Details of mandatory health insurance for Non-Imm O-A visas to be announced next week

[emptypockets 4,247]

5 hours ago, Tuvoc said:

 

Maybe a bit more if it is to cover pre-existing conditions, and ongoing management of conditions that will pop up. Maybe as much as 100,000 per year. I'd be happy enough to pay that sort of figure if it is comprehansive.

It's all about risk for the insurer. 100,000 baht may be OK for a fifty year old,  but what about a 75 or 80 year old? They could easily have claims into the multi millions as they near end of life. Insurance companies are neither charities nor stupid.  They are businesses with shareholders who want a return on funds invested. Keep dreaming. 

The amount of data available to insurance companies is staggering with statistics going back a hundred years or more,  they know what risk and return is. 

Can you imagine the potential influx of expats arriving for cheap, insured, medical treatment? It would overwhelm the system. 

Expecting the Government (I. e.  the Thai people)  to subsidise foreigners medical care is equally ludicrous. 

If a universal requirement for insurance is introduced then many people may have problems.  You are no longer in the nanny state. That is the harsh reality. We can keep posting suggestions of what would suit us, but that is irrelevant to the issue.

Welcome to the real world. 

[tropo 8,823]

On 8/19/2019 at 4:41 AM, Number 6 said:

I was taken by a hospital to an ATM machine quite literally. If I said I couldn't pay no idea how that would have ended.

Or if you didn't have a card on you. Some people don't plan everything before they end up in hospital sick or injured.

 

I'm sure they wouldn't have dragged you to a prison cell to wait for payment or put you back in a hospital ward and increase your bill. There is nothing they could have done. They were strong-arming you and it worked. That's no way to treat someone who has just been in hospital. Obviously Thailand's "over 1 billion baht" 3-year unpaid medical bills suggests they just end up losing it if they cannot collect payment.

 

They should stop crying about this and realise it's the cost of doing (tourism) business. It's a drop in the ocean compared to their profits from the industry. Any major efforts will just cause a drop in tourism. Tourists and expats have choices and won't bother with Thailand if the requirements become too expensive or complicated. I'm sure the people (politicians) crying about this problem aren't short of a penny because of it. 

[Melbun 336]

3 minutes ago, tropo said:

Or if you didn't have a card on you. Some people don't plan everything before they end up in hospital sick or injured.

 

I'm sure they wouldn't have dragged you to a prison cell to wait for payment or put you back in a hospital ward and increase your bill. There is nothing they could have done. They were strong-arming you and it worked. That's no way to treat someone who has just been in hospital. Obviously Thailand's "over 1 billion baht" 3-year unpaid medical bills suggests they just end up losing it if they cannot collect payment.

 

They should stop crying about this and realise it's the cost of doing (tourism) business. It's a drop in the ocean compared to their profits from the industry. Any major efforts will just cause a drop in tourism. Tourists and expats have choices and won't bother with Thailand if the requirements become too expensive or complicated. I'm sure the people (politicians) crying about this problem aren't short of a penny because of it. 

Are you trying to be humorous?? If all the expats left they would rub their hand in glee - mission accomplished!! There would be millions of tourists spending money  on night life, shopping, food, accommodation. All the authorities have to do is insist on travel insurance (which any sane tourist does anyhow).

[Thaidream 9,755]

2 hours ago, Melbun said:

MG - "should's" & "ought to's". Like a bunch of wet hen's expecting miracles or a sympathetic foreign government. What are older geezers (and not so old), with chronic illnesses doing in a foreign, hostile country that doesn't want you there. Advice: that you don't want to hear. Get out and go back to your home country. You're time is over. Can't you all take a not so broad hint.

I am home- I have no intentions of going back to my country of birth so stop your miserable whining.  According to your narrative everyone who is 'old'  should simply get out or  commit suicide so they won't be a burden  on the Government.  You might want to consider the morality of your comments and the utter cruelty they represent.

 

Thailand years ago committed it's country to tourism by making its Visa regime very easy and  overtly seeking  long stay expats and millions of tourists.  They have made billions from it.  They are not losing a single satang from this. The real cause of the insurance conundrum is that for profit insurance and medical facilities want to make  huge profits off the misery of everyone who is ill- young and elderly.

 

Healthcare is a human right- everyone has a right to live.  Just because you don\t believe this doesn\t change the facts- It is a reality enshrined in every Constitution ever written- including the Thas'.

[Melbun 336]

15 minutes ago, Thaidream said:

I am home- I have no intentions of going back to my country of birth so stop your miserable whining.  According to your narrative everyone who is 'old'  should simply get out or  commit suicide so they won't be a burden  on the Government.  You might want to consider the morality of your comments and the utter cruelty they represent.

 

Thailand years ago committed it's country to tourism by making its Visa regime very easy and  overtly seeking  long stay expats and millions of tourists.  They have made billions from it.  They are not losing a single satang from this. The real cause of the insurance conundrum is that for profit insurance and medical facilities want to make  huge profits off the misery of everyone who is ill- young and elderly.

 

Healthcare is a human right- everyone has a right to live.  Just because you don\t believe this doesn\t change the facts- It is a reality enshrined in every Constitution ever written- including the Thas'.

Hi Mate. You seem upset and kind of crazy. I have never mentioned in my narrative anything about suicide. You just have.I'm not whining. Just stating facts you and others don't want hear. Look you can use all the emotive words VIZ "healthcare is a human right" you want, but it doesn't change facts. You must take out compulsory health insurance. It's the law of the land. The land you say you have chosen to be your home. Now bright spark (also angry spark) - what do you propose? Do you have a solution? - or do you want the Thai's to make special allowances for cruddy, diseased old folk that can't get insurance or can't afford it ??

Edited August 20, 2019 by Melbun

[Thaidream 9,755]

2 minutes ago, Melbun said:

Hi Mate. You seem upset. I'm not whining. Just stating facts you and others don't want hear. Look you can use all the emotive words VIZ "healthcare is a human right" you want, but it doesn't change facts. You must take out compulsory health insurance. It's the law of the land. The land you say you have chosen to be your home. Now bright spark (also angry spark) - what do you propose? Do you have a solution? - or do you want the Thai's to make special allowances for cruddy, diseased old folk that can't get insurance or can't afford it ??

First of all I want you to stop denigrating the elderly with your rhetoric and speak to us who  are elderly with respect and then maybe someone might listen to you.

 

As far as a solution- I nor anyone wants Thailand to take care of me- but I am against the  for profit insurance industry beinbg tasked with  providing policies that are high priced and little coverage. While I can afford them- I dont want them- they are worthless.

 

The solution is simple- anyone with a one year extension of stay should be able to buy into the Thai Social Security scheme- at the same rate as Thais with a percentage added as a co-payment.

 

Anyone with less than a one year extension- either purchases travel insurance or theeir is a surcharge of 500- 1000 Baht added to their entry and or ticket.  Now- where\s your solution.

 

 

[CharlieH 28,483]

Let's keep it civil please.

7) You will respect fellow members and post in a civil manner. No personal attacks, hateful or insulting towards other members, (flaming) Stalking of members on either the forum or via PM will not be allowed.
 

[Melbun 336]

6 minutes ago, Thaidream said:

First of all I want you to stop denigrating the elderly with your rhetoric and speak to us who  are elderly with respect and then maybe someone might listen to you.

 

As far as a solution- I nor anyone wants Thailand to take care of me- but I am against the  for profit insurance industry beinbg tasked with  providing policies that are high priced and little coverage. While I can afford them- I dont want them- they are worthless.

 

The solution is simple- anyone with a one year extension of stay should be able to buy into the Thai Social Security scheme- at the same rate as Thais with a percentage added as a co-payment.

 

Anyone with less than a one year extension- either purchases travel insurance or theeir is a surcharge of 500- 1000 Baht added to their entry and or ticket.  Now- where\s your solution.

 

 

We have been warned by the Moderator. This is my final word.

Any business - even the healthcare industry is in business to make a profit. And especially so - with "the elderly" that would more than likely need to use it and more than likely would have per-exisiing illnesses. As for the should happen or ought to happen. That's a matter of opinion and the law of the land rules irrespective - even if expats don't like it. You make your own choices. Bye

[Thaidream 9,755]

20 minutes ago, Melbun said:

We have been warned by the Moderator. This is my final word.

Any business - even the healthcare industry is in business to make a profit. And especially so - with "the elderly" that would more than likely need to use it and more than likely would have per-exisiing illnesses. As for the should happen or ought to happen. That's a matter of opinion and the law of the land rules irrespective - even if expats don't like it. You make your own choices. Bye

You  finally got the point.... 

[rabas 5,269]

5 hours ago, Melbun said:

OMG - "should's" & "ought to's". Like a bunch of wet hen's expecting miracles or a sympathetic foreign government. What are older geezers (and not so old), with chronic illnesses doing in a foreign, hostile country that doesn't want you there. Advice: that you don't want to hear. Get out and go back to your home country. You're time is over. Can't you all take a not so broad hint.

 

You seem to understand little about Thailand and the many types of people residing here under different circumstances, nor how Thai immigration really works. While you may wish to follow your own advice, it's not appropriate for the general public as a rule.

 

[Melbun 336]

36 minutes ago, rabas said:

 

You seem to understand little about Thailand and the many types of people residing here under different circumstances, nor how Thai immigration really works. While you may wish to follow your own advice, it's not appropriate for the general public as a rule.

 

We shall see how the Thai government and Immigration works in the next few months. Although you purport to be more knowledgeable on these matters - It's my feeling a lot of expats will willingly or compulsorily return to their former places of abode. The writing is on the wall gents. Although many can't accept or see that.

[ThaiBunny 3,539]

1 minute ago, Melbun said:

The writing is on the wall gents

Also expressed as The writing is on the wall - "Gents"

[Carolina Reaper 53]

On 8/18/2019 at 7:01 PM, wgdanson said:

I just did Cigna Close Care, 71 years old, Bht 12M cover, £3131 premium = 125,000 Bht. Coronary or stroke covered.

Organ transplants are not covered and kidney dialysis coverage limited. I wonder how those costs compare with their Silver plan....

[wgdanson 9,190]

20 minutes ago, Carolina Reaper said:

Organ transplants are not covered and kidney dialysis coverage limited. I wonder how those costs compare with their Silver plan....

If I needed a transplant I would be back to UK to get one of the correct make!   LOL

 

And yes, dialysis would be classed as outpatient treatment so if I need it....off to the ATM.

 

Edited August 20, 2019 by wgdanson

[Melbun 336]

4 minutes ago, wgdanson said:

If I needed a transplant I would be back to UK to get one of the correct make!   LOL

 

But many say you won't be covered under NHS (unless you privately fund) or you go back well ahead of time to re-qualify