Health Insurance - preexisting condition.

Have had a minor issue for around 10 years, on my upper left torso. Thought to possibly be a small stone in my left ureter (too small to show up on x-rays/ultrasounds etc), or it got kinked (one Thai doctor’s thoughts), or possibly something else such as a pinched nerve, etc.


Typically go for a full medical checkup every 3 – 5 years, with extra mention to check that area for possible causes of the dull pain that comes and goes to varying degree. Have probably done 3 full checkups –xrays/ultrasounds, all fluids checked etc etc and none have ever found a cause.


As the years go by it’s definitely getting worse in terms of level of discomfort, and frequency and duration of such, but isn’t overbearing yet. If the docs were able to find the cause I’d get it sorted, but it isn’t showing its head yet.


Maybe time to get some health insurance with a view to them ponying up whatever the cost is to fix it when it does get too much in xxx years time. Previously covered with Bupa, but not anymore. I’ve never bought any health insurance myself, only car and motorbike insurance.


This seems quite good for seeing different packages.


Health Insurance Thailand | Compare Health Insurance For Free!


But it’s all gobbledygook to me.


Of course it will all have been money down the khazi that could have been money saved is they say ‘Preexisting condition, no coverage!’


So I’d like one that doesn’t have that clause. If possible. Is there a way to check for such things, where maybe they add to the premium, but an issue that requires surgery that has existed in the patient for 10 years before buying their coverage will be covered?


I’d also like to be covered for cancer treatment.

Selecting Outpatient as well as Inpatient multiplies the premium by around 3. Which is a bit odd. I'm not too concerned about the premium, but about it being completely wasted if they say no on a technicality.

I'd be planning on possibly using it for surgery somewhere down the line, if the ailment gets a lot worse that they can actually diagnose what it is, where you're plonked in the hospital for a day or 3 while they get to work with the Thanksgiving carving knives.

Though it seems that surgery where you don't stay the night there is classed as outpatient? :33:

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Originally Posted by Edmond

Have probably done 3 full checkups –xrays/ultrasounds, all fluids checked etc etc and none have ever found a cause.

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If there is no medical record then it is not a pre-existing condition. IMHO

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Originally Posted by Edmond

Selecting Outpatient as well as Inpatient multiplies the premium by around 3. Which is a bit odd.

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I needed a scan, which could have been done as an outpatient. I have only inpatient insurance. So they admitted me, did the scan and the insurers paid. A bit of paperwork, otherwise straightforward.

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Originally Posted by Shutree

If there is no medical record then it is not a pre-existing condition. IMHO

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Interesting, cheers.

I presumed preexisting conditions would mean that you've had the condition from before you started their insurance policy, whether it's on your medical record or not.

Does Thailand have national medical records, can an insurer go into a national database and see the 3 or 4 full checkups I've had at different hospitals in different cities and see the files?


Anyone?


Fokin' 'ell, I know less about health insurance than football, bitcoin and cooking combined. :/

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Originally Posted by Shutree

I needed a scan, which could have been done as an outpatient. I have only inpatient insurance. So they admitted me, did the scan and the insurers paid. A bit of paperwork, otherwise straightforward.

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Cool, cheers. I'd rather throw 5 or 10k a month away rather than 15 or 30 if they say no after a few years of paying.


I also don't like deductibles.

In the words of Khabib, Thiz iz Number Wan Bullsheet. :)

I use Muang Thai Life, and they ahve been very good, and of couirse years on never using it and then this year paid dividends.

had an urgent operation for a potentially life threatening condition (one of the doctors told my wife it was stage 4 cancer for sure; thankfully not the case).
used Ram hospital and ran up a 700K bill, which was settled without qualm. even telling the hospital to stop being silly when they tried to tag on soeme xtra charges (admin not nedical incompetence which is the main pain point).

as part of the proceduce i needed some "wiring" between the kidneys and the exit. found i actually was born with only 1 kidney (i knew but was a shock to everyone else).
This could hve complciated things but didnt take as pre-exisiting or anything.
im pretty sure im not answering your question but one of the follow ups (to remove some plumbing theyed left in) was covered much as shutree mentioned, so pretty sure OPD is sufficent.

Cheers Re.

Glad to hear it all went well.

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Originally Posted by reinvented

so pretty sure OPD is sufficent.

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Do you mean Inpatient?

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Originally Posted by Shutree

If there is no medical record then it is not a pre-existing condition. IMHO

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Yes, I would have thought so too, Shutree. Unless you specifically want to tell an insurer about something so they can underwrite it.

This is a big problem with medical insurance... once you've had treatment for something it will be classed as a pre-existing condition, with underwriting making it difficult to change insurance companies.

Bupa are getting very expensive as I age, yet as I've had treatment for hypertension in the past and taken mild blood pressure pills, any new insurer would underwrite anything associated with hypertension. So, the treatment for any future stroke, heart attack, etc etc would probably not be covered. They could probably assign all manner of other illnesses to high BP as well, if it meant they could wriggle out of a claim. I am kind of stuck with the costs of Bupa.

Incidentally, my new gym regime and slight weight loss have had a noticeable affect on my blood pressure which is now down to acceptable levels, and I hope to soon get off the meds completely. But, it'll still be a pre-existing condition.

I dont think hospitals in thailand share data relating to patients, but insurance companies probably do.

if you made a previous claim for your regular check ups and results with any health insurance company, then anything found may very well be considered as a pre existing condition.

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Originally Posted by Edmond

Typically go for a full medical checkup every 3 – 5 years, with extra mention to check that area for possible causes of the dull pain that comes and goes to varying degree. Have probably done 3 full checkups –xrays/ultrasounds, all fluids checked etc etc and none have ever found a cause.

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How can it be a pre existing condition if doctors didn't find anything? 3 times of finding nothing, can it be more NOT pre existing?

^xx
yes inpatient, sorry for teh confusion

^ Cool, thanks very much. :-)


In fact, thank you very much to everyone but Molle The Mong. :)

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Originally Posted by Molle

How can it be a pre existing condition if doctors didn't find anything? 3 times of finding nothing, can it be more NOT pre existing?

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Well, such an underlying condition preexists any insurance policy. :)

Which I then want to use to pay for its treatment.

I do have a mate, actually an old flat mate from university who i bumped into at samitvej srinakarin while my so was getting his MCL looked at.

This lad had a major back surgery the doctors butchered, and he was struggling to get insurance becaue of iit. but i think the severity of the situation may ahve been a major factor. i will ahve to check in with him and see if he found somewhere

Other than me is there any body that uses the Thai NHS. Served me okay for the last 19 years.

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Originally Posted by Edmond

^ Cool, thanks very much. :-)


In fact, thank you very much to everyone but Molle The Mong. :)



Well, such an underlying condition preexists any insurance policy. :)

Which I then want to use to pay for its treatment.

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When are you getting that debilitating 3rd nipple removed

He's convinced himself he's an Adonis for near enough forty years.

Getting an insurance company to buy in should be a breeze.

It'll only be for 20 years after all, when he wants to be dead, apparently. :D

^hoo-wat?? He doesn't want to reach the ripe, sage age of Mr. Norton? :D

Re: insurance, AO's wife is in the insurance business, I think? Maybe he can point Lulu in the right direction/ recommend an agent.

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Originally Posted by Pragmatic

Other than me is there any body that uses the Thai NHS. Served me okay for the last 19 years.

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I used it once after a motorbike highsider which fractured me wrists around 2007-ish. When I stopped working here I didn't continue in the SSO scheme, which I really should have. I can't remember the reason. Perhaps they said I needed a pink ID card and I didn't have one at the time, or was planning to join the workforce again. Whatever the reason I didn't stay in it, unfortunately.

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Originally Posted by reinvented

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as part of the proceduce i needed some "wiring" between the kidneys and the exit. found i actually was born with only 1 kidney (i knew but was a shock to everyone else)..

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Are you sure someone didn't do a bit of organ harvesting when you were blind drunk? :)

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Originally Posted by katie23

He doesn't want to reach the ripe, sage age of Mr. Norton?

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Me either...:)

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Originally Posted by Edmond

Selecting Outpatient as well as Inpatient multiplies the premium by around 3

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I pay for my own Cigna plan (Silver) and I have Inpatient and Outpatient. each cost almost the same, so double not triple.

Costs me 400USD a month and covers me worldwide excluding USA.

I can give you the advisor's email if you'd like to get a quote.

^ a hundred large for yer passy and cigna card for 2-3 weeks.

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Originally Posted by dirk diggler

I can give you the advisor's email if you'd like to get a quote.

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Cheers. I'll probably get policied up in the new year. No deductible BS.

Have the doctors mentioned the possibility of 'referred pain' ? It could be somewhere nearby(ish) but the pain is not localised there.

It’s probably just gas and will only get worse with age. :)

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Originally Posted by misskit

It’s probably just gas and will only get worse with age. :)

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Silver in the hair, Gold in the teeth, Crystals in the kidneys, Sugar in the blood, Lead in the foot, Iron in the arteries, and an inexhaustible supply of Natural gas. I'm rich!!

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Originally Posted by Edmond

^ a hundred large for yer passy and cigna card for 2-3 weeks.




Cheers. I'll probably get policied up in the new year. No deductible BS.

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Yeah, no deductibles on my policy, Monthly premium only.

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Originally Posted by Norton

Silver in the hair, Gold in the teeth, Crystals in the kidneys, Sugar in the blood, Lead in the foot, Iron in the arteries, and an inexhaustible supply of Natural gas. I'm rich!!

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When does the lead in the pencil shift to the foot?

It's all very well having lead in your pencil but you still need some one to write to:)

In your case the lead is kamagra induced, so better to rub one out.

The result is probably the same in your case also cybil. Kindly fuck off cybil. I will not allow you to walk through my mind with your dirty feet.

Mahatma gandhi:)

AI will soon allow private and government institutions to talk to each other back home. Then we are all screwed.

Can anyone recommend what health insurance you use for your Thai Mrs and kids?

I'm having a nightmare looking online because as soon as I write in English there is only expat insurance on offer.

The Thai sites will translate but fooked as soon as I have to 'download the brochure'.

Wife and 2 kids, Thai, Thailand cover only. Inpatient only is fine.

AIA and BUPA are the two big ones in Thailand from my understanding.

I've found reasonable packages for the kids with AIA, referred by a mate's Mrs.

6-10 y/o bracket.

Will keep looking for the Mrs.

Bupa is overkill IMO, and we do have a policy on the mortgage where it gets paid off if she dies...

My Mrs etc have Thai Life. Not too expensive as a rider with a cheap life insurance policy

The policy has premium increases every five years. Some annual based policies went up nearly 10% last year due to increases In hospital charges

Ok cheers, I'll have a look when I'm back on shift.

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Originally Posted by Edmond

Cool, cheers. I'd rather throw 5 or 10k a month away rather than 15 or 30 if they say no after a few years of paying.


I also don't like deductibles.

In the words of Khabib, Thiz iz Number Wan Bullsheet. :)

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I think it depends on how old you are Edmond. There are a lot of variables though. Do you have a regular income? Are you at an age where yer parts might be wearing out despite copious quantities of dandelion tea. Can you afford the monthly payment? Do you have dependants that would be afflicted if you conked out? If you are between 40 and say 55 years old I would say fuck health insurance ? If you can pay out of pocket after 55 still living in asia I would think health insurance essential.

But to answer dirks question. Bupa.