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SURVEY; Health Insurance for long stayers -- needed or not?

SURVEY; Health Insurance for long stayers -- needed or not?  

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13 minutes ago, Crossy said:

This should apply to ALL foreigners including tourists (travel insurance mandatory for tourists).

A lot of tourists already have travel insurance but then you have the small lettering at the bottom.

Just charge every arrival into Thailand 50 baht and ad it into the ticket if the fly in.

Good money maker that way.

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1 minute ago, jvs said:

A lot of tourists already have travel insurance but then you have the small lettering at the bottom.

Just charge every arrival into Thailand 50 baht and ad it into the ticket if the fly in.

Good money maker that way.

I'd prefer not to fund other peoples lack of insurance.

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I am not on an O-A so hopefully not affected yet. But I do have insurance.

If you reserve the right to self-insure, the medical trade must also have the right to turf you out of its hospitals if you run out of funds. In principle, requiring aliens to be responsible for their treatment is only sensible and I have been shocked at the number of correspondents here who believe it should not apply to them, or get offended at the thought of having to pay if they get hurt.

I pay an eye-watering premium (because I'm old. And fyi, insurers will cover 70+ customers, but not as new risks) but I recently required serious surgery and could not have found the half-million baht it cost. (The flip-side of that was that it still cost me 80,000 baht for the 'extras'. Well, that's insurance for you….)

International policies should be accepted. Of course officials will need the proof in Thai. If Thais must have insurance in UK (as a number of posters have demanded), you would hardly expect a Heathrow IO to read the proof in Thai, would you? That's one area where it gets a bit complicated – although a certified translation of a foreign policy should be acceptable, but how do you get one in advance?

Likewise, the amount of coverage is tricky: I've seen 5 million baht quoted. But my really quite good policy (coincidentally from one of the insurers on the 'list') has no ceiling – just a maximum per disability of 500,000. So would my policy be acceptable? Also, I don't have outpatient cover – by definition, if it's trivial it won't be unaffordable and if it's serious it won't be an outpatient matter. So I would likely be refused a visa (and at my age, adding outpatient cover to my existing policy would cost a huge amount for a nugatory benefit).

The nitty-gritty is a real pain, but the concept of having foreigners prove they can look after themselves is sound enough.

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I voted "No" but would have voted "Yes" if any of the visa offered for long stay resembles the Malaysian MM2F. The current O-A visas and retirement extensions are just tourist visas with longer period of stay. The holders have no more rights or privileges than anyone arriving on 30 days exempt entry, so travel insurance could be used for these visas too.

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13 minutes ago, Crossy said:

Only a fool would remain in Thailand without some form of health planning. It can (and too often does) happen to you!

 

IMHO The government should :-

  • Allow suitable health insurance from a globally recognised company.
  • Provide access to sensibly priced local insurance (in-patient only).
  • Permit those who have paid into the social scheme to continue paying (this is already in place but it's unclear whether this would meet the requirements).
  • Allow self-insurance, limits will need to be set, allow the use of the 400/800k needed for extensions (without draw-down).

AND

 

This should apply to ALL foreigners including tourists (travel insurance mandatory for tourists).

 

 

Why doesn't  the Thai government  make an insurance available for the amount that's required that's for a reasonable premium so that Everyone can insure no matter age,race,coloror Visa/extension .Then the people wouldn't get Ripped off by the Greedy Insurance companies .Make that every tourist must have an travel insurance from  their country before they intend to travel to Thailand .🌏 

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It's certainly risky not to have health insurance.  I don't currently but plan on getting it.  But I do have about 5,000,000 baht in the bank for emergencies.

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1 hour ago, GalaxyMan said:

Exactly. This needs to be a choice in the survey. One way or another, long-stay foreigners should have the ability to take care of themselves.

 

They talk about 400,000/40,000, I believe. Why not offer the option to put 500,000 into an account, much like we have to do now for the retirement or marriage extensions?

Exactly, in the first mention of this. it was mentioned the availability of some sort of self insurance. It was mentioned that even with if the 400000 being held from the Retirement Extension would be enough to cover the insurance requirement. So what happened to that option?

 

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44 minutes ago, Crossy said:

Only a fool would remain in Thailand without some form of health planning. It can (and too often does) happen to you!

 

IMHO The government should :-

  • Allow suitable health insurance from a globally recognised company.
  • Provide access to sensibly priced local insurance (in-patient only).
  • Permit those who have paid into the social scheme to continue paying (this is already in place but it's unclear whether this would meet the requirements).
  • Allow self-insurance, limits will need to be set, allow the use of the 400/800k needed for extensions (without draw-down).

AND

 

This should apply to ALL foreigners including tourists (travel insurance mandatory for tourists).

 

 

I plainly believe that the renewals process should charge an additional health fee of 10,000 baht to cover all expats for all in patient and for outpatient it would cover 2000 baht and the rest is a deductible, but the terms for outpatient covering must be deciphered to be legit and not going for a hangnail or physical or consultation that the doctor tells you that you have the flu....

 

Just say from marriage/family to retiree at 100,000 expats that is a healthy total lump sum of 1,000,000,000 baht that would easily cover everything with existing conditions as expats do not run to the hospital every day-week-month-year. I would bet on average it is probably every 2- 5 years. Tourists coming on tourist visas would pay in the visa fee, and tourists coming on 30 day exempt would pay a fee at the immigration desk in order to be stamped in.

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'Self-insurance' doesn't guarantee that the patient will pay for their treatment. Even in a Government hospital, complicated surgery and/or long term treatment will eventually use up savings. We need to be allowed to join Government hospital scheme at realistic rates. Actual cost, not subsidised 30 baht scheme of course. Thai hospitals know how much each age group costs their Government. Our rates should be based upon that.

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1 hour ago, emptypockets said:

The Thai Government will decide what is adequate, not you.

Unfortunately.

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1 hour ago, Jaxxper said:

Not sure why you think the TM30 is a money grab. If you comply with the requirements there is no cost associated with it. Do you get charged to lodge a TM 30 ? Just interested.

I had a round trip of about 120 Ks to report on behalf of my wife when I arrived back in the country at my local IO, what about the cost of travel and the inconvenience? Maybe not too expensive, but you are wrong to say that there is no cost associated with it.

You are obviously one of those who live not too far from the local IO.

 

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3 hours ago, gillap said:

a warning to all expats who don't have insurance and are due for visa renewals...full implementation maybe not this year but one has to think next year it will be fully implemated!

Can I borrow your crystal ball if you are not using it right now. You might need to use it to help with your spelling as well.

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