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Health insurance policies to be standardised by 2021


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Health insurance policies to be standardised by 2021

By The Nation

 

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The Office of the Insurance Commission plans to revise standards for health insurance contracts to ensure that consumers get a fair deal.

 

Suthipol Thawichaikarn, the commission’s secretary general, said executives of private insurance firms and other concerned parties would be consulted with an eye to reducing the number of complaints stemming from unfair treatment.

 

“If insurance conditions were fairer to consumers and adjusted to the new medical technologies, it would encourage more people to sign up for policies,” Suthipol said.

 

In complaints to the insurance regulator, consumers have accused private firms of refusing to renew policies when they’ve fallen ill and expressed frustration over tax deductions to which they’re entitled as policyholders.

 

Around four million people in Thailand currently have policies worth a combined Bt88 billion in annual premiums, which Suthipol said were relatively low numbers. The number of policies is growing between 0 and 15 per cent annually, he said.

 

Yet health insurance is critical because Thailand is becoming an ageing society with healthcare costs steadily rising, he warned.

 

The commission will also consider shortening the approval period for new policies, from 30 days to 15, he said.

 

New standards for insurance contracts will be enforced in 2021, he said, giving insurance firms two years to make the needed adjustments.

 

Source: https://www.nationthailand.com/news/30374709

 

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-- © Copyright The Nation Thailand 2019-08-14
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Insurance companies to be more fair towards consumers? Presumably means more coverage and payouts. Sorry, but that will never happen. Insurance companies are profit run and designed to stubbornly pay out as little as possible and deny coverage to anyone who may be above average risk of illness. Fairness is not in their vocabulary.

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Yes, thatake their responsibility and also take care of themselftpeople  is for Thais and all is well with that. They need insurance as well as expats and long time stayers in Thailand do. Wonder when they are going to speed up the process to make it mandatory for all of us to have insurance. That is really needed as a security that all people take their responsibility and also take care about themselfs.

If they keep up with letting every single person decide by themselfs, there are always going to be lazy people that disregard the need to be safe and have the protection they need. Would be nice to include that in the 2021 plans.

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Meanwhile, garbage policies will be offered at top prices...claims will be denied...and policies dropped because of filing healthcare claims for which the policy holder is entitled.

 

Lots of work to do here...

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1 hour ago, Matzzon said:

there are always going to be lazy people that disregard the need to be safe and have the protection they need.

no,  the  choice  should  be  spelled  out  and  signed  by  anyone  not  wanting to  insure, insure  or you  will  be  left  for  dead if  you  do  not  have  the  funds. Simple,  i  disagree  with  compulsory  insurance, choice  is  essential on those  terms only.

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22 minutes ago, gunderhill said:

no,  the  choice  should  be  spelled  out  and  signed  by  anyone  not  wanting to  insure, insure  or you  will  be  left  for  dead if  you  do  not  have  the  funds. Simple,  i  disagree  with  compulsory  insurance, choice  is  essential on those  terms only.

That is not a morally acceptable choice you are suggesting. It will go straight against all that is considered in the face of humanitarian behaviour and humanity. Therefore it´s not an option. Responsibility is an option, though. The only thing that can be considered in thta case is mandatory insurance.

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9 minutes ago, Matzzon said:

That is not a morally acceptable choice you are suggesting. It will go straight against all that is considered in the face of humanitarian behaviour and humanity. Therefore it´s not an option. Responsibility is an option, though. The only thing that can be considered in thta case is mandatory insurance.

its MY  choice and  not  accepting  it  denies Me and  others  that  right  to  die,  i  choose my  morals

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1 hour ago, gunderhill said:

its MY  choice and  not  accepting  it  denies Me and  others  that  right  to  die,  i  choose my  morals

YOUR choice is duly noted.

In my opinion they hopefully will implement mandatory insurance in the near future, to prevent bad and stupid choices. Then people that still want to make thoose choices will have to do it somewhere else. 

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Just now, Matzzon said:

YOUR choice is duly noted.

In my opinion they hopefully will implement mandatory insurance in the near future, to prevent bad and stupid choices. Then people that still want to make thoose choices will have to do it somewhere else. 

glad  you  like "dad" watching  over  you.

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4 minutes ago, gunderhill said:

glad  you  like "dad" watching  over  you.

It´s not dad watching over me. I´ve been having an insurance since I was 25 years old. In my world and according to my opinion, that is a responsibility you have to tourself and for other relatives or friends that otherwise might have to pay for your mistake. But, I can hear that you can´t see anything wrong with your behaviour. I am also quite sure that you never thought about other that might have to suffer the consequences of your actions neither.

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1 minute ago, Matzzon said:

It´s not dad watching over me. I´ve been having an insurance since I was 25 years old. In my world and according to my opinion, that is a responsibility you have to tourself and for other relatives or friends that otherwise might have to pay for your mistake. But, I can hear that you can´t see anything wrong with your behaviour. I am also quite sure that you never thought about other that might have to suffer the consequences of your actions neither.

Theres the difference I saved enough to  pay for medical treatment from an early age and lived in a country where "national insurance" at a cheap level was available, the Thai system is CRAP overpriced and useless.

Id  rather pay out of my own pocket and if it serious and life threatening I want the choice to die, you want enforcement. I have a few  million set aside and thats it, over that Im dead I accept that and no one  else is expected or asked to bail me out

I do not want or wish to lumber anyone with my predicament financially  and so want the right to die.

I cant hear........... you cant listen by the sound of it. 

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4 minutes ago, gunderhill said:

Theres the difference I saved enough to  pay for medical treatment from an early age and lived in a country where "national insurance" at a cheap level was available, the Thai system is CRAP overpriced and useless.

Id  rather pay out of my own pocket and if it serious and life threatening I want the choice to die, you want enforcement. I have a few  million set aside and thats it, over that Im dead I accept that and no one  else is expected or asked to bail me out

I do not want or wish to lumber anyone with my predicament financially  and so want the right to die.

I cant hear........... you cant listen by the sound of it. 

Ok, I understand that you have millions that might save you and pay for the things that might happen to you. Infortunately that´s not how the world works. It´s not possible for a nation to do checks of if the ones that are not insured have money instead. Also money is not an insurance. They can suddenly be used for something else and disappear. 

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2 minutes ago, Matzzon said:

They can suddenly be used for something else and disappear. 

Yes it  can but I  fully  understand that if its  not there I accept that I will die. I want no one to bail me out in any way.

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