Jump to content
BANGKOK 16 July 2019 11:15
webfact

Mandatory health insurance for foreigners aged over 50 in Thailand - why it may not affect you

Recommended Posts

2 hours ago, riclag said:

 original posting scared the Bejesus out of me

And me.

Share this post


Link to post
Share on other sites
4 hours ago, rayw said:

Well alternatives are available.  Like I hope most folks do, when I retired back in 2003 and moved here from the UK,  where of course we don't need to waste our little available spare money on health insurance, the first thing I did was a no brainer and that was to get myself a health insurance package.  The capital I then had was needed to buy somewhere to live, furnish it and get a car too, so that left me with my regular monthly works pension income and the state lension once I reached 65, and that was enough for my Thai retirement visa requirements as I had planned my retirement pension needs with my work package. 

 

So I checked and found that if you took out cover health insurance here with the then BUPA Blue Cross Insurance (Now Aetna) before the age of 60, then they would guarantee to cover you for life.  True to their word I am 73 now and they still cover me without question with no added pre existing condition exceptions to my cover that I did not start the cover with back in 2003.   Of course the premium has risen quite a lot for me now in the 71 to 75 age group, but that is expected when you are this old.  They also do allow you to pay monthly, interest free and in arrears using an acceptable Thai bank debit card. 

 

To me the two essential things I did, and thoroughly recommend all new reitees here do, and before starting to settle down to having fun here, was to get my driving licence and health insurance sorted.  I always, like most of us I am sure, had been taught from a child to get the work done and out of the way first and only then play.  Absolutely vital and very silly not to get a sutable health insurance cover immediately on retiring here, unless you have a lot of money you can and are prepared to call on it when needed. Few pensioners I know can do that though as most are living okay and reasonably well here from one pension payday to the next, as indeed I do now too. 

 

All I was not happy about with the new proposed visa scheme set oujt here yesterday, was that they were asking for Outpatient cover, which I do not want and should not need to have IMHO, as I am quite happy to pay those small outlays (usually less than a 1000 Baht a visit and often only 200-400 Baht or so unless you go to the expensive big private hospitals) as and when they arise.  Geting OP insruance cover is quite a lot more expensive than OP only which most folks get, and it also is likley each year you would make OP claims and that would mean you do not get any no claim bonus (usually 10% ) back each year when you don't end up in hospital for any illness, which is the casr for most years for most of us. 

 

As a guide I am 73 and have a good Aetna Insurance Emerald plan my monthly premium is for this year now 6740 Baht a month and that gives me 500K per illness cover, 60K Baht accidental death cover, and with 4000 a day for hospital room and service, which is more than enough for a private room at just about all good state hospitals.  Clearly though not enough for the incredibly over priced big private hospital operations that are to theri credit great hospitals (some of them the best in the World I have ever seen), but way way too overpriced and IMHO rip off, and thus for many they easlily end up with some insurance excess to pay after in patient treatment.  Most ordinary poor pensioners I know cannot afford such an excess outlay and thus look for a good Thai state hospital, as most big towns and cities have.  Such a policy for one just under 60 is way way much cheaper and indeed probably less than a 1/3 of that cost for the same cover with 2 cheaper slightly lower cover packages available too.  I have no complaints at all with them and have had several claims over the years I have been here.  In fact I have found them to be first class and extremely helpful when the time comes to need their help when you have to go into hospital.  As I said many alternatives are available but I was just trying to give some useful info as to what is available for those that want it by giving an example of my experience. 

 

To live in Thailand as a falang without any health insurance cover is IMHO very silly and irresponsible.  Getting suitable cover should be one of the very first things you do when you retire here to Thailand before the fun starts. Sorry for long post but wanted to give sufficient info to be useful.

I am glad it worked out well for you - but your situation isn't everyone's situation. I have been in Thailand nearly a decade, have a business, have health insurance, all is well. I moved my parents here 5 years ago, because they could no longer afford to live in California on their fixed incomes. They were 71 and 70 years old at the time. We looked for insurance at that time (and at subsequent times) and the fact is, it's less expensive to pay full rates at the hospital than pay the insurance premiums for people at that age.

Dad passed 2 years ago (and I paid all the hospital bills at full price -- which was still MUCH cheaper than what they would have had to pay in the US under medicaid and their private supplemental insurance combined). Now mom is 75, I am her only family, and insurance is not only expensive at her age, but so far in my research, basically a unicorn. I'll pay the insurance, if I can find any (and I have just started researching, so I may still, but so far I haven't found anything).

 

Irresponsible would have been leaving my parents to live in relative poverty in California. I brought them here so I could take care of them, and so that they could live a reasonably comfortable retirement (still not even close to luxury).

  • Like 1
  • Thanks 1

Share this post


Link to post
Share on other sites
Posted (edited)
2 hours ago, onera1961 said:

He does if someone has a complex situation. But most posters don't have complex situation. 

i have five girlfriends.

 

so you can see why i already have health insurance.

Edited by NCC1701A

Share this post


Link to post
Share on other sites
4 hours ago, SteveBangkok said:

Hi this is incorrect, I work for Pacific Cross and we take on people up to 75 years old. I can see why you think that however as the prices quoted only go up to 65 but we are getting our site updated to include up to 75.

That is really helpful for some, so good. But, my mom is 75 (turning 76 this year). Wanna raise that age limit some more?

Share this post


Link to post
Share on other sites
8 minutes ago, NCC1701A said:

i have five girlfriends.

 

so you can see why i already have health insurance.

Life insurance would be a better bet. 😆😆

  • Haha 2

Share this post


Link to post
Share on other sites
7 hours ago, Krataiboy said:

The threat of having to deal with yet another "refugee crisis" - particularly of the costly sick and elderly - might galvanize them into to lobbying the Thai government for a more humane visa policy.

Go back to 'Merica and they will hand you a pup-tent and show you the street.

  • Like 1

Share this post


Link to post
Share on other sites
8 minutes ago, Ricebarnandrooms said:

By having a facebook poll that the majority of its readers didn't know about was disgraceful

been on this forum 7 years. never seen a poll before the results were announced yet. :clap2:

  • Like 1
  • Thanks 1

Share this post


Link to post
Share on other sites
Posted (edited)
54 minutes ago, malagateddy said:

Sadly my friend is correct in what he told me

Sent from my SM-G7102 using Thailand Forum - Thaivisa mobile app
 

Yes, I guess your friend was correct. The article states anyone on a O-A visa will be required to have medical insurance. The article doesn't say anything about those on O visa extensions.

Edited by BertM
  • Like 1

Share this post


Link to post
Share on other sites
1 hour ago, NCC1701A said:

a friend of mine's wife knows someone who said they were told by their husband that his sister said that this affects expat's pets as well. 

 

like retired cats and dogs will need insurance too.    

So will I have to get health insurance for Lady Roadrunner too!? She already costs me enough.

 

We Farang need some collective way to petition the Thai Gov't and Immigration. Right now they just do as they please with the reg's that affect our lives. How can they expect people to retire here with no surety of tenure?

 

The health insurance requirement may not affect retirees yet but it's coming for sure.

 

Bottom line is you can stay .... so long as you have money. Typical Thailand.

  • Like 1

Share this post


Link to post
Share on other sites

It's amazing how this government further confuses things everytime they try and do something! Health Insurance for an O-A but NOT for an extension of permission to stay based on O-A and not for a Non-O based on marriage or an extension of permission to stay based on Non-O.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 members

    No registered users viewing this page.

×
×
  • Create New...