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nitehawk42

HEALTH INSURANCE

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Posted (edited)

Why do Thai hospitals not accept American health insurance.

I am covered by Aetna (USA).

Edited by nitehawk42

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Because some American insurers will pay for treatment anywhere in the world

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6 minutes ago, nitehawk42 said:

I am covered by Aetna (USA).

I have Aetna Thailand. I wonder if there is any connection between the two "divisions"? most likely not.

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Posted (edited)

An American friend of mine has lived in Bangkok for many years and his US health insurer covers all medical expenses beyond the first $500 in any calendar year. I can recall more than 10 years ago American insurers were encouraging their members to travel to India or Thailand for (e.g.) hip replacements because they were so much cheaper than at home

Edited by ThaiBunny

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8 minutes ago, wgdanson said:

Sorry, no comprendez. The OP asked why Thai hospitals WILL NOT accept American insurance, yet you say the opposite.

If you look at his post you will see he edited it after I posted my response

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Posted (edited)

Sorry Bunny.

 

Edited by wgdanson

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I expect the great majority of Thai hospitals will not accept American or any other country's insurance simply because it takes work and specific knowledge to file claims with insurance companies....file the claims in the format/in the detail required by the insurance company.    Instead, the patient must pay the hospital and then the patient file for reimbursement.  

 

Thai hospitals are familiar with Thai insurance companies....they speak the same language...understand the claim forms/requirements...the online claim systems...they can easily communicate to resolve a claim...etc.  

 

Yes, you do hear of a few Thai hospitals which will file claims with certain foreign insurance companies, but it's uncommon. 

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10 minutes ago, Sheryl said:

Many will.

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

Sheryl, 

  Can you list a some of those many...and which foreign insurance companies they favor?  Thanks.

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All the large "international" hospitals in Bangkok will and so usually will their provincial affiliates. It is not in a hospital's interests to refuse to accept insurance....especially any hospital that treats many tourists or resident expats.

Many, many people have expat policies issued by companies based abroad, usually EU country or UK. I haven't heard of any of these being refused at a private hospital. My own insurance is issued out of France and has direct billing arrangement wirh all the major private Thai hospitals.

US insurance, if not a specific travel or expat policy, will usually not cover treatment abroad except perhaps in emergency so that may have been an issue.

Insurers can provide a list of Thai hospitals they have direct billing arrangements with and that is something to consider when choosing a policy. It is often possible to arrange direct payment for hospitals not on the list as well, but has to be discussed with the insurer and the hospital at the time.

Basically it is a matter of getting the insurer to send the hospital a GOP (guarantee of payment). That in turn requires the hospital to submit certain information often on an insurer-specific form. If the hospital has a halfway competent 3rd party payer office just need to have the insurance company send them the forms and instructions (in case of existing direct billing arrangement they should already have them).

As most of us know "cannot" is an overused phrase in Thailand and often the first resort whenever confronted with anything new or different. More often than not it is untrue.



Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app

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The RSU Healthcare in Bangkok wouldn't go through my UK travel insurance, they only dealt with certain health insurance companies i hadn't heard of

 

 

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13 hours ago, Sheryl said:

As most of us know "cannot" is an overused phrase in Thailand and often the first resort whenever confronted with anything new or different. More often than not it is untrue.

 

My hospital here in Bangkok, Thonburi II Hosptial, is a "cannot."

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You have private insurance or Tricare? Most Thai hospitals won't do direct payment with Tricare.

 

Thonburi and Thonburi 2 hospitals do not treat many non-Thais and I would nto class them as "international" hospitals. (For which reason their rates are are comparatively good).  That said, in case of inpatient hospitalization and assuming private insurance, not Tricare, it should be possible to arrange direct pay though you might have to contact the insurer yourself to initiate the process. I doubt there is anything you can do re OPD visits.

 

By the way I would pick Thonburi over Thonburi 2. Many of the top docs at Siriraj have hours at Thonburi. Not so much the case at Thonburi 2, it is rare that I find a doc I would recommend seeing there,

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

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17 hours ago, Sheryl said:

You have private insurance or Tricare? Most Thai hospitals won't do direct payment with Tricare.

 

Thonburi and Thonburi 2 hospitals do not treat many non-Thais and I would nto class them as "international" hospitals. (For which reason their rates are are comparatively good).  That said, in case of inpatient hospitalization and assuming private insurance, not Tricare, it should be possible to arrange direct pay though you might have to contact the insurer yourself to initiate the process. I doubt there is anything you can do re OPD visits.

 

By the way I would pick Thonburi over Thonburi 2. Many of the top docs at Siriraj have hours at Thonburi. Not so much the case at Thonburi 2, it is rare that I find a doc I would recommend seeing there,

Sent from my SM-J701F using Thailand Forum - Thaivisa mobile app
 

I use Tricare.   Thonburi II is only about a 5 minute drive from our home.   Many of the specialists that come to Thonburi II are from Siriraj or equally good HiSo hospitals.  Very happy with Thonburi II and doctors for the last 11 years the wife and I have used them.  And we have had the same general family practice doc for 11 years.    Plus a few years ago they opened their new building that doubled the hospital size.  

 

You are right about Thonburi Hosptial or Thonburi II Hosptial not treating many farangs but I figure that's simply because they are located in western Bangkok where not many farangs live.  But go over to central Bangkok and farangs are dime a dozen....along with many tourists in the hotels....along with quite a few hospitals that cater to foreigners "at a very healthy price."   

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