days I have had it I guess it is doing a good job of keeping me healthy.

[bealus]

There are many options in relation to expat health insurance Thailand - with considerable flexibility, and in most cases worldwide coverage. Refer to a reputable, licensed insurance broker in Thailand (if you deal through an intermediary located outside Thailand you have no legal protection or comeback on the advice you are given or the products you purchase), and some are geared specifically to help the expat community.

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

There are many options in relation to expat health insurance Thailand - with considerable flexibility, and in most cases worldwide coverage. Refer to a reputable, licensed insurance broker in Thailand (if you deal through an intermediary located outside Thailand you have no legal protection or comeback on the advice you are given or the products you purchase), and some are geared specifically to help the expat community.

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

Thought at least I give it a try and have been to some insurance-brokers and as quite expected get many contradictional advices, even for the same insurance-company. Just depends on the brokerage-commission, what is "hell" to one broker, another states it as virtual pot of

gold at the end of the rainbow. Conclusion: For something important as your HEALTH&INSURANCE get your lazy #ss behind the computer

download the their conditions(boring I know, but can be awarding in more than one way)and spend some time choosing the one that

fits your situation the best. In these internet-times why leave the commission to the brokers; because they more competent?

Ask the people in Europe and US who trusted brokers on real-estate, mortgages, investments, capital- and life insurances etc

You trust your butcher to certify his own meat?(some probably will, life is full of choices...)

[DavidChristensen]

There are many options in relation to expat health insurance Thailand - with considerable flexibility, and in most cases worldwide coverage. Refer to a reputable, licensed insurance broker in Thailand (if you deal through an intermediary located outside Thailand you have no legal protection or comeback on the advice you are given or the products you purchase), and some are geared specifically to help the expat community.

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

There are many options in relation to expat health insurance Thailand - with considerable flexibility, and in most cases worldwide coverage. Refer to a reputable, licensed insurance broker in Thailand (if you deal through an intermediary located outside Thailand you have no legal protection or comeback on the advice you are given or the products you purchase), and some are geared specifically to help the expat community.

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

Thought at least I give it a try and have been to some insurance-brokers and as quite expected get many contradictional advices, even for the same insurance-company. Just depends on the brokerage-commission, what is "hell" to one broker, another states it as virtual pot of

gold at the end of the rainbow. Conclusion: For something important as your HEALTH&INSURANCE get your lazy #ss behind the computer

download the their conditions(boring I know, but can be awarding in more than one way)and spend some time choosing the one that

fits your situation the best. In these internet-times why leave the commission to the brokers; because they more competent?

Ask the people in Europe and US who trusted brokers on real-estate, mortgages, investments, capital- and life insurances etc

You trust your butcher to certify his own meat?(some probably will, life is full of choices...)

You forgot to mention the Catholic Church, politicians, the oil and armaments industry, Big Pharma, the Illuminati, and Fortune 500 CEO's.

For brokers commission is basically the same across insurance companies so that removes the motivation for bias to a large extent.

Bypassing a broker won't mean am insurance company will discount their premium for you, and are you seriously thinking you will get anything other than a push for the one company's products by dealing directly with a company employee?

If you use a broker you're entitled to ask why a particular recommendation is made - you are free to follow or not follow that recommendation, or choose to go elsewhere.

Becoming familiar with the various terms and conditions companies have to offer might suit some people but for most the 'information overload' means its not the best plan. So you research and understand the various terms - still you need to have some basis or matrix on which to rate these and weight each attribute.

Even then you're only going to see one dimension - how do you form an opinion on claims payment, service levels, and a range of other 'softer' attributes? Of course there are plenty of experts on this forum to provide guidance!

For me, if I had the chance then every time I would ask the butcher to pick out the best piece if steak for my barbecue - life's too short to think everyone doing their job has an ulterior motive or is incompetent or is out to stiff you - but I also know that does happen so I'm not encouraging naivitee.

[jonnyscot]

I use a medical insurance through my Kbank associated with some insurance company that's tied in with them,, (cant remember their name) it's quite reasonably priced this year it cost me i think 14k for insurance for me alone, cover up to 2 mill baht I think or is it 3mill,, 51 year old non smoker,, although it's tied in with some sort of saving account that I must invest at least 35k in some untouchable account with Kbank each year and can't touch that for at least 5 years.. It has named top provincial hospitals,, wife told me I'll be admitted to good standard of hospital I think samitivej and bumrungrad are included although only if they are closest if I have accident or fall if I'm in Bangkok or wherever,,, suits me since our local hospital is ok for me and since we live about 3 hours drive from bkk, I wouldn't care to be driven there in an emergency,,,

my only concern is it stated only available to people with long term visas or WP's and although the bank took a bit of convincing that my non imm O visa was classed as long term,, they had to call head office first to confirm,,, just hoping they don't bring the uncertainty up again if something did happen that I required to use the insurance,, wouldn't think so as head office were sent copies of my pp and visa before they accepted me

[bifftastic]

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

I'm also interested in researching this subject and would like to find out more, especially the one who you consider to be the most knowledgeable, but I couldn't get the last two of those links to work.

[market trader]

Any reason why someone would not use the public health system which is free, provided one has a yellow book and is registered in the hospital?

Many people try bring up the subject of yellow book and free use of public health system. Truth is 99.9% of the time you will be rejected for free health care.

[PhuketdashScuba]

Any reason why someone would not use the public health system which is free, provided one has a yellow book and is registered in the hospital?

Yes, you're not entitled to use it. There used to be a loophole which was closed, so don't count on this.

[nahkit]

For example AA Insurance Brokers in Pattaya - http://www.aainsure.net/ ... there is BSI Broker http://www.bsibroker.co.th in Bangkok which is where I work ... and the person I consider to be the most knowledgeable and experienced in advising on expat health insurance in Thailand is Tony Dabbs at http://www.e-insurethailand.com ... hope this helps.

I'm also interested in researching this subject and would like to find out more, especially the one who you consider to be the most knowledgeable, but I couldn't get the last two of those links to work.

Hi, those links didn't work for me either, if you hover your mouse over them you'll see that the "www" is missing from the link. Just add that in yourself and the link will work.

[citizen33]

Any reason why someone would not use the public health system which is free, provided one has a yellow book and is registered in the hospital?

Yes, you're not entitled to use it. There used to be a loophole which was closed, so don't count on this.

There was never a genuine loophole: only mistakes from people who did not understand the rules. The National Heath Security Act 2002 remained in force for the whole period and the law did not change,

[stevenl]

Any reason why someone would not use the public health system which is free, provided one has a yellow book and is registered in the hospital?

Yes, you're not entitled to use it. There used to be a loophole which was closed, so don't count on this.

There was never a genuine loophole: only mistakes from people who did not understand the rules. The National Heath Security Act 2002 remained in force for the whole period and the law did not change,

Thanks, I thought 'loophole' was the easiest explanation, but of course yours is the correct one.