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thelovedone

Thai Social Security Benefits and Payments

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I will finish my employment in March 2019. I have been employed in Thailand on and off for around 10 years.

 

I have Social Security payments deducted each month from my salary and have a current  Thai medical/hospital benefits card.

 

I was told by the company that i can continue to make my SS personal contribution each month (after i finish this contract) and retain my medical/hospital benefits even though i am no longer working. And continue to to that until the age of 60 years.

 

Or i can close off the SS account and claim the baht balance in the account. 

 

Anyone have any experience on this or confirm if that information is correct?

 

Thanks

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They are correct. You need to go to your Social Security Office within 6-months to file for continuation of your medical benefits. You are also covered for the next 6-months from your retirement. I was at the Phyathai hospital this week and all was 100% covered. They also told me my regular medicine I take is fully covered.

 

Send an email to [email protected] with all your questions. They respond in English and will send you links to the forms and a list of all documents you will need to take with you. You will need to translate English documents to Thai. If you tell them where you live they will let you know which is the closest office. I sent me questions on a Saturday morning and they got back in the afternoon.

 

I am still working through the process, but you will need a Thai translator to go to the office with you. The one in Sriracha has little or no English assistance. I went with my Thai wife.

 

For complete medical coverage at  yearly cost of a little over 5,000 baht, your crazy not to take it. Still not sure if you can pay by year or if it has to be a monthly counter payment. Will let you know after my next visit in March. Also wait at least one month after your retirement before going to the office.

 

Regards,

Ken

 

 

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By the way it goes beyond 60. I am 66 and just applying for the coverage. No age limit.

 

Ken

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Thanks for the info KhunKenAP. Very helpful.

Agreed it seems extremely good value for medical cover and some peace of mind.  Although i have never actually used the benefits scheme , by going  into a hospital to seek treatment. 

A couple of other questions ....my nominated hospital on the card is Kluay Narm Thai Hospital in BKK.....

1.Can i use any government hospital anywhere in Thailand for treatment? 

2.What is the broad extent of inpatient/out patient cover 

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What about claiming the pension contributions that have been made.

 

Have heard 2 things:

1.  Can receive lump sum of pension amount after retirement, but then cannot get health insurance

2.  Can receive lump sum immediately, then covered by free SS health insurance for 6 months, and after that have to pay small premium each month to continue the SS health coverage.

 

Anyone know which is correct?

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2 hours ago, leddie said:

What about claiming the pension contributions that have been made.

 

Have heard 2 things:

1.  Can receive lump sum of pension amount after retirement, but then cannot get health insurance

2.  Can receive lump sum immediately, then covered by free SS health insurance for 6 months, and after that have to pay small premium each month to continue the SS health coverage.

 

Anyone know which is correct?

I also don't understand the pension entitlement part (contributions or benefit) I see a total amount on my statement ,detailing contributions for each year of several years ago but not sure how much of that total i can claim as a lump sum or monthly payment?

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anyone has information how long one has to be employed for being accepted in the medical scheme ?

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My experience at the end of the 00s was that after being made redundant I claimed back my contributions plus interest (but not including the current year as their system couldn't handle it). I was then covered for free for 6 months. After 5.5 months I re-registered and began paying my own contributions (now 432 baht per month) via direct debit from K-bank. This reset my pension entitlement back to 0 years, but my pension would have been minuscule and I believe to claim it I would forfeit the medical coverage. So no problem, really.

 

Normally you choose a hospital in your area, but the big government hospitals all have a full quota so you are left with small private hospitals. Kluay Nam Thai is not a good hospital!

 

Normally, you can only change hospital in January each year, but recently there have been exceptions for some reason. Last year I happened to be at Bangna 1 hospital ( a long way from my home) and they kind of invited me to switch to them. They handled everything and it took two weeks. It is a fairly reasonable medium sized private hospital but itis easier if you speak Thai or have the wife on hand. Quite convenient as you can get the BTS to Udomsuk, catch the free shuttle bus to Central Bangna and then walk over the pedestrian bridge.

 

If you deal with Social Security, Silom branch is more familiar with foreigners. Better than Din Daeng.

 

Recently, I had to start taking some chronic pain medication, probably for life - Social Security covers this, and it would have cost me more than 432 baht a month. That makes it all worthwhile for me. But these small or medium hospitals generally only have specialists coming one day or a half day each week. Also, they seem to only have cheaper generic drugs. If your condition requires more expensive imported meds, you'll probably have to pay. I've had physio on Social Security and it wasn't bad, but not up to the standard of big private hospitals.

 

As a comparison, I registered with Ramathibodi Hospital (really need to speak Thai to register and get around here) as a private patient. Saw a top neurologist who spoke fluent English. Because I could show three years of annual tax receipts, I was eligible for the "Thai price." The price was reasonable and they had all kinds of drugs available, local and imported. However, it took a month to get an appointment and I was told the normal system is to arrange a regular monthly appointment rather than calling up as and when needed. Not very convenient.

 

Overall, SS is worth it, but have a backup in case you need more than it can provide.

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On 2/23/2019 at 5:02 AM, KhunKenAP said:

They are correct. You need to go to your Social Security Office within 6-months to file for continuation of your medical benefits. You are also covered for the next 6-months from your retirement. I was at the Phyathai hospital this week and all was 100% covered. They also told me my regular medicine I take is fully covered.

 

Send an email to [email protected] with all your questions. They respond in English and will send you links to the forms and a list of all documents you will need to take with you. You will need to translate English documents to Thai. If you tell them where you live they will let you know which is the closest office. I sent me questions on a Saturday morning and they got back in the afternoon.

 

I am still working through the process, but you will need a Thai translator to go to the office with you. The one in Sriracha has little or no English assistance. I went with my Thai wife.

 

For complete medical coverage at  yearly cost of a little over 5,000 baht, your crazy not to take it. Still not sure if you can pay by year or if it has to be a monthly counter payment. Will let you know after my next visit in March. Also wait at least one month after your retirement before going to the office.

 

Regards,

Ken

 

 

Is that medical insurance ( thai social security insurance  ) also available if i am here on a multiply entry non immigalrant a_o visa ?...or if not which kind of visa i need to be covered with this...? by the way I am married but only local style...my wife works for government ...now i have a bank account that cover accidents...I would be very interested to have a local government health insurance ( w.full cover ) not a private one...

Edited by fouryesrs

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On 2/23/2019 at 11:15 AM, thelovedone said:

Thanks for the info KhunKenAP. Very helpful.

Agreed it seems extremely good value for medical cover and some peace of mind.  Although i have never actually used the benefits scheme , by going  into a hospital to seek treatment. 

A couple of other questions ....my nominated hospital on the card is Kluay Narm Thai Hospital in BKK.....

1.Can i use any government hospital anywhere in Thailand for treatment? 

2.What is the broad extent of inpatient/out patient cover 

1. No. You can only use your nominated hospital, or another hospital they refer you to. You can however change your nominated hospital and that is worth considering. Kluaynamthai is a very small private hospital.  You would be better off IMO nominating a government hospital.

 

2. Pretty much everything, including medication.s

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5 minutes ago, fouryesrs said:

Is that medical insurance ( thai social security insurance  ) also available if i am here on a multiply entry non immigalrant a_o visa ?

No. It is obtained through formal employment, on a work permit. (not including employment in private schools.)

 

Retirees cannot get it unless they obtained it through  having been employed in Thailand in the past.

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I needed a pink ID card to continue coverage with social security. Without the pink ID card, I was told it is not possible to cl

 

I pay 432 THB per month, automatically deducted from my bank account.

 

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I agree that KluayNumThai is not a good hospital! Search around for a better one. 

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I am looking at relocating to Pattaya soon from BKK.....so can anyone recommend a good hospital in Pattaya that i could nominate for my SSO card.

Thanks to all for the input. Just to add another point. The HR dept advise me i can change the nominated hospital up until 31st March.....not sure if this is because my contract expires on the same day or that is coincidental.

 

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Jan 1 - March 31 is a general "open season" for changing hospitals. I think there is exception if you move to another province at other times of the year.

You need to find out what hospitals in Patttaya are open for new SS enrollment; there might not be more than 1 or 2. When you have that info post here and I'll advise.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

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