A question re Thai Teachers in Private schools welfare scheme.

[BAYBOY]

Just a question...... I teach at a private school. All the Thai teachers at the school are enrolled as members in a welfare scheme giving cover for medical needs. 

A young teacher at the school told me today she has a thyroid problem and has been feeling tired, lack of motivation etc and blames her problem with her thyroid and she needs to see a specialist.

i told her she should go to Siriraj hospital in Bangkok to see a specialist there, and she could use the "30 baht card scheme" as the cover is Universal. 

"No "she and 2 teachers told me, she must use the Teachers welfare scheme. Teachers can not use the 30 baht system. 

Under the Teachers scheme she must pay cash for all OPD visits and if addmitted she has to pay every day for bed, doctor, medicine, etc, and if needed surgery. After all payments have been paid, she then applies to the Teachers welfare scheme and is reimbursed for her outgoings. 

Her problem is that she comes from a very poor family and no way could she front up to a large bill, even 10,000 baht would be too much to find to pay. So she just will continue to have bad health, not helped by a heavy workload at school, teaches 21 hours a week, and her home life is bleak....29 people living in 3 houses together with only 8 wage earners.

I questioned the prepayment scheme..... if one had say major heart surgery costing easily over 200,,000 baht, how would they pay to stay alive if a bill of 10,000 stumps them. 

Surely she could fore go the Teachers scheme and go the 30 baht way. 

Any one have an answer?

CHEERS

BAYBOY.

 

[colinneil]

-BAYBOY sorry but what you are saying about the teachers welfare scheme is wrong.

My wife is a school director, and i am covered by it.

I had a serious accident over 3 years ago, 7 months in hospital, 5 operations.

We never paid 1 baht up front, everything was sorted just by my wifes signature.

Whoever told you about paying up front is talking nonsense.

[BAYBOY]

Colinneil, is your wife a director at a Government school, or a private school?
The school I am at, is a private school which has an affiliation with the Education Dept as I have been told. So maybe there are 3 medical schemes for teachers
A .Government schools,
B. Totally Private schools,
C. Part association with the Government schools.

I was also told today that the scheme at our school does not include family in it's cover, only the actual Teacher.
Cheers
BAYBOY.

[Preacher]

There is no teacher healthcare scheme. As it is a private school, the teachers fall under the health care scheme provided by the social security office. This means they are registered at the social security office and have a card to receive medical care. For the scame they must use the hospital that is designated to them, the designated hospital can refer them to another hospital and then the treatment their is covered. In case of an emergency you can use any hospital.

The scheme works that you pay first and get reimbursed.

 

Collinneil is talking about a completely different scheme, namely the one for government employees. There you can pre register at hospitals and then they will not bill you but send it to the government. Although for some things you still have to pay and you might get partially reimbursed. You are also not limited to only 1 (government hospital) as opposed to the social security scheme.

[colinneil]

11 hours ago, BAYBOY said:

Colinneil, is your wife a director at a Government school, or a private school?
The school I am at, is a private school which has an affiliation with the Education Dept as I have been told. So maybe there are 3 medical schemes for teachers
A .Government schools,
B. Totally Private schools,
C. Part association with the Government schools.

I was also told today that the scheme at our school does not include family in it's cover, only the actual Teacher.
Cheers
BAYBOY.
 

4

Sorry you are not getting truthful answers.

Be very careful, believe me many Thais (wives included) will tell you all kinds of nonsense.

My ex wife was very good at that, tried to get me to pay quiet a large sum, for treatment for her son.

She thought i was stupid, not realising a knew he was covered on her health insurance.

I was told today !! by whom? Get it in writing, then take it well away and get it translated.

I did that once before with my ex, and was shocked when reading the translation.

 

One more thing, both my wife and myself were told farang husbands cannot be covered, again that was lies. My case is a very good example of never believing people here when they say .... cannot... not possible, check every little detail yourself.

Edited June 30, 2017 by colinneil

[kingstonkid]

BAYBOY

 

One of the things i learned is that Thai teachers can be better at scamming farang than bar girls.

 

They make it sound so much more desperate and because they are a teacher they think it gives them more legitimacy.

 

Walk away show empathy to the problem but walk away.  Tell them trhere is nothing you can do.

 

BUT

 

DO NOT GET INVOLVED OR SUCKED IN  YOU ARE IN TOO DEEP AREADY.

 

GET OUT.

[TerryLH]

"The scheme works that you pay first and get reimbursed."

 

You do not have to pay up front if in the Social Security system.

 

 

"Sorry you are not getting truthful answers."

 

The OP is not talking about the same system that you are in.  Teachers at private schools are not in the government civil service system, which you apparently are.

For a long time - and I don't know if this has recently changed - teachers in private schools were not in SS as well.

It sounds to me like they probably have private insurance, or in some, as the OP states, 'welfare scheme' set up for private teachers.

 

OP, ask if the teachers are able to apply in advance to get direct billing to the hospital when they know the amount will be large or they will be in the hospital.

I know of at least one State Enterprise that allows for this. 

[Sheryl]

For reasons I have nevet understood private schools are exempt from the Social Security system. Some provide private insurance (usually lousy polivies with very low covetage). Some provide mothing. I have never heard of a teacher welfare scheme but iy may be something specific to this school. It is definitely not part of the govt systems.

Any Thai mot coveted unfer Soc Sec is eligible under the 30 baht scheme, no exceptions. However she can't just go to Siriraj. She has to ho to the hospital which covers the place whete she is registered in a tabien ban. They will refer her up the line if need be.

[BAYBOY]

Thanks for the replies.

Further..... Today I was to that under the schools scheme, after all payments have been made you submit the receipts and it can take up to 3 months to get your reimbursement.
A teacher whose husband was also teacher but at a Government school, said her husband had major liver problems some years ago and all his treatments were free and he only had to sign, no paper work etc. He died a short time later, and the cover on him, his wife and 3 children also stopped with his death. So she uses the scheme at the school for herself only, all minor costs but still a wait to get monies paid back.
It seems there is the Govt. Social scheme which applies to all who teach at Government schools. No prepay.
The totally Independent private schools have their own schemes.
The private schools who affiliate with the Education Dept. have their scheme, teacher only, and prepay, and are reimbursed sfterwards.This is the system in operation at the school where I work.

My concern was if you do not have the means to pay, and get sick, why can't one then use the 30 baht system also known as the Universal system? No use borrowing a huge sum, and not having the means to repay ......more debt to add to the pile.
Teachers in Thailand do have one of the worst debt problems of any wage earning group. Twenty years ago no teacher, (mainly female) at the school had a car. Today at least 20 out of 40 drive to school, most live within 3 kms of the school. All purchased via easy loans from the Education Dept. Also never 2nd hand cars all brand new.
Cheers BAYBOY.

[Sheryl]

an unhelpful/uncalled for post has been removed.

 

 

[Sheryl]

2 hours ago, BAYBOY said:

....

My concern was if you do not have the means to pay, and get sick, why can't one then use the 30 baht system also known as the Universal system? ...

 

AFAIK they can. The only people who can't are those covered under the Social Security Scheme or the Civil Servant Social Security Scheme. (and foreigners).

[BAYBOY]

greenchair,

Have just read your reply to my OP. and frankly am disgusted by your comment.
If she was 60 years old and fat I would still do something to assist her. My interest in helping her was based on the fact she has a medical problem, and I was trying to help her with the problem.
I have know her for 11 years, she is 37 (I think) married with one child aged 11. Her husband works in a factory and earns a low salary, she helps With her wider family, parents, nieces and newphews, and they are at the lower end of the social scale here.
I am 72 years old, widowed 11 weeks ago. My wife died of complications associated with the radiation treatment she received for brain cancer. Back in 2010 she was found to have brain cancer and was given 18 months to live, had 3 separate treatments ( 2 chemo, 1 radiation) and survived for nearly 8 years.
All her treatments, check ups blood tests were done at Siriraj, and the extra years she had was due to the total care and attention she received over those 8 years from the doctors, nurses and staff.

In fact I rang Siriraj yesterday and my contact there could arrange for this lady to see a thyroid specialist in a few days.

[BAYBOY]

Sheryl thanks for removing that piece of garbage from this thread. Just noticed it your removal of it.
One wonders what some people think at times.
I did not complete my above reply seeing you had just removed it.
Lets leave it at that.
BAYBOY.