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BANGKOK 26 June 2019 13:47
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Expats overwhelmingly support mandatory health insurance of over 50s: Poll

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Posted (edited)
9 hours ago, Geordie59 said:

You have to wonder how they came up with this idea for OA visas but not the Non O based on retirement?

Yet another idea that hasn't been thought through.

I suspect that it will be 'thought through' a little more soon.  Although the statement at the moment says that O-A visas and renewals thereof, it is clear who their target group is........from the Phuket News article.......

“The government has found that foreigners who are in their elder years staying on this type of visa have more health issues than other foreigners staying on other types of visas,’ Dr Nutthawut said."
 

 

Clearly, there is no difference in the likelihood of health issues between an O-A holder and someone on an extension based upon retirement.

 

If I'm right, Dr. Nutthawut will realise that there is a difference between an O-A and a Non O based on retirement.  Even if he doesn't, you can bet your last dollar that some, if not all, immigration offices will interpret the ruling as covering all retirees.

 

 

 

 
 
Edited by KhaoYai
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50 minutes ago, Ricebarnandrooms said:

It is a shame that you dont follow your own name. WAKE UP the majority of expats, ie people who have been here for many years and who respect the fact that they are guests in this country and abide by the laws and immigration requirements without question, and yet you seem to believe that we dont already contribute large sums of money in the form of funds in the bank that we cant use. You fail to recognize that many of us are of an age that insurance premiums if we are accepted are high for those on Thai income base. You haven't considered those who have been refused medical insurance, Why should I after 20 years here be put in the position where I would have to leave. Perhaps we all have an extra 400000 Baht hidden in the sock draw....WAKE UP 

Agree completely.  The Thai authorities have every right to demand that foreigners have health insurance or sufficient funds to pay themselves.  As I asked on the other thread running on this subject, what is the 400,000 in the bank for?  You can't use it for living expenses or anything else so what is it's purpose?

 

OK, 400,000 may not be a lot in terms of medical treatment but under this new rule, its the amount of cover required.

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9 hours ago, billsmart said:

I'd like to see this poll conducted on Expats over 50, not just everyone on Thaivisa...

And only the TV Facebook page at that.  Hardly a large enough sample.

 

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9 hours ago, Topdoc said:

I think if you ask the foreigners, aged over 50, who are living here whether they should be required to have mandatory health insurance, the results would be very different. Some of the comments in the article are not from Thai expats

Sorry - not being pedantic, but "Thai expats" could be better worded - you are implying that the expats themselves are Thai. How about "Expats living in Thailand"?

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8 hours ago, jollyhangmon said:

 

... yep, pushing the insurance scam ... interesting agenda don't ya think ...?!

 

Then we just learned from esteemed colleague <marcusarelus> who is good friends with mr. google too that the total of faulted medbills (not only by tourists) amounts to 9mio USD out of a total health expenditure of 35bn (2020 est.) ... non-starter right there.

 

Tourist revenue 2018: 62bn USD (google) ... next non-starter.

 

In other words: cost of business, and minimal ones at that!

 

And if they put down their vastly overpriced charges in some private hospitals, it would be even more minimal!

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10 hours ago, coxo said:

Health insurance in the form of accident and emergency is ok, as far as outpatient that is just BS.

As you say a fair emergency cover would be fine so that a card could be shown when arriving at a hospital or clinic, with like a car insurance type of 'No Claims' bonus involved, that way it would be a reasonable yearly, monthly payment, then age would not make payments almost impossible, I would think that would keep the Thai authorities happy,then again, not a lot of room for 'maneuvering' cash around.

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8 hours ago, woofwoof said:

My question when you hit 70 what happens when no one wants to cover you. What's the 800,000 baht for if you can't use it to pay the hospital bill?

Oh, you can use it - but only half of it, and only after 6 months have elapsed since you deposited it. Oh,  and you just have to top it up again to 800,000 baht 3 months before your next extension is due.

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Posted (edited)
8 hours ago, Surasak said:

Many people retiring at 65yrs can't get health insurance for one reason or another. NO insurance company will take on anyone past 70 yrs. Insurance companys are natorious for making any excuse not to pay, then how do you cope? All insurance companys are a total rip-off, they do not consider a no claims bonus for health care, just pile on the premiums year after year. 

How many of you people who advocate this insurance, have started out with a reasonable annual premium, only to find it has now gone thru the roof and become unaffordable?

The only point I disagree with in your post is the "NO insurance company .........past 70 years" is wrong.

There are a few that will cover over 70's, but their premiums are way too expensive for me. Also some specify insurance past a certain age on a renewal basis only, but there again - pricey! For example:-

 

 

Coverage3.png

 

Edited by sambum
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3 minutes ago, sambum said:

Oh, you can use it - but only half of it, and only after 6 months have elapsed since you deposited it. Oh,  and you just have to top it up again to 800,000 baht 3 months before your next extension is due.

And a excellent chance the insurance companies will make up any excuse not to pay. And example you pay $2,000 a year at the cheapest rate that covers 400,000 baht about $12,000. In five years time you have already blown the $12,000 . I would prefer just to put the money aside and make a choice myself as to what i do with it. Besides in my case Medicare in the states would cover much. Agree that you should pay for your hospital bills and not be a burden to Thailand. Perhaps have it that the hospital check your bank account and see if you have enough. If not well your dead. I prefer freedom of choice. Worse case you dump the Thai wife and kids and move elsewhere. Enough foreigners leave maybe the government might wake up to the fact their brainstorm idea was a disaster.

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5 hours ago, StevieAus said:

If this is the case then why are the hospitals not being paid?

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.

Perhaps I have an honest face or not considered fit enough to do a runner !!

 

 

that's how it worked for me and my family as well, got to the public hospital, wife had minor surgery, stayed over night, next day was informed that we could check out, nurse handed me the invoice and told me to go to the cashier and return with receipt, need to give her copy (cashier gave me 3 colored receipts 1 for the nurse 1 for the pharmacy and 1 for us) did that she called some office to confirm and we were able to leave, if payment was not made we couldn't have left the room

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Just a thought with this medical insurance, I don't know if its just my limited experience or I'm mistaken, but when I have seen or heard people use medical insurance(not the two week holiday type) not only will the cost jump up but, also they only cover up to so much of the costs,you or claimant have to cover the rest, and if you do make a claim up shoots the premiums the following year.

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Bottom line is many expats are retired military and have Trlcare insurance.  Many hospitals do not do direct billing, the veteran pays and then files a claim for PARTIAL reimbursement.  More often as far as foreigners are concerned it is the visitor to Thailand who rents a motorbike, has an accident and either can't or won't pay for medical care.  A fee should be collected from EVERY visitor say, 500 or 1000 baht to be placed in a  fund for hospitals when foreigners sustain injuries or health issues and do not pay.  For the permanent expat residents, let them self insure putting 400,000 in a fixed account at the bank.  These permanent residents are supporting families in Thailand, providing some electrical, plumbing and other works to others as needed around their homes and family property.  Last, health insurance for anyone over the age of 70 or with preexisting conditions is either totally not available or priced beyond reason. 

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3 minutes ago, eddysmit said:

Just a thought with this medical insurance, I don't know if its just my limited experience or I'm mistaken, but when I have seen or heard people use medical insurance(not the two week holiday type) not only will the cost jump up but, also they only cover up to so much of the costs,you or claimant have to cover the rest, and if you do make a claim up shoots the premiums the following year.

I was denied the cost of "root canal and crown" treatment because their records showed that I had made  a similar claim before! So you are only allowed to have toothache once if you want to claim on the insurance!

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