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  1. #1
    I'm not in jail...3-2-1. Jack meoff's Avatar
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    Health insurance Thailand

    What are you paying these days for a basic in-patient health insurance?
    I was covered by work many years ago at around 32k pa by a NZ firm.
    Enquired recently and was flabbergasted at the cost.

  2. #2
    Days Work Done! Norton's Avatar
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    Quote Originally Posted by Jack meoff View Post
    What are you paying these days for a basic in-patient health insurance?
    I was covered by work many years ago at around 32k pa by a NZ firm.
    Enquired recently and was flabbergasted at the cost.
    If you are over 60, decent coverage is beyond flabbergasting. Over 75 as I am most companies won't even bother to quote.

    Hence, I have no insurance here. Pay as I go. If have major prob will return to US where I have very good coverage.

  3. #3
    I'm not in jail...3-2-1. Jack meoff's Avatar
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    Thanks Norts,
    I am under 60 and average quote was around £300 (13000 baht) per month and i have no medical problems .

    Wifey says i will get much cheaper in LOS, hence the question.

  4. #4
    Thailand Expat

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    Rather than bump this old thread, see link below
    https://teakdoor.com/health-fitness-a...insurance.html (Health insurance)

    I thought I would ask here as well. Is there a good insurance company here that will insure me?

    I am 65 and while I think I am healthy enough I would probably be considered otherwise by an Insurance company.
    I currently have no Insurance anywhere. No Medicare card in Australia a situation that may be remedied when I become a tax payer again this year.
    Up until last year I was covered by world wide Insurance paid for by the company I worked for and it was brilliant.
    Since then I have used the Thai government hospital system and think it is excellent. I use Suranee University of Technology hospital in Korat where there are doctors with very good spoken English. I go there because then my missus doesn't have to come with me to interpret.

    Norton I see your reply and was just wondering what constitutes "flabbergasting" in terms of cost?

  5. #5
    I'm not in jail...3-2-1. Jack meoff's Avatar
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    ^thanks for the link oo
    I did a search as i thought there must be some info on here and didn't see it.

  6. #6
    I'm in Jail

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    I am not convinced that even if you pay up the pricey policies that they won't find ways of avoiding paying. The last thing you want being wheeled in critical is a debate over who pays. I've yet to decide once i move across. I will not spend all year in Thailand and so i'm thinking a sink fund to cover the initial emergency treatment to get stable and a flight to the UK but i need to give it more thought. Its a bugger as you get older that these things become more of a preoccupation.

  7. #7
    The Fool on the Hill bowie's Avatar
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    Married couple, American male 62yo, Thai female 57yo, Cigna Global, USD $365/mo. for both, with USD $5k/pp deductible, USD $1M/pp maximum.
    Both in good/excellent (you pick the "undefined" adjective) health, i.e. no pre-existing conditions and/or exclusions.

    I spend considerable time reviewing and investigating my options, Cigna is/was/and will probably continue to be my/our most viable, best bang-for-the-buck, insurance provider. I've talked to several their customer service reps, I've talked to several medical insurance brokers, I've talked to many expats, and, as a Veteran, not a military retiree, I've talked to other Veterans concerning my options.

    It is a pretty complex subject, and one size does not fit all. It is virtually impossible to compare apples-to-apples. I would advise you, and anyone else, to discuss your specific situation with a broker, or two or three. Yes, they get commissions/incentives so their opinion is somewhat biased, but, they make their livings investigating and knowing what is available and what will/would be the best fit for you. Doing your own due diligence investigations is ridiculously time consuming.

    Unfortunately, seems like we can all expect 5 - 10% premium increases on an annual basis. Population growth provides a never-ending supply of new customers so insurance companies can be selective concerning their customer base. They are regulated businesses and as such they must be profitable to survive. If not profitable they would fold leaving their existing customers holding the bag.

    Realize this truth, at some point in time, it will become cost-prohibitive to use medical technology to provide a reasonable standard-of-living, and, at some point in time, self-insuring will be the most cost effective option.

  8. #8
    Days Work Done! Norton's Avatar
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    Quote Originally Posted by ootai View Post
    Norton I see your reply and was just wondering what constitutes "flabbergasting" in terms of cost?
    From 3 companies average 210k baht a year with average coverage (2mil per year) and a lot of fine print. I'm in good health. Sure like anyone get sick couple times a year but never more than 10k per incident. Math says, pay as you go and if serious go back to US and use medicare/medicaid benefits. Essentially free.

    As others point out, all depends on individual need and trust worthiness of insurer.
    "Whenever you find yourself on the side of the majority, it is time to pause and reflect,"

  9. #9
    I'm not in jail...3-2-1. Jack meoff's Avatar
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    Was reflecting on a good friend who passed away recently in LOS.
    He had a good Bupa policy luckily.
    He had hip surgery then when first stood up broke the pin/hip and had to have it redone total cost 750k.
    Then his cancer surgery another 250k
    He had many other medical problems.
    He was given the all clear and passed away 2 weeks later aged 69.

  10. #10
    I'm in Jail

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    Jeez thats tough, to go through all that and peg it anyway. Its a bloody lottery.

  11. #11
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by Norton View Post
    I'm in good health. Sure like anyone get sick couple times a year but never more than 10k per incident. Math says, pay as you go and if serious go back to US and use medicare/medicaid benefits. Essentially free.
    Spot on. Depending on ones location I'd recommend using a military hospital. In Korat the military hospital is as well equipped and clean as any private hospital and cheaper.

  12. #12
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    If somebody interested in health insurance combined with life insurance (pakaan shivid) I can introduce local AIA (former subsidiary of AIG), my wife is agent for many years. They have various programs, some of them combined with investment (better than from a bank), also possible for an aged falang.

  13. #13
    Thailand Expat jabir's Avatar
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    Quote Originally Posted by Klondyke View Post
    If somebody interested in health insurance combined with life insurance (pakaan shivid) I can introduce local AIA (former subsidiary of AIG), my wife is agent for many years. They have various programs, some of them combined with investment (better than from a bank), also possible for an aged falang.
    Scammers! Sold my wife a 15-yr policy at age 24 having promised she will get paid on expiry, which technically is true since the microprint says it expires when she's dead or 99.

  14. #14
    Thailand Expat
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    That's strange. Might be that you got it wrong from the wife or she from the agent. In case she has dealt with a crooked agent and was wrongly advised she should report it at the provincial HQ or in Bkk.

    I am with AIA over 20 years, covered everything what's contracted, cashing regularly a good money. Whilst it's not so huge as some in town who incredibly enhancing often their policies to make even more profit.

    AIA is the biggest and most reputable insurance company (not only) in Thailand.

  15. #15
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    Quote Originally Posted by Norton View Post
    From 3 companies average 210k baht a year with average coverage (2mil per year) and a lot of fine print. I'm in good health. Sure like anyone get sick couple times a year but never more than 10k per incident. Math says, pay as you go and if serious go back to US and use medicare/medicaid benefits. Essentially free.

    As others point out, all depends on individual need and trust worthiness of insurer.
    what I had done in the uk.before I came here perminant,2million wouldn't cover it.
    as my age is coming up to the point of no return,anything that needs to be done in an emergency I have told the wife if its goner cost over 1million I will stay put and take my chance.
    I too have used 3 government hospitals in KORAT,1 I no longer go to down to incompetence,the other 2 once at suraneree the doctor I saw was brilliant with good service,the other one 3times the past 3months I saw different doctors all of whom were very good and left me feeling better than I have been for over 9yrs.
    my cost at suraneree 90bht.meds.50bht.doctors fee.the one I use now,meds 75bht.doctors fee 50bht.
    the other hospice which I no longer use,charged me 25k.bht for a CTA SCAN.which they fyked up.
    so if you can put up with the waitng [outpatient] and the crowds,as ell as the sneering looks,there isn't much wrong with most gov.hospitals.
    and another thing,you can have a private room,with someone with you 24/7.cost around 1,500bht.

  16. #16
    Thailand Expat Pragmatic's Avatar
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    Headhunter have you used both Suranaree hospitals? I have, and you'd be hard pushed to find a private one that is better.

  17. #17
    Thailand Expat jabir's Avatar
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    Quote Originally Posted by Klondyke View Post
    That's strange. Might be that you got it wrong from the wife or she from the agent. In case she has dealt with a crooked agent and was wrongly advised she should report it at the provincial HQ or in Bkk.

    I am with AIA over 20 years, covered everything what's contracted, cashing regularly a good money. Whilst it's not so huge as some in town who incredibly enhancing often their policies to make even more profit.

    AIA is the biggest and most reputable insurance company (not only) in Thailand.
    I have the policy, and after 15 years on the drip only by virtue of pestering them from several months later did they come up with a 'certificate' of payment completion, which happens to mention the 'expiry' date.

    She was signed up by an AIA agent, before we met, and fed false info which in my farang book says is the responsibility of the mother company; even in scam central.

    Not the end of the world, won't start eating the little ones just yet, but when I discovered the policy about 4 years in I had her call AIA, not the agent, and they confirmed she could cancel it for a pittance (understandable) or continue paying until it matures in another 11 years. 10 years later I had her call to find out when and how much she gets and the reply was xxxk baht when she's dead.

    But you are right, AIA do indeed have a fine reputable in the west where they're not allowed to sucker their clients.

  18. #18
    Thailand Expat
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    ^It depends on what kind of insurance the wife had signed in, with what conditions, what's covered. Obviously not a big policy.

    I would not agree with your last sentence. I know so many who enjoy the AIA services (not in the West), not really poor people, and not stupid enough to lose their money, in contrary.

    Perhaps you might know about few companies in West that were allowed to sucker their clients? Remembering e.g. one, ENRON, with their CEO Kenny Boy, a close friend to one powerful family. Unfortunately, passed away "surprisingly" the day before court hearing. What however did not help the concerned clients to get their hard saved up money.

  19. #19
    Thailand Expat jabir's Avatar
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    Quote Originally Posted by Klondyke View Post
    ^It depends on what kind of insurance the wife had signed in, with what conditions, what's covered. Obviously not a big policy.

    I would not agree with your last sentence. I know so many who enjoy the AIA services (not in the West), not really poor people, and not stupid enough to lose their money, in contrary.

    Perhaps you might know about few companies in West that were allowed to sucker their clients? Remembering e.g. one, ENRON, with their CEO Kenny Boy, a close friend to one powerful family. Unfortunately, passed away "surprisingly" the day before court hearing. What however did not help the concerned clients to get their hard saved up money.
    Not sure what ENRON or for that matter its entire para has to do with anything remotely connected, might as well give Madoff a mention. But I have related the facts and if these displease you take it up with AIA.

    And ftr having weighed the pros and cons I have decided not to off her.

  20. #20
    Thailand Expat
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    Quote Originally Posted by jabir View Post
    Not sure what ENRON ...
    Sorry, it was a reaction on your remark:
    in the west where they're not allowed to sucker their clients.

  21. #21
    Thailand Expat jabir's Avatar
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    no ploplem

  22. #22
    Thailand Expat
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    mai mee panhaa

  23. #23
    Thailand Expat
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    Few more remarks to the AIA Life/Health Insurance as I am seeing it from the first hand (my wife's acting):

    It seems that it is quite different than we have known it from the old world. It's not only the selling the insurance but the after-the-sale service. The one who sells the insurance (or the one who follows the service) is always on hand for any payment (e.g. in the hospital) the insurance is to cover (that's how I met my future wife).

    There are daily phones and meetings for explaining various problems, cashing premiums, changing/renewing policies, assisting with hospital admission, health checks (for new or extended covering), also attending funerals of the family member - not only of the one insured. I have been accompanying on number of such funerals, some of them quite huge:
    Health insurance Thailand-11060427-jpg


    And of weddings as well, some of them quite huge...

    Health insurance Thailand-1112040038a-jpg
    Attached Thumbnails Attached Thumbnails Health insurance Thailand-11060427-jpg   Health insurance Thailand-1112040038a-jpg  

  24. #24
    Thailand Expat misskit's Avatar
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    Came across this when investigating health insurance for my eventual return to Chaing Mai.

    https://www.viriyah.co.th/en/longsta...p#.W8Mg1IopChA

    I’ve had health insurance with this company in the past through Siam Comercial’s group plan. Seems the payouts were about twice the amount shown for this policy and premiums 25% less for my age group at the time on the SC policy.

    Does anyone know if group insurance plans increase this much with age or if they flat out have an age limit?

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