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Pinot

The 400/40 Thai Health Insurance Policy

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Posted (edited)

There's no insurance required by expats, and probably never will be.

At 69 you'll probably be dead before you need to worry about it.

Me too.

Edited by BritManToo
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1 hour ago, BritManToo said:

There's no insurance required by expats, and probably never will be.

At 69 you'll probably be dead before you need to worry about it.

Me too.

Yeah, it's funny the mandatory health insurance requirement has suddenly disappeared from news sites & forums--and has yet to appear on any Thai embassy websites I can find.  It's not mentioned on the Non-O-A list of requirement at the Thai Consulate in L.A. or New York, nor at the embassies in London or Beijing.  You just need proof you don't have "Leprosy, Tuberculosis, Drug Addiction, Elephantiasis, and Third Phase of Syphilis" (Thank god! said the people with Second Phase of Syphilis.) Just another law on the books that may or may not be enforced at a later date. Having health insurance is not a bad idea. Requiring everyone to have the exact same kind of health insurance on a moment's notice was.  And people in their 70s who are for the most part ineligible for private insurance, will most likely never need it. We'll see.
 

 

 

 

 

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1 hour ago, Sheryl said:

1. This is going to be required for issuance of O-A visas (obtained in your home country) and is already required for O-X visa. To date there has been no mention of it being required for incountry extensions of stay which is what most of us are on.

 

2. For the O-X visa (and soon, but not yet, the O-A visa) 400k and 40k are not the maximums but the minimums.

 

The O-X visa requires an insurance policy from one of a handful of Thai companies, and these are very bad value.  It has been said that the O-A requirement, when it comes online, will accept any policy (including international ones) that meets the minimum requirements but this is nto sure and details nto yet issued. I have no idea, given the complexity of insurance policies, how Thai Embassies and consulates would go about determining if a given policy met the requirements.

1. Yeah, I'm wondering if those currently holding visas will be forced to buy insurance when extending or will be (literally) "grandfathered" in.


2. You're right. It's on the O-X list https://thaiconsulatela.org/en/visa/visa-type/non-immigration-visa-category-o-x/ This strikes me as odd as the O-X is the harder visa to get (requiring a larger deposit), but seems (as you suggest) to require the purchase of insurance that is worse than 0-A's will be required to.

 

Thanks for the post

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Health insurance is a very complex issue. No two persons situations are identical, personal needs and requirements are varied. As with individuals, insurance policies are complicated and complex legal documents, it is almost impossible to compare different insurance policies on an "apples-to-apples" basis.

 

But, one truth remains, IF Thai Immigration stipulates that you/me/we require a medical insurance policy as a condition of our visa(s) and/or annual extensions - We Will Comply with the requirement and purchase a policy, or, Leave.  

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13 hours ago, marcusarelus said:

How about physical exams for new policies?

Yes for the Pacific Health policy, no on the Regency. You will be reimbursed for the Pacific Health physical. 

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Posted (edited)
12 hours ago, Sheryl said:

1. This is going to be required for issuance of O-A visas (obtained in your home country) and is already required for O-X visa. To date there has been no mention of it being required for incountry extensions of stay which is what most of us are on.

 

2. For the O-X visa (and soon, but not yet, the O-A visa) 400k and 40k are not the maximums but the minimums.

 

The O-X visa requires an insurance policy from one of a handful of Thai companies, and these are very bad value.  It has been said that the O-A requirement, when it comes online, will accept any policy (including international ones) that meets the minimum requirements but this is nto sure and details nto yet issued. I have no idea, given the complexity of insurance policies, how Thai Embassies and consulates would go about determining if a given policy met the requirements.

The Regency rep tells me that I will be given a document saying I have the 400/40 policy if asked. I'm betting that this doc will eventually be required. I didn't want to wait till I was over 70 and could no longer buy a policy. It's a good minimal (basic?) insurance policy for older expats going into their 70's.

 

I recently had an operation for varicose veins in my legs at Bangkok Hospital in Phuket. This involved plugging up the offending veins with glue, the "new" way to accomplish this procedure. The cost of the operation was 330,000 baht that insurance paid fully. That's why I want insurance.

 

Probably cataract surgery will be eventually be needed. That cost will more than make up for insurance policy costs. 

 

The outpatient coverage will reduce the cost of the policy. I'm usually seeing a doctor a couple times a year for one thing or another. Not looking forward to using a government hospital but so it goes. You can go to any of them anywhere in Thailand. There are some good ones.   

Edited by Pinot

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11 hours ago, Pinot said:

The Regency rep tells me that I will be given a document saying I have the 400/40 policy if asked. I'm betting that this doc will eventually be required. I didn't want to wait till I was over 70 and could no longer buy a policy. It's a good minimal (basic?) insurance policy for older expats going into their 70's.

 

I recently had an operation for varicose veins in my legs at Bangkok Hospital in Phuket. This involved plugging up the offending veins with glue, the "new" way to accomplish this procedure. The cost of the operation was 330,000 baht that insurance paid fully. That's why I want insurance.

 

Probably cataract surgery will be eventually be needed. That cost will more than make up for insurance policy costs. 

 

The outpatient coverage will reduce the cost of the policy. I'm usually seeing a doctor a couple times a year for one thing or another. Not looking forward to using a government hospital but so it goes. You can go to any of them anywhere in Thailand. There are some good ones.   

 

if you already have a cataract, even an early one, it will not be covered as it would be a pre-existing condition.

 

Inclusion of outpatient coverage substantially increases premiums, often as much as 3 fold. Usually buy more than you would use.

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Both Pacific Health and Regency includes 40k of inpatient coverage. I believe the Thai government told the insurance companies to write policies that way.

 

Other insurance policies have expensive inpatient coverage that don't seem to be worth it. I find seeing a Doctor in Thailand to be about what the deductible is in the US, so a bargain. 

 

I was offering cataracts as a fairly common procedure. 

 

 

11 hours ago, Sheryl said:

 

if you already have a cataract, even an early one, it will not be covered as it would be a pre-existing condition.

 

Inclusion of outpatient coverage substantially increases premiums, often as much as 3 fold. Usually buy more than you would use.

 

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On 7/26/2019 at 10:47 PM, Sheryl said:

1. This is going to be required for issuance of O-A visas (obtained in your home country) and is already required for O-X visa. To date there has been no mention of it being required for incountry extensions of stay which is what most of us are on.

 

2. For the O-X visa (and soon, but not yet, the O-A visa) 400k and 40k are not the maximums but the minimums.

 

The O-X visa requires an insurance policy from one of a handful of Thai companies, and these are very bad value.  It has been said that the O-A requirement, when it comes online, will accept any policy (including international ones) that meets the minimum requirements but this is nto sure and details nto yet issued. I have no idea, given the complexity of insurance policies, how Thai Embassies and consulates would go about determining if a given policy met the requirements.

This is what concerns me.  I have a US-based policy that runs 150 pages.  There is no mention of coverage limits though I am sure they are well above the Thai requirements, given US medical costs. 

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On 7/26/2019 at 8:59 PM, marcusarelus said:

How about physical exams for new policies?

See my previous posts on this matter. I think the OP is referring to Pacific CROSS not Health.

You will not get much serious work done for Bht 400,000 even in a Government Hospital.

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