For expat teachers with pre-existing conditions, finding insurance coverage that covers these conditions can be challenging - but not impossible.
If you’re an expat teacher employed by a school in Thailand, chances are that you’ll have access to school-provided health insurance. Some of these plans may cover pre-existing conditions* under medical history disregarded (MHD) clauses, but many will unfortunately not cover pre-existing conditions.
Moving to Thailand to teach? As you’ll need to access medical care at some point, it’s best to be prepared beforehand.
Even if your school provides you with private health insurance as an employee benefit, it’s still worth doing your own research and arming yourself with knowledge.
How expats can access treatment remotely in Thailand
Certain positive cases can access remote treatment via one of three telehealth apps.
Major travel restrictions are dropped just in time for the summer holidays.
Thailand is now dropping most of its entry requirements. I’ll get you up to speed with the latest changes in this article.
While Thailand is hardly characterized as a welfare state, it does have a decent social security system in place.
If you’re legally employed by a company based in the country, you’ll be automatically enrolled in the social security system, though many expats and foreigners are unaware of how the system works or how to make full use of it.
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.
Will you be living well - or simply surviving?
Is it possible to live in Bangkok on a 30,000 baht teacher salary? OK, let's really drill down those numbers.
Are you prepared for the unhealthier times?
As the old saying goes - don't leave home without it! Not your health insurance card anyway.
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.
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.