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Home » Reader question » Thailand reader question: Hospitalization in Thailand and prepayment?
Dear readers,
I have heard strange stories that in the case of hospitalization you have to pay for the treatment in advance and if that is not possible because of the high costs that you will not be helped. Despite health insurance in the Netherlands. Do you need to take out additional insurance in Thailand?
Kindly comment.
Regards,
Johan
Editors: Do you have a question for the readers of Thailandblog? Use it contact form..
A man with a lot of experience.
At least in the Changmai Ram Hospital.
No problems with unexpected admission for surgery or examination.
When they are discharged, if they have not yet received the money from the ZKV, you can do 3 things, continue to wait, pay, or hand in your passport.
For inspection by appointment, I always email the ANWB alarm center with attach, 3 weeks in advance, whether they want to send the bank guarantee to the relevant hospital.
Also if they want to give me the file number as well.
Usually within 2 days I receive a message back.
Hans van Mourik
Johan, I've never heard of paying in advance.
There are hospitals that demand security; that could be a credit card or a message from an insurance company that payment is being made. A escrow deposit may be in lieu of a guarantee.
Additional to my response.
Make sure you always have your ZKV policy with you.
With address, email, fax, and telephone number.
Your own copy of your passport.
As soon as you are admitted, the hospital goes to work.
But you will be helped, at least I did.
Then they come and say it's OK.
Don't know what it's like when you're unconscious.
Hans van Mourik
Despite health insurance in the Netherlands, you cannot do without travel insurance. When it comes down to it, they take a lot of work off your hands. I have experienced the following myself and not from hearsay.
My wife had surgery in a somewhat smaller local hospital and was transferred to the Bangkok Hospital due to complications. This in consultation with the travel insurance. You should always inform them immediately anyway.
Both hospitals asked for a guarantee for the costs to be incurred. This guarantee was sent to me and the hospital's contact person by the travel insurance on the same day (by e-mail, so I immediately had it on my telephone). My wife was eventually repatriated to the Netherlands with the help of the emergency center. Not once did I have to advance anything. The travel insurance and the contact person at the Bangkok Hospital arranged just about everything. You don't want to know how much that is worth at such a moment when you are full of the stress.
Those are also the moments when you realize how important a good travel insurance policy is. And to be honest, I have sometimes been surprised that people save money on travel insurance because of the cost. I know what it's worth.
Peter Dekkers, that certainly applies to tourists! You cannot do without travel insurance.
But there are emigrants and seconded workers who live in Thailand for a long time. They can take out travel insurance in Thailand, but it does not apply in the country of residence. Then you only have your health insurance policy from … Thailand, NL, elsewhere. The company will then have to provide security.
Hans' tip is valuable; always take your (copy of) insurance card with you, have a (copy of) passport with you or your Thai ID is mandatory and even if you are in front of Pampus, the hospital will approach the insurance company for you.
Your response is perfectly clear. I didn't make it out from the question whether he was a resident of Thailand or not. But I wanted to share an experience I had and emphasize the importance of insurance that covers medical expenses. And not just the financial part , practical help on the spot is also very valuable. I have spoken to too many people who have stayed in Thailand for a long time and were rather laconic about it.
An answer from one of them will stay with me: If there is anything I will fly back soon !!
It goes without saying that you should have things such as a copy of the policy, passport, etc. at hand.
Thank you for your response.
As Erik writes in an earlier response, the hospital receives a guarantee from the insurer, whether that is the insurer of your basic health insurance or the travel insurance does not matter. In many cases, the travel insurer in the Netherlands is also a provider of basic health insurance. The point is that only emergency care is covered by the basic insurance and if you then have another operation, you will first have to obtain permission from the Netherlands from your basic health insurer, which is also the guarantee of payment for the hospital that performs the operation.
By the way, the whole discussion about travel insurance can go to waste because Thailand is a high-risk country as far as Covid is concerned and so there is no travel insurance that has been taken out in the Netherlands, and that situation will continue for another year given the slow vaccinations and increasing infections.
For the record, a small addition to the health care coverage in a travel insurance policy.
The travel insurance does reimburse the costs (which are not reimbursed by the Dutch health insurance) if the trip had started before the country/countries of destination were designated a (very) high-risk area by the Dutch government.
See e.g.: https://www.fbto.nl/reisverzekering/berichten/negatief-reisadvies-vakantieland
Years ago, my mother was suddenly hospitalized in Bangkok.
I was immediately asked for my credit card and a 40.000 Thai Baht deposit was debited.
The next day I immediately got this back after the insurance in the Netherlands had given a guarantee.
Important always take a credit card abroad!
Later, the insurance emergency center even called daily to ask how things were going and whether there were any problems. Top
You will always be helped.
See below
https://www.thailandblog.nl/de-week-van/tino-kuis/
Hans van Mourik
No, Hans, forget about that. You too have known this country long enough and you also read plenty of news, you have probably come across that.
Sometimes people, including farang, have simply been sent away from private hospitals because no policy, no credit card and no guarantee could be given. Then the ambulance (or the pickup…) was simply shown the way to the state hospital. Unfortunately occurs. Healthcare is big business and shareholders want their dividend…
Have you ever seen Michael Moore's movie Sicko? So something like that.
Even in the Netherlands you cannot go to a private clinic without money.
In an emergency, the private hospital in Thailand is obliged to provide you with first aid and life-saving actions, but then you will be immediately sent to a state hospital if you cannot pay.
Been to a Thai hospital several times since 1993. Always be able to answer the question for a credit card positively.
Highest bill € 3700,-
First I asked my health insurer VGZ what to do. By e-mail: advance there, declare here”.
Until the account is declared:
Unreadable (because in Thai/English), then: not specified enough (up to a needle of 50 THB), and finally: ineffective care. Bumrungrad, Dr Verapan, who lectures internationally on new developments in his field. Operated with the Thai scans in VGZ contract zhs AZ Klina – Brasschaat, WITH the Thai MRI scans and further investigation.
Draw your conclusion!
At the week of Tino Kuis, I also posted several reactions.
Under the name, FJA van Mourik
Tino had been to my hospital to give me text and explanation.
For those interested, chemo at a time, 100000 bath.
Colon cancer operation 280000 bath, and then several check-ups, and Ct. scan, colonoscopy.
Was an expensive year for my ZKV.
Hans van Mourik
Five years ago I had an emergency operation at the Haripunchai private hospital in the city of Lamphun, the hospital is located near the Nikhom industrial estate.
Lying there for more than a week after surgery.
Never had any nagging about the bill whether we were insured, my wife told me when we pay cash, but the administrator came around every day in the morning with the state of affairs of the account.
I just had to sign every day.
Do have a credit card and walk around here uninsured all these years.
I also pay from my own resources.
Two years ago already major surgery in Sundok governments hospital and CMU medical faculty in Chiangmai.
Lying in a single room for 15 days and having a major cancer operation performed by two teams started at 07.00:17.00 in the morning and I regained consciousness at XNUMX:XNUMX.
I'm not writing nonsense here, but I asked a few times about the status of the account.
But still got no answer.
It was only on the last day that they came with the bill, which I paid with the help of my stepson at the cashier before departure, of course.
It resulted that after a few recurring examinations for control, I still gave a considerable donation to the hospital.
I am now completely healed, kudos to the doctors and the team.
Also in the Lamphun government hospital where I have had two catarac operations on both eyes never complain about money matters.
But there are also other stories I have heard about private hospitals that refuse you, and these are often the more luxurious hospitals that write with a fork, and ensure that the machines and equipment continue to run whether it is necessary or not.
Jan Beute.
In 2015 I had to have an emergency surgery at Khon Kaen, Sirikrit Hospital, had to be scheduled in on a Saturday, extra cost 65K bath to be paid as a deposit. after the operation settled with the total costs of the diversions (bypass) had to wait 2 weeks before the team was together on Saturday
In terms of costs, these types of operations come close to the Dutch cost picture.
have to pay yourself /