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  1. #26
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    jamescollister's Avatar
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    Quote Originally Posted by Necron99 View Post
    Quote Originally Posted by jamescollister View Post
    N99 Bupa covers transport in Thailand, the outfit you post covers to the nearest appropriate hospital, not return home.

    Medical evacuation
    Transfer to the nearest centre of medical excellence if the treatment the beneficiary needs is not available locally.

    Remember this is emergency treatment insurance not on going cover everything, they take you to the merest place.

    Not seen any policy that covers medical transport home, for that you need accident insurance, not medical insurance. You would have to wait for the accident insurance pay out, then pay your own way home.

    Been lots of sad tales where people thought they were covered, but not.


    "International Medical Evacuation provides coverage for reasonable transportation costs to the nearest centre of medical excellence in the event that the treatment is not available locally in an emergency. This option also includes repatriation coverage, allowing the beneficiary to return to their country of habitual residence or country of nationality to be treated in a familiar location."
    Repat is not air ambulance, but repatriation on commercial airlines, don't think this guy can travel in economy class.

    Idea is you get fixed as good as you can locally and then fly home, big difference.

  2. #27
    cnx37
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    I had to return to Oz. I had no insurance. However, the Airline demanded that I have a chaperone=extra cost.
    Would I do it again? As I have lived here for 12 years, I would choose hospitalisation in a quality hospital in LOS.

  3. #28
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    Quote Originally Posted by jamescollister View Post
    Quote Originally Posted by Necron99 View Post
    Quote Originally Posted by jamescollister View Post
    N99 Bupa covers transport in Thailand, the outfit you post covers to the nearest appropriate hospital, not return home.

    Medical evacuation
    Transfer to the nearest centre of medical excellence if the treatment the beneficiary needs is not available locally.

    Remember this is emergency treatment insurance not on going cover everything, they take you to the merest place.

    Not seen any policy that covers medical transport home, for that you need accident insurance, not medical insurance. You would have to wait for the accident insurance pay out, then pay your own way home.

    Been lots of sad tales where people thought they were covered, but not.


    "International Medical Evacuation provides coverage for reasonable transportation costs to the nearest centre of medical excellence in the event that the treatment is not available locally in an emergency. This option also includes repatriation coverage, allowing the beneficiary to return to their country of habitual residence or country of nationality to be treated in a familiar location."
    Repat is not air ambulance, but repatriation on commercial airlines, don't think this guy can travel in economy class.

    Idea is you get fixed as good as you can locally and then fly home, big difference.


    Dont be so pedantic Jim. It's there.
    Plenty of companies who specialize in travel or expat markets offer it.


    But, as David44 has messaged me, for many it's a moot point. As people approach their 70's or for people with pre existing conditions you quickly become uninsurable in a purely commercial system unless you are well off and can afford massive premiums.

    If planning a life in asia your best bet is to start early and self insure.

  4. #29
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    The point still seemingly lost on some is not whether repatriation or medevac/air ambulance can be obtained for residents - anything can be indemnified - but at what cost.

    Any decent insurer can provide this including coverage of costs at a good hospital for potentially life saving treatment but the premium will be high. For those with pre-existing complaints and over 60 that premium will reflect risk and kick in at 4-5,000GBP. Insurable risk eventually rises to a level where no one will take it, irrespective of premium.

    Best thing to do is to take out a local accident/minimal health care policy and find an insurer that will simply quote you a policy for repatriation in respect of accidental events but excluding those arising out of medical conditions.

  5. #30
    Lord of Swine
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    Quote Originally Posted by Seekingasylum View Post
    The point still seemingly lost on some is not whether repatriation or medevac/air ambulance can be obtained for residents - anything can be indemnified - but at what cost.

    Any decent insurer can provide this including coverage of costs at a good hospital for potentially life saving treatment but the premium will be high. For those with pre-existing complaints and over 60 that premium will reflect risk and kick in at 4-5,000GBP. Insurable risk eventually rises to a level where no one will take it, irrespective of premium.

    Best thing to do is to take out a local accident/minimal health care policy and find an insurer that will simply quote you a policy for repatriation in respect of accidental events but excluding those arising out of medical conditions.

    You're an idiot.
    Repatriation flights (assuming you still qualify for home medical services) are likely to cost more than local quality care.
    Rather than insuring for that extreme outcome you are better off self insuring for a total local solution.
    Quaddie on a respirator has fuck all chance of any desirable outcome in any event. I'd be asking them to turn the fucker off.

  6. #31
    I am in Jail

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    Can I get my sausages insured, just incase I have to leave them outside an establishment and they go bad in the heat ?

  7. #32
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by Necron99 View Post

    If planning a life in asia your best bet is to start early and self insure.
    This is the Solution but hard to plan for 10 years down the track, Who knows whats going to Happen.

    I'm using A yearly Travel Insurance at the moment, just renew it when I go back to Perth, only $440.

    Plus I keep two credit cards loaded with 40K and cash available just in case the worst happens.

    Gota have a heap of cash on board ready for the serious shit, only this will save you out here.

    No money available and you die.

  8. #33
    Thailand Expat terry57's Avatar
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    BLD had to cough 90K cash for his retina operation before they would operate.

    No money and he was out the door.

    If one was a local you would just go blind.

    Asia is no place to be living on a budget.

    30K a month Tefler ???

    Fuk that.

  9. #34
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    Quote Originally Posted by terry57 View Post
    BLD had to cough 90K cash for his retina operation before they would operate.

    No money and he was out the door.

    If one was a local you would just go blind.

    Asia is no place to be living on a budget.

    30K a month Tefler ???

    Fuk that.
    Terry, locals have free medical, eye op would have been done.
    Free dental to, but if you have the readies, people go private.

    You should get your cover in country, BUPA, AIA etc better coverage, more bang for your buck. They issue a card, give it to the hospital and your off.

  10. #35
    Thailand Expat harrybarracuda's Avatar
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    Quote Originally Posted by Lostandfound View Post
    Quote Originally Posted by harrybarracuda View Post
    Quote Originally Posted by cyrille View Post
    Quote Originally Posted by Lostandfound
    He will be held hostage until the relatives cough
    So you believe hospitals in countries like Thailand should provide medical care for free in situations like this?

    That they should find the money when countries like the UK refuse to do so?

    Amazing how people whine on endlessly on this forum about foreigners bleeding their home country dry, and yet...
    Hold on a minute. If a Thai was found in similar circumstances in the UK they would keep treating them.

    What's wrong with a bit of quid pro quo (excuse the pun)?
    To believe that a thai hospital would display any altruism towards a foreigner is laughable.
    They continue to treat him even if he is running up bills is my point. Not like the US where they pay for taxis to dump patients somewhere.

  11. #36
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    Quote Originally Posted by GoldieNonce
    Beggers belief in this day and age not having insurance for a holiday or time overseas.
    It sure does ,, not having insurance for living overseas ,, however many do because things like this only happen to " others "
    Quote Originally Posted by jamescollister
    People drink on holidays, but most insurance does not cover you with a blood alcohol reading.

    Goodness me James ,, your not suggesting Plod would say " Do as I say , not do as I do " tut tut whatever next a policeman driving his Police car using his non hands free phone ? surely not
    I'm proud of my 38" waist , also proud I have never done drugs

  12. #37
    Thailand Expat Fondles's Avatar
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    Quote Originally Posted by terry57 View Post
    BLD had to cough 90K cash for his retina operation before they would operate.

    No money and he was out the door.

    If one was a local you would just go blind.

    Asia is no place to be living on a budget.

    30K a month Tefler ???

    Fuk that.
    A 30k a month Tefler would have access to free government hospitals.

  13. #38
    Thailand Expat Boon Mee's Avatar
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    Dirty Dog got free medical care in a Thai hospital up until the day he passed...

  14. #39
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    aging one's Avatar
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    hey booners, good to see and hear from you

  15. #40
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    Quote Originally Posted by Necron99 View Post
    Quote Originally Posted by Seekingasylum View Post
    The point still seemingly lost on some is not whether repatriation or medevac/air ambulance can be obtained for residents - anything can be indemnified - but at what cost.

    Any decent insurer can provide this including coverage of costs at a good hospital for potentially life saving treatment but the premium will be high. For those with pre-existing complaints and over 60 that premium will reflect risk and kick in at 4-5,000GBP. Insurable risk eventually rises to a level where no one will take it, irrespective of premium.

    Best thing to do is to take out a local accident/minimal health care policy and find an insurer that will simply quote you a policy for repatriation in respect of accidental events but excluding those arising out of medical conditions.

    You're an idiot.
    Repatriation flights (assuming you still qualify for home medical services) are likely to cost more than local quality care.
    Rather than insuring for that extreme outcome you are better off self insuring for a total local solution.
    Quaddie on a respirator has fuck all chance of any desirable outcome in any event. I'd be asking them to turn the fucker off.
    I rather think you have misunderstood the post. Scarcely surprising, really.

  16. #41
    Member runner's Avatar
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    Why does he need evacuation? He is resident in Thailand, isn't paying into NHS coffers, and was probably pleased to escape from UK taxes until this happened.

  17. #42
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by jamescollister View Post

    You should get your cover in country, BUPA, AIA etc better coverage, more bang for your buck. They issue a card, give it to the hospital and your off.

    I have full medical coverage in Australia so if the worst happens I need to just get back there for treatment, if I cant I'll pay to be done here.

    Regards my Australian Medibank Insurance covering any Thai related treatment I do not think they will but will check next time back home.

    This is why I retain Travel Insurance so they will get me home or at least pay for treatment here in Thailand.

    Trying hard to cover my bases on this issue, do not want to be caught out.

  18. #43
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by jamescollister View Post

    Terry, locals have free medical, eye op would have been done.

    I would say that by the time a local received his operation he would of been blind especially if living outside Bangkok.

    With BLD's Retina detachment they could not even diagnose it outside Bangkok let alone repair the fuker.

  19. #44
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by Fondles View Post

    A 30k a month Tefler would have access to free government hospitals.
    I feel you are missing the point here.

    A free Government hospital system rammed full with poor Thai people needing treatment does not necessary mean one will not die before recieving treatment.

    We are not talking An Australian public hospital system that will hopefully not let you die before being seen to.

    Anyway, I would loath to be reliant on the Thai public hospital system to save my arse.

    Good luck with that one in a life and death emergency.
    Last edited by terry57; 21-12-2014 at 09:14 PM.

  20. #45
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by Boon Mee View Post

    Dirty Dog got free medical care in a Thai hospital up until the day he passed...
    That is very good to hear.

    DD died a slow death from cancer, wonder how things would pan out in a life and death situation needing immediate treatment. ?

  21. #46
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by terry57
    I would loath to be reliant on the Thai public hospital system to save my arse.
    I've no complaints.

  22. #47
    Thailand Expat terry57's Avatar
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    ^

    Also great to hear, tell us your story on how it actually went down at the hospital.

  23. #48
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    Quote Originally Posted by runner
    Why does he need evacuation? He is resident in Thailand, isn't paying into NHS coffers, and was probably pleased to escape from UK taxes until this happened
    I think he and his family would prefer the option of being alive in UK. Just a guess like.

  24. #49
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    A lot of ex pats will be in for a shock if they try to return to the UK for health work to be performed as I believe now however much you have paid in over the years if you,ve been out for over 12 months thats your lot !

  25. #50
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    Not quite.

    It was always the case that an absence of, I believe, more than 4 - 6 months from the UK meant one could no longer automatically qualify for free health care provision. This was seldom enforced and in any event if one were to be challenged then all you had to say was that you now intended to re-commence permanent residence. That is still the case I believe. Maintaining a permanent UK address for NI purposes, and for operating a British bank account, credit cards etc., all helps.

    For punters living abroad in receipt of a state pension allowance there was never an embargo on them returning to Britain for free health care and this still remains the case under the rules.

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