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Home » Reader question » Reader question: How are Thai citizens insured for medical assistance?
Dear readers,
If Thai citizens have an accident or have to undergo other necessary medical treatment, what exactly will be reimbursed? Think of treatment, medicines, etc. because most of them are not insured.
They don't have a healthcare system, do they?
Greetings from,
Geertje
all Thais have a limited right to nursing in the clinic specific to their village, they used to have a 30 baht card for this, but it is now integrated into their ID card on the chip, just like with us Belgians now that the SIS card is stored on the chip of our ID card. The right to nursing is also valid for dental care, but in case of serious injuries such as coma, the bill will first be offered for the expensive specialized care and then the care will only be provided after payment… These limited care are not valid outside their village and in private clinics…
Well, the Netherlands and Belgium are among the top in the world in terms of health insurance and facilities. Comparison based on that would be inaccurate.
We work with general practitioners, in Thailand you do not go to the general practitioner, but to the hospital or health center to see the doctor.
There are actually 3 systems in Thailand, which in principle (on paper) provide 99% of the Thai with medical care.
– The government insurance for civil servants; e.g. military personnel, government personnel, and their families.
– The employer insurance for employees.
– The 'Universal Coverage' program for all others, with the 30 THB system.
(generally paying 30 Baht per hospital visit).
Medical care is provided by government hospitals and medical centers, there are about 1.000 of them.
You can also take out extra private insurance, for assistance in private hospitals, which are separate from government hospitals.
Of course there are people who fall by the wayside for all kinds of reasons, and can't even afford the 30 Baht, let alone medicines.
This is the info of a UN official in BKK, how it works in practice, although much is prohibited in Thailand, but even more is possible.
Look forward to other responses!
Some are insured through their employer, others as Geert indicates above, but only in their native village. The problem is that most, almost everyone, who work in the tourist places or in Bangkok, are still registered in hometown, and are therefore uninsured here. In that case, and also in case of high costs in hometown, a financial appeal is made to children, relatives, nephews, nieces, friends and acquaintances. If there is no money, they simply do not go to the doctor or hospital, with all the consequences…
No money (being able to borrow from the mutual / family structure “carry each other's burdens”), and not from the 30 thb system or everything more than very simple interventions: just: die!
What nonsense! If you cannot be helped in a small rural hospital, you will be referred to a larger, possibly academic, hospital. There are sometimes additional costs involved, which you do not have to pay in advance (as in private hospitals) but can be paid afterwards, also in installments. And 99 percent of Thais are insured in some way.
Thailand currently has three health insurance plans:
– Civil Service Medical Benefits Scheme, which covers the medical expenses of 5 million civil servants, wives, parents and first three children;
– Social Security Fund for 10 million private sector employees registered with the Social Security Office. Employers/employees (67 pc) and government (33 pc) contribute to the fund.
– Gold card scheme for 48 million people. Accidents are not covered. Operator: National Health Security Office.
Several million inhabitants. from Thailand are excluded, because Thai nationality is required for the indicated schemes. Most Shans and members of the so-called hill tribes, as well as Burmese and Cambodian workers, have to rely on the network of family and colleagues.
What I hear from my girlfriend is that the daughter (primary school) is insured through the school when something happens at school, and you have to take care of the rest yourself.
The best health insurance in the Netherlands and Belgium? I don't know how the man comes up with this logic, because first of all we start with the price versus service. Just worthless. You pay a lot per month, including waiting lists. Then take this out of the package so that you can pay for it yourself; own contributions and mind you... all this beauty was € 203,75 per month for me alone. My wife conveniently didn't take it with me. Don't forget that GP who always has to be there instead of going straight to the hospital. Not to mention accessibility in the evenings, weekends and public holidays. Best health insurance? I think you are really out of date. Just took out my new Thai health insurance due to emigration. Converted to € 630.00 for the whole year!!! Access to virtually all hospitals (24 hours a day; no waiting lists; in my case all treatments reimbursed including hospitalization, etc.)
Well, I like to compare Thailand in this case with the Netherlands where nothing is possible without opening up your purse. What a small country can be great at. But yes, they have to get the money from somewhere for Greece, among others.
Indeed Shake. That is an affordable and better option. Because I plan to live in Thailand in the (hopefully near) future, I would like to know from you whether the 630 euros also include dental care. If not, is there a separate insurance for that? And do you happen to know about lenses/glasses?
In Belgium, compulsory health insurance costs less than 150 € per year. That covers you up to Thailand. It is not clear to me how it is in the Netherlands.
However, health insurance does fall under the social security system. You also pay this, for example, in the event of illness, and up to 80% for necessary medication. If you also know that 1 week of traditional hospital stay costs an average of € 2.000 for social security, you will get a lot of your money back.
You probably were not ill before your emigration, but suppose you become chronically ill, then it is better in terms of food and service to be in Belgium or the Netherlands than in the rest of the world.
630 € per year for private health insurance in Thailand, hopefully nothing will happen to you. And you will be very healthy, if you have pre-existing conditions and actually indicate them, you will quickly pay a multiple of that amount to be insured anyway. A 55-year-old expat, for example, a former UN official, with adult-onset diabetes and high blood pressure, easily pays € 450 per month in Thailand for a fair, tailor-made health insurance policy.
Health.
I have been living in Thailand for more than five years now and would like to know where you can take out insurance for such an amount (630 Euro). I have not been able to do that yet. I also read something about THB 600 for an inspection and THB 2200 premium per year. This seems very strange to me. My wife works as a manager in a resort and pays THB 700 premium per month and her employer also pays THB 700, so a premium of THB 1400. Her brother was a rice farmer and paid THB 450 per month (my wife) for voluntary health insurance. And was thus insured for hospitalization, among other things. So it surprises me somewhat that a Farang can take out insurance for less than THB 200 per month.
Hi Jack,
Would like to know where I can get health insurance in Thailand for that amount?
Groet
He
Hi, you can go and hear from the agents of Bupa Thailand or LMG Pacific, for example.
A standard inpatient insurance as mentioned earlier in a response can be cheap, € 630 per year would be a real minimum.
Check out LMG Pacific Premier. To give you an idea, some price examples (info VCP 2011, see below) per age category: 51-55: 17,370 THB. 56-60: THB 19,600. 61-65: 24,855 THB. 66-70: THB32,995. 71-75: 49,615 THB. 76-80: THB 74,420.
April Asia Expats Basic Option 31-65 years is available for over 1,500 USD per year.
Please note that pre-existing conditions are not covered, there are limit amounts, and it concerns INPATENT so only in case of actual hospitalization.
Google 'Flemish club in Pattaya, health insurance table' from here come the examples and you suddenly have an idea of what is covered, what is not, and for how much.
This is highly recommended, prepared with the cooperation of Bangkok Pattaya Hospital.
Success.
In principle, all Thais are insured for medical expenses or hospital admissions. In fact, nowadays foreigners can also take out insurance under the same system - under certain conditions. Several blogs are full of this. Costs: 600 baht for an inspection and 2.200 baht premium per year. In principle, you are insured for everything. Of course, the insurance only applies to national hospitals and not to private clinics. Some treatments and medicines are excepted, just like in the Netherlands.
dear Bacchus
I don't know where you get that wisdom from but it is NOT true. Thai people who do not pay income tax are dependent on the 30 Baht system. For that 30 Baht per visit you ONLY get the doctor and medicines. ALL other actions (x-ray, operations, hospitalization) must be paid out of your own pocket. People who have a small business are NOT insured and fall under the same regime. The same applies to the elderly. People in paid employment at a company can choose whether or not to pay monthly premiums. Many Thai take the risk and do not pay. So also fall under the 30 Baht regime if they get sick. Officials (like me) don't have that choice. The premium is deducted from the salary every month and I don't pay anything extra whatever needs to be done in the hospital.