Ricky Batten

Three potentially dangerous medical conditions

Hypertension, hyperlipidemia and diabetes

The three most potentially serious medical problems that I encounter most often, when processing clients' applications for health insurance are 1) Hypertension (high blood pressure), 2) Hyperlipidemia (high blood Cholesterol), and 3) Diabetes (high blood sugar).

These conditions are "potentially" serious, because this blood flows through the most vital organs of our body. If these problems with the blood are not brought under control, they will eventually cause serious damage to these vital organs and can lead to a very serious heart attack, or other serious medical problems.

The bad news about these conditions is that they can't be cured (for now) and they will always be excluded from coverage if the problems existed at the time of application for insurance. (Yes, yes, yes...I know that some of you probably find this hard to believe, because you come from countries where the government gets involved in assuring that everyone has health coverage and pre-existing conditions are covered. 

The good news is that, while these conditions can't be cured, they very definitely can be controlled - if you have the commitment and you seek reliable medical support to do so. The damage caused to vital organs develops over a long period of time and can be prevented if controlled soon enough (check with your doctor about this).

But, from an insurance company's perspective, even if you do bring the problem under control, the danger of you losing control still persists.

You lost control of the problem once, so you can still lose control of the problem again. It might be ideal for you if they removed the exclusion and just allowed you to submit proof every year to the insurance company showing that the problem is fully under control. But, monitoring that proof would be too difficult and costly for them. So, the exclusion would have to remain, no matter how well the condition has been kept under control.

The big question is: If you are excluded from coverage for treatment, medication and testing for high blood pressure, high cholesterol or diabetes, and any problems related to them, would you be covered for treatment of a heart attack, for example? The answer to that would depend on the treating physician. These conditions, if allowed to get out of control, leave tell-tale signs that let the treating physician know if they could be responsible. If those signs don't exist, then treatment of the heart attack should be covered; unless, of course, there were other reasons for not covering it stated in the policy.

We were able to put this to a test a few years ago when one of our inbound travel insurance clients arrived in Bangkok, departed from the plane, and then collapsed from a heart attack. It turned out that the insured had a history of high blood pressure which he kept under control with medication.

The insurance company's first response was, "Ah, ha! Got you!" (Or, something to that effect). But, the treating physician replied back, "Ah, ha! No, you don't!" (Or, something to that effect). The treating physician stated very emphatically that the insured's history of high blood pressure had nothing to do with his heart attack. The insurance company then paid the claim in full. Well...except for the drinks in the refrigerator in his room which he tried to claim for.

Let this story be a lesson for you: The drinks you take from the hospital room refrigerator are not covered by your health insurance.

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

Grade 8 School Teacher

฿55,000+ / month


English Conversation Teachers

฿35,000+ / month


Short-term English Teachers

฿40,000+ / month


Female School Counselor (Thai National)

฿27,000+ / month

Samut Prakan

NES Kindergarten Homeroom Teacher

฿50,000+ / month


NES or European Teachers

฿34,000+ / month


Featured Teachers

  • Pete

    Canadian, 64 years old. Currently living in Thailand

  • Barry

    Australian, 59 years old. Currently living in Thailand

  • Onur

    Turkish, 54 years old. Currently living in Turkey

  • Remalyn

    Filipino, 27 years old. Currently living in Philippines

  • Tiffany

    American, 35 years old. Currently living in USA

  • Reby

    Filipino, 33 years old. Currently living in Thailand

The Hot Spot

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?

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!

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.

The dreaded demo

The dreaded demo

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

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.

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.

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.