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Post by Deleted on Aug 17, 2017 6:36:41 GMT 7
What happens if you need a hospital bed?
Do you get charged at a Thai rate , or will you get charged at a tourist rate?
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Post by Soutpeel on Aug 17, 2017 6:56:14 GMT 7
What happens if you need a hospital bed? Do you get charged at a Thai rate , or will you get charged at a tourist rate? You get charged at a whatever the preveiling rate, this Thai rate versus tourist rate thing is generally a bit of a myth, have some hospitals tried it on, yes...but not true in every case. I suspect a lot of this "tourist" rate thing comes from the fact "X" farang believes he should be getting treated for free or cheap in a Thai hospital, goes to a Thai private hospital and then starts howling scam, and discrimination when he gets the bill and realises he is not in Blighty anymore and the Bangkok group of hospitals is not contracted into the NHS or are Thai Gov hospitals I know people get sick of me preaching this, but if your here long term look at some form of insurance, i say that not intending to be self righteous but have seen first hand what happens when some one gets hit with a lot a medical bills from things like car accidents, heart attacks without recourse to free or subsided treatment. Over the years worked with 2 guys who "self-insured" had no medical insurance were finanically reasonbly well off and were nearly bankrupt because of medical bills and inability to work No one likes paying for insurance, but the day you need it you will be glad you had it |
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Post by Deleted on Aug 17, 2017 7:07:27 GMT 7
Is this a nurse uniform fetish thing?
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chiangmai
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Post by chiangmai on Aug 17, 2017 7:15:47 GMT 7
There's a couple of things to look at on this, the first is which hospital, followed by the type of room, the bottom line is it's your choice and generally, you are in control of the decision and costs. If you select a private hospital chances are you'll be offered a single room with all the trimmings, in CM that will be around 5k baht per night. But it's easy and common enough to refuse it and ask for a lower grade of room or even one that is shared by a number of people, both of which are entirely acceptable for most people. Even Bumrungrad in Bangkok, arguably the most expensive hospital in the country, offers a choice all the way down to mini wards with four beds per room - the cost difference between the top and bottom can easily be from 4,000 to 12,000 baht per night, based on your choice. The larger government hospitals offer similar although there are fewer choices and the range of prices is much lower. Mrs CM had an op. two years ago, paid for by private health insurance, she elected to have it done at the regional hospital which is a massive 2,500 bed affair on the CMU campus. The hospital offered her an upgrade to a private single room for 1,000 baht per night (which we had to pay) and this gave her greater privacy of course and a dedicated shower but not much else of value. If a patient really wants to save money they can request a bed on a Thai ward but this is not for everyone, beds are very close together, the ratio of nurses to patients is very low and many don't have TV's, it's worth checking out if cost is a primary concern. Some costs here: thaiexpathealth.com/much-cost-stay-private-hospital-thailand/ |
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Post by Deleted on Aug 17, 2017 7:40:22 GMT 7
There's a couple of things to look at on this, the first is which hospital, followed by the type of room, the bottom line is it's your choice and generally, you are in control of the decision and costs. If you select a private hospital chances are you'll be offered a single room with all the trimmings, in CM that will be around 5k baht per night. But it's easy and common enough to refuse it and ask for a lower grade of room or even one that is shared by a number of people, both of which are entirely acceptable for most people. Even Bumrungrad in Bangkok, arguably the most expensive hospital in the country, offers a choice all the way down to mini wards with four beds per room - the cost difference between the top and bottom can easily be from 4,000 to 12,000 baht per night, based on your choice. The larger government hospitals offer similar although there are fewer choices and the range of prices is much lower. Mrs CM had an op. two years ago, paid for by private health insurance, she elected to have it done at the regional hospital which is a massive 2,500 bed affair on the CMU campus. The hospital offered her an upgrade to a private single room for 1,000 baht per night (which we had to pay) and this gave her greater privacy of course and a dedicated shower but not much else of value. If a patient really wants to save money they can request a bed on a Thai ward but this is not for everyone, beds are very close together, the ratio of nurses to patients is very low and many don't have TV's, it's worth checking out if cost is a primary concern. Some costs here: thaiexpathealth.com/much-cost-stay-private-hospital-thailand/Yes that's for the bed but what about the cost for say an operation? |
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chiangmai
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Post by chiangmai on Aug 17, 2017 8:10:28 GMT 7
There's a couple of things to look at on this, the first is which hospital, followed by the type of room, the bottom line is it's your choice and generally, you are in control of the decision and costs. If you select a private hospital chances are you'll be offered a single room with all the trimmings, in CM that will be around 5k baht per night. But it's easy and common enough to refuse it and ask for a lower grade of room or even one that is shared by a number of people, both of which are entirely acceptable for most people. Even Bumrungrad in Bangkok, arguably the most expensive hospital in the country, offers a choice all the way down to mini wards with four beds per room - the cost difference between the top and bottom can easily be from 4,000 to 12,000 baht per night, based on your choice. The larger government hospitals offer similar although there are fewer choices and the range of prices is much lower. Mrs CM had an op. two years ago, paid for by private health insurance, she elected to have it done at the regional hospital which is a massive 2,500 bed affair on the CMU campus. The hospital offered her an upgrade to a private single room for 1,000 baht per night (which we had to pay) and this gave her greater privacy of course and a dedicated shower but not much else of value. If a patient really wants to save money they can request a bed on a Thai ward but this is not for everyone, beds are very close together, the ratio of nurses to patients is very low and many don't have TV's, it's worth checking out if cost is a primary concern. Some costs here: thaiexpathealth.com/much-cost-stay-private-hospital-thailand/Yes that's for the bed but what about the cost for say an operation? Ah, you said bed! The cost of the operation is going to depend on two factors once again, the first is the doctor and the second is the hospital. Most doctors seem to work at more than one place, in CM many specialists teach a few hours at CMU, have hours at the large regional hospital, plus hours at a private hospital plus hours at their own clinic in the evening - the location you chose to consult with the specialist in the first instance will affect costs dramatically. Once again in the case of Mrs CM and her op., she could have had the op at a private hospital, CM RAM but she chose the regional hospital instead, the difference in cost was 85k at the private hospital versus 26k at the regional hospital, the same surgeon in both cases. I think your starting point should always be the doctor/surgeon, picking him/her is the most important part and if I can help with any of that please feel free to mail me. The second step is to see if the specialist you've selected has their own clinic, if they do, go and see them there rather than at a big hospital where you'll pay additional fees. The final step is to find out from the specialist what the hospital options are and then agree the details on that basis. As a guide, many hospitals have online cost estimation systems and/or packaged costs for routine operations so that may help you estimate costs, obviously, the less expensive option of a regional hospital doesn't have such things - just check a couple of hospital web sites to get an idea. |
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chiangmai
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Post by chiangmai on Aug 17, 2017 8:20:03 GMT 7
Just to add: I had a cardiac balloon and stent eight years ago and the cost at my local hospital in CM would have been about 400k. As it happened Bumrungrad was running a special at the time so I got the same op. for 176k, plus I got double stamps.  So it does pay to shop around as prices will vary hugely, it also helps if you can understand some of the medical detail and options since that knowledge will help you select a procedure and hospital - in my case I understood the medical difference between medicated and non-medicated stents which saved me a large amount of money and gave the same outcome. |
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smokie36
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Post by smokie36 on Aug 17, 2017 10:26:07 GMT 7
Works the same all over the world hipster.
Government hospital means longer waiting time and whilst the surgeon in charge might be the same no guarantee he will personally do your op.
Private you can be sure its him from start to finish and have quicker service.
Nicer flowers in the private side and food.
All else same.
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Post by Soutpeel on Aug 17, 2017 10:35:12 GMT 7
There's a couple of things to look at on this, the first is which hospital, followed by the type of room, the bottom line is it's your choice and generally, you are in control of the decision and costs. If you select a private hospital chances are you'll be offered a single room with all the trimmings, in CM that will be around 5k baht per night. But it's easy and common enough to refuse it and ask for a lower grade of room or even one that is shared by a number of people, both of which are entirely acceptable for most people. Even Bumrungrad in Bangkok, arguably the most expensive hospital in the country, offers a choice all the way down to mini wards with four beds per room - the cost difference between the top and bottom can easily be from 4,000 to 12,000 baht per night, based on your choice. The larger government hospitals offer similar although there are fewer choices and the range of prices is much lower. Mrs CM had an op. two years ago, paid for by private health insurance, she elected to have it done at the regional hospital which is a massive 2,500 bed affair on the CMU campus. The hospital offered her an upgrade to a private single room for 1,000 baht per night (which we had to pay) and this gave her greater privacy of course and a dedicated shower but not much else of value. If a patient really wants to save money they can request a bed on a Thai ward but this is not for everyone, beds are very close together, the ratio of nurses to patients is very low and many don't have TV's, it's worth checking out if cost is a primary concern. Some costs here: thaiexpathealth.com/much-cost-stay-private-hospital-thailand/Yes that's for the bed but what about the cost for say an operation? In my limited experience with OP in thailand there is no Thai / tourist price either as such, however prices might vary dependent on which surgeon and doctors you have selected I had on open hernia repair some years back and had it done at Bangkok Rayong Hospital, 3 days in, (the 3rd day in was my fault)....private room, incredible pre and post op care by the nursing staff, a surgeon with a good sense of humour...all came to THB 80k odd, my medical insurance phoned me and asked if that was the total cost as it seemed very cheap |
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Post by Soutpeel on Aug 17, 2017 10:36:54 GMT 7
Works the same all over the world hipster. Government hospital means longer waiting time and whilst the surgeon in charge might be the same no guarantee he will personally do your op. Private you can be sure its him from start to finish and have quicker service. Nicer flowers in the private side and food. All else same. And Pizza or KFC delivery if you want it, and one of nurses (in BKK Rayong hospital) will nip down to 7/11 to buy stuff you if you want  |
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buhi
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Post by buhi on Aug 17, 2017 10:46:25 GMT 7
First, insurance is a must. But if over 60 you will not get it if you are not already signed up.
Of hospitals they are much like hotels and range from 5 star down.
My son was born at Bumrungrad, premature, and would likely not have survived at a no star hospital.Neither would his mother.
A second emergency, my wife, direct to our private hospital, about 2 star plus.
Consultant told me the cost of the necessary treatment there, but said, good man, that as my wife was Thai , she would be fine at Bangkok police hospital and his colleague would operate. A difference in price of 100 thousand baht.
Wife is covered by Thai insurance, but there are as in all health insurance the get out clause.
An existing condition will not be covered.
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smokie36
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Post by smokie36 on Aug 17, 2017 11:11:10 GMT 7
Works the same all over the world hipster. Government hospital means longer waiting time and whilst the surgeon in charge might be the same no guarantee he will personally do your op. Private you can be sure its him from start to finish and have quicker service. Nicer flowers in the private side and food. All else same. And Pizza or KFC delivery if you want it, and one of nurses (in BKK Rayong hospital) will nip down to 7/11 to buy stuff you if you want Even an NHS hospital will not object to you ordering a pizza delivery so long as you have not opted for the "Nil by Mouth" treatment plan.  Hospital food is so generally bad I wouldn't book into one which wasn't in delivery range. |
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Post by Soutpeel on Aug 17, 2017 11:20:11 GMT 7
First, insurance is a must. But if over 60 you will not get it if you are not already signed up. Of hospitals they are much like hotels and range from 5 star down. My son was born at Bumrungrad, premature, and would likely not have survived at a no star hospital.Neither would his mother. A second emergency, my wife, direct to our private hospital, about 2 star plus. Consultant told me the cost of the necessary treatment there, but said, good man, that as my wife was Thai , she would be fine at Bangkok police hospital and his colleague would operate. A difference in price of 100 thousand baht. Wife is covered by Thai insurance, but there are as in all health insurance the get out clause. An existing condition will not be covered. Not 6 weeks ago came back from a quickly holiday in CM to a literal shit storm, Mrs S's relative 7 month baby came to stay with us the night we arrived home, and she said the baby had a bit of the trots, over night i could see this was a bit more than the simple trots, Mrs S phoned the mother and how long the baby had been like this...of about 3 days...what !...why did you not take the baby the doctor ?....silence Early next morning all in car...Mrs S wanted to go to Queen Sirikit, as the parents had no medical insurance, my decision.. f that we are going to Bangkok Rayong hospital, which resulted in a 7 day stay in the hospital and the pediatrician treating him told me if we had left it 1 more day, he would have been in ICU, so we just caught it in time The staff and doctors there where absolutely incredible with the baby , but did hear the parents quietly talking to Mrs S, and saying they dont have the money to pay for this....of course i never expected them to pay...it was my decision to bring him to this hospital. But i occurred to me that the worry of not being able to pay for treatment my prevent some parents seeking treatment for their child, and as i mentioned in another thread, i resolved to continue the hunt to get this stand alone kid medical insurance, so they would never have to worry about getting him decent treatment...which we did get sort out eventually through AIA, and i showed the mother and Mrs S, the cost of the 7 days stay in hosptial was almost exactly the same as the annual insurance premium paid. |
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Post by Fletchsmile on Aug 17, 2017 11:58:56 GMT 7
Anyone got a Thai insurance policy with a decent maximum limit? Would be looking for more than THB 5mn max I usually see offered. Preferably more = THB 10mn+ going towards THB 50mn/unlimited Whenever I look the highest I've seen is THB 5mn, with premiums I don't consider VFM. For only THB 5mn max I'd prefer to just keep the premiums. e.g. For Bupa Bupa Platinum Package seems to be the highest coverage. Stops at THB 5mn. www.bupa.co.th/en/individuals/health-insurance/individual/detail.aspx?iid=1#.WZUkElEjFPY |
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Post by Soutpeel on Aug 17, 2017 12:10:28 GMT 7
Anyone got a Thai insurance policy with a decent maximum limit? Would be looking for minimum THB 5mn, preferably minimum THB 10mn+ going towards unlimited Whenever I look the highest I've seen is THB 5mn, with premiums I don't consider VFM My personal one is a UK policy with a crowd called April international and its around GBP 1.0 million cover and i think the premium is GBP 1800/p.a. currently the company pays this for me m.en.april-international.com/united-kingdomIf you wish drop me a line, and i will put you onto the girl at AIA i used in Thailand for the babies policy and have a talk to her, she is a gym friend of my Mrs and she is a pretty straight up honest girl |
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So it does pay to shop around as prices will vary hugely, it also helps if you can understand some of the medical detail and options since that knowledge will help you select a procedure and hospital - in my case I understood the medical difference between medicated and non-medicated stents which saved me a large amount of money and gave the same outcome.
