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.
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What were people reading in the month of October on the Ajarn website?
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.