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


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12 minutes ago, Thaidream said:

I do not post anything that baits people- I post what I believe and what I know to be true

 

You do not understand anything about the Health industry because if you did you would realize that Government run healthcare  is Non profit- they do not exist to make a profit.  The NHS in the UK does not operate on a for profit basis- they opereate on a cost recovery basis through taxes and some susidies- paid again by taxes.

 

There is  a big difference between a charity and a not for profit system.  You may want to do some research on this issue so you can provide a sensible and educated response to posters.

 

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I would have thought with the millions of tourists flooding Thailand that they would be more of a medical problem then a few hundred expats living here !

Yes, but many expats can't get an insurance because of their age.

I still find this extremely hard to believe as the hospital will never let you leave until paid in full. How do you rack up a bill and then walk away?   All we can do is wait and see what

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4 hours ago, ThaiBunny said:

How do you propose those tourists who have a tie-in between their Platinum credit card and travel insurance "prove" they have insurance? It's automatically triggered the moment they charge some or all of their trip to the card (depends on the conditions in the policy) - there's no certificate to say they're insured. As well, many policies deny cover for motorcycle accidents and other "dangerous" pursuits. AFAIK the Thai BUPA policy only covers 50% of any motorcycle accident costs

Everyone with a travel/accident insurance can prove it. There's always something you can download and bring with you.

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3 minutes ago, Max69xl said:

Everyone with a travel/accident insurance can prove it. There's always something you can download and bring with you.

Of course. I behooves everyone to not be a cheapskate with travel insurance. It is a safeguard to avert financial catastrophe after all. And the cost is minimal. Even older folk with some pre-existing illnesses (once declared) "may" be able to be covered. Often for a reasonable surcharge.

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12 minutes ago, Max69xl said:

Everyone with a travel/accident insurance can prove it. There's always something you can download and bring with you.

Yes, the Platinum credit card holder can download a copy of his standard insurance policy document from his card issuer's web site, together with his credit card statements showing that he paid for the trip with that credit card. I'm sure IOs will wave him through

 

https://mozo.com.au/travel/how-to-activate-free-travel-insurance-cover-on-your-credit-card

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41 minutes ago, ThaiBunny said:

Yes, the Platinum credit card holder can download a copy of his standard insurance policy document from his card issuer's web site, together with his credit card statements showing that he paid for the trip with that credit card. I'm sure IOs will wave him through

 

https://mozo.com.au/travel/how-to-activate-free-travel-insurance-cover-on-your-credit-card

It doesn't matter where you get your travel/accident insurance. There's ALWAYS something you're supposed to download and print out or download to your phone. 

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2 hours ago, Thaidream said:

The real amorality is any Healthcare system that operates on a for profit basis; coupled with for profit insurance which exists only to make money off the suffering of others and also include the Pharmaceutical industry that makes windfall profits because they are in bed with Insurance and for profit Hospitals.

 

This is going a bit into the existential now, and well beyond the scope of the original post.  But it's interesting nonetheless.

 

Arguing against a for-profit health care scheme is one thing, but saying that health care is a "right" is a bit much, unless you believe in slavery as well.  If it is indeed a "right", then others will therefore be forced to provide it to you.  What I think you really mean is that health care is better provided as a single payer system, rather than a for-profit system.  I would probably agree with that, as long as the single payer system benefits were limited to some pretty basic healthcare.  A single payer system where every ailment is fully provided for would go bankrupt in no time.  Even those with the most gold-plated insurance policies do not have that benefit.

 

getting back to Thailand, there is indeed a single payer system in place that is actually quite comprehensive.  Foreigners can participate in it as well as long as they have been working here and contribute to the Thai social security fund.  Over time, you can lock into the system by paying into it outside of work.  I recommend that anyone employed here and who desires to retire here to make sure they pay into the system when they quit working.

 

For other expats, your suggestion of allowing expats who retire here makes some sense, but if you think about it, those are the folks who will be in most need of medical care.  They are older and therefore most likely less healthy.  A working individual in his 20s shouldn't be subsidizing expat retirees by paying the same amount as the foreign retiree.  Instead, give them an option to pay into the government system at much higher prices.  I'll leave that to the bureaucrats who oversee the public health care system to work that figure out for us.

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On 8/18/2019 at 9:26 AM, Vacuum said:

Yes, but many expats can't get an insurance because of their age.

Everyone can get an insurance,it just gets really expensive when you are "over aged". That's the term they're using from 66 years of age and up. 

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3 minutes ago, Max69xl said:

Everyone can get an insurance,it just gets really expensive when you are "over aged". That's the term they're using from 66 years of age and up. 

No, they can't. If you're not already insured and over a certain age the companies won't take you on their books. If you are already insured and over that age then you will (probably) be renewed

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41 minutes ago, Angry Dragon said:

For other expats, your suggestion of allowing expats who retire here makes some sense, but if you think about it, those are the folks who will be in most need of medical care.  They are older and therefore most likely less healthy.  A working individual in his 20s shouldn't be subsidizing expat retirees by paying the same amount as the foreign retiree.  Instead, give them an option to pay into the government system at much higher prices.  I'll leave that to the bureaucrats who oversee the public health care system to work that figure out for us.

We are much closer in thought on this issue- 

 

The actual  premise  behind insurance is that the insurance pool should include everyone of any age and indeed younger people who pay in are part of that pool.  An   a ctuary will  determine that there are more people below the age of 50 than above due to levels of mortality and therefore the pool will pay out more  as people age due to more illness.  But that is the whole point of everyone having insurance.  Coverage is needed at every age level and those who are retired and on a pension have no further earning capacity and live off a mostly fixed pension.

 

If the Thai social security system- the health coverage only was applied to thiose foreigners on one 1 yesar extensions/Visas - the money generated would more than make up for any payout.   The current charge for medical care if one is in the system is 457 Baht per month or approximately 5500 baht per month per person.  If there are 500,000 expats that become eligible (all Nationalities)- the money generated at the end of year 1  would be approximately $92 Million  (US Dollars at about 30 Vaht  to 1).

If 100,000 foreigners or 20% of the total used the Thai Government system each year and spent an average of 100,000 Baht (US3,333.99) that would be around $33 Million out of the original $92 Million.

The result of this - all long stay foreigners have medical coverage; The excess funds in the system can go to improved facilities or services in the Thai medical system which would be a boon for all Thai citizens. They could even tack on a 10% surcharge to the final hospital and this system would be much fairer than the worthless insurance coverge they are proposing.

 

I still believe  Healthcare is a human right- because the right to life is enshrined in all countries constitutions - and  Universal Healthcare as proposed by some members of the Thai medical establishment should not be used to generate profit or make doctors wealthy.

 

 

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From the OP:  "On Friday, a senior executive from one of the insurance companies involved in the scheme told Thaivisa that the Office of Insurance Commission, the Ministry of Public Health, the Foreign Ministry and Immigration Bureau will announce the insurance requirements for  Non-Immigrant O-A visas on 22 August."

 

So did this happen?

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I wait with baited breath here in london ,my application went thro for an 0-A.....and my appt in person is 29th....I paid £150 for the visa online......hopefully they will not start mandatory health insurance before I get it....cos my money would be wasted......I self pay always in Thailand ..


Sent from my iPad using Thaivisa Connect

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