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Health insurance mandatory for long-stay foreigners in Thailand

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43 minutes ago, ocddave said:

Is it possible to ring up a 32,000,000 baht medical bill in Thailand? Damn, that would be impressive!

I agree. Too much coverage is almost as bad as no coverage. Just throwing money out the window. For 32,000,000 baht you could get a new heart, lungs, knee and hip replacement and still have some left over for a new liver. Too much coverage.

 

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2 hours ago, HuskerDo said:

Which railroad did you work for? If your doctor friends simply respond with "then don't do that" when you tell them "it hurts when I do this" then maybe insurance is a good investment. 🙂 

Railroad?  Some of you people need to cut back on the medication.  You reason irrationally

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4 minutes ago, GinBoy2 said:

Actually ALL US medical insurance now accepts pre existing conditions Medicare or not, so I'm not sure what that guy was talking about

I'm not sure that all U.S. medical insurance does

 

I know that employer group plans certainly do and policies sold on the government exchanges do as well, but not all citizens have access to the exchanges;

 

It's unfortunate that the exchanges aren't functioning as intended because a lot of the big insurance companies have withdrawn - when I last looked at coverage available where I live, it was not very good and fairly expensive

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5 minutes ago, gentlemanjackdarby said:

I'm not sure that all U.S. medical insurance does

 

I know that employer group plans certainly do and policies sold on the government exchanges do as well, but not all citizens have access to the exchanges;

 

It's unfortunate that the exchanges aren't functioning as intended because a lot of the big insurance companies have withdrawn - when I last looked at coverage available where I live, it was not very good and fairly expensive

Everyone has access to an exchange.

 

If your State, as does mine in South Dakota, doesn't have an exchange, you simply log in to the Federal exchange.

I know because I did it

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17 hours ago, bkk6060 said:

NO

 

Those that think it does are flat wrong....

 

If you have Medicare Advantage, your policy probably offers emergency cover when out of area including abroad (mine does) but it will not cover routine, long term, chronic, or any other treatment that is not an emergency.

 

So if you are in an accident or have a stroke or heart attack you will be reimbursed but if eg you have diabetes, CKD, CHD, etc you will not be covered.

 

 

 

 

 

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4 hours ago, onera1961 said:

Does medicare advantage covers in Thailand? 

Mine covers me everywhere, same benefits in and out of network. Outside the U.S. it covers emergency care, urgent care, and non-emergency care. Copied from my summary of benefits:

 

Quote

 

Benefits In-Network Out-of-Network
Emergency Care $50 copay (worldwide)
If you are admitted to the hospital within 24 hours,
you pay the inpatient hospital copay instead of the
Emergency copay. See the “Inpatient Hospital Care”
section of this booklet for other costs.
Your benefit includes Non-emergency world-wide
care for 20% coinsurance up to a maximum benefit of
$5,000 per year.


Non-emergency world-wide care does not apply to your
out-of-pocket maximum. A medical emergency is when
you, or any other prudent layperson with an average
knowledge of health and medicine, believe that you
have medical symptoms that require immediate medical
attention to prevent loss of life, loss of a limb, or loss of
function of a limb. The medical symptoms may be an
illness, injury, severe pain, or a medical condition that is
quickly getting worse.
Urgently Needed Services $35 copay (worldwide)
If you are admitted to the hospital within 24 hours, you
pay the inpatient hospital copay instead of the Urgently-
Needed Services copay. See the “Inpatient Hospital
Care” section of this booklet for other costs.
Urgently needed services are provided to treat a
non-emergency, unforeseen medical illness, injury,
or condition that requires immediate medical care.
Worldwide coverage is included when medical services
are needed right away because of an illness, injury, or
condition that you did not expect or anticipate, and you
can’t wait until you are back in our plan’s service area to
obtain services.

 

 

It's through my retirement plan and did require me to sign up for Medicare Part B. But I get the Medicare Advantage, a wellness program, and other things for free. My BCBS was better, but at 65 had to change - BCBS has an actual network here, the problem was local providers even in network weren't really familiar with using a plan designed for States. It's also much better in the U.S. and territories, which is one reason I decided to move back home, though the changes made that a much easier decision.


 

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Posted (edited)

That is not a new  https://voicetv.co.th/read/547_x_5fP

https://longstay.tgia.org/

APRIL 3, 2019

Mr. Natthaporn Jatusripitak Deputy Prime Minister for Economic Affairs Revealed that the Cabinet meeting (Cabinet) on April 2, passed a resolution approving the addition of the provision of health insurance for foreigners who have applied for a temporary visa Non-Immigrant Visa OA Code (1 year period) as proposed by the Ministry of Public Health

The Ministry of Public Health reported that many foreigners have come to Thailand and there is a need to receive medical treatment in hospitals in Thailand. But there is not enough capital to be used as medical expenses, causing bad debt to hospitals, especially in public hospitals around the country

In order to create a mechanism and measures to protect foreigners in health The government therefore needs to push the policy to make health insurance for foreigners traveling to the country. In the initial stage of the policy, the Royal Thai Police considered and agreed to conduct a pilot in the group of aliens who had requested a temporary visa. Non-Immigrant Visa OA Code (1 year period) due to the applicantThe group refers to all alien groups of nationalities who are 50 years of age or older, with a validity period of 1 year and can stay on yearly. Which is a group of elderly people who have a chance to experience health problems more than those applying for other types of signature

 

Which has considered and considered that the criteria for consideration for permission to allow foreigners to apply for a temporary visa Non-Immigrant Visa OA code (1 year period) to provide Thai health insurance coverage throughout the period of stay in the Kingdom, with the sum insured for medical expenses in the case of outpatient not less than 40,000 baht. In not less than 400,000 baht by purchasing an online policy through the website www.longstay.tgia.org For those who buy health insurance for foreign companies, the amount of insurance must not be less than that of Thai health insurance as wel

Edited by SPREX
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4 hours ago, nongsung said:
4 hours ago, edwinchester said:

I've been an in patient two times in the last three years and both times completed my treatment before paying the bill.

After a cardiac arrest I was in the ICU a couple of days and it was only after 3 days that they politely asked my wife to make a first payment. The rest I paid when I was discharged some days later.

Lucky you. They wouldn't operate on me to remove the kidney stone until I paid up front. So while in a little pain - they gave me drugs - I had to get a taxi to the bank, withdraw 200,000, pay up and was then operated on the same day.

 

Perhaps they just didn't like the look of me.

 

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18 minutes ago, Isaanbiker said:

Time to pack. 

not needed just take the cheapest 400k+ 40k one to be in line with the new rules forget the high cover ones

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May I point out to these legislators hell-bent on forcing insurance on foreigners for their own good that after 70 years of age no insurance company will want to cover these fossils still stumbling around. And even if you have been buying the insurance every year, when you reached age 70 your coverage is stopped. Well now, those legislators who can think (very rare) better come up with a sensible solution - and raising the financial bar on deposits is not sensible. 

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4 hours ago, brewsterbudgen said:
5 hours ago, JetsetBkk said:
 
Nothing about extensions?
 
"According to Nattawuth, the new rule applies to both new applicants for the non-immigrant visa (O-A), which offers a stay of up to one year, and those wishing to renew their visa. Each renewal is valid for one year."
 
 

Yes. Renewing an OA visa, not extending an Extension of Stay.

Semantics. People here often say "renew my retirement visa" when they actually mean "get an extension".

 

Of course, when you criticise them for not using the correct terminology, they usually say "Oh, don't be pedantic, you know what I mean."  :blink:

 

 

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