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Health insurance mandatory for long-stay foreigners in Thailand

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I am not sure why anyone would expect to get free medical care paid for by the Thai government or by Thai citizens. If I didn't have my own insurance I would feel like a parasite, taking advantage of others. 

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4 hours ago, eagleo said:

Is there anyone who has an idea of the difference of a travel vs health insurance?

 

Travel insurance is just for emergencies generally.

 

If you have a heart attack or are hurt in an accident  - OK. But if you get diagnosed with cancer say and are given a couple of years to live, travel insurance won't pay for your treatment unless you are incapacitated. If you are able-bodied and fit to travel, they would expect you to travel back to the country where you bought the policy for free treatment there.

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2 hours ago, macwr1958 said:

I am not sure why anyone would expect to get free medical care paid for by the Thai government or by Thai citizens. If I didn't have my own insurance I would feel like a parasite, taking advantage of others. 

Why not get free medical care in Thailand.....The media is constantly repeating how hospitals in Thailand are passing out free medical care like hotcakes to deadbeat farangs... Need a new hart or liver?...After surgery just tell them you have no money and would they please pay for your surgery with some of that free farang medical care..... 

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On 5/13/2019 at 9:55 PM, webfact said:

 

The insurance policy must offer up to Bt40,000 coverage for outpatient treatment and up to Bt400,000 for inpatient treatment. 

Seems a trivial amount, could not one selfinsure? by demonstrating they had the equivalent of many times Bt400,000?

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2 minutes ago, Basil B said:

Seems a trivial amount, could not one selfinsure? by demonstrating they had the equivalent of many times Bt400,000?

If you could, they would have said you could

 

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On 5/14/2019 at 9:29 AM, Jen65 said:

I am with Pacific Cross and a hefty 48,000 baht premium for a 68 year old !!  ( and I have no health problems - pronounced physically fit at my annual medical )   .  Only problem is the premium goes UP once you reach 70 so heaven knows what it will be and after 75 they don't appear to want to insure you as with most .  Health /Medical insurers must be rubbing their hands with glee at the news - can up their charges , rake in huge new income and likely without any government control !    Why can't the government hospitals offer a plan for expat / long stay residents based on an initial/annual medical and give a listing of medical/operation costs and offer a health insurance policy (possibly with suggested bank deposit to cover expected/unexpected medical costs depending on the individual , age and current health) .  The 800,000 in the bank should be made mandatory for all ( after all it is not that much ) and that form the basis of medical cost coverage .   After all what else is it for ?       

It will be 140,000 baht odd for OPD + IPD without no claim bonus. And believe me, that's a very good deal. If you get prostate cancer, for example, as I did last year, then just the initial IPD treatment is about 400,000 baht, and the cheapest therapy you can get put on will be 160,000 baht a year (hormone therapy). 

 

Pacific Cross cover is excellent for the money, and the Bangkok office is very good in dealing with claims.

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Just now, sprq said:

It will be 140,000 baht odd for OPD + IPD without no claim bonus. And believe me, that's a very good deal. If you get prostate cancer, for example, as I did last year, then just the initial IPD treatment is about 400,000 baht, and the cheapest therapy you can get put on will be 160,000 baht a year (hormone therapy). 

 

Pacific Cross cover is excellent for the money, and the Bangkok office is very good in dealing with claims.

that is, from 71 to 75 years old, annual premium.

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On 5/14/2019 at 4:24 AM, gunderhill said:

Next people  will  buy coverage for the  amount specified and to reduce premiums to as  small as  possible get a massive excess smacked on it.

Be prepared for the longest ever tv  thread!

Been in Thailand for over 11 years 2 years ago changed fro non o to retirement visa I AM 73 years old & find it near impossible to get medical insurance, as are many of My mates on long stay visas  

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Posted (edited)
39 minutes ago, bobinkolat said:

Been in Thailand for over 11 years 2 years ago changed fro non o to retirement visa I AM 73 years old & find it near impossible to get medical insurance, as are many of My mates on long stay visas  

Don't worry, the wunnerful Thai administrators will think of a way.

 

If it is mandatory for, say, a 90-year-old living 'permanently' in Thailand to have health insurance (as it should be), it will be mandatory for Thai insurance companies - or at least those who wish to partake of the profits - to offer cover. The question will be, as always: What's the cover & what's the cost? It would be nice to think that competition between insurance providers might be helpful to customers ...

Edited by mfd101

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12 hours ago, Olmate said:

Suppose it is? And it wouldn’t be Thai price!

Suppose your right.

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12 minutes ago, gmac said:

Interestingly I went to renew my health policy through AA insurance on the day all this broke on Tuesday and was told I needed to change policies as mine didn't have OPD cover.  Having read through this thread and having a non-O retirement extension I returned yesterday intending to tell them that I would continue my current policy as I did not believe this change affected me at this time (maybe later but not now).

 

Before I could say a word they asked all about my visa extension whether it was O or O-A and did I have 800k deposited and confirmed to that the new requirements indeed did not affect me so I could carry on with my old policy as before.

If it plays out that Non-O extensions do not have to get insurance, and Non O-A do, that will certainly be an interesting twist. If I had of come to Thailand on a tourist visa and then switched to Non O and then obtained an extension I would not need to buy insurance. However, came to Thailand on a Non O-A and now would be required.

 

As always we'll have to wait until the last minute to know the details and then how each office will react to the changes.

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Like most here I am s little confused.
I have been here for nine years.

I am on the O-A extension. The said extension due again next August 27.

Is the insurance required for the extension?


Sent from my iPhone using Thaivisa Connect

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