Health Insurance for a Thai Child

[TheRascal]

Hey all,

My friend has a little girl who's had bad luck with accidents and sickness. Staying in hospital seems expensive here and everytime the kid has got sick it's wiped out her savings.

Does anyone have a suggestion for a good health insurance plan for a child with examples of what benefits are provided and costs?

Thanks in advance.

[lopburi3]

Are you asking about Thailand or elsewhere? There is free government healthcare in Thailand so most care is free or very inexpensive. If you are talking about using private hospitals in Thailand that can become expensive but there is seldom any reason to do so for a Thai other than to save time or status; as most of the best doctors work in the government sector. Sorry can not answer on insurance as most Thai do not use.

[JESSVANPELT]

Goo to the Bupa thailand website and put in her particulars and that will give you a good idea of what you will have to spend.

this would be coverage for a 9 year old.

Benefits
(In-patient and Day Case)

Sapphire
฿567 monthly yearly ENQUIRY / PURCHASE Crystal 1
฿701 monthly yearly ENQUIRY / PURCHASE Room & Board per day including nursing service (maximum payable per day) 1,400 2,000 ICU room & Board per day including nursing service (Maximum payable per day) 2,800 4,000

Hospital services

16,000 Full Cover

Surgical fee

22,000 Full Cover

Doctor's visit

300 Full Cover

Energency OPD treatment- first visit within 24 hours of emergency

2,200 Full Cover Overall maximum inpatient benefit 300,000
( Maximum per disability ) 200,000
( Maximum per year ) Personal accident (Orbor 2) 20,000 10,000 Region of Coverage Worldwide Cover (Except in USA) Thailand only No advance payment for hospital in network Additional pay (in percentage) for the excess amount of the basic in-patient benefits 80%

Bone Marrow Transplant, Organ Transplant and Kidney Dialysis Optional Benefit

[JESSVANPELT]

Are you asking about Thailand or elsewhere? There is free government healthcare in Thailand so most care is free or very inexpensive. If you are talking about using private hospitals in Thailand that can become expensive but there is seldom any reason to do so for a Thai other than to save time or status; as most of the best doctors work in the government sector. Sorry can not answer on insurance as most Thai do not use.

CORRECTION: Yes Thailand does have free healthcare but only within the area of where a person lives, so if a lady come to Pattaya and brings here kid here the only way she can get the healthcare transferred is to have a house book locally to provide the the healthcare section in Bang La Mueng. So she needs to own a home her in this province or she needs to find a homeowner who will sponsor her, or let here use the House book.

My girlfriend and her daughter went through this process last week

[lopburi3]

If you rent you should be listed as residing in the property - if you have relatives/family/friends with a home register they will also normally provide this service. The house-book is just a listing of who resides at a location - it is not sponsorship.

[sunnyjim5]

I wonder if the OP is being asked to fund the cost of private insurance ?

Even if the child's mother has failed to register herself and the child with the local authorities the cost of treating the child in a Government hospital should not "wipe mum out."

Mum can also arrange to pay by installment if that is needed.

[stevenl]

Take into account that preexisting conditions will likely be excluded from cover. And it sounds like there are preexisting conditions.

Edited March 8, 2016 by stevenl

[JESSVANPELT]

If you rent you should be listed as residing in the property - if you have relatives/family/friends with a home register they will also normally provide this service. The house-book is just a listing of who resides at a location - it is not sponsorship.

I'a, not arguing with you..I'am telling you what they had to do.

[JESSVANPELT]

If you rent you should be listed as residing in the property - if you have relatives/family/friends with a home register they will also normally provide this service. The house-book is just a listing of who resides at a location - it is not sponsorship.

residing in a location makes you a resident of the province , hence then you can get local coverage...prety simple

[chopin2]

Goo to the Bupa thailand website and put in her particulars and that will give you a good idea of what you will have to spend.

this would be coverage for a 9 year old.

Benefits

(In-patient and Day Case)

Sapphire

฿567 monthly yearly ENQUIRY / PURCHASE Crystal 1

฿701 monthly yearly ENQUIRY / PURCHASE Room & Board per day including nursing service (maximum payable per day) 1,400 2,000 ICU room & Board per day including nursing service (Maximum payable per day) 2,800 4,000

Hospital services

16,000 Full Cover

Surgical fee

22,000 Full Cover

Doctor's visit

300 Full Cover

Energency OPD treatment- first visit within 24 hours of emergency

2,200 Full Cover Overall maximum inpatient benefit 300,000

( Maximum per disability ) 200,000

( Maximum per year ) Personal accident (Orbor 2) 20,000 10,000 Region of Coverage Worldwide Cover (Except in USA) Thailand only No advance payment for hospital in network Additional pay (in percentage) for the excess amount of the basic in-patient benefits 80%

Bone Marrow Transplant, Organ Transplant and Kidney Dialysis Optional Benefit

Major Exclusions: Bacterial infections

So much for "Full Cover"

http://www.bupa.co.th/en/individuals/health-insurance/individual/detail.aspx?iid=13&ifid=45#tab

Edited March 8, 2016 by chopin2

[TerryLH]

The child should have some insurance through their school.

[stevenl]

Goo to the Bupa thailand website and put in her particulars and that will give you a good idea of what you will have to spend.

this would be coverage for a 9 year old.

Benefits

(In-patient and Day Case)

Sapphire

฿567 monthly yearly ENQUIRY / PURCHASE Crystal 1

฿701 monthly yearly ENQUIRY / PURCHASE Room & Board per day including nursing service (maximum payable per day) 1,400 2,000 ICU room & Board per day including nursing service (Maximum payable per day) 2,800 4,000

Hospital services

16,000 Full Cover

Surgical fee

22,000 Full Cover

Doctor's visit

300 Full Cover

Energency OPD treatment- first visit within 24 hours of emergency

2,200 Full Cover Overall maximum inpatient benefit 300,000

( Maximum per disability ) 200,000

( Maximum per year ) Personal accident (Orbor 2) 20,000 10,000 Region of Coverage Worldwide Cover (Except in USA) Thailand only No advance payment for hospital in network Additional pay (in percentage) for the excess amount of the basic in-patient benefits 80%

Bone Marrow Transplant, Organ Transplant and Kidney Dialysis Optional Benefit

Major Exclusions: Bacterial infections

So much for "Full Cover"

http://www.bupa.co.th/en/individuals/health-insurance/individual/detail.aspx?iid=13&ifid=45#tab

Not correct.

Bacterial infections are excluded on the accident policy, which provides clarity since an bacterial infection is not an accident. On the health policy bacterial infections are covered.

[chopin2]

Goo to the Bupa thailand website and put in her particulars and that will give you a good idea of what you will have to spend.

this would be coverage for a 9 year old.

Benefits

(In-patient and Day Case)

Sapphire

฿567 monthly yearly ENQUIRY / PURCHASE Crystal 1

฿701 monthly yearly ENQUIRY / PURCHASE Room & Board per day including nursing service (maximum payable per day) 1,400 2,000 ICU room & Board per day including nursing service (Maximum payable per day) 2,800 4,000

Hospital services

16,000 Full Cover

Surgical fee

22,000 Full Cover

Doctor's visit

300 Full Cover

Energency OPD treatment- first visit within 24 hours of emergency

2,200 Full Cover Overall maximum inpatient benefit 300,000

( Maximum per disability ) 200,000

( Maximum per year ) Personal accident (Orbor 2) 20,000 10,000 Region of Coverage Worldwide Cover (Except in USA) Thailand only No advance payment for hospital in network Additional pay (in percentage) for the excess amount of the basic in-patient benefits 80%

Bone Marrow Transplant, Organ Transplant and Kidney Dialysis Optional Benefit

Major Exclusions: Bacterial infections

So much for "Full Cover"

http://www.bupa.co.th/en/individuals/health-insurance/individual/detail.aspx?iid=13&ifid=45#tab

Not correct.

Bacterial infections are excluded on the accident policy, which provides clarity since an bacterial infection is not an accident. On the health policy bacterial infections are covered.

Then i would like to know why bacterial infections are excluded under "personal accidents", seems pretty strange to me. Makes me wonder how BUPA defines "personal accident". If my child suffers from bacterial meningitis, is that an accident?

[sunnyjim5]

Goo to the Bupa thailand website and put in her particulars and that will give you a good idea of what you will have to spend.

this would be coverage for a 9 year old.

Benefits

(In-patient and Day Case)

Sapphire

฿567 monthly yearly ENQUIRY / PURCHASE Crystal 1

฿701 monthly yearly ENQUIRY / PURCHASE Room & Board per day including nursing service (maximum payable per day) 1,400 2,000 ICU room & Board per day including nursing service (Maximum payable per day) 2,800 4,000

Hospital services

16,000 Full Cover

Surgical fee

22,000 Full Cover

Doctor's visit

300 Full Cover

Energency OPD treatment- first visit within 24 hours of emergency

2,200 Full Cover Overall maximum inpatient benefit 300,000

( Maximum per disability ) 200,000

( Maximum per year ) Personal accident (Orbor 2) 20,000 10,000 Region of Coverage Worldwide Cover (Except in USA) Thailand only No advance payment for hospital in network Additional pay (in percentage) for the excess amount of the basic in-patient benefits 80%

Bone Marrow Transplant, Organ Transplant and Kidney Dialysis Optional Benefit

Major Exclusions: Bacterial infections

So much for "Full Cover"

http://www.bupa.co.th/en/individuals/health-insurance/individual/detail.aspx?iid=13&ifid=45#tab

Not correct.

Bacterial infections are excluded on the accident policy, which provides clarity since an bacterial infection is not an accident. On the health policy bacterial infections are covered.

Then i would like to know why bacterial infections are excluded under "personal accidents", seems pretty strange to me. Makes me wonder how BUPA defines "personal accident". If my child suffers from bacterial meningitis, is that an accident?

More likely a failure of the parents have the child vaccinated.

Are there any other "illnesses" you would like classified as "accidents" ?

[chopin2]

There is no vaccin that covers for all kinds of bacterial meningitis, so you cannot blame the parents for that.

What i would like to know is why bacterial infections are excluded. When is a bacterial infection a personal accident?

Edited March 13, 2016 by chopin2

[stevenl]

There is no vaccin that covers for all kinds of bacterial meningitis, so you cannot blame the parents for that.

What i would like to know is why bacterial infections are excluded. When is a bacterial infection a personal accident?

A bacterial infection is never a personal accident. It is an illness, therefore covered under health insurance and not under accident insurance. Edited March 14, 2016 by stevenl

[chopin2]

There is no vaccin that covers for all kinds of bacterial meningitis, so you cannot blame the parents for that.

What i would like to know is why bacterial infections are excluded. When is a bacterial infection a personal accident?

A bacterial infection is never a personal accident. It is an illness, therefore covered under health insurance and not under accident insurance.

You are absolutely right, bacterial infections should not be considered as personal accidents. Yet, that's what is written on their website.

Printing gremlins, of course. Case closed

[stevenl]

There is no vaccin that covers for all kinds of bacterial meningitis, so you cannot blame the parents for that.

What i would like to know is why bacterial infections are excluded. When is a bacterial infection a personal accident?

A bacterial infection is never a personal accident. It is an illness, therefore covered under health insurance and not under accident insurance.

You are absolutely right, bacterial infections should not be considered as personal accidents. Yet, that's what is written on their website.

Printing gremlins, of course. Case closed

No, it is not. It is written as 'excluded under the accident policy'. You obviously find that confusing, others may appreciate the clarity.