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BANGKOK 21 July 2019 00:55
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Expats overwhelmingly support mandatory health insurance of over 50s: Poll

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3 minutes ago, Thomas33399 said:

You are becoming more and more correct. Thailand does not really have that much to offer and it is being made increasingly difficult to live here. But then again, if you like smog, heat, appallingly dangerous roads, poor quality food where almost every dish relies on chillies and other smelly products to make it palatable, food full of carcinogens, noise, mostly parochial people who will never accept you, investing in property you will never be able to own or sell and will most likely see you lose your investment, an extremely poor business environment where  most businesses go broke and it is very difficult (or expensive) to control or work in your own business, very expensive second hand cars, a limited range of motorbikes, being unable to import motorbikes or cars, employers who willingly lie to you, low medical standards in most places, girls who think nothing of, and are practised in, the art of ripping you off, very unattractive scenery compared to most other countries, very limited availability of food  ...... I could keep going. 
I have spent many years here but it really does start to beg the question of why people remain.

Hmm, I'm surprised you're still alive. Reminds me of someone I knew who was diagnosed as a suicide risk.

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6 hours ago, newatthis said:

And I wonder if it will be interpreted that way by the IO's

Well 

at least moving to another province would be easier than moving to another country. 

Hopefully we won’t have to. 

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Just now, The Theory said:

Well 

at least moving to another province would be easier than moving to another country. 

Hopefully we won’t have to. 

 

I'm thinking of telling the wife that the proposed changes mean I will have to spend 6 months of the year in Angeles City. Not my fault tee rak.

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I'm 50  and been in Thailand 10 yrs I always use travel insurance. 

As for health insurance plans your looking between 45 000 to 75 000 b for a good one  that covers up to 2 million b but most  will not l cover existing  medical conditions. Expat health insurance here in Thailand d is a rip off as it's has a ceiling limit. Not unlimited so as a farang you walk into a hospital and pay top  dollar  compared to a thai patient 2 million b doesn't last long. 

But I think anyone living in Thailand without insurance is insane as not if but when something will happen and most time it's not your fault. And no coverage it's pang mak if you go to private. 

 

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1 hour ago, StevieAus said:

On the occasions I have visited both private and public hospitals in Thailand I have never been asked to surrender my passport I have been treated and asked to pay at the end.

I've never known anyone who didn't need to produce a passport--even for a doctor's appointment. I know that is my case. This country is passport crazy. You cannot even mail a letter without a passport. Tops and Lotus and Foodland won't give you a customer discount card/app without a passport. There is simply no way for you to escape from paying what you owe in Thailand. They'll track you down through your passport, your TM 30 now, or your fingerprints when you got a SIM card for your phone.

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6 hours ago, ryane66 said:

I guess in your estimation l am an old greezer. I am 71. Slim and fit. Regular health checkups define me as excellent. I bike 30km EVERY day.

I outworked the younger Thai workers building my home. I really don't think l am close to having a foot in the grave. Pretty sure l could keep up to you.

But I bet you still need the little blue pills for your "recreation "? 😆 

On a more serious note,as an exercising,non smoking or drinking 67 year old myself who can free dive to 12 metres the insurance companies will not be interested in any of that .,.just your date of birth.

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There are a lot of deeply stupid expats in Thailand and their approval of "forced insurance" proves it. Cambodia should send flowers to Thai Immigration. Cambo welcomes retirees with a normal retiree income, ditto for Vietnam. These governments aren't stupid. They KNOW a cash cow when they see one.

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40 minutes ago, steve73 said:

Yes... but it gets the clicks and that's all this forum (or its new masters) really care about..

I personally think this is the worst thing this forum could do.  If someone in govt here could read English (lol) such a flawed survey result could prompt the govt to force it on all long term visa/extension of stay types thinking we all want it.

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49 minutes ago, Letseng said:

No requirements for Cambodia or Vietnam. But you don't want their healthcare either. You end up in Bkk anyway.

Not true anymore but was it ever?

 

My mate broke his wrist in Phnom Penh about 15 years ago while copulating with a brass in the bathtub (Pickled Parrot St. 104) and they did a great job of fixing him up. Nurse was an Aussie too. He elected to fly back to BKK anyway the next morning. 

 

BNH have appeared on the outskirts of Phnom Penh and the other private hospitals are salivating at the prospect.

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Posted (edited)

If you read it, it doesn’t apply if you are already staying here on Non I’m O, so that’s ok.

I don’t support low life getting treated and running out on the bill

Edited by Captain 776
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8 hours ago, SoilSpoil said:

I don't. I like to have choices on life, and would never sign up for an 40k outpatient insurance. Ridiculous.

Although the 40K outpatient is next to nothing in the overall amount of coverage, that actually makes the cost of the insurance premium higher. Frequently used, small money charges have a big impact on insurance premiums because of the administrative costs involved. I have a major medical insurance policy in Thailand because all I need is coverage in the event of a catastrophic medical condition. I pay out of pocket for the doctor visits and outpatient services. Adding in outpatient coverage and doctor visits to my policy would have more than doubled the premium that was already high simply because of my age.
 

The other problem with this requirement is that many insurance companies cut-off insurance coverage at somewhere between 65 and 80 years old. Many won't even write coverage if the person is older than 60, with the rest cutting off new policies at either 65, 70, or a very few that will write new coverage up to age 75. So with the insurance requirement, does that mean if we haven't died by the time we reach the insurance cut-off age, we then have to leave Thailand?

If the government plans to implement this requirement, then they need to also implement a requirement for the insurance companies that in order to do business in Thailand, the companies must insure foreigners at any age and must have premiums controlled so that they are not price gouging on premiums. Premium price gouging seems to be something that some of the foreign health insurance companies that have started to enter the Thai market are experts at doing in their home countries. Particularly publicly listed, USA based insurance companies.

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2 hours ago, Percy P said:

Hospitals require your passport for I'D and registration .Should you skip without paying your Passport No is passed on to immigration and then you are comprehended should you try to skip the Country

How do they comprehend you if you can't speak Thai?

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7 minutes ago, RichardA17 said:

Although the 40K outpatient is next to nothing in the overall amount of coverage, that actually makes the cost of the insurance premium higher. Frequently used, small money charges have a big impact on insurance premiums because of the administrative costs involved. I have a major medical insurance policy in Thailand because all I need is coverage in the event of a catastrophic medical condition. I pay out of pocket for the doctor visits and outpatient services. Adding in outpatient coverage and doctor visits to my policy would have more than doubled the premium that was already high simply because of my age.
 

The other problem with this requirement is that many insurance companies cut-off insurance coverage at somewhere between 65 and 80 years old. Many won't even write coverage if the person is older than 60, with the rest cutting off new policies at either 65, 70, or a very few that will write new coverage up to age 75. So with the insurance requirement, does that mean if we haven't died by the time we reach the insurance cut-off age, we then have to leave Thailand?

If the government plans to implement this requirement, then they need to also implement a requirement for the insurance companies that in order to do business in Thailand, the companies must insure foreigners at any age and must have premiums controlled so that they are not price gouging on premiums. Premium price gouging seems to be something that some of the foreign health insurance companies that have started to enter the Thai market are experts at doing in their home countries. Particularly publicly listed, USA based insurance companies.

You are right, of course. But the government doesn't care. It doesn't matter how logical, fair, or efficient alternatives might be. This is all about getting money out of Westerners. I wonder if any of those Chinese administrators and workers in that Chinese-only city they are building will be required to have the same amount of insurance coverage.

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