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With no travel insurance, Canadian family struggles to bring injured father home from Thailand

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57 minutes ago, murraynz said:

it IS  a hazardous pursuit....im sure that in many countries, it is near the top of the list for accidents....regardless, all insurance companies will do their very best, to find a way out ,from settling a claim...

I was looking at various insurance companies a couple of years back and a large international one had an exclusion clause [well down in the list]....no coverage for injuries / accidents etc while performing manual labour. The agent said that's only for paid manual labour; but, of course, you'll never know until "the rubber hits the road."

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3 hours ago, bluesofa said:

I wouldn't really describe falling off a ladder as a hazardous pursuit?

at 66 probably more hazardous. i had a professor who fell of a ladder in his orchard: dead.

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I didn't read in this news article which hospital he is in. Sounds like a lot of baht per day if it is a public hospital. I also never read anything about him or the family expecting Thai people to pay. I imagine the procedure's have been paid by him or the family, and now they are possibly fleecing, I mean charging him a daily rate, a captive audience! My friend who had a motor bike accident had to pay before any work was done, and he was moved to three hospitals here in Thailand. 

 

I wish him all the best, and I hope he makes it back soon before his insurance in Canada expires. If he's out of the country longer then six months then his Canadian gov't insurance may not cover him.

 

 

Edited by 300sd

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4 hours ago, jlwilliamsjr18 said:

Perhaps you can educate us.

"One can get "accident insurance" at the local bank for less than 2000 Bt."

Bangkok Bank plans for accident insurance (excluding anything motorbike) have yearly premiums of 1,500 baht to 5080.

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2 hours ago, PEE TEE said:

my friend from Canada had a bad motorbike crash the Canadian government paid for his hospital expenses including out patients . he told me he was covered in the event of accidents by the government

He would not be covered by the Federal Government of Canada but the Provincial Health Insurance Plan from the province in which he lives, but there are limitations.

`nuf sed.

Edited by wotsdermatter
spelling mistake

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I believe one should at least get an insurance that covers the transportation back home so that you can re-enter your home helath system. My German car club offers such insurances regardless of age and they also cover treatment until safe enough to being flown home. I do understand that the Thais are fed up paying the bills for foreign nationals (try getting treatment in the US without insurance) and why should they. If you are too old to get health insurance for your vacation maybe you are too old to travel?

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I never wish bad luck/health on anyone and I hope this guy gets sorted.

 

I travel to Thailand 4 times a year, I'm now divorced and have a 7 year old child in Thailand, I'm 52 and have BUpa multi trip travel insurance, costs me £140 a year, 90 days limit per trip, and I'd not be without it, I also have accident cover with my Kasikorn bank, which I pay a cover charge of 500 B a year, still prefer to have Bupa though.

 

This guy should have ( as we've all said) had insurance, even if he did. he'd of been silly to say he fell off a ladder, maybe a slip on the stairs would of been a better "claim" reason, not condoning Insurance fraud of course.

 

I also feel that there's more to this story; Thai wife, aged 66..., I'm thinking he's retired in Thailand already, but not wanting the Canadian Gov to know (maybe not eligible for home health care), but that's his business.

 

Good luck to the chap anyway. 

Edited by spoon1967
correction

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3 hours ago, pookiki said:

I certainly hope this man recovers and is able to lead a productive life afterwards. However, I am somewhat tired of the stories on this forum that make health insurance the 'panacea' for all of the problems we can encounter by illness or accident. In the case of a very serious illness or injury, insurance will only delay the inevitable - that an individual will deplete his/her life savings and live in poverty thereafter.  At least Canada treats its citizens better than most in having a good medical insurance for all of its people.  For those of us who have supported our own country's medical schemes through taxes, the obvious answer is to extend this coverage to us outside the country as well.

Oh come on man!! quote: "In the case of a very serious illness or injury, insurance will only delay the inevitable". So what are you saying ?? euthanasia ?? In case you aren't aware, hospitals are there to try and restore a very sick/injured person to good health. Simply put: everyone MUST have sufficient health / travel insurance. If you claim you can't afford it - then you can't afford to travel.

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seems to be getting regular news here on Thai Visa about people not having Medical or travel insurance 

we have all been through the ins and outs  of peoples reasons for not having 

but hopefully some on here will be reading this news item and 

Re-consider their options 

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4 hours ago, pookiki said:

I certainly hope this man recovers and is able to lead a productive life afterwards. However, I am somewhat tired of the stories on this forum that make health insurance the 'panacea' for all of the problems we can encounter by illness or accident. In the case of a very serious illness or injury, insurance will only delay the inevitable - that an individual will deplete his/her life savings and live in poverty thereafter.  At least Canada treats its citizens better than most in having a good medical insurance for all of its people.  For those of us who have supported our own country's medical schemes through taxes, the obvious answer is to extend this coverage to us outside the country as well.

Agree completely-  Most Western countries fund their Healthcare though working citizens paying a percentage of their salary to their Governments.  These citizens should be covered no matter where they travel or reside .  Citizens have already paid into the system.

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3 hours ago, thailand49 said:

Staring this year due to the high premiums for my age I've started to self fund but always have an eye out for something.

 I doubt you can ever get cover for that. 😜 

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And this is why the Thai want ALL OF US to have healthcare insurance.....caprice??

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There seem to be two things going on here

 

Current treatment (being paid) and his current condition which is not so clear, I don't trust hospitals here - if they have someone in their care and are getting large sums of money by keeping him there - what incentive is there for that to stop, hospitals here are businesses when they have paying patients, health insurance or not they are getting huge sums to keep someone in situ - it is a very grey area, it would also be interesting to know what the prognosis is going forward - why are they keeping him in the hospital - is it essential that he stay there ?????? are they keeping him there just to keep the payments rolling in, if was Thai and getting free treatment - would he still be in hospital

 

The second issue is travel to his home country and is linked to the first, in the article it says "he has expressed a wish to go home", meaning that the photo from the article is somewhat misleading likely taken immediately post OP because it would seem that in his current state he is able to express wishes and talk, yes a brain bleed can be a serious injury but does not mean he has not or can not fully recover and since he is talking then that would indicate he is recovering or has recovered and is long out of danger

 

His wife lives in Thailand why does he want to go to Canada ?, it would seem that the current issue is about his current need for care and his current condition and what care he really needs which is back to my first point

 

All of these issues would quickly disappear if foreign retirees and husbands/wives were allowed to pay into the Thai Gov health system 

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