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

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5 hours ago, dotpoom said:

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

–Which covers next to nothing for hospitalization, but pays in lump sum – relative small – in case of death or permanent disability.

 

Still it's good to have a Personal Accident insurance, especially if you have no other insurance, but the payout is extremely limited, in my case with K-bank it is:

  • 750,000 baht for loss of life or total permanent disability from general accident
  • 20,000 baht medical expenses per accident (can be up to 50,00 baht for a Thai national)
  • 750 baht in compensation a day when hospitalized, not exceeding 365 days

For a serious accident like here, even at a government hospital the insurance is worth next to nothing, but still a little bit better than nothing.

 

Bangkok Bank has an insurance for nearly 2,500 baht a year with 30k baht hospitalization,, but less in loss of life and disability, i.e. 600k baht; remember it's normally half when driving a motorbike.

 

When travelling as tourist you really need a travel insurance with repatriation, and they are actually very affordable, and furthermore comes with very high limits compares to a health insurance. But they are only valid for travel, and with a limited period of time per travel. In my Scandinavian home country you can have one for less than $200 a year, but limited to 30 or 60 days for each travel.

 

Master Card Gold has in some cases a "build in" similar travel insurance included in the Master Card fee, might even be free (it is in my case). The "illness and accident" insurance is "unlimited" (except some limitations for pre-existing  medical conditions), and "evacuation", including companions, is covered with "reasonable and necessary expenses".

 

Repatriation is the key when travelling– you will be brought home – and the limit of cost is very high, if any. This is also the case here where some $75,000 is needed for that.

 

It's really not worth saving a few hundred $ for a travel insurance. I agree with @4MyEgo in post #2.

 

Hope the family find a solution to bring the injured father home.

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6 hours ago, 4MyEgo said:

Sad news, hope he recovers, but I cannot understand people that skimp out on health insurance and or travel insurance. From my calculations, it costs between 2-3 beers a day for someone that age, and yes I understand some can't get it because of their age and pre-existing conditions, but @ 66, come on, at least self insure, and at that age, if you haven't got money, you should stay in your home country as opposed to being a burden to others, harsh words, yes, but Thailand owes us nothing and we shouldn't be a burden on Thailand. No doubt I will cop some slack here for my open opinion, but it is what it is, the truth, he is now a financial burden to his family on both sides of the fence.

 

I would hate for something to happen to me which would make me a financial burden on my family, either side of the fence, so I take out medical insurance and travel insurance when I travel, sure it costs, but the burden is on me.

 

Strange as it may seem to you, some people have enough money to self insure.

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4 hours ago, ezzra said:

I'm thinking that it's high time travel insurance should be worldwide mandated and a must with every ticket purchased just like half a dozen of surcharges we pay when we buy an airline ticket so should be a bare minimum insurance policy to insure minimum coverage, with the provisions to increase the cover to suits individuals, this way billions will be saved not to mention griff and heartaches will saved to all concerns, be it governments or individuals...

Quite a socialist view.

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I hope this chap recovers, however, another day, another Fundraiser.!!

A frequent visitor to LOS without travel insurance?! This guy is not a youngster on his first backpacking adventure, he knows Thailand and should have been intelligent enough to know he needs adequate travel insurance.

There are enough warnings, leaflets, advice and TV programs in his home country warning of the perils of traveling anywhere without insurance.

His poor daughter now has to beg and borrow money just to get him home.

 

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4 hours ago, Presnock said:

For those talking about insurance in Thailand....I am 73 so I am well aware of cost of a thai insurance co for HEALTH insurance, thus I maintain my US insurer for my health insurance needs if I to need it and have been informed that in 2020 for their clients overseas, there is no deductible!  but as mentioned by several, ACCIDENT insurance (which I also have here in Thailand with a Thai agency - Muang Thai Insurance co. and at 73 it costs me 3400 baht per year.  This covers ANY ACCIDENT, not for health insurance.  But, it is not that much more expensive to add a 100,000 or more to the basic coverage which I think mine is either 300 or 400 thousand at my age, younger people can get the accident insurance for even less!  The hospitals for coverage (that accept it) are the top hospitals in Chiang Mai - we usually use Bangkok Hospital because of location.  The coverage for any accident my family has had (bitten by cat so rabies series after cleaning etc at hospital), broken finger, broken toe, back sprain with muscle spasms and all treatment was paid for by the insurance with absolutely no problem or delay.  All should at least have this insurance!

Sent you a private message and thank you for the information!

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6 hours ago, 4MyEgo said:

Sad news, hope he recovers, but I cannot understand people that skimp out on health insurance and or travel insurance. From my calculations, it costs between 2-3 beers a day for someone that age, and yes I understand some can't get it because of their age and pre-existing conditions, but @ 66, come on, at least self insure, and at that age, if you haven't got money, you should stay in your home country as opposed to being a burden to others, harsh words, yes, but Thailand owes us nothing and we shouldn't be a burden on Thailand. No doubt I will cop some slack here for my open opinion, but it is what it is, the truth, he is now a financial burden to his family on both sides of the fence.

 

I would hate for something to happen to me which would make me a financial burden on my family, either side of the fence, so I take out medical insurance and travel insurance when I travel, sure it costs, but the burden is on me.

 

Vancouver

 

Just for all posters. Dan has a heart condition and other medical problems which does not give him travel insurance coverage. Knowing that he always had $10,000 aside in case sth happened while in Thailand. Bad luck strikes. Do not say he was not prepared or didn't measures. 

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Once you get beyond 60 the insurance only want you at a high premium, normall not affordable by the average Joe.

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18 minutes ago, PEE TEE said:

good investment lets hope you never need to use it but nice to have to peace of mind best wishes 

Accident or travel insurance. 5.000 per month or per year? AXA Thailand  asks at least 10,000 for a decent year travel insurance,

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6 minutes ago, Gerrit1944 said:

Vancouver

 

Just for all posters. Dan has a heart condition and other medical problems which does not give him travel insurance coverage. Knowing that he always had $10,000 aside in case sth happened while in Thailand. Bad luck strikes. Do not say he was not prepared or didn't measures. 

I would be surprised if he was unable to get insurance with preexisting conditions excluded, as they usually are. This would still cover him for an accident if it is unrelated to a preexisting condition

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Im 66 from Canada...reasonable good health...here for 120 days... insurance is 525b a day times 120 days equal 63000b...that my friends is a big expense, unless you are rich, which i am not...this will probably be my last trip out of Canada...

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No matter what insurance you have I doubt many of us would be able to get flown back "home" ?

I am "resident" here like many, my home address is Thailand, why would any insurance company fly me to another country at their expense?

If I am taken ill in another country my insurance would repatriate me to Thailand - Not my home country!

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Where do you get 2,000 TB for accident insurance, do please tell.  many years ago mine was 2,000 from A Thai Bank Insurance Company, this year 6,000 for the same cover.

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6 hours ago, friendphil said:

I BELIEVE that you're way off on the 2-3 beers per day cost of insurance.  And at that age, when I lived in Thailand, it simply was not available, at least through Thai providers, and the farang provider options that were available were simply out of reach of most farangs living in Thailand. 

I know ex-pat insurance is expensive but as I see it this guy was on vacation. Even at his age, travel insurance would of been relatively cheap.

 

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If you all read the article the man is looking to go back to his country in his current medical condition. No standard insurance will cover this. If he has been living in Thailand he does not qualify for travel because he is living not traveling. Travel insurance is good for a few months then it very expensive. 
 

If he want to be repatriated back to his home country under his current medical conditions This is special Airmed Evac insurance. Depending on your condition it is $500 to $800 usd. 
 

So, my take on the article is not regular insurance in which most expat have but Emergency Medical Evacuation Insurance. Yes, Travel insurance covers this but this guy is a long term expat “Not a tourist on short stay”. 

Edited by Travelerusa40
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