Ricky Batten

The dangers of self-diagnosis

Being your own doctor can be unhealthy

The insured had had his health insurance for nearly 2 years when he suddenly keeled over from a heart attack and ended up in the hospital.

Once the insurance company received his doctor's report and checked his medical history, though, they refused to pay his hospital bill, cancelled his insurance coverage and then gave him back the 2 years of premiums he had paid. They also wrote him a letter detailing why they had rejected his claim and cancelled his policy.

They rejected his claim because when he filled out his application to get the insurance he neglected to mention that he had been told by a doctor nearly a year earlier that he had high blood pressure. This kind of omission makes insurance companies quite upset...

Believing that he could justify this omission to the insurance company and thereby get them to pay his hospital bill, he sent them back a point by point letter of explanation. In his letter, he tried to provide a detailed rebuttal for every point they had brought out in their letter of rejection to him. When they didn't reply back to him, he contacted me and asked me to intercede with them on his behalf. He also provided me with a copy of their letter of rejection and his reply to it.

Once I read the letter from the insurance company, I fully understood why his 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.

His rationalization for not mentioning the doctor's high blood pressure reading was that he didn't really believe the doctor that tested him and he didn't trust the hospital where he was tested.. Just to be safe, though, he did borrow a blood pressure meter and started testing himself at home (the readings always came out Normal, he said)

And, for some reason, he also started taking blood pressure medication that doesn't require a doctor's prescription. He says that he quit taking it because he didn't really have a blood pressure problem - since his home test readings always came out Normal. Yes, he admits that his blood pressure reading was very high when he was admitted to the hospital for the heart attack, but he blames that on the heart attack itself. He believes that it was the heart attack that drove his blood pressure reading up.

Could that be true? No not at all.

High blood pressure (hypertension) is a chronic disease that slowly constricts or shrinks the blood vessels in a person's body over a long period of time. No one knows for sure what causes the problem to start, but heavy cigarette smoking and obesity are some of the things that can help to speed up this shrinking process. As the blood vessels and arteries continue to shrink, they restrict the flow of blood through the heart, eventually causing the heart to stop pumping

While there is no cure for high blood pressure; it can be controlled. But the problem needs to be taken seriously before it is too late. If you are told that you have high blood pressure, find a doctor that you feel comfortable with and let that doctor help you monitor your progress in keeping your blood pressure under control. You can do home testing also, but don't rely on this alone. Have a medical professional help you monitor your progress from time to time.

The insured's reply to the insurance company showed that he really had no understanding at all of the medical problem that put him in the hospital Without this understanding he really had no hope of getting the insurance company to change their mind about his claim.

Insurance companies do make mistakes occasionally, though. The insured should have checked with his treating physician first to determine if there was a possibility of this being true in his case before he sent his letter of rebuttal to the insurance company.

(In last month's blog, it was the doctor who convinced the insurance company that the insured's heart attack had nothing to do with his history of high blood pressure. That was because the insured kept his blood pressure under control and had regular check ups.)

For more information on healthcare and medical insurance in Thailand, please feel free to reach out to Pacific Prime Thailand Insurance Brokers, or email Walter directly at walter@pacificprime.com


No comments yet

Post your comment

Comments are moderated and will not appear instantly.

Featured Jobs

Pre-school Teacher

฿90,000+ / month


Full-time and Part-time Literacy / EFL Teachers

฿48,000+ / month


English Conversation Teachers

฿35,000+ / month


Economics, Business, GP and Maths Specialist

฿65,000+ / month


PE Teacher for Grades 7-12

฿59,000+ / month


NES English Language Teachers

฿600+ / hour


Featured Teachers

  • Bugana

    South African, 23 years old. Currently living in South Africa

  • Elisa

    Italian, 40 years old. Currently living in Italy

  • Adryan

    Indonesian, 44 years old. Currently living in Indonesia

  • Simelane

    Swazi, 26 years old. Currently living in Swaziland

  • Mislanao

    Filipino, 36 years old. Currently living in Philippines

  • Nokwanda

    South African, 28 years old. Currently living in South Africa

The Hot Spot

Air your views

Air your views

Got something to say on the topic of teaching, working or living in Thailand? The Ajarn Postbox is the place. Send us your letters!

Teacher mistakes

Teacher mistakes

What are the most common mistakes that teachers make when they are about to embark on a teaching career in Thailand? We've got them all covered.

The dreaded demo

The dreaded demo

Many schools ask for demo lessons before they hire. What should you the teacher be aware of?

Will I find work in Thailand?

Will I find work in Thailand?

It's one of the most common questions we get e-mailed to us. So find out exactly where you stand.

Contributions welcome

Contributions welcome

If you like visiting ajarn.com and reading the content, why not get involved yourself and keep us up to date?

The cost of living

The cost of living

How much money does a teacher need to earn in order to survive in Thailand? We analyze the facts.

The Region Guides

The Region Guides

Fancy working in Thailand but not in Bangkok? Our region guides are written by teachers who actually live and work in the provinces.

Need Thailand insurance?

Need Thailand insurance?

Have a question about health or travel insurance in Thailand? Ricky Batten from Pacific Prime is Ajarn's resident expert.