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First hospital stay in Thailand was good - is this cheap or what?


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As a 65 year old with a few pre-existing conditions I have only one real worry in Thailand and that is getting a massive hospital bill. I have good UK cover but am pretty sure if anything happens to m

Do not let the low bill lull you into complacency. You did not require surgery or ICU care.   Bills in government hospitals can easily exceed 1 million baht if specialized surgeries and/or p

I reckon so, the "0" is very close to the "-", 3-5 million seems much more sensible.  

22 minutes ago, Saltire said:

Costs: CT Scan 3500 Baht, all other expenses, 2 nights, 2 doctor consultations, IV and all medications (including the backpack of meds to take home), all inclusive 1800 Baht.

Perhaps some pain killers of sorts were amongst the lollies they provided you, hence no more lower back pain ?

 

Lower back pain is common, you need to strengthen your core, try some planks, YouTube has some good plank video's, you can thank me later.

 

The 2 nights accommodation sounds a little expensive, but then again, it would cost much more in a private hospital.

 

You really should look at getting private cover because if you have a serious accident or have a heart attack etc etc etc it could clean your nest egg out ?

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1 minute ago, Sheryl said:

Do not let the low bill lull you into complacency. You did not require surgery or ICU care.

 

Bills in government hospitals can easily exceed 1 million baht if specialized surgeries and/or prolonged ICU car is needed.

 

You were also lucky hospital had CT available, more often there is a long wait and patients end up going private where cost is 4 times as much just for the CT.

 

Basically if you will be using only government hospitals you need to have 1 million readily available. If private, 305 million. And in both cases, a means of replenishing it or other plan for when it is gone. Or else insurance.

Thanks I have provision for 2/3 million in self insurance if my UK policy don't pay up. However I think your figure of 305 million may be a typo?

 

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1 minute ago, 4MyEgo said:

Perhaps some pain killers of sorts were amongst the lollies they provided you, hence no more lower back pain ?

 

Lower back pain is common, you need to strengthen your core, try some planks, YouTube has some good plank video's, you can thank me later.

 

The 2 nights accommodation sounds a little expensive, but then again, it would cost much more in a private hospital.

 

You really should look at getting private cover because if you have a serious accident or have a heart attack etc etc etc it could clean your nest egg out ?

Thanks

 

Yes I don't know what it was but for pain they put me on a small IV, but it had no effect on the pain in my head whatsoever and they just gave me paracetamol. For my home meds they have given me Diclofenac, paracetamol and an antibiotic course..

 

I have a good uk policy but with my preexisting conditions I suspect I am not covered for much.

 

Off to do some planks now

 

 

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12 minutes ago, Saltire said:

I have a good uk policy but with my preexisting conditions I suspect I am not covered for much.

 

Re the UK policy, just look into it a little further as some countries will cover you, but in the small print can say something like this, overseas cover is for no longer than 3-6 months and if your residency status changes e.g. more than 180 days, you are no longer covered.

 

I say this because I looked into this when I left Australia and up to 6 months was the max as the residency status change would nullify the policy.

 

12 minutes ago, Saltire said:

Off to do some planks now

 

A little difficult at first, but will do you good in the long run. keep it up.

 

With regard to insurance here, you can contact AA Insurance Brokers who can shop around for you and get you something you need that suites, "up to you" 🙂

 

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5 minutes ago, 4MyEgo said:

 

Re the UK policy, just look into it a little further as some countries will cover you, but in the small print can say something like this, overseas cover is for no longer than 3-6 months and if your residency status changes e.g. more than 180 days, you are no longer covered.

 

With regard to insurance here, you can contact AA Insurance Brokers who can shop around for you and get you something you need that suites, "up to you" 🙂

 

I have a proper annual expat medical policy cover is 13 million Baht, but as I have diabetes and a heart condition they are unlikely to cover anything they can pin on those. I am covered worldwide and for up to 30 days if I go home to the UK or to USA even though USA is an exclusion. They cover holiday travel to anywhere.

 

I am in contact with AA as someone mentioned they can arrange a policy to include pre existing conditions (at a premium of course) but I am covered till July 2021 so will re-evaluate nearer the expiry date.

 

 

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1 hour ago, Saltire said:

As a 65 year old with a few pre-existing conditions I have only one real worry in Thailand and that is getting a massive hospital bill. I have good UK cover but am pretty sure if anything happens to me and I try to claim there is a good chance it will be denied on the basis of the pre-existing conditions and I will have to pay.

 

I was pleasantly surprised therefore when a few days ago I fell down a 3 metre embankment on the farm and hit my head hard, knocking me unconscious for about 5 minutes. A few head gashes to be stitched do it was off the nearest government hospital one hour drive away. This is a relatively small regional hospital, two hours more to the large provincial one.

 

I was very wary but there was in fact nothing to worry about. The place was hygienic and efficient, and thankfully pretty quiet. It was recommended I get a CT scan as I had hit my head hard and they were concerned about bleeding in the brain, so I agreed to a 2 night stay for tests and results. The first night I slept in the general ward and the second night oone of only 2 small private rooms was available so I moved. It was better than many hotel rooms I've stayed in, and was worth the extra 500 Baht. The staff were very attentive and must have taken my blood pressure at leat 20 time during my stay, as wekl as temperature, puls and a glucose level.

 

Costs: CT Scan 3500 Baht, all other expenses, 2 nights, 2 doctor consultations, IV and all medications (including the backpack of meds to take home), all inclusive 1800 Baht.

 

I am posting as I would love to know if this is typically the cost of a government hotel in a non touristy, non Bangkok area? How does it compare to your experience?

 

While a little reassured now I still worry that I am too far from a real hospital, a point I talk to the wife about often but now she realises the problem and we will look at moving closer to civilisatiion at some point.

 

PS This is weird, but I have suffered from lower back pain for a very long time but I just noticed today that the pain in my lower back has completely gone! Getting up from a low chair or bed was always a bit achy but now I am leaping up like a young man! Should have fallen on my head sooner 🙂

 

 

 

in 2012 i had CT scan....BKK Pattaya hospital.....21,500 baht i cost me.....

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19 minutes ago, richard_smith237 said:


If insurance is paying - Bumrungrad is the best option. 
 

If my insurance is not going to pay I’ll look for better priced treatment elsewhere. 

My UK policy excludes about 8 hospitals worldwide - guess what the one in Thailand is?

 

Yep, Bumrungrad.

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10 minutes ago, Saltire said:

I have a proper annual expat medical policy cover is 13 million Baht, but as I have diabetes and a heart condition they are unlikely to cover anything they can pin on those. I am covered worldwide and for up to 30 days if I go home to the UK or to USA even though USA is an exclusion. They cover holiday travel to anywhere.

 

I am in contact with AA as someone mentioned they can arrange a policy to include pre existing conditions (at a premium of course) but I am covered till July 2021 so will re-evaluate nearer the expiry date.

 

It sounds to me like you have a travel insurance policy which also covers hospital cover ?

 

I went through AA Insurance Brokers who got me cover for a pre-existing heart condition, with David Shield, it cost about an extra 1,500 baht per month on top of the policy, although I do believe you have to be under 64 to get in the door, so you might be better off making earlier enquiries as opposed to waiting it out as I know a lot of insurers won't touch pre-existing conditions and dump you when you hit a certain age.

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