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.