Availability Of Hep C / Hiv Test Results

[damian5000]

How easy is it for western insurance companies to research this type of thing in Thailand? For instance if I have some positive and try to acquire insurance in the future, how likely are they to find out about tests in Thailand? I realized too late when I registered I could of put down any old name and number as they didn't even look at my passport.

Can anyone suggest a good hospital that can do quite specific tests where they're not going to pay much mind to what I put down on the registration (besides Maharat)?

TIA

-Damian

[reasonstobecheerful]

Are you asking us to help you defraud insurance companies and therefore ourselves?

[damian5000]

Are you asking us to help you defraud insurance companies and therefore ourselves?

LOL...Yea...that's what I was askin'. Any ideas?

[gpt]

Are you really asking the august members of this forum to help you commit a fraud?

[jumnien]

Anonymous testing is not fraudulent, indeed it is the responsible thing to do if you suspect you might be a carrier. Try the Anonymous Testing Office of the Red Cross on the corner of Rajadamri Rd. and Sarasin Rd. near Lumpini Park. Don't future-trip on the results and how you will handle it with your insurance company - just get tested!

[chanchao]

Wow, very helpful again, this forum.

Virtually any hospital can do hiv testing. It varies a bit how long it takes before you get the result, sometimes it's virtually while you wait, at other places they have to call you back or you have to revisit.

Last time I picked the small Klai Mor hospital near Lotus on the Hang Dong Road. But really any hospital will do. I mostly use Lanna Hospital as that's where my social security thingy is. (And it's a VERY good mid-range hospital.. good facilities and fair priced).

But anyway for something as vanilla as a hiv test you can drop into any hospital (and a good number of clinics too who may just have to send the sample somewhere.

You can do it anonymously.

And people, anonymity is a RIGHT, it's not fraudulent, subversive or otherwise dodgy.

[john b good]

Wow, very helpful again, this forum.

Virtually any hospital can do hiv testing. It varies a bit how long it takes before you get the result, sometimes it's virtually while you wait, at other places they have to call you back or you have to revisit.

Last time I picked the small Klai Mor hospital near Lotus on the Hang Dong Road. But really any hospital will do. I mostly use Lanna Hospital as that's where my social security thingy is. (And it's a VERY good mid-range hospital.. good facilities and fair priced).

But anyway for something as vanilla as a hiv test you can drop into any hospital (and a good number of clinics too who may just have to send the sample somewhere.

You can do it anonymously.

And people, anonymity is a RIGHT, it's not fraudulent, subversive or otherwise dodgy.

quote:

It is (fraudulent) if you then apply for insurance claiming not to have AID's when you know in fact that you have.

It is no different from any pre-existing condition.

If you withhold information which the insurance company later discovers you will have no insurance cover on that particular condition (s)

And then add in a criminal charge on top.

It is the same as having an accident in your car and then taking out an accident cover and then expecting the company to repair the car.

This was a well known ploy here in Thailand and one international company that I know of (QBE) implemented pre-cover inspections of the motor vehicles as it was costing them a fortune.

Edited December 15, 2006 by john b good

[Puwa]

Don't kick a man when he's down. This is a real life dilemma for him, not a classroom debate on ethics.

[john b good]

Don't kick a man when he's down. This is a real life dilemma for him, not a classroom debate on ethics.

I would never kick him when he is down and would have every sympathy for him if he were to be found positive.

He was however asking a question as to whether he could in all truth defraud an insurance company (and get away with it)

You and I (and all other honest policy holders) would then be underwriting his criminal efforts.

[lannarebirth]

Don't kick a man when he's down. This is a real life dilemma for him, not a classroom debate on ethics.

I would never kick him when he is down and would have every sympathy for him if he were to be found positive.

He was however asking a question as to whether he could in all truth defraud an insurance company (and get away with it)

You and I (and all other honest policy holders) would then be underwriting his criminal efforts.

That's OK with me.

[Rasseru]

That's OK with me.

It's not OK with me.

[john b good]

That's OK with me.

It's not OK with me.

Thanks Rasseru.

It's nice to see I'm not the only one with any personal integrity or ethics.

Where would the world be if we all took a "it's not my problem, so I will look the other way" attitude.

[lannarebirth]

That's OK with me.

It's not OK with me.

Thanks Rasseru.

It's nice to see I'm not the only one with any personal integrity or ethics.

Where would the world be if we all took a "it's not my problem, so I will look the other way" attitude.

That's not how I view it. I understand it's against their rules. It's just that I place a higher value on a persons life than I do in maintaining arbitrary rules in all cases. If you had a dying person in your car. would you exceed the speed limit getting to the hospital, maybe run a red light if possible? Good rules till a greater need arises.

[SamSipEt]

Don't kick a man when he's down. This is a real life dilemma for him, not a classroom debate on ethics.

I would never kick him when he is down and would have every sympathy for him if he were to be found positive.

He was however asking a question as to whether he could in all truth defraud an insurance company (and get away with it)

You and I (and all other honest policy holders) would then be underwriting his criminal efforts.

That's OK with me.

Not OK at all.

Why should I/you/everyone subsidize another person who knowingly rips us off? I know that it happens in many different ways but that doesn’t mean that I have to agree with it.

However, I do agree that anonymous testing should be available but if that person then takes out medical insurance after being found positive then that is a criminal offense and should be treated as such.

[lannarebirth]

Don't kick a man when he's down. This is a real life dilemma for him, not a classroom debate on ethics.

I would never kick him when he is down and would have every sympathy for him if he were to be found positive.

He was however asking a question as to whether he could in all truth defraud an insurance company (and get away with it)

You and I (and all other honest policy holders) would then be underwriting his criminal efforts.

That's OK with me.

Not OK at all.

Why should I/you/everyone subsidize another person who knowingly rips us off? I know that it happens in many different ways but that doesn’t mean that I have to agree with it.

However, I do agree that anonymous testing should be available but if that person then takes out medical insurance after being found positive then that is a criminal offense and should be treated as such.

Well, you've certainly got a bettter legal argument than me, I'll grant you that. Still, I would say the ethical / moral dilemma is a grayer area. I hope the fellow tests negative, and it's much ado about nothing.

[SamSipEt]

Still, I would say the ethical / moral dilemma is a grayer area.

Isn't it always?

I hope the fellow tests negative, and it's much ado about nothing.

Agreed - good luck for him. I wouldn't wish such a horrible disease on anyone.

[gpt]

That's not how I view it. I understand it's against their rules. It's just that I place a higher value on a persons life than I do in maintaining arbitrary rules in all cases. If you had a dying person in your car. would you exceed the speed limit getting to the hospital, maybe run a red light if possible? Good rules till a greater need arises.

Now, what type of argument is that? It certainly isn't a logical argument. How can you compare a 'mercy mission' with fraud?

[lannarebirth]

That's not how I view it. I understand it's against their rules. It's just that I place a higher value on a persons life than I do in maintaining arbitrary rules in all cases. If you had a dying person in your car. would you exceed the speed limit getting to the hospital, maybe run a red light if possible? Good rules till a greater need arises.

Now, what type of argument is that? It certainly isn't a logical argument. How can you compare a 'mercy mission' with fraud?

I was only comparing the illegality of the acts. OK, would you break into a pharmacy to get insulin for a diabetic going into shock, knowing you didn't have the means to recompense the owner? Of course we never really know what we'd do till the need arises.

[gpt]

Both the defrauding an insurance company and the speeding are illegal acts, would the police prosecute the motorist for speeding to get medical aid or would they put their 'blues & twos' on and escort them?

You may throw as many of your scenarios at me, my opinion will not change. Fraud is a criminal act - not matter how well intended it is!

[lannarebirth]

Both the defrauding an insurance company and the speeding are illegal acts, would the police prosecute the motorist for speeding to get medical aid or would they put their 'blues & twos' on and escort them?

You may throw as many of your scenarios at me, my opinion will not change. Fraud is a criminal act - not matter how well intended it is!

I don't disagree with that. All I'm saying is, depending on the circumstances, I might do it anyway.

[damian5000]

smiling... This was a great debate. I was only trying to remain anonymous, as I believe is my right. If that means putting a phony name down (which most in here agree is not even needed) then I'll do it. If I'm found positive, guess what I'm not putting that **** down on any insurance paper. To those talking about "breaking the law"....LOL...Ever crossed the road where there wasn't a crosswalk? Ever gone 1 mile over the speed limit? All of these could be construed as criminal acts and could endanger lives...yours as well as other drivers and pedestrians. I've seen it myself with 10 car pileups and vehicles stripped open like tin cans because someone decided to jaywalk. Ever cussed or raised your voice at somebody...that's a form of assault. Play high and mighty all day if you like. Even the judges break the laws...most of them probably every day in small ways. The insurance companies are the frauds and the weasels anyways (speaking generally). Thanks to all who offered suggestions and support.....

Edited December 16, 2006 by damian5000

[lannarebirth]

smiling... This was a great debate. I was only trying to remain anonymous, as I believe is my right. If that means putting a phony name down (which most in here agree is not even needed) then I'll do it. If I'm found positive, guess what I'm not putting that **** down on any insurance paper. To those talking about "breaking the law"....LOL...Ever crossed the road where there wasn't a crosswalk? Ever gone 1 mile over the speed limit? All of these could be construed as criminal acts and could endanger lives...yours as well as other drivers and pedestrians. I've seen it myself with 10 car pileups and vehicles stripped open like tin cans because someone decided to jaywalk. Ever cussed or raised your voice at somebody...that's a form of assault. Play high and mighty all day if you like. Even the judges break the laws...most of them probably every day in small ways. The insurance companies are the frauds and the weasels anyways (speaking generally). Thanks to all who offered suggestions and support.....

I wasn't really defending the actions of scofflaws. My view is, it depends on the circumstances. Laws are in place to protect the many under most circumstances. Sometimes the law gets it wrong.

Here in Chiang Mai if you were to follow the law and cross the street at a crosswalk, likely someone would run you down. You have to weigh your actions, not only in the moment, but the actions leading to that moment.

[damian5000]

smiling... This was a great debate. I was only trying to remain anonymous, as I believe is my right. If that means putting a phony name down (which most in here agree is not even needed) then I'll do it. If I'm found positive, guess what I'm not putting that **** down on any insurance paper. To those talking about "breaking the law"....LOL...Ever crossed the road where there wasn't a crosswalk? Ever gone 1 mile over the speed limit? All of these could be construed as criminal acts and could endanger lives...yours as well as other drivers and pedestrians. I've seen it myself with 10 car pileups and vehicles stripped open like tin cans because someone decided to jaywalk. Ever cussed or raised your voice at somebody...that's a form of assault. Play high and mighty all day if you like. Even the judges break the laws...most of them probably every day in small ways. The insurance companies are the frauds and the weasels anyways (speaking generally). Thanks to all who offered suggestions and support.....

I wasn't really defending the actions of scofflaws. My view is, it depends on the circumstances. Laws are in place to protect the many under most circumstances. Sometimes the law gets it wrong.

Here in Chiang Mai if you were to follow the law and cross the street at a crosswalk, likely someone would run you down. You have to weigh your actions, not only in the moment, but the actions leading to that moment.

Nobody said you were defending actions of scofflaws (??)... There are of course degrees...But who's to say where the line is drawn? It's entirely subjective as is everything else in this universe when it at all pertains to humans and our perceptions and/or beliefs.