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brianj1964

O/A visa and insurance experience today

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I have tried to get required health insurance for Viriyah and from AXA  the underwriters have made up Pre existing conditions that I don't have, and my Dr. confers that I don't have? 

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3 minutes ago, lopburi3 said:

Actually I suspect the majority of the unpaid hospital bills are the results of those much younger having accidents, getting emergency treatment and then leaving the country to avoid paying bills as they have no travel insurance or don't feel the responsibility to pay. 

 

i think that's unlikely, travel insurance is very cheap in comparison to health insurance and as you get older you are more likely to need hospital treatment. Every year you are 10% more likely to die

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2 hours ago, scubascuba3 said:

The authorities have a point with the old fellas 70-80+ who have no insurance OR money to pay for medical costs. These guys are causing the problem. There definitely needs to be two options though, health insurance or money in the bank, It's sensible but TiT

You are probably right, they are the types who might well end up in ICU for weeks on end, at umpteen 1000s per day. But there surely must be a large component of short term tourists who end up in hospital too, accidents etc and the number of tourists is substantial. Lots of Gofundme pages for these in Thai hospitals.

It seems logical to expect some required coverage for all us retired Expats.

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A inflammatory post and the expected replies to it have been removed.

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2 minutes ago, jackdd said:

Just for entering the country while the visa is valid a foreign insurance will be accepted, if you have the "foreign insurance certificate".

I think of my printed policy as a "foreign insurance certificate". Or are you talking about something else. 

I think it maybe a can of worms on your 2nd year entry where an IO may deny you because of not understanding the original policy actually lasts two years. Hopefully i'm wrong on that! Of course it could be clarified and noted on the visa by the embassy.

 

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23 minutes ago, UncleMhee said:

I think of my printed policy as a "foreign insurance certificate". Or are you talking about something else. 

I think it maybe a can of worms on your 2nd year entry where an IO may deny you because of not understanding the original policy actually lasts two years. Hopefully i'm wrong on that! Of course it could be clarified and noted on the visa by the embassy.

 

The insurance certificate is a one page summary of the policy with insurance directors signatures. The foreign insurance certificate is an example. The first page of my Pacific Cross Maxima written policy is the stamped and signed certificate. Immigration will want to see the certificate rather than try to read and interpret the full written policy.

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12 minutes ago, ubonjoe said:

I agree with you.

Immediately after the the cabinet resolution was done they  proposed a fee on entry to the country for tourists but it got shot down due to its effect on the tourism numbers.

I think they consider those on OA visas more likely to leave the country after running up medical bills than those on extensions of stay. Most people staying here on extensions of stay have stronger ties to the country and are unlikely to leave the country to avoid paying medical bills.

All the more reason for believing that immigrations intent for the police order is not for those applying for extensions of stay.

Makes sense...they don't like the idea of 100 baht fee on entry per tourist, instead prefer the circ 200k for health insurance for a 70-80 yo

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"They" may consider those uninsured on OA visas more likely to leave the country after running up medical bills, and in some cases that would be true. The same as in some cases people choose to overstay, while others use agents; though not for expediency.

 

And yes, if you live here 24/7/365 your connections to the country are definitely stronger; the argument though is somewhat tenuous if the only time the O-A holder leaves is for one weekend in two years to get the second year. Then only has a month at home having organised the main documents; police check online. It's then a rather simple matter of putting the application documents together and getting another visa and returning having been scrutinized in a different way.

Edited by UncleMhee

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1 hour ago, scubascuba3 said:

i think that's unlikely, travel insurance is very cheap in comparison to health insurance and as you get older you are more likely to need hospital treatment. Every year you are 10% more likely to die

Travel insurance may well be a lot cheaper when compared to health insurance, but a sizeable chunk of the tourist brigade still require some inducement to take out a suitable policy - which being cheerfully allowed to enter Thailand without one clearly does not provide!

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17 minutes ago, OJAS said:

Travel insurance may well be a lot cheaper when compared to health insurance, but a sizeable chunk of the tourist brigade still require some inducement to take out a suitable policy - which being cheerfully allowed to enter Thailand without one clearly does not provide!

It's the same in every country I've visited, they don't insist on travel insurance, they realise if you need medical treatment whilst in their country you are liable, same here

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