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Home » Reader question » Reader question: Health insurance for a Thai
Reader question: Health insurance for a Thai
Dear readers,
On behalf of my friend, we are looking for health insurance for her Thai father (62 years old) in Thailand, in case he needs to be admitted to a hospital (he has recently had an examination for his heart).
My girlfriend has already inquired and she is told amounts that make you dizzy, such as € 1500 and more per year. Perhaps they are trying to sell her another life insurance or is it the real cost?
Your information is very welcome.
Kind regards,
French
http://aseanhealthcare.com/
Do a search there on 62 years….well…$2580….So maybe it is the real cost….
Send them an email, I'd say. That is a broker, not an insurer and therefore their business to find the best (low price) insurance.
Oh..Site is also in Dutch…http://verzekereninazie.nl/
And you also have http://www.verzekereninthailand.nl/
Success!
The cheapest private health insurance in Thailand is Bupa, just check their website. It makes a big difference with the international insurers.
He can also just take the 30 baht insurance, which is not for private health insurance
Check out the BUPA website, this is the cheapest private health insurance, saves a lot with international insurers. Or he can do the 30 baht insurance for Thai people, but this is not insurance for the private hospitals
Existing ailments are usually excluded with Thai insurers, so the question is whether it will help you for this heart ailment.
Bopa and all the others throw you out at 70. go to pacificprime they don't have that
This is not correct Santo, I am 71 and still insured with Bupa.
So Bupa and not Bopa.
Well there was a person here who had been insured with Bupa for 10 years and when he turned 70 he was kicked out, so I don't have my own. Knowledge of mine tried to get to aia and bupa when he came here for good. He was refused in both. Reason : you are too old. Fortunately you can stay in it
grt
If you are already insured with them before you turn 70, they can't just throw you out, I think. They don't want you after your 70th birthday, that's something else and for some even after your 60th birthday.
Logically most of them have some defects at that age, nobody wants to insure a burning house anyway.
For many insurance policies, you are over 60 years old, and you are no longer accepted as a policyholder.
With insurance policies that accept people over the age of 60, the premium has been adjusted in such a way due to the increasing risk that they have a much higher premium, moreover, they want to know all previous illnesses and ailments upon application, so that the insurance has as little risk as possible, and the insured person almost no certainty.
Pacific prime is not affected by that.. Both of my friends and I are now with pacific prime.. But ok you pay a little more than in the Netherlands.. But the feeling is good.. The three of us have never had a problem.. We all exercise a lot
grt
You will come to us (www.verzekereninthailand.nl) at all the above sites.
Bupa is not a good option, joining at the age of 62 means that the insurance ends at the age of 70. And that is within a few years.
What is (almost) free for people with Thai nationality?
Thai health care is divided into 3 systems:
1. Civil Service Medical Benefits Scheme:
This is the insurance for Thai officials. Spouses, parents and the first 3 children can, however, be insured here. So if you, as a Dutch national, are legally married to a civil servant, you can also make use of this.
2.Social Security Fund:
This is the insurance for private sector employees and applies only to those employees who are registered with the Social Security Office.
3.Universal Healthcare Coverage Scheme:
For everyone who does not fall under category 1 or 2, or the lion's share of the Thai population. This arrangement is popularly still referred to as the 30 baht insurance because in the early days patients had to pay 30 baht for each treatment. The 30 baht payment has now been abolished because the administrative burdens were higher than the revenues.
In addition, there are still plenty of plans available on the insurance market. However, the entry age (62 years) also means that premiums are higher (premiums increase with age). The best plan available to someone with Thai nationality costs 95,407 baht for the inpatient plan.
The cheapest plan I can find costs 62 baht per year at the age of 10,850, but the limits are obviously low there.
I read that the father has already been to the hospital for a heart examination. If something is found, this can result in an exclusion. Keep that in mind.
Have a look at the site below.
http://www.thaihealth.co.th/2012/index_eng.php
Thai Life insures up to the age of 80 and you can insure yourself up to the age of 66 without any problems. Premiums are very reasonable, especially compared to international companies. You have different policies; from simple to maxi, as they call it. For example, if you take the middle policy, called wealthy healthy, then you pay just under 62 baht per year for the cheapest policy at the age of 16.000 and you are then insured up to 300.000 baht per disability (don't know the right word in Dutch; claim) per year. Don't be fooled by know-it-alls who say that you are “only insured for 300.000 baht per year, because you get up to 300.000 baht per claim. So you can claim up to 300.000 baht several times in a year, for example for a broken leg, a broken arm. Even 2 broken legs are 2 different disabilities! You can insure yourself with this policy up to a maximum of 2,4 million baht. Some call this additional insurance, but I can assure you (appropriately) that you are more than sufficiently insured in Thailand. Below is the link to the wealthy policy.
http://www.thaihealth.co.th/product_wealthy.php
I read something about the 30 baht insurance, but that applies to every Thai. You can only go to state hospitals and you will understand that this insurance does not carry out expensive treatments. For example, you will not get a knee prosthesis, but your knee will simply be fixed. You then have a stiff leg.
Success!
good experience with Bupa, have heard that thailife is also good and otherwise the 30 baht plan.
http://www.verzekereninthailand.nl
Did I say…I say again….further reports are….in my opinion…superfluous!
: )
For those looking for lifelong coverage, the following tip: if you take out health insurance with Bupa before the age of sixty, you will remain insured until your death, in other words for the rest of your life. If you live in the Netherlands before the age of XNUMX, but plan to move to TH after the age of XNUMX, you can maintain minimum coverage for the first few years. You then determine more definitive coverage once you're settled in TH. You renew the insurance annually, so you can see how your coverage will improve each year. Big advantage: through brochures and the website you can see how much premium you pay for which coverage and at what age. So it is not the case that Bupa is suddenly increasing premiums, as is sometimes claimed, by calculating everything in advance.
@Soi: Of course it should not look like chatting, but a comment should be made here. If someone takes a cheap plan from Bupa and later wants to upgrade it to a better covering plan, then a medical questionnaire will always have to be completed and there is a chance that Bupa will exclude certain things if something has changed in the health situation. or that they even refuse to upgrade at all. It is never blindly converted to a higher plan.
In addition, it is not necessary in my opinion not yet living in Thailand to take out insurance because of the 60-year limit at Bupa. There are plenty of (better) airlines that have much higher final boarding ages.
Still some criticism! Also, or precisely because Frans asks for normal insurance.
Unfortunately, those supposedly better companies always ask for absurdly high premiums of 350 to 450 euros per month and also have exclusions and sometimes even age limits, just like Bupa, AXA and Thai Life. With those supposedly better companies you are covered up to 1 or 2 million US Dollars; that is 33 to 66 million Thb! For that you can have yourself converted from male to female and back 20 to 40 times in Thailand! Even the supposedly better companies do not pay out blindly and often first want a cost overview that is assessed by their medical specialists!
Ok, you can also stay in rooms with gold faucets, but that won't help you much if you're confined to a hospital bed.
Ok, you are insured against everything, but what are the chances that you will get cancer, and a spinal cord injury, and a cerebral hemorrhage at the same time and also need an organ transplant?
Incidentally, the exclusions at, for example, AXA (and I think also Bupa) apply for only two years and are then reimbursed.
In short, there is more between heaven and earth than just better (international) and less good (local) insurance companies, although we would like to believe not. It is logical that you get better coverage for a much higher premium. The only question is whether this coverage is also realistic in terms of costs and necessary in terms of risk. Unfortunately, few people ask this question and insurers benefit from this!