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Retirees and medical insurance

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To this must be added the consideration that most insurance policies carry exclusion clauses which can void individual claims.

 

There is the out on claims, exclusions, and pre existing conditions , blah blah blah.

He says 400,000 wont handle heart surgery and ICU? Really I was in a private hospital here in July; many tests for CAD; then surgery and a stent fitted, ICU 24 hours, 2 nights in a room in the hospital and 2 months of drugs on discharge, 347,000 baht.

 

So the guy who wrote this does he work for an insurance company and using scare and divide tactics to lure more customers?

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3 hours ago, Jingthing said:

One problem with this article is that we already have some reports that some offices intend to enforce the insurance requirement on EXTENSIONS when the base visa is O-A starting after 31 October. That may not be the intention of the police order but actual enforcement matters to expats much more than police orders. 

The way the Police Order is worded, it could reasonably interpreted that it applies to to extensions for which the base visa (used to obtain the original permission to stay) was a Non-Immigrant "O-A" and it most likely was the intention.  But, as mentioned, how the new rule is enforced is what will matter, which we will not know until after the end of this month when those whose extensions are based on an O-A visa report on whether they are being required to have health insurance of not.

 

What is missing in the new orders, but alluded to by the Ministry of Public Health officials when originally announced, is the acceptance of foreign health insurance policies that meet the requirements or the ability to self insure by showing sufficient funds to cover medical costs.  Foreign health insurance policies apparently can be used by future applicants for O-A Visas at Thai Embassies or Consulates based on the Certificate that can be downloaded from the Thai General Insurance Association (TGIA) website.  But, for extensions, the new requirements in the Police order specifically states an insurance policy purchased through the TGIA website - which is a listing of links to various Thai insurance companies.

 

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Not enough coverage for even 2 months up-to-date cancer treatment, depending on cancer type. I just made year 5 and total cost incl. 8 surgeries, chemo, Immune and Targeted Therapy close to 1 Mio, 🇺🇸 $.... Not Baht... MS>

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My bet is they will allow extensions for Non O without insurance but will require proof of insurance if anyone goes to a nearby consul to get a new Non O visa for purposes of retirement... Present Non O holders are grandfathered but one visa renewal failure (which they can selectively facilitate) and there is no way to get a new visa to start over without insurance... Thais save face by not being seen as taking away visa only not issuing new ones... Similar to how they fazed out the Condo visas...

Edited by sfokevin
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