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Home » Reader question » An Affordable Health Insurance Which Should I Choose?
Dear readers,
About an affordable one health insurance As a 67-year-old, I now have the choice of these two:
- Expat Insurance with a cover of €12.500 – annual premium €450
- Regency for Expats with a cover of 400.000 Thb inpatient cover and 40.000 Thb outpatient cover – annual premium 47.500 Thb = € 1.330
I wonder if there are readers who chose one or the other and if so… what made you choose one over the other?
Regards,
Karel
See which of the two clubs you can kick out if you declare costs. Such reports are circulating about Assudis in the media; I don't know the other one by name. It is also important which club you will insure if you have existing ailments or a medical history, and whether they have a final age, for example 70 or 75 and higher.
47500 bat premium for 40.000 baht coverage. Something isn't right there, I think.
Again the expat is the atm. How far will they go in Thailand to get us out? ?
Read 40k out and 400k in.
Matt, read it again. The 1st insurance is very cheap, by the way, less than 40 euros per month. Which company is that and does it also insure if you are over 70?
Those 2 insurance policies mean nothing to me. 400.000 THB for an international hospital is peanuts. You probably won't be allowed in with that, so to speak.
I can't help you with your personal choice. Some general remarks.
Thai companies are unreliable when it comes to making benefits.
The coverage may seem enough; especially if you visit state hospitals. However, admission, especially admission to a private commercial hospital, can be very expensive, costing tens of thousands of EUR in a serious case.
In the case of serious disorders, it may be that you do not have to visit the hospital every time, but that you do need very expensive medicines for years; in that case, the outpatient cover is important.
Some insurance companies guarantee that they will never “throw” you out of the insurance policy, but with repeated expensive claims they will increase the premium in such a way that you will automatically say goodbye because of the premium that can no longer be paid.
If necessary, please contact AA Insurance Hua Hin or Pattaya (NL management).
Success.
My insurance with AA Insurance (premium per year 4500+ Euro and increases by a few percentage points every year) is very good insurance. Had to use it twice: full reimbursement…………….I cannot change it because I am 75 years old. Of course, as a frugal Dutch person, I looked for alternatives. Are not here! So pay or perish.
Of course you can go cheaply to a state hospital and they are good but limited in their options. And real, world, medicines are at least as expensive in Thailand, but often more expensive, than in the Netherlands.
But if you get really sick and then we all think of cancer, the hospital treatment in Thailand is good, but more limited. But there are other expensive illnesses that need to be insured, so getting the best insurance you can afford is my advice.
400000 is indeed not much but most will be helped anyway. I have been in ram for 10 days for a surgical operation and that cost me 140000 baht so it will work with those 400000
In the Netherlands we pay approximately €95 billion/17,2 million people = €5600 per year on care. We visibly pay ourselves: approximately € 110 * 12 to the health insurer, € 385 deductible, 6,9% withholding from benefits and/or salary and the rest comes from the Large Common Pot, also known as the National Treasury.
And.. 1% of the patients spend 25% of the healthcare budget see https://www.rtlnieuws.nl/gezondheid/artikel/3782326/1-procent-duurste-patienten-verantwoordelijk-voor-kwart-van-de, especially the elderly, see Care for the Elderly 2018 page 16-table 3.1 https://www.rijksoverheid.nl/…/04/…care…/monitor-care-for-elderly-2018.pdf up to €80,000 in the geriatric department.
My operation in Bumrungrad ( spondylo listhesis = fixation of lower two vertebrae on the pelvis) was estimated in 2010 at US $ 18-24.000. In reality, there was still a lot more to do. Conducted in Belgium with the Thai studies, because in the Knowledge Economy NL nothing could be found…
An MRI scan of the knee alone cost 2017THB in Thailand in 10.000
In other words: if Jan already writes: what do you want to do with that € 12.500 (total all per year?) or THB 400.000 (total year in, THB 40.000 one-off or total year out) respectively? And especially if they throw you out after one such claim? Where is the adult king cobra in the grass with an annual premium of € 450 and even € 1330 for someone aged 67? ?
Moderator: Please answer the question
I have had assudis since last year and I am 60 years old and is not age-related and almost no exclusions!!
At the beginning of this year I had an MRI prostate examination at the ramathibodi hospital in BKK that charge double for foreigners, this was 60.000 baht so I left there.
Then went to a Bangkok hospital for a prostate biopsy, which cost 85.000 baht.
Assudis paid for everything.
@ Jan, I think it's a ridiculous comment that you're over your 400.000 for a few nights, BKK hospital isn't a currant bun hospital, is it??
@ Dylan, what have you been through then, don't complain until you explain.
With AA insurance, most policies go up to 70 or 75 with exclusions.
If Thai law passes this motion to require pensioners to have health insurance, many will be back in their home country in no time.
I am curious about answers to the question asked. That question concerns choices actually made from one of the two insurance policies mentioned (or similar). So: what choices has someone made for one of those two insurance policies and what are the experiences? So they are both cheap insurance policies. I don't think you can assume that you will be helped in an expensive private hospital. I am curious whether an insurance policy of around €50 per month, up to €120 per month, could be sufficient for someone who settles for a provincial hospital for the most common old age ailments. I am not talking about very specific expensive treatments. In any case, I don't want expensive treatments for a long-term and debilitating illness. Then let's go to the afterlife to rest from earthly worries. I've had a beautiful life.
Just to avoid misunderstandings since the questioner mentions the amounts of 400,000 baht inpatient and 40,000 baht outpatient: These are the amounts required for the mandatory insurance for the NON OA visa. Almost no one has this visa. No insurance obligation applies to the 'normal retirement visa' with extensions of stay.
The AXA Assudis insurance is a travel insurance and not a health insurance. Renewal of this policy can therefore be refused every year (see also a previous response) and can even be canceled prematurely.
The policies that all companies are now suddenly coming up with that cover the above amounts are all (including Regency) also available from us. However, there are often better alternatives.
Now I also read that AA policies stop at age 70 or 75. There are indeed policies with an end age, but there are also dozens of options that are simply renewable for life.
More information via http://www.aainsure.net (also known as http://www.verzekereninthailand.nl)
Dear Karel,
For me choice 2 would be preferable. Choice 1 is very meager in terms of fees. Then you will usually have to make up a lot depending on which hospital and for which ailment, of course.
Choice 2 gives a possibility for both use as inpatient and outpatient. That's nice, but again the amounts are low.
I made a different choice, at Pacific Cross and only as an inpatient. I pay the preliminary investigation costs for a complaint and a visit to the hospital out of my own pocket. I think the premium for outpatients is on the high side with my insurance.
I pay a premium of more than 51.000 baht on an annual basis.
My coverage as an inpatient is a maximum of 2 million baht for an illness complaint per year. Maximum for an operation is 140.000 baht. Bed and room allowance is then 7000 baht per day and 14.000 intensive care. Maximum reimbursement of hospital expenses per case per year 70.000 baht. Then a maximum payment of 200.000 baht in the event of an accident resulting in death or permanent damage.
I too am dealing with this issue.
Vwb Assudis expat insurance of 450 euros/year. I have previously checked this with them via the chat. For Dutch people who have been deregistered, you should ask yourself whether you want this. This company can decide (in consultation with the doctor in Thailand) to repatriate you to your country of origin in case of high costs.
Then you must ensure that you have health insurance that you can fall back on. In my case NL. Then you must be able to register on arrival, take out health insurance and then go to the hospital. This is therefore a nice addition if you can maintain a zk in your home country.
I don't know the 2nd insurance. You can choose this (also to comply with visa (maybe extension later)) and keep a piggy bank if the 400k is not enough.
I myself went to a company where my wife has insurance (Thai life) for a quote. A combination with life insurance and with Bangkok bank that provides AIA insurance. Not expensive in itself, but an adder may be that the premium is adjusted after you have been ill. I am still young and healthy now.
Both stop at age 80. Perhaps this limit will also be raised with the aging of the Thai population.
Still need to figure out what I want.
I have been insured with Assudis for two years now, twice they have paid without any problems over a period of four months!, first gallbladder removed 350.000 bath and then dengue stung by the tiger mosquito 8 nights hosp. each time in Pat.Bangkok hospital. Then they paid about 240000 baht. Am 79 years old.
Where do those rumors come from? Meanwhile, a few friends also insured!
seat is
In Brussels !
If really serious and if possible I will travel to Belgium, where I can be admitted immediately!
I've also had Assudis for 2 years, never had a problem. Already paid 2x. 1x for fracture of the wrist and 2nd time for gastro and colon examinations 3x, removal of polyps.
Up to 12.500 euros will be paid per case.
Before that I had AIA insurance and paid much more and they only pay percentages depending on the case.
This insurance only applies in Thailand, not in Belgium. If I had to have something serious, I would go back to Belgium and have a hospital there.