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Reader question: Health insurance for my Thai girlfriend?

By Submitted Message
Posted in Reader question
Tags:
December 28 2019

Dear readers,

I would like to take out health insurance for my Thai girlfriend so that she can go to the doctor more easily if necessary. I notice that she is hesitant to see a doctor because of possible costs.

We asked Bangkok Bank about such an insurance, but it has a term of 20 years. I'm looking for an insurance that you can take out per year, just like in NL.

Does anyone have experience with that? What are normal premium amounts? At the Bangkok Bank it starts with 8 years, 80.000 baht per year. And then 12 years 10.000 baht per year. At the end of those 20 years you would receive an amount back.

Regards,

Ferdinand

Number of times read: 293

10 responses to “Reader question: Health insurance for my Thai girlfriend?”

  1. Lung addie says up
    28 December 2019 at 01: 53

    I also took out insurance for my girlfriend. I use 'Thailife' insurance for this. The premium naturally depends on the age and the amount of cover. I pay, she is 50+ and -55y, 40.000THB/y and is renewable annually. Yes, you can find it on the internet.

  2. Andre says up
    28 December 2019 at 02: 45

    My Thai wife worked until a few years ago and is now 51 years old and continues to pay the state health insurance social security so that she is nursed for free at the state hospital costing 7000 baht per year.

  3. Cornelis says up
    28 December 2019 at 06: 40

    Given the level of the premium you mention – and that you will get an amount back after 20 years – the Bangkok Bank offer is a combination of life insurance and health insurance. At Thai Life, as Lung Addie points out, you can also simply take out health insurance.

  4. Petervz says up
    28 December 2019 at 09: 06

    For Thais, Social Security is fine. This is compulsory for all employees, but people without an employer can also take out voluntary insurance. Costs are I think Baht 435 per month.

    See further http://www.sso.go.th

    • john says up
      28 December 2019 at 15: 06

      To Petervz. You say “see further” and then you give the website of the Thai Social security office.
      Perhaps you can provide a link that will allow you to find this information directly. The website itself is just the first step. Then you have to search the website to find the information.

  5. Ferdinand says up
    28 December 2019 at 11: 35

    Thanks everyone for the input, I'll follow your lines and compare the information.

    I also had the idea that the Bangkok Bank was a combination with life insurance, because they talk about 200.000 ThB return after 20 years.

    Groet
    Ferdinand

  6. Bob, yumtien says up
    28 December 2019 at 12: 57

    Simply insure medical expenses with BUPA. Have different packages.

  7. Gino says up
    28 December 2019 at 14: 03

    Dear,
    Your Thai girlfriend is insured in a Thai government hospital for 30 baht and medication has to be paid separately.
    Why would you pay more?
    Greetings and happy new year.
    Gino.

  8. Jacques says up
    28 December 2019 at 15: 01

    Various banks have agreed on a cooperation deal with companies such as Muang Thai life and these are all life insurance policies based on the same as you see with Thai life insurance. You can also use these insurances for medical expenses, but are usually limited in maximum payout. Yet this form is preferred by many Thai people because they build something that they ultimately pay for themselves. You can also take out (life) insurance directly from those companies. The advantage is that you have a fixed point of contact from the start and you do not have that at a bank. The costs hardly differ. You already have reasonable insurance for about 2 to 3 thousand baht per month, although in many cases you have to pay for a year in advance, or sometimes you have the option to do this quarterly. My preference would be for a “real” health insurance, for example with Pacific Cross. For the same amounts you have much higher coverage and they are also more extensive. Here too, you pay the premium annually in advance, but in the meantime and afterwards, certain reimbursements are not made that you find with Life Insurance. So it just depends on what you prefer.

  9. mairo says up
    28 December 2019 at 18: 13

    A bit of a strange question, unless Thai girlfriend wants to make more luxurious and comfortable doctor visits, and ditto prefers hospitalizations. Every Thai simply has access to Thailand's own health insurance system, read: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5104696/ and see also: https://www.social-protection.org/gimi/gess/RessourcePDF.action?ressource.ressourceId=54059
    In addition, Thais have their own separate “health fund” through the government and companies, from which partners and family can also benefit.
    And then there are many other options for Thai to take out (extra) insurance. Guaranteed that she knows about this, it can hardly be otherwise!


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