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Health insurance policies to be standardised by 2021

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3 minutes ago, Handsome Gardener said:

Garbage - I don't have a very expensive health policy as if anything happens to me, and I mean anything, I have more than enough cash in the bank to pay for it and if it doesn't happen to me, I keep myself very fit, then I'm quids in. ie I insure myself

 

How am I lazy ?

It´s not something that you can call an insurance.

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8 minutes ago, gunderhill said:

yes ie in case of  accident injury hospitalisation

Where did you find that information?

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A step in the right direction . International policies are governed and regulated by either EU or UK, Thai policies regulated by no one and this is why they do whatever they like to do.

 

Highly unlikely it will mean cheaper prices but perhaps less problems with local policies 

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Having sufficient funds held overseas (earning sensible rates of interest) is a very realistic alternative to having unnecessary and expensive insurance.  And assuming that the money will be used for "something else" is patronising and offensive. And having the money available for potential future health problems is not a "bad and stupid choice" it is a personal and realistic choice.

 

The health insurance that I have seen in Thailand is dreadful value for money, and would in any case not cover any serious health issue. It is purely a rip off sponsored by the administration to bolster up inefficient insurance companies. 

 

Its the same logic as asking for 400K or 800K baht to be held in a THAI bank. The only logic for this is to give the appallingly badly managed local banks a boost. 350,000 farangs with an average of say 600K is an influx of 210 billion baht! (The alternative income method allows the banks an even bigger rip-off on exchange rates).

 

Bolstering up an inefficient and poorly managed sector artificially, makes that sector less viable rather than more viable. (The Thailand wine producers being a good and clear example, but there are so many others!)

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Posted (edited)
2 minutes ago, John Begg said:

Having sufficient funds held overseas (earning sensible rates of interest) is a very realistic alternative to having unnecessary and expensive insurance.  And assuming that the money will be used for "something else" is patronising and offensive. And having the money available for potential future health problems is not a "bad and stupid choice" it is a personal and realistic choice.

 

The health insurance that I have seen in Thailand is dreadful value for money, and would in any case not cover any serious health issue. It is purely a rip off sponsored by the administration to bolster up inefficient insurance companies. 

 

Its the same logic as asking for 400K or 800K baht to be held in a THAI bank. The only logic for this is to give the appallingly badly managed local banks a boost. 350,000 farangs with an average of say 600K is an influx of 210 billion baht! (The alternative income method allows the banks an even bigger rip-off on exchange rates).

 

Bolstering up an inefficient and poorly managed sector artificially, makes that sector less viable rather than more viable. (The Thailand wine producers being a good and clear example, but there are so many others!)

Please share what insurance you had seen that is dreadful value for money and would not cover serious illness ?

 

Fire away 👍

Edited by BestB

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21 minutes ago, John Begg said:

The health insurance that I have seen in Thailand is dreadful value for money,

Then why don't you look outside Thailand for a policy eg Cigna....USA company, administered in Scotland

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Posted (edited)

It seems the insurance industry is lobbying hard to boost their business and get people to pay premiums to invest into their insurance products.

 

It seems their investment funds in the stock markets are producing almost nothing in profits for the last 3 years.

Edited by userabcd

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12 minutes ago, John Begg said:

Because I don't want health insurance!

Or can not afford one so posting utter bs to justify or excuse it?

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thai people pay nothing, so do they even have a right to complain ?

 

who is paying full price or double or more ?

 

and it takes 2 years to implement something ?

 

 

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14 hours 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.

And I'm guessing that you will let us all know how these poor folk will pay for that "mandatory" insurance from companies that will screw them over in a second with their third or fourth rate policies. A whole lot of these people barely make it from day to day on what they have let alone forking out even more for the privilege of getting screwed. Talk about morally acceptable. 

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7 hours ago, justin case said:

thai people pay nothing, so do they even have a right to complain ?

 

who is paying full price or double or more ?

 

and it takes 2 years to implement something ?

 

 

Only those who get treated In public hospital . Thai who want to be treated  in private also need to take out insurance , some policies are tax deductible also 

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Posted (edited)
11 hours ago, wgdanson said:

Don't talk silly. I just got Bht 12M of cover for Bht 120,000. What treatment could I get for 120k, not much?

What ? I haven't had a need for hospital treatment for 35 years+ - who's in profit, me or you ?

 

You are paying over £3,000 for something that might not happen year after year - lunacy !

Edited by Handsome Gardener

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11 hours ago, Matzzon said:

It´s not something that you can call an insurance.

Why not ? What are you struggling with ? - if I have the means to cover ANY health related incident I am insured with myself ? 

 

I'm baffled why you don't get that ?

 

 

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10 hours ago, BestB said:

Please share what insurance you had seen that is dreadful value for money and would not cover serious illness ?

 

Fire away 👍

Wise up - if you put a heavy claim in the very first thing insurance companies will do is troll through your medical records for the slightest reason to deny your claim so its fair to say that many of the people gloating they have gold standard health insurance aren't even covered! Then there's the excesses, restriction of choice etc etc 

 

Self insurance rules all that worry/scrutiny out as well as giving me the option of choosing exactly who and when I want someone to treat me.

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