Clarifying OPD and IPD

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.


The dangers of self-diagnosis

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.


Getting claims paid

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.


Please help me,. I have Crohn's Disease!

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.


What about high blood pressure?

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.


Life insurance for savings or family protection

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.


Health cover for existing medical problems

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.


Buying hospital inpatient (IPD) coverage in Thailand

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.


Tell it to the OIC

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?


How did they know?

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.


Showing 10 tagged items out of 24 total Page 2 of 3



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