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Home » Reader question » Reader question: Is my wife's hospitalization insurance enough for me?
Dear readers,
I have a question about health insurance. My Thai wife is a state employee and has health insurance for a state hospital for her family and counts for me as well. But when I retire, will this hospitalization insurance be enough for me to be insured?
Regards,
Mark (BE)
As long as your wife continues to work, this insurance also applies to you, even to her parent(s)
And when she retires, the entire insurance will stop
Yes, but you can renew the insurance at your own expense. Costs about double because the employer's contribution lapses. But still very cheap.
Partly true and partly false. If she is a state official, that insurance will continue after she retires. Stops at her death. If she is a clerk and works for the state then it does indeed stop at her retirement. Best regards
Please note whether it is a state hospital or whether a “private” hospital is also reimbursed.
And what is reimbursed and up to what amount.
As long as your wife is still EMPLOYED by the government, you as a husband can make full use of medical care in any state hospital in Thailand.
But you must first register in those hospitals.
Some hospitals require that your wife must be present at registration to declare that you have also been reported to the government.
Your name must therefore also be on the list that she has in her possession.
Please note. You should not compare a state hospital with a private hospital.
In a private hospital you are the customer and the customer is king. So you get VIP treatment with a hefty bill. If you are properly insured, the health insurance will pay for it anyway.
In a state hospital, comfort and privacy are very hard to find, while you are usually treated by the same specialist who also works in a private hospital in the area.
But, what do you want. As long as you can work with your wife, it doesn't have to cost you a penny.
I never have any problem with state hospital because my wife works there and if. Can't treat them there, the doctor writes a letter that they have cancer, for example
Then they send me to surattani where they can give me chemo
But my question was when I retire if that insurance is enough
My wife also works for the government, but we always only receive part of the total bill, never the entire bill.
And depending on which state hospital, it will be calculated immediately and you will see the difference on the receipt.
At other times, my wife has to send the bill to the head office in the district where she works and will receive a partial refund at the earliest with the next salary payment.
PS. I am not yet retired myself.