MrToad
Vigilante
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Post by MrToad on Aug 17, 2017 18:40:46 GMT 7
I think it's really a must.
I have a Bupa Policy which is worldwide other than US.
Having got caught out as hdnt renewed policy i got saddled with around 50k of hospital expenses, which ok is not a killer but was a chunk to pay out in one go.
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chiangmai
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Post by chiangmai on Aug 17, 2017 18:48:33 GMT 7
I think it's a must also, but if you don't have it things can still work out well, I've been without it for 15 years and now I can't get it if I even wanted it.
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oldie
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Post by oldie on Aug 17, 2017 18:51:46 GMT 7
Just a couple of years back, whilst tripping back and forth both as a family and individually between Aus and Thailand, in the process of juggling everything I managed inadvertently for the wife and kids to have no insurance for about 4 weeks. I am usually totally thorough about insurance.
Anyway, Murphy's Law, the son ended up violently ill in Bangkok.
Off to The Mission hospital for the best treatment insurance can buy. Bed, food, blood and other tests, treatment including intravenous, a private room for him and the wife.
Come time to settle the bill the penny dropped. No insurance. I actually felt ill when I realized my mistake.
Ok, time to put it on the credit card. So the bill was presented. 12000 baht or about $400. I opened my wallet and gladly paid cash. I was expecting 10 fold. The list of tests alone was pages long.
However it was a lesson learnt. Check and double check.
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Post by Soutpeel on Aug 17, 2017 18:53:09 GMT 7
I think it's a must also, but if you don't have it things can still work out well, I've been without it for 15 years and now I can't get it if I even wanted it. At the very minimum one should a policy which will cover in patient treatment, ie the big ticket items.... |
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chiangmai
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Post by chiangmai on Aug 17, 2017 19:10:03 GMT 7
I think it's a must also, but if you don't have it things can still work out well, I've been without it for 15 years and now I can't get it if I even wanted it. At the very minimum one should a policy which will cover in patient treatment, ie the big ticket items.... The cost factor aside, no medical health insurance company anywhere will cover existing conditions, that just makes it even worse for people looking for policies. |
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Post by rgs2001uk on Aug 18, 2017 21:12:36 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#.WZUkElEjFPYWhy not just buy two policies? Have the same problem with house insurance, they seem to go to 5 million tops, girl at Tesco/Lotus told me two but two policies, costs about 8,000 baht per year. If you are getting into the prices you mention, you have problems big time, better to head home and throw yourself at the mercy of the welfare state. In Thailand, liver transplants, forget it. Kidney dialysis treatment forget it. Your biggest outlay will be a triple valve replacement which will be less than 5 million. 50 million baht, thats a million + pounds, better to get on a plane and head to India. |
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chiangmai
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Post by chiangmai on Aug 19, 2017 4:23:29 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#.WZUkElEjFPYWhy not just buy two policies? Have the same problem with house insurance, they seem to go to 5 million tops, girl at Tesco/Lotus told me two but two policies, costs about 8,000 baht per year. If you are getting into the prices you mention, you have problems big time, better to head home and throw yourself at the mercy of the welfare state. In Thailand, liver transplants, forget it. Kidney dialysis treatment forget it. Your biggest outlay will be a triple valve replacement which will be less than 5 million. 50 million baht, thats a million + pounds, better to get on a plane and head to India. Just for info: hemodialysis in Thailand is quite common and available almost everywhere, private hospital charge is about 2k Baht per session, cheaper but long waiting lists at government hospitals. And liver transplant is also widely available, expensive in big cities but in CM for example, about 1 mill baht. Bypass surgery also very common, about 500k baht (not Bumrungrad). So one off procedures are manageable for many people I imagine, the problem would be recurring and ongoing treatment costs over time. Not sure if two policies will work and/or be allowed, it wouldn't for me. I had a quote from a Thai health insurance company last year, 250k deductible PLUS co-pay on next 300k, pre-existing conditions not covered - 18k baht per month! ANY investigation/test/treatment in the past ten years for anything counts as an excluded item! |
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Post by Soutpeel on Aug 19, 2017 6:06:59 GMT 7
Why not just buy two policies? Have the same problem with house insurance, they seem to go to 5 million tops, girl at Tesco/Lotus told me two but two policies, costs about 8,000 baht per year. If you are getting into the prices you mention, you have problems big time, better to head home and throw yourself at the mercy of the welfare state. In Thailand, liver transplants, forget it. Kidney dialysis treatment forget it. Your biggest outlay will be a triple valve replacement which will be less than 5 million. 50 million baht, thats a million + pounds, better to get on a plane and head to India. Just for info: hemodialysis in Thailand is quite common and available almost everywhere, private hospital charge is about 2k Baht per session, cheaper but long waiting lists at government hospitals. And liver transplant is also widely available, expensive in big cities but in CM for example, about 1 mill baht. Bypass surgery also very common, about 500k baht (not Bumrungrad). So one off procedures are manageable for many people I imagine, the problem would be recurring and ongoing treatment costs over time. Not sure if two policies will work and/or be allowed, it wouldn't for me. I had a quote from a Thai health insurance company last year, 250k deductible PLUS co-pay on next 300k, pre-existing conditions not covered - 18k baht per month! ANY investigation/test/treatment in the past ten years for anything counts as an excluded item! Those deductables/co payments are rough, my deductable is the first 90 quid on mine, on pre-existing conditions thats pretty much standard on insurance world wide, even when i worked in SA and the company medical insurance was one of the best in the country, when one got married, pregnancy was excluded for first 12 months after you put your wife on your policy |
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chiangmai
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Post by chiangmai on Aug 19, 2017 7:32:39 GMT 7
Just for info: hemodialysis in Thailand is quite common and available almost everywhere, private hospital charge is about 2k Baht per session, cheaper but long waiting lists at government hospitals. And liver transplant is also widely available, expensive in big cities but in CM for example, about 1 mill baht. Bypass surgery also very common, about 500k baht (not Bumrungrad). So one off procedures are manageable for many people I imagine, the problem would be recurring and ongoing treatment costs over time. Not sure if two policies will work and/or be allowed, it wouldn't for me. I had a quote from a Thai health insurance company last year, 250k deductible PLUS co-pay on next 300k, pre-existing conditions not covered - 18k baht per month! ANY investigation/test/treatment in the past ten years for anything counts as an excluded item! Those deductables/co payments are rough, my deductable is the first 90 quid on mine, on pre-existing conditions thats pretty much standard on insurance world wide, even when i worked in SA and the company medical insurance was one of the best in the country, when one got married, pregnancy was excluded for first 12 months after you put your wife on your policy My exclusions covered the majority of my body, as said earlier, any part of your body that has been subject to test or treatment is excluded, as is the associated parts of your body. So because I have a cardiac stent my heart and the entire vascular system is excluded, including the cerebrovascular (brain) and the peripheral vascular system (the rest of the body) PLUS any complications resulting from. And so it goes on, if you've had a gastroscopy to check for cancer of the bowel, even if the result was negative, the entire gastric system is excluded from coverage. It's crazy really. I think the bottom line with that policy was that I would be covered for problems resulting from ingrown toenails that developed on a Wednesday, left foot only and even then, subject to co-pay. Anyway SP, I remember we talked about this a couple of years ago on TV and I'm pleased to tell you my same plan is still working and the money I put aside way back when for medical expense is still ring fenced plus I still add to it from time to time. Touch wood! |
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chiangmai
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Post by chiangmai on Aug 19, 2017 7:44:44 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#.WZUkElEjFPYHere's a quote I received from my broker two years ago, maximum coverage is USD 2 million per year. Attachment DeletedAttachment Deleted |
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siampolee
Detective
Alive alive O
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Post by siampolee on Aug 19, 2017 9:48:56 GMT 7
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chiangmai
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Post by chiangmai on Aug 19, 2017 10:01:10 GMT 7
That makes pre-existing conditions seem irrelevant. Personally, I'd like to do a Phillip Seymour Hoffman if things get to that stage, sounds like a fun way to exit, cheap, no mess and no chance of addiction.
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AyG
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Post by AyG on Aug 19, 2017 12:55:24 GMT 7
Personally, I'd like to do a Phillip Seymour Hoffman Die at the age of 46? |
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siampolee
Detective
Alive alive O
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Post by siampolee on Aug 19, 2017 13:07:04 GMT 7
Below is an image of a heroin overdose death. It does seem at odds with the image of Hoffman's solution and its ultimate or his ultimate ending.  |
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chiangmai
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Post by chiangmai on Aug 19, 2017 13:08:29 GMT 7
Re; 46 .  I believe from what I have read the Seymour died of a heroin overdose because the heroin he used was far stronger than he imagined, he is reported to have been found with the syringe still in his arm hence death was not only extremely quick but likely enjoyable also for a very brief time. Having said all that, my comment earlier on this subject was somewhat tongue in cheek although having now thought about it for longer, the idea does have merit compared to many of the alternatives. |
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