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

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14 hours ago, brewsterbudgen said:

I don't think it will apply as activating a 2nd year is still with the original OA visa. When the visa expires and you apply for a new one (the misnamed "renewal") in your home country you will insurance.
 

 

If they do implement something for O-As, I'm GUESSING, the operative word at this point being GUESSING, that they'll do as you described above.

 

The verification part will probably rest with the Consulates and Embassies abroad at O-A issuance time, where the staff presumably can speak and understand the local language at least to some extent, unlike Thai Immigration.

 

I seriously doubt any insurance requirement enforcement for O-A visas is going to be done at any other time than when they're issued.... and not when the holder does any in-out trips from Thailand under an already issued O-A that's met the insurance requirement in order to be issued.

 

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On 5/15/2019 at 1:03 PM, dcnx said:

Not yet. It will apply to everyone eventually.

 

Then that will give some of us no choice,but to leave at 6000 baht a month for insurance, which is more than i spend on FOOD !

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On 5/15/2019 at 1:55 PM, Kay McDonnell said:

Maybe media outlets should clarify the information before announcing these statements in future. 

Yes as on inquiring about this subject to immigration my friend was told not to read newspapers,some sound advice indeed !

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On 5/15/2019 at 1:59 PM, Vacuum said:

And miss a lot of clicks?

And adds for insurance !

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5 minutes ago, ThaiPauly said:

My visa agent says it does not apply to me, only to people getting visas from abroad.

 

We have spent the best part of a week fretting about nothing

If you are using an agent then half the rules don't apply to you. Agents can get you an extension without the money in the bank/seasoning etc, if insurance comes in they will probably be able to get extensions without the insurance.

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On 5/15/2019 at 2:50 PM, boonrawdcnx said:

Nobody believes the lie that long term residents on retirement or marriage extensions are cheating hospitals out of their money as we all have to report every 90 and authorities know where we reside.

You are exactly correct, i would like to see real undisputed stats on this,was it immigration failing to track them down,hospital failing to report, it was probably both IF at all. I M O someone is fiddling the books to get the cash and falangs are a good target to blame. As we know hospital staff have been caught in the past.

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On 5/15/2019 at 2:50 PM, boonrawdcnx said:

Nobody believes the lie that long term residents on retirement or marriage extensions are cheating hospitals out of their money as we all have to report every 90 and authorities know where we reside.

When I was an inpatient at Chula for weeks at a time, I had to settle my bill every few days. You can bet treatment wouldn't have continued if I didn't.

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Posted (edited)

I think the reason for the insurance has been misrepresented. They are basically saying the system is underfunded treating foreigners.

Thais pay tax then get the advantage of subsidised healthcare, foreigners don't pay tax then use the subsidised healthcare.

 

Any foreigner using the Thai public health , even if they pay (the subsidised rate) in full, is by definition a loss, they didn't pay tax for 20 years to fund the system.

 

Its not the bill at the hospital thats not being paid, its the funding of the system thats not being paid by foreigners.

 

If a Thai person goes to hospital and gets a band-aid, cost of providing the band-aid 100 baht, Thai taxes pays 80 baht and the Thai person pays 20 baht.

If a foreigner gets the band-aid, they pay 20 baht, there is an 80 baht loss

When Thai Gov says they didn't get paid X billions, they are talking about the 80 baht, not the 20 baht.

 

 

Edited by Peterw42
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35 minutes ago, ThaiPauly said:

My visa agent says it does not apply to me, only to people getting visas from abroad.

 

We have spent the best part of a week fretting about nothing

It's only a few BMs who are scaremongering about it applying to Extensions.  In time it could, but there is no indication of it at the moment.

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4 minutes ago, Peterw42 said:

I think the reason for the insurance has been misrepresented. They are basically saying the system is underfunded treating foreigners.

Thais pay tax then get the advantage of subsidised healthcare, foreigners don't pay tax then use the subsidised healthcare.

 

Any foreigner using the Thai public health , even if they pay (the subsidised rate) in full, is by definition a loss, they didn't pay tax for 20 years to fund the system.

 

Its not the bill at the hospitial thats not being paid, its the funding of the system thats not being paid by foreigners.

 

 

I would bet the vast majority of foreigners use private hospitals. In my 25+ years here, I have always used public hospitals. Rarely have seen another foreigner.

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5 minutes ago, BritManToo said:

80% of the Thai population has never paid any income tax.

And those that do are in a different hospital system (SS)

 

None of the Thais using my local government hospital ever paid income tax.

Income tax isnt a huge part of the Thai tax base, its VAT that every thai pays, corporate etc.

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