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BANGKOK 21 July 2019 17:40
webfact

Expats overwhelmingly support mandatory health insurance of over 50s: Poll

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3 hours ago, bluesofa said:

Just about anyone who thinks they can claim it back from your insurance I'd think.

 

Quoted 430000 (73) for that cover ! Anyone have an alternative ?Lots of insurance won't cover past 74.

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2 minutes ago, randy723 said:

wake up I have been living here in Thailand for over 15 years and I am as you say deep rooted. NOTHING in life is free. I make enough money that I pay taxes to Thailand and I believe that most deep rooted people living here do the same and you are VERY wrong when you say that we are not entitled to anything. Wake up if it was not for deep rooted people living here then Thailand would not be as good of a place and safe as it is.

Every time I have been to a hospital in Thailand they make sure you can pay before they even touch you.

So wish your  comment you have made points with the PM but NO one else because what you say is not true.

I have been suspended before for tell what I believe and what is true and they can suspended me again or kick me off this site but wake up you need to say you are sorry for your comments to the good expat that as you call us deep rooted people or research something before you say something

 

At the end of the day we have to rely on our mods to stop this style of posts and decide who is a wind up/rude/.... normally near all these people are baiting with comments and rarely contribute to the topic in the interests of most members

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Posted (edited)

Very nice if you're under 70 and have no prior medical conditions but for us retirees with such the premiums are more than the required minimum set figures so you pay the 440,000 Baht every year whether or not you need any treatment.

I'll give it a month to see what really happens but if they want this money out of me (for practically nothing) I'm off.

Edited by rocketdave
typos
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3 hours ago, holy cow cm said:

Hog wash and that is a fully loaded question.. Not until they real in the boundaries of affordable sensible health care and not the ones gouging the folks as they get older or if you use it then premiums go up or you are simply dropped.. It should be affordable like travel insurance or on the other end one should be able to have a minor deposit in a bank as hospital fund slated for health. How come I did not see this on normal Thai Visa?

Was this poll taken with over 50's only or could teenagers vote. Another question, what is the 800,000 bht requirement in the terms of retirement visa for.  I am a long term expat but over the age of health insurance eligibility, so i will have to DESERT my Thai family.  This latest hurdle we have to jump is cruel, inconsiderate and incompassionate. Another unfair rule made by favoured officials sitting in their stolen positions.  Where are the figures that the government has allegedly had to pay to settle expat hospital bills? When i have used a government hospital, i have always paid the bill as required

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Once again majority being punished because of the minority.

 

As someone commented are the defaulters on payments 2 week tourists or residents? Either way, they should be brought before the courts, made to pay or incarcerated. It is up to the hospitals to report them to the police. Stop them at the airports or go to their homes but don't let them get away with non-payment.

Unlike another 70 year old who can cycle 30 km/day, I already have 3 conditions meaning I need to attend hospital every month and spend a lot of money on medication. I'm happy to pay my bills to receive the treatment; that's just how my life has turned out. I have also used 3 private hospitals and paid in full before discharge.  

If it was possible to buy insurance, they wouldn't pay out because I have existing conditions so I would still need to pay whichever hospital and (if posssible to get) insurance premiums.

 

I agree with a previous posting, how old were the people who voted YES? I have spoken to 10 retired foreigners and only one (aged 55) has insurance. The other nine people are outraged and also state that our local Immigraion Office will introduce their own rules same as they did with me in March concerning the embassy letters.

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3 hours ago, holy cow cm said:

And just how many of those responding to the supposed survey were over 50?, and have deep roots here?, and...

 

Fair point ... TBH every person (Visitor or Expat) no matter what age they are should have compulsory travel or health insurance ... End of

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3 hours ago, Mitkof Island said:

Still as confused as ever. Are they talking about. Type O-A Retirements visas ? Type O Marriage visas ? Those that need no bank accounts that apply for Type O visas in Savannakhet Laos ? And why not mandatory to ALL visas? What about the millions of Full Moon Party idiots who in up in the hospitals and make a dash to the airports without paying?

after noticing your profile picture, i have completely forgotten what the hell we are talking about anyway?  ha ha

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3 hours ago, holy cow cm said:

And just how many of those responding to the supposed survey were over 50?, and have deep roots here?, and...

 

Here lies the problem. First, any teenager could answer this farce of a poll. To have a retirement visa one has to conform with certain financial requirements,. What is this money a guarantee for ? Last, many of us long term expats are over the eligible age for health insurance and have got Thai families. So are we being forced to DESERT them by senior officials sitting in their stolen positions. 

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3 hours ago, bluesofa said:

So it seems as clear as mud then.

While I know there has been no change (yet) regarding changes for Non O extensions, it wouldn't surprise me if some offices might take  it upon themselves to decide what is required.

 

There was a report last week of one office telling an applicant that his 400K Baht for his marriage extension needed to stay in his account for three months after the application.

 

Of course.

 

Rule 1, If you don't know or are in doubt make up your own rule.

Rule 2. Implement the "rule" you just made up.

Rule 3. Don't back down whatever the real rules are.

Rule 4. Pass on the inconvenience to the ones applying, regardless of if you could make it easier.

 

Seems to be the normal approach. Not the individuals vault. Rules are often deliberately vague or leave plenty of room for interpretations.

 

However, for those who have Non-O visas and extended yearly based on retirement, there is now a requirement to keep money in the bank yearly. 800k for 6 months, 400k for 6 months. I suspect many if not most expat retirees here keep something above 800k in their accounts for safety. The issue will be if they have to dip below the 400k to pay a medical bill. Will they be treated sympathetically at their next extension if they have topped up quickly? Or, will it be rules are rules, you must leave and start the process again? We won't know until the dust settles and many have been through it.

 

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Just now, Huckenfell said:

Here lies the problem. First, any teenager could answer this farce of a poll. To have a retirement visa one has to conform with certain financial requirements,. What is this money a guarantee for ? Last, many of us long term expats are over the eligible age for health insurance and have got Thai families. So are we being forced to DESERT them by senior officials sitting in their stolen positions. 

 

Your last sentence is a sad possibility for some. But I doubt will bother those making the decisions and rules one iota.

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I have excellent insurance in the States that is not accepted here. I tested the overseas compensation and found it only reimburses me about 30% of foreign treatment compared to 100% in the States.  Why is the question.  A bill for the same procedure here could be a tenth of the cost at home.  Paying third world hospital bills in full would save them billions over having expats return home for treatment. They should be paying people a 10% cash bonus to travel abroad for treatment.  That being said I would support a mandatory gap insurance for major treatment but for most services I have needed so far I can pay for it with the loose change in my cars center console. Any coverage under 100000 baht would be a waste of my time. 

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I am a longstay Expat in Thailand and not agree to be punished with this mandatory BS, because Tourists without Travelinsurance drain the Healtysystem in LOS.  

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