Over the course of the pandemic, travel insurance in Thailand has gone from a “nice-to-have” to a “definitely-must-have”.
Truth be told, the process can be incredibly puzzling. Not only do you have to keep up with the changing (and let’s face it, bureaucratic) regulations, but you also have to familiarize yourself with insurance terms.
While living abroad is full of surprises, medical emergencies shouldn’t be one of them.
Both the hospital and volunteer ambulance services are available 24 hours a day, 7 days a week. There’s good coverage throughout the country, especially in and around Bangkok.
Working your way through the jargon minefield, etc
Coming from the UK, where private health insurance isn’t the norm, I can definitely see why many expats struggle to get their head around it when they move abroad. Especially in Thailand, where foreigners don’t have equal access to public healthcare services as locals do.
What should a typical health checkup package include in Thailand?
Personally, I would recommend sticking with the private hospitals if you can afford to. They tend to cost a lot more than government hospitals, but are typically value-for-money when compared to hospitals of the same standards in the West
Surviving these traumatic times
We’re certainly going through a difficult time, one that none of us were prepared for. With that said, I hope these tips will help you through the coronavirus lockdown.
Are you covered by your health or travel insurance provider?
Since we first heard about the outbreak, the number of inquiries we receive from both insured and uninsured people has gone up like crazy. People all over the world are in a state of panic and, with the growing number of cases and affected areas, that doesn’t seem to be going away just yet.
What are the options that will guarantee to keep you smiling?
In this blog, I’ll go through the different dental care options in Thailand and whether you can trust them.
I’ve come to learn that the full detox experience goes far beyond visiting a regular spa.
The most suitable detox location will depend on your self-improvement objectives. Whether you are looking to strengthen your physical health, improve your immune system, or lose weight in a healthy and efficient way, there’ll always be a detox program that targets your particular goal.
All you need to know about avoiding infection
In Bangkok, cases of chikungunya infection have also been reported. In August, Despite the worrying signs of a chikungunya outbreak, the general public remains largely ignorant of the issue, with many still not even knowing what the disease entails.
From education to food, neighborhood and healthcare
Oscar started asking me for advice as he and his family are planning to relocate to Thailand. To be honest, I wasn’t surprised. The warm weather, beautiful beaches, delicious (and spicy) food, and quality healthcare, who wouldn’t want to live here?
Is it worth waiting for?
The money is said to be used to ease the burden on Thai taxpayers having to pay for tourists’ emergency medical treatment and repatriation of people who die while on holiday.
What are your options if you need transporting by air, etc to a medical facility?
The reality is, if you ever find yourself caught in a medical emergency, the logistical costs of transferring to the nearest adequate medical facility could run into many, many thousands of Thai Baht.
I've been living here for three years and I have never regretted it.
Moving to Thailand could turn out to be your best decision, like it was for me, but you should be prepared and be sure of the lifestyle you want to live post-retirement.
Taking Thailand's new health insurance laws into consideration
People in the latter stage of their life are more susceptible to contracting diseases and flu, therefore health insurance is essential. And in today's world, there are some pretty good plans out there for the elderly.
Keeping your little ones in good health
When it comes to keeping children in good health in Thailand, costs can quickly rise, especially if you’re seeking to take the private healthcare road for your kids.
The common types of accidents and risks in Thailand for expats and travelers alike
On my way to work this morning, I couldn’t help but notice the massive traffic jams on both sides of the roads. I was walking along the top of the sky-walk when I happened to glance across to a group of backpackers looking somewhat bewildered by the road crossing........
Shopping for health insurance nowadays is quite easy with online comparison tools.
Tips that will help you make an informed decision when it comes to choosing your next affordable expat health insurance in Thailand that you can spare the money for, and be content with.
Insider's tips from a Songkran regular
"What's so great about it?", you might ask. Well, it's not all just about getting wet and drinking. What keeps me coming back year after year is that everyone is your friend during Songkran.
Is it time for Thailand's golden oldies to get insured?
A recent government policy shift has meant that foreigners residing in the country will soon have to arrange compulsory health insurance. I’d like to share with you how this new policy is going to affect expats in Thailand.
Questions to ask when shopping around for health / travel insurance
When faced with a medical emergency, choosing a hospital may not be an option for you. But in the event that you are able to choose your medical facility, it helps to have researched the nearest reputable facilities before flying to your holiday destination.
Unusual and funny travel insurance claims from around the world
Beyond the “usual” travel insurance claims such as emergency medical treatment, or stolen luggage, travelers from around the world sometimes also experienced quite funny and unheard of mishaps.
Getting around and staying safe, etc
Thailand is both a great and not-so-good place for solo travelling, and I’d like to share with you some tips on how to plan and experience a solo trip here in Thailand so that you can make the most of your time here.
Peace of mind for your beneficiaries
In the case of the policyholder’s death, a lump sum of money will be paid to the beneficiary marked in the policy, which can be used to cover the costs of the funeral, and/or body repatriation.
Why private dental insurance can come in handy
While you may think that the dental coverage provided by your employer as part of a group health insurance policy is enough, chances are that the level of benefits is often too low to meet your needs.
Are you covered for travel and medical issues when you are back on home soil?
While you might think you are still covered in your home country, chances are you are not.
What is the impact on your health?
It is very common for those residing in big cities such as Bangkok to draw open the curtains, only to be embraced by the jarring sight of smog and haze.
Does health insurance cover infertility investigation and treatment?
While infertility is becoming a bigger issue here in Thailand, there are options available to couples looking to increase their chances of conceiving by detecting and treating any infertility issues early.
It's definitely something worth thinking about.
While it’s good to have outpatient benefits that cover minor diseases such as fever and flu, it’s the critical ailments that you should be looking out for. If you’re diagnosed with some form of critical illness, not only will you have to pay for the often exorbitant medical bills, but you may also end up having to take extra time off work to receive treatment, or even become unable to work.
Addressing the elephant in the room
One of the most common mistakes I often see people make is skimming through their health insurance T&Cs without properly reading the exclusions section - which details what their plan won't cover.
You may think that nothing bad will happen to you during your travels, but some things just can’t be predicted!
If you are going to explore distant places, engage in so-called “adventurous activities,” or rent a motorbike - then I would suggest making sure your Southeast Asia travel insurance covers you for as many situations as possible?
Five questions that teachers should be asking
I strongly recommend buying teacher's health insurance to protect yourself, your family, and your finances while you're here.
What does the small print all mean?
Most medical insurance sold in Thailand, including medical insurance riders found on life insurance, is formed around Basic Hospital Inpatient Coverage, which is broken down into four areas of coverage: 1) Daily Room and Board, 2) Hospital General Expenses, 3) Surgery and 4) Inpatient Doctor Visits.
A detailed look at what life insurance is all about
I strongly believe that life insurance should primarily be purchased to guarantee financial security for loved ones, to cover payment of a debt (house purchase) or guarantee continuation of a business should an owner/partner die unexpectedly.
Is it possible to get insurance to cover treatment of an existing problem?
Iit still bothers me that many people with existing medical problems can't get insurance to help cover the treatment of medical problems. But, there are some options.
The 5 areas of health insurance coverage that you should be aware of
Most medical insurance plans sold in Thailand, including those packaged with life insurance policies, focus on providing basic hospital Inpatient (IPD) coverage.
There's a new sheriff in town
Being a stranger in a strange land causes many expats to become a bit paranoid at times. This can be especially true when considering the purchase of health and accident insurance in Thailand. Whom can you trust? What are the "hidden" exclusions that health insurers can use to get out of paying your claim?
When hospitals sharing information can prove costly
Recently, someone sent me an e-mail asking me if health insurance companies and hospitals in Thailand share information among themselves without permission from the patient.
Always understand the terms and conditions of a health insurance policy
I often read complaints about the standard exclusions found in the terms and conditions (T&C) of a particular insurance company's policy. What the complainers don't realize is that these exclusions are in all health insurance policies.
More expensive health insurance premiums can mean better equipment
Things keep changing in the field of medical care - and that means that costs keep increasing. The good news, though, is that much of the increase in cost is due to the hospitals buying new and improved test equipment to allow them to quickly spot and diagnose medical problems that would have previously been missed.
Misconceptions about life insurance sold in Thailand
One expat forum contributor claimed that the Thai government was using a tax deduction to get people to buy life insurance that the Thai government knew was overpriced. Strangers in a strange land can really say some stupid things on these forums.
A look at the different aspects of health insurance policies in Thailand
Health insurance here in Thailand, as a rule, is much cheaper and much simpler than the health insurance most expats are probably used to.
Always be 'up front' with your health insurer about high blood pressure
Last year we had a couple of fairly recent applicants get hospitalized. Their hospitalization had something to do with their history of hypertension.
What are the basic health insurance rules to keep in mind?
Two points to consider are firstly, you must live in Thailand to purchase health insurance in Thailand, and secondly, insurance in Thailand is regulated by the Department of Insurance.
Remember - health insurance is a business
Taxpayer supported health care is not a yet a reality for most of us. Now, we have no other choice but to rely on private health insurers for our medical care needs.
A breakdown of health insurance costs
Buying health insurance, as well as any other type of insurance, is much like everyone putting money together into one big jar for use in the event of a medical emergency.
A selection of letters from ajarn readers
Two years ago I was in a bad motorcycle accident and spent three months in the hospital including three weeks in an induced coma. I am doing ok now, however, I need powerful pain medications to be comfortable enough to get around.
A reality check
There are basically 2 types of health insurance coverage available in Thailand, government Social Security Insurance (SSI) and non-government, privately funded health insurance.
Hypertension, hyperlipidemia and diabetes
Ajarn.com's health insurance expert, Johnny Chan, looks at three medical problems that can't be cured but can certainly be controlled.
There's no need to be confused
I really hate sending out claim rejection notices to clients. Lately, though, we have had to send out quite a few. Looking through them to see why, I discovered that most of the claims had one thing in common.
Being your own doctor can be unhealthy
I fully understood why this person's claim had been rejected and his coverage cancelled. And, after having read his reply to them, I realized that he had absolutely no understanding of high blood pressure and how it could have been the cause of his heart attack.
Three types of health insurance buyer
As a rule, there really are no good or bad companies when it comes to paying claims, although some are a little better than others. It’s mainly a matter of timing and situation.
Will group health insurance cover a pre-existing condition?
I suggest that the letter writer check with his doctor to see if another more readily available form of medication would be just as acceptable for his needs. If not, then he should forget about coming to Thailand.