Dear readers,

I live about 30 km. outside Khon Kaen together with my Thai friend.

I would like to take out proper and complete health insurance for him. I assume that something like this also exists here, just like in Holland?

Can someone give me information about this?

Thank you in advance.

Sincerely,

Elon

8 Responses to “Reader Question: Can I Get Health Insurance for My Thai Friend?”

  1. Ko says up

    there are of course many health insurance policies in Thailand (Allianz etc) that have good coverage. The problem is often that they exclude a lot. It is important to be well informed so that you are not faced with unpleasant surprises when it comes down to it. I am simply insured through NL with the OOM, which covers almost everything and there is a choice for an excess. Not cheap, but excellent guidance and care.
    Simply email the invoice and after approval you will receive your money back within 14 days. When hospitalized, they arrange everything and you never see a bill. Excellent experience for 3 years.

  2. dirk says up

    hello Elon,
    You are close to the big city, so you can easily find the insurance offices there. Please be well informed about the coverage. You have inpatient and outpatient. I would only take the inpatient, that is everything that has to do with hospital admission. Outpatient is everything for which you go to a doctor yourself (small things), but given the amounts you pay here with a regular doctor, I would not take out separate insurance for that. Roughly speaking, you can say that for good insurance and everything included it costs about the same as in the Netherlands. Good luck.

  3. Matthew Hua Hin says up

    There are plenty of options for taking out health insurance in Thailand. The amount of the premium mainly depends on the age and the desired cover. You can contact http://www.verzekereninthailand.nl.

  4. rebell says up

    Last week there was an article in TL-Blog about Thai health insurance incl. the www address for further information. Didn't you read that?. rebel

  5. According to says up

    I have taken out health insurance for my Thai friend with Bupa, one of the most used. They have 4 variants, including all inpatient (hospital admission) or in-and outpatient, including all doctor costs. Like most, I only have inpatient, so outside hospital admissions, I pay myself. My partner is 33 years old and I pay 13.000 baht per year. This is age related. Good luck

  6. Elon says up

    Hello people,
    thanks for the responses, I'll get to work. This is an insurance for someone with Thai nationality. I couldn't find the article rebel is talking about, what day was that?

    Just a little extra, my compliments for the Thailand blog, I have already learned a lot from it!
    Elon.

  7. Show says up

    Be careful with only cover for in-patient (hospital admission, operations, etc.). Out-patient can also become very expensive if a long-term malignant disease manifests itself. In such a case, the patient can probably be treated at home (out-patient), whereby regular doctor visits at home and special medication can cost a fortune over time. Example: cancer. So let yourself be well informed and determine how much you can and want to bear financially yourself.

    Thai insurances are notorious: sometimes they don't even pay out.
    Foreign (expat) insurance often guarantees that a customer will not be “thrown out”. However, they can significantly increase the premium after an incident. And after a second incident, one can expect another premium increase. The end of the story is then, that people automatically drop out because the premium can no longer be raised.

  8. MACB says up

    The Thai partner is covered under the Thai so-called Universal Health Coverage (also known as the '30 Baht Scheme') in the province where he is registered. He can have himself transferred to another province, and should certainly do so, because this basic insurance must always be kept on hand. This basic insurance does not cover everything (the package is constantly being adjusted); a (low) contribution is due for matters that are not covered. The care is provided in government hospitals (as a rule; there are a few exceptions, as some private hospitals 'join in') = long waiting times, frequent returns, etc. The larger the hospital, the better equipped & the more specialists . The largest are in Bangkok (Siriraj, Ramathibodi, Chulalongkorn); there are also large 'regional' hospitals.

    The specialists often have a shared practice in local private hospitals that are considerably more expensive (count on 3 to 4 times as expensive). Again, the best-equipped private hospitals are in Bangkok, and their prices are sometimes lower than in 'the province'!

    Beware, there is an awful lot of chaff under the private insurance available in Thailand, from any insurer. Many exclusions, age limits (not important now, but later on), sharp premium increases with higher age, '(mis)leading' information, and so on. Some providers are re-insurers = not a 'real' insurer = the insurance can stop without giving reasons ('proof on file')!

    In order to limit the premium costs, 'in-patient care only' could be chosen = only cover for hospitalization. To limit drug costs for out-patient care, one could ask for an ordinary 'prescription' (& then buy it yourself at almost any pharmacy). For home & garden conditions ('general practitioner') one can also go to a local private clinic, usually run by doctors working in a state hospital = minimal cost. Choice enough.


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