Reader question: Can mutual health insurance be set up for Belgians and Dutch people in Thailand?

Indeed, insurance is a matter of numbers, averages and (aggravated) risks. The group we are talking about here is (much too) small, the average age is (much too high). And why so many can't find good affordable insurance? Because the regular insurers do not want them with their existing conditions………

Simple calculation example: suppose we have 1000 insured persons, who each pay 2400 euros (200 euros per month). So premium income is 480.000 euros per year. From the overhead, say 20% (if it works out for that with such a small insurer), rent of premises, employees, board, lawyers, printing, etc., so 96.000 euros. This leaves 384.000 euros to cover the medical costs of 1000 members in any one year. Member number 384 falls into a coma as a result of an accident and dies after two months of artificial respiration in the intensive care unit …… bill 75.000 euros, 309.000 remains for the rest………

Even if we double the premium to 400 euros per month, there will still be no solvency. Not to mention excruciating management discussions such as: are we going to give that gentleman with his knee complaints a new knee or first let him live on painkillers for another five years (as is now the case in the Netherlands)?

In short, a charming idea indeed, but completely unfeasible.

khao noi says:premium income 480.000 euros per year.
but in my opinion it is 1000x 2400 euros is 2.400.000 euros.
then the calculation will be slightly different.

I wonder whether it cannot be contested, whether it is fair (or discriminatory for others who want to live in another non-European country) that in 2 certain countries OUTSIDE the EU (Morocco and Turkey) the Moroccans and Turks are entitled to BELGIAN social security if they return to live in their country of origin.

“Belgium pays medical expenses for Moroccans and Turks who have returned

https://www.thailandblog.nl/lezersvraag/onderlinge-ziektekostenverzekering-worden-opgericht-belgen-nederlanders-thailand/ "

I have already had contact with a Dutch health insurance company about this in the past and proposed to conclude a contract with hospitals and thereby keep the premium affordable.

But the risks are too great for that and the number of insured persons is too small and most people are already insured
quite old and therefore have too many ailments. The best thing is to set up a party together and then adjust the law through politics. And make it possible that people can simply remain insured in the Netherlands against the applicable Dutch prices. And they can then see whether agreements can be made with relevant Hostpitals abroad. But unfortunately there is no consensus among people for this. When I deregistered and took out an expat health insurance policy, many thought I was crazy. Too expensive and according to many it was better to avoid this problem and not to write you out of v. I'm still very happy that I took this option, despite the fact that the premium has risen considerably. And so we're just going to pay for the laughter.
JUST LOOK that even in the Netherlands quite a few already have problems paying the premium and have already made an arrangement to try to get rid of that. And then you have the people who simply do not want to pay. It is also the case that many institutions have benefited heavily from the laxity of governments for many years and declared nice amounts while the treatments were never carried out. That also raises the costs make it rise heavily. But it would be nice for everyone if they organized themselves because unity makes strength.

But unfortunately this dream will never come true because we can never reach the required block for it, because there is no consensus for that. Complaining and grumbling about everything but not wanting to do anything.

dear fellow human beings, we are getting old, what is getting old, and living where people are complaining about health care costs, look, I've been living here for years now, I don't go to much myself and the doctor wants to say protect yourself by doing well after life of your body, protect yourself, go to sleep on time, don't drink much, eat well, why would you take insurance when your time is there, go anyway, I myself have had a few months and beroeten for two days in the hospital, good care, many pills and so on, I am now 72 years old, drink 2 to 3 beers a day, then I go home, eat something and at 20,00 this boy is in his bed, and what still comes to me sexs is very good with her, every two days we are nice to roll, etc ... THAT KEEPS YOU FIT. I hope that many old years may smile at me, maybe wl 100 years who knows.
in short, don't complain and enjoy, even if there is pain, if only your heart is strong. my classification of food is like this :
in the morning 4 sandwiches with toppings from meat to fish, and sometimes syrup, I make hot food by noon, I also do that myself, potatoes, with minced meat, you can buy leeks at Makro, in the evening warm spahetty with milk, that is the, what i take vam pills is as follows 1 anapril 5mg 1 pill asperin 75 mg,every day in the morning,sometimes i take parrasetalmol, and that's it,every year i get cholesterol checked price 750 bath,test me self for sugar that is also good so enjoy, look we no longer walk like someone of 20 years old, life is in your own hands, that was it, I tell myself I can see what will happen, I always say The Lord will be my shepherd.Amen

A good friend of mine is the general manager of a private hospital in Bangkok. I presented him with the situation with the health insurance of expats. I also suggested to him whether it is possible that expats could receive medical treatment free of charge or at greatly reduced prices in return for the purchase of shares in this hospital; as a service to the shareholder. Particularly because the return on the shares of this hospital is more than 100% per year.
He has his marketing department (yes, they have one here in a private hospital) take a look at it.