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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, OneMoreFarang said:

Do you know the difference between a standard health insurance and a travel health insurance?

 

A travel insurance covers emergency treatment. Things like food poisoning, a vehicle accident, a bite from a monkey or a heat stroke. It does not cover things like heart operations (if they are no emergency). The idea of a travel insurance is to cover what is necessary in that moment and to get the patient back home. And back home his normal insurance has to pay for everything. That is a BIG difference and this is why they are not comparable.

Looks comparable to me?  I usually don't go to the hospital unless I am sick... haha

The Thai insurance is basically the same. 

I looked at both, looks like both are travel insurance to me. Both exclude existing conditions. If I have a heart attack in Europe it will cover it. Actually IMHO the Europe insurance is much better for the price. Especially considering the extremely cheap cost of health care in Thailand.

Both are written for long term tourist stays. 

If you are in Thailand you can stay for a year, Europe 6 months. So Thailand is for the tourist that stays longer. But, make no beans about it. If you are a liability for the insurance company you will be dropped. Anyone that thinks you are going to live in Thailand with a long term illness on their insurance is sadly mistaken. Also at 70-75 you will be booted anyway. 

What does Europe Travel Insurance policy usually cover?

A good travel insurance policy for Europe should cover the following costs:

  • Medical emergency (accident or sickness) while in the Schengen Area
  • Emergency evacuation
  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection missed due to airline schedule crash
  • Travel delays due to weather
  • Hijacking

 

Edited by garyk
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Next on the Thai agenda will be the rest of the expats that still use the Embassy letter for retirement. They will be required to have the insurance. It may take a while but that is the next step IMO.

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Nothing for the UK. Not required.
And no insurance is required for tourists in Thailand either!

Sent from my SM-G930F using Tapatalk

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18 minutes ago, garyk said:

Next on the Thai agenda will be the rest of the expats that still use the Embassy letter for retirement. They will be required to have the insurance. It may take a while but that is the next step IMO.

That embassy letter has nothing to do with it ...now or future , if it works for the O-A , and seen the profits , your so called next step for them , becomes a next jump to implicate it , as then already all arrangements are proved and working ,as tested for the O-A , as that is just the test case ...followed up for all other category's

IMO 

Edited by david555
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2 hours ago, Teee said:

Its for your type of situation that they are bringing in Health Insurance.

In any other country away from your home...they would EXPECT you to pay for your health problems.

Just because you live in Thailand why should you expect to be treated free??

Where did I say I expected to be treated for free? I have ALREADY PAID out of my own pocket. I am prepared to pay for my treatment so that would negate the need for insurance on my part if that option was available.

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12 hours ago, Thailand said:

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

You mean the roughly 175 people who bothered to respond to the poll at this point, less than 100 of whom voted "no?" 

 

 Definitely.   Those folks in government need a good laugh.

Edited by Suradit69

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10 hours ago, garyk said:

I just looked into travel in Europe. The minimum coverage if you need a visa is about 167 Euro's  for 6 months. So if I double that for a year, 334 Euro's. That is about 367 dollars. That is at 1.1 dollars to the Euro.

At my age in Thailand it is about 70,000 baht for a year. Which is about 2258 US dollars.  And the age of cut off is 70-75.

There is a little trivia for ya.  Haha

 

What happens when a person reaches the 70 - 75 range and can't get health insurance? Is this a way for the Thai govt to get rid of the elderly farang? Looks like it.

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20 minutes ago, HuskerDo said:

What happens when a person reaches the 70 - 75 range and can't get health insurance? Is this a way for the Thai govt to get rid of the elderly farang? Looks like it.

Yeah, if you are on that visa you are headed somewhere else for sure.  

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22 minutes ago, garyk said:

Yeah, if you are on that visa you are headed somewhere else for sure.  

The reasons for retiring outside of a persons home country are diminishing. It might be more expensive in a persons home country but you can adjust your lifestyle to make it work. That way you have freedom, national healthcare/medicare, no language barriers, no visa requirements for bank deposits, no regular "check-ins"  so they(the govt) keep tabs on you, or any number of other items.

 

Whenever I've asked Asians in the US who are not citizens yet if they will ever move back to their homeland almost every response stated "why would I leave the greatest country in the world to return to my home country?" They state they will never leave the US.

 

It's interesting that so many in the West want to retire to Thailand, the Philippines, etc yet the folks from those countries that make it to the US never want to leave even tho they have nowhere close to the wealth of those going the other direction. They are happy in the US and will work until they are nearly 80 to make ends meet as they aren't eligible for social security.

 

Asia might have been a great place to retire to in the past but not so much these days.

 

 

 

 

 

 

    

Edited by HuskerDo
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2 hours ago, HuskerDo said:

The reasons for retiring outside of a persons home country are diminishing. It might be more expensive in a persons home country but you can adjust your lifestyle to make it work. That way you have freedom, national healthcare/medicare, no language barriers, no visa requirements for bank deposits, no regular "check-ins"  so they(the govt) keep tabs on you, or any number of other items.

 

Whenever I've asked Asians in the US who are not citizens yet if they will ever move back to their homeland almost every response stated "why would I leave the greatest country in the world to return to my home country?" They state they will never leave the US.

 

It's interesting that so many in the West want to retire to Thailand, the Philippines, etc yet the folks from those countries that make it to the US never want to leave even tho they have nowhere close to the wealth of those going the other direction. They are happy in the US and will work until they are nearly 80 to make ends meet as they aren't eligible for social security.

 

Asia might have been a great place to retire to in the past but not so much these days.

    

Most other countries want retiree's.

 

Believe me there are MUCH nicer places than Thailand and the retirement rules are very friendly towards us. They actually want us..  🙂

 

I am not sure about other countries, I am US. But, Thailand is probably the worst place for US pensioners to retire IMO. I lived there for 11 years. Had a good time and spent money there. Thailand is a very polluted place. IMO a health hazard.

 

They can implement any laws they want I don't care, I sure don't have to spend my money there, and won't... haha

 

I have a Thai family living across from me. You could not dynamite them out. They used to go back to Thailand every few years. Now they have stopped.

 

I live here in the states in a small house, it costs me about the same as renting a cheap apartment in Thailand. But, it is paid for, so only taxes, utilities and upkeep.

Edited by garyk
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I've always had to pay upfront for any procedure that required any substantial expense. 

How are these people stiffing the hospitals?

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15 hours ago, AJS150654 said:

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!!

 

You saying this, made me think, the insurance company might want to pay for outpatient care for their own protection.  If cheap or broke people won’t go to a doctor to save small amounts of money, they may end up with a  hospitalization that then the insurance will have to pay.

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21 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... 

Well, Thais don't pay triple price in Europe to visit something, like the Eiffel tower

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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.

20 to 30 K for an annual policy, what planet are you on,unless you are about 40!
This compulsory insurance is going to bite everyone one once they pass 70.
Cheapest is Pacific Cross at about 70 k.
I challenge anyone , get projected premiums up to 85 !

The only sensible and fair way is a 440k self insure bond!



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22 hours ago, jvs said:

A lot of tourists already have travel insurance

It's exact , BUT they lost this or these insurance if they don't respect the LAWs in this country.

 

Too many tourists rent two motorized wheels while they do not have the driving license that goes with it;
no driver's license = no insurance.
No insurance company will take in charge a person who does not respect the law.

Whatever the country on this earth .

 

Why do they respect the law in their country and when they come here think they can do what they want?

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