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Home » Reader question » Reader question: What does a 30 baht card really mean?
Reader question: What does a 30 baht card really mean?
Dear readers,
An acquaintance of mine has a 30 baht card and now needs surgery for the sweet sum of 120.000 baht. This person is not helped despite the 30 baht card. Does anyone have clarity on this? What is that card actually for?
Was in state hospital this afternoon and will have to pay, while it is a life-threatening case. Doesn't have the money, so just die?
Regards,
Eduard
Thai or farang knowledge. It is important because the 30 Baht scheme is intended for Thais.
Is the 30 baht insurance money correct and only for Thai people. It is of course very annoying. But as a foreigner you should not stay in Thailand without insurance. And actually everyone knows that too. Thai law needs to be helped. But I don't know if this is still in force. But it is of course normal that a hospital wants to see money if there is no insurance. These are one of the risks of staying in Thailand without insurance again very annoying but it is the hard truth. Good luck and strength.
Thailand John, you are too short with your comment that as a foreigner you should not stay in Thailand without a policy.
You know, or should know, that on 1-1-2006 many people were thrown out of their private health insurance policy in NL when parliament passed the health insurance law. Then look for a policy if you are 'old' and/or have a medical history. And 'going back' is not an option if you have a partner and/or own children here; finally, for '4+8' not everyone has housing available in NL or EU and/or the budget.
Perhaps the forthcoming, just announced, 'tourist policy' will offer some solace as it will cover people without taking into account existing ailments and their medical history.
It's not as black and white as you write here.
Dear Erik, all those people who were thrown out of their private health insurance on 1-1-2006 when parliament passed the health insurance law. As you describe it? Could all switch to health insurance as long as they were still registered. I was insured with CZ and at the time I took out a foreign insurance policy from them. And that was only possible if you were already a client with them. Only those who already lived here could not. But could take out health insurance here. And Erik many were here and still without insurance. Not soon enough. If that new law is adopted here. Then everyone must be able to show valid health insurance. If you can't do that, you will no longer receive a residence visa. ??????????.I hope it turns out for you that the tourist policy will offer some solace. But I doubt it. Because you still have to be able to afford the monthly premium.
It's Thai too
For a Thai, you will indeed only be helped with the 30-baht arrangement in the region where you are registered (tambian job / blue booklet). And as Henry also mentions below, not every treatment is free (read: costs 30 baht). A Thai should be reasonably aware of this, right?
To the best of our knowledge, the question is, is it an acute emergency situation, then intervention should be made without payment.
If the patient has a life-threatening situation, but it is not acutely life-threatening, then the patient must go to the state hospital of the region where he is registered and intervention should be carried out there without payment.
Am surprised that this is not expressed by the state hospital where patient was "this afternoon".
Nico B
I think the operation, treatment is not part of the regular treatment within the state hospital. Perhaps in similar cases there is no surgery but a cheaper treatment, effective or not, is chosen.
Also, don't forget that many Thai people take out private health insurance if they want to be assured of better treatment than is covered by the state health care system. Why do people think there are so many private hospitals in Bangkok and other major cities, just look at the visitors: the majority are middle and upper class Thais who prefer better treatment. An example from my immediate environment: the mother of a friend (all Thai) had to pay for treatment herself after an accident. That is why my daughter took out health insurance so as not to be confronted with unexpectedly large costs again.
Surely there was a 72-hour regulation that every hospital was obliged to admit and treat urgent patients and the question for money came after that? Or have I heard the bell ringing but I don't know where the clapper hangs?
Could it be (assuming that it concerns a Thai) that this state hospital is not in his native province? Hospital assistance only applies if you are registered in the relevant municipality - we also had to pay cash after a motorcycle accident 40 km away in a regional hospital, despite the fact that my wife and child have the card.
That has now changed, with the 30 baht card, Thais can go anywhere in Thailand.
Furthermore, all hospitals, state and private, are required to treat acute life-threatening situations, with or without insurance
About 3 or 4 years ago, foreigners could sign up for the 30-baht scheme, say the Thai health insurance fund. People then paid, if I say correctly, around 2 to 3.000 baht per year for this insurance premium. However, this only lasted 1 year or part of a year. I know that some have received a refund of part of the premium paid. Currently, foreigners can no longer use the 30-baht scheme, although some still think so!
I don't know how Thai hospitals act in case of life-threatening situations. I can imagine that if a person has reported to a state hospital with a 30-baht card, the red lights and alarm bells have been switched on and off, as they probably conclude that the patient is uninsured. It is not surprising that some kind of guarantee is demanded. In this case, if it is really life-threatening, it might be helpful to visit another state hospital and say nothing about the 30-baht scheme.
If that does not work, in my opinion there is little choice but to return home to the mother country, although this will not be easy either.
Success and strength!
Also for the Thai, ds 30 Baht does not mean that everything is free. Certain medicines are not free, and certain surgical procedures must also be paid in full or in part.
The mandatory free admission in life-threatening situations only applies in case of IMMEDIATE danger of death. So, for example, not for someone who needs bridging, for example. Well if he's brought in with a heart attack,
Of course the state hospitals cannot survive on Baht 30.- per year
This 30 Baht card was once set up as a political move, but if you as a Thai come into a state hospital with a situation that is quite expensive, you will soon be told that they cannot handle this, but a private hospital down the road can this sure is!!
Every hospital must treat everyone for 3 days in life-threatening situations.
Thai can go to a 30 Baht hospital (government hospital) in the city where they are registered; can also be referred to another hospital in their district if necessary.
Foreigners can also be treated in government hospitals, usually at low rates.
Several doctors work in both government hospitals and private hospitals.
The private hospitals sometimes want to write their bills with a fork (such as the Bankok Pattaya hospital).
The government hospitals do a lot for little money, but once it stops; then the patient will have to pay extra or go home sick (or die).
Make sure you have good health insurance/travel insurance. If insured in NL, also take out additional health insurance, so that any treatment costs above the Dutch price level are also reimbursed, otherwise you will have to pay extra yourself; and that can be significant in private hospitals.
Most (poor) Thais I know who got cancer just died at home……or died before……No cancer treatment….not even injections of morphine.