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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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1 hour ago, gearbox said:

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.

Malaysian MM2F is a option

Edited by ICELANDMAN

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3 hours ago, OneMoreFarang said:

Maybe we should compare this to what Thais need if they want to visit other parts of the world, i.e. Europe... 

 

Nothing for the UK. Not required.

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3 hours ago, Thailand said:

Will the results of the poll be sent to the government for them to reconsider the proposals?

I refuse to complete surveys now as they often come back to bite me.  The last survey I completed asked if I had health insurance.  Since then I have had to put up with advertising for health insurance and the govt suddenly talking about compulsory health insurance for long stayers.   Coincidence?  maybe.  But I dont think a coincidence with the advertising.

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1 hour ago, Crossy said:
  • 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).

Completely agree- the best set of proposals yet.

 

Instead- The Thai Government has set up a fail-fail  situation attempting to mandate  health coverage for a pool of people 50-100 which limits the pool of applicants and makes the coverage too low and the cost too high.  At the very least-under these proposals everyone currently in Thailand needs to be 'grandfathered'.  There are elderly people in Thailand who have been here for decades- there is no way they can be insured unless Thailand allows them to buy into the Thai Social Security scheme which in fairness should be a solution.

 

The way the proposed police order is written it is definitely discriminatory as it applies only to a certain class of people. It would never be allowed in a Western country and I am certain it would be thrown out in Thailand if challenged in court.

 

There also must be provisions for people to self insure- one can be required to sign a statement at Immigration that they  self insure for any health issue much like the statements we already sign indicating we are aware of the  overstay laws.

 

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13 minutes ago, trucking said:

 

Nothing for the UK. Not required.

As we all know, the UK is not same same but different 😉 

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1 hour ago, holy cow cm said:

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.

Makes sense, but unfortunately, Thais can't seen grasp common sense, somehow was overlooked in the gene pool.

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2 hours 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).

 

 

Problem will be if you have heart attack and have long stay in hospital. You use funds from your 400/800k extension money.

What then happens when you want to extend?

Opps sorry sir you have no money in your bank.

This would never work.

 

Its simple really. Cant or wont pay for health insurance then go somewhere else to live.

I suspect all you people on here expect to live in Thailand on your terms.

Fact is you are just a 'tourist' living long term therefore abide by the rules

Be thankful they let you stay.

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37 minutes ago, trucking said:

 

Nothing for the UK. Not required.

Nonsense. See https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/474278/Implementing_overseas_charging_regulations_2015.pdf

 

Non EEA people may not be charged AT POINT OF TREATMENT in A&E for "services provided at an NHS hospital (whether provided at an A&E department or elsewhere in the NHS hospital, e.g. urgent healthcare centre) but not including services provided after the overseas visitor is accepted as an inpatient or at a follow-up outpatient appointment." Your Thai would be billed for the post-emergency treatment.

And "from April 2015, an immigration health charge (“health surcharge”) will be payable by non-EEA nationals who apply for a visa to enter or remain in the UK for more than six months." It's 400 quid a year. No mention of whether the alien might already have some form of insurance.............

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2 minutes ago, isaanistical said:

Nonsense. See https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/474278/Implementing_overseas_charging_regulations_2015.pdf

 

Non EEA people may not be charged AT POINT OF TREATMENT in A&E for "services provided at an NHS hospital (whether provided at an A&E department or elsewhere in the NHS hospital, e.g. urgent healthcare centre) but not including services provided after the overseas visitor is accepted as an inpatient or at a follow-up outpatient appointment." Your Thai would be billed for the post-emergency treatment.

And "from April 2015, an immigration health charge (“health surcharge”) will be payable by non-EEA nationals who apply for a visa to enter or remain in the UK for more than six months." It's 400 quid a year. No mention of whether the alien might already have some form of insurance.............

I have already said this in other forums.

I was going thru all the process to get Long Term Visa for my fillipino gf and its £400 per year paid up in advance for term of Visa and is payable with the Visa Application.

2 and half year Visa 1700 approx then the Health Insurance fee 1000.

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1 minute ago, Teee said:

I have already said this in other forums.

I was going thru all the process to get Long Term Visa for my fillipino gf and its £400 per year paid up in advance for term of Visa and is payable with the Visa Application.

2 and half year Visa 1700 approx then the Health Insurance fee 1000.

OK, hadn't seen it previously. BTW, still in the UK: "You can take out private health insurance in addition to the healthcare surcharge.  However, you will still need to pay the surcharge as part of your visa application.  The Home Office will not waive it for those who already hold or intend to purchase private health insurance." - that's for any visa of 6 months or more.

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4 hours ago, Dogbarker said:

This survey is flawed.The webfact source is not the actual police notice on the subject for  long stayers and that should be used as the correct source only . Mandatory Long stayers insurance applies to o-a not type o visa who have to demonstrate they can self support with funds in or arriving into Thailand according to the latest order ( and ubonjoe ).There are important differences between types of long stayers. For o-a mandatory -yes there are good reason for implementation.. Maybe not just from those insurance companies signed up for it  but others too.

For o type visa it should be optional ... Due to funding requisites for that visa type etc....for short stay there should be proof of adequate insurance at time of entry .( rather than crowd funding).

A  survey such as this leads to the inevitable speculation on the government implementing for everyone rather than documented  fact by the latest regulations.

Sorry Dogbarker. go and read the press releases again. The FIRST one clearly stated ALL Non-Immigrant visas, which means both O & O-A. The 2nd press release made reference to O-A only. The actual order/legislation, or whatever you want to call it, clearly says all Non-Immigrant visas. So all new O & O-A visa applications ( not extensions of stay ) require the mandatory health insurance cover from 31 October.

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5 hours ago, RBOP said:

This is another money grabbing scheme targetting long stay foreigners much like the TM30 money grab. Having health insurance is wise but we should also have the option to self insure. 

I don't agree with many IO rules but isn't it fair to ask an older person to cover themselves....self insurance, I take it you have funds, well surely 20 or 30k for a yearly policy isn't much to ask....I'm with Immigration on this one.

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