Jump to content
BANGKOK
Scott

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

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

230 members have voted

You do not have permission to vote in this poll, or see the poll results. Please sign in or register to vote in this poll.

Recommended Posts

This would seem ok provided the Thais accept the foreign insurance coverage, and don't start to invente lame excuses to force the retiree/expat to take some scamming and overcharging local insurance.

  • Like 1
  • Thanks 1

Share this post


Link to post
Share on other sites
3 minutes ago, wgdanson said:

And fyi, I just took out a new policy with Cigna, at 71 yrs old. Expensive, but it covers up to Bht 12M.

And the list of exclusions is...??

Share this post


Link to post
Share on other sites

I voted yes, but it would have been good to be able to comment in the voting section, so I am doing it here.

 

I have no problem with the Thai Government asking for Inpatient Cover, but cannot understand the need for outpatient cover, 40,000 baht, whIch Is about $2,000 AUD. If you need to see a doctor and can't pay, you shouldn't be seen!!

 

Share this post


Link to post
Share on other sites

Yes, needed.  I am an OA guy and I have had Thai Health Insurance since the I entered LOS but my current insurance has over 1 million Baht IPD but no OPD.  My current insurance company responded that I cannot add an 40,000 OPD Rider to my current policy. Never needed OPD because so far I have paid Cash or Visa for all of my Out Patient Medical and Dental needs.  For my current policy I pay under 13,000 Baht annually.  For a new policy which complies with the Long Stay Visa Health Insurance criteria I have been quoted annual premiumsform a range of 30,000 to over 46,000 Baht.  TIT.  

Share this post


Link to post
Share on other sites
6 minutes ago, sqwakvfr said:

Yes, needed.  I am an OA guy and I have had Thai Health Insurance since the I entered LOS but my current insurance has over 1 million Baht IPD but no OPD.  My current insurance company responded that I cannot add an 40,000 OPD Rider to my current policy. Never needed OPD because so far I have paid Cash or Visa for all of my Out Patient Medical and Dental needs.  For my current policy I pay under 13,000 Baht annually.  For a new policy which complies with the Long Stay Visa Health Insurance criteria I have been quoted annual premiumsform a range of 30,000 to over 46,000 Baht.  TIT.  

If you would see who sit in the boards of those insurances and compare with who sits on several gov. posts (not needed even to go to the highest level  group ) you would understand the real meaning of this new measure ….I checked once online the board members of a well know law company ….. oh boy soo many white uniforms on that website picture ...

  • Like 1
  • Thanks 1

Share this post


Link to post
Share on other sites
1 hour ago, Teee said:

 

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.

It is simple to move when you have nothing here, but a lot of people seem to have made major commitments, like buying properties, having families, etc. They assumed at that time that the rules won't change. And when you have all these commitments you have become a cow ready to be milked. Sitting duck unable to move.

 

Do you thing the health insurance would be the last change?  There are many more options - double the deposit required for visa, introduce property or stamp duty tax for real estate owned by foreigners.

 

Myself I'll never buy a property here..only rent.

 

  • Like 1

Share this post


Link to post
Share on other sites
2 minutes ago, gearbox said:

It is simple to move when you have nothing here, but a lot of people seem to have made major commitments, like buying properties, having families, etc. They assumed at that time that the rules won't change. And when you have all these commitments you have become a cow ready to be milked. Sitting duck unable to move.

 

Do you thing the health insurance would be the last change?  There are many more options - double the deposit required for visa, introduce property or stamp duty tax for real estate owned by foreigners.

 

Myself I'll never buy a property here..only rent.

 

Do not forget the company form bypass for "owning" house /land seems to get more & more their attention ..... possible cash cow for future fines ...or worse

 

2019-10-13_221856.png

Share this post


Link to post
Share on other sites
58 minutes ago, david555 said:

And the list of exclusions is...??

Only Prostate concerns as I had slight enlargement three years ago. 

Share this post


Link to post
Share on other sites
2 minutes ago, wgdanson said:

Only Prostate concerns as I had slight enlargement three years ago. 

That's very  reasonable …. 

Share this post


Link to post
Share on other sites
Just now, david555 said:

That's very  reasonable …. 

The premium is over £3000 a year....but peace of mind.

  • Confused 1

Share this post


Link to post
Share on other sites
3 minutes ago, wgdanson said:

The premium is over £3000 a year....but peace of mind.

What are you confused about David?

Share this post


Link to post
Share on other sites

It makes sense until you understand that current medical charges are based on, sometimes, not receiving payment. 

If payment is now received, operating expenses will be lower.  Will charges be also lowered?

 

Countries that have done this simply pocket the extra profits.  Will Thailand do the same?

  • Like 1
  • Sad 1

Share this post


Link to post
Share on other sites
4 hours 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.

Don't get me started on TM30. Yes, I got fined 3,000 baht when I went from a BOI supported visa/WP at Charmjuree to Retirement visa at Changwattana. CW fined me for not reporting my wife, child and myself on a TM30. Charmjuree has never required a TM30. I also tried to register for TM30 one week before going to Changwattana and showed them my acknowledgment print out but they didn't care. Pay fine 3,000 baht and no fine receipt given back either.   I finely got my online passward after 8 1/2 weeks.  Have you not been following all the news hype about TM30 controversy?    

  • Like 1

Share this post


Link to post
Share on other sites
2 minutes ago, wgdanson said:

What are you confused about David?

Just about the money , but i come from a nanny state of Europe where health insurance is very reasonable priced , not USA type ,that's also the reason we are a magnet for economic refugees  immigrants ...

 

I have a simple Axa no age limit , no pre history for 450€ /year but only covers up to 12500€ each incident , on year basis , also included repatriation option , but only possible if you are insured in your own country by government ….. I guess that if costs to high for them they choose to repatriate and put on the local country governmental health care costs , ( no problem for me anyway as I am a single loner here ...555

Also other things included as bail provision ( must pay back), repatriation by dead (further costs at country for  ….or burial /cremation in Thailand at max 40 000 baht

 

Short said , basic , comparable with   a travel insurance as covers whole world exept my native home country but covers the needs as in home country almost free care as a Gov.pensioner when repatriated 

  • Like 1

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 members

    No registered users viewing this page.

×
×
  • Create New...