Author Topic: Expats worst nightmare  (Read 1596 times)

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Offline thaiga

Expats worst nightmare
« on: March 30, 2017, 06:29:38 PM »
sooner or later, everyone has to become his or her own insurer

Yes it's cheap to live in Thailand and most can live a good life on their pension alone.
BUT ... if you fall sick which is most of us dread the thought, you do really need insurance rather than leaving it to luck, a few years back i had a major operation, the surgeons fee was 30,000 bht. which didn't exactly break the bank, but it didn't stop there, two nights in bangkok hospital Korat, total of 87,500 bht. nearly 30,000 a night for a bed. Well over the top.

We all do it, shut the door after the horse has bolted, so off i go to enquire about insurance, nearly 50,000 bht.
Err i'll chance it at that price, 50,000 bht. x 14 yrs in thailand. Lets hope i'm in pocket and it stays that way.

According to the leading British insurance brokers’ association, the most common fear of foreigners living abroad is their health

Expats worst nightmare

Younger and working expats can usually insure for private hospital care as it is paid for by their employer. But what happens when expats are in their 60s,70s and 80s and living in a country such as Thailand without the safety net provided by the European Union network?

In greater Pattaya alone, there are thought to be around 40,000 expats, the majority from European countries, who are living here most or all of the year. Three-quarters are retirees and only a tiny proportion is covered by comprehensive medical insurance. This is partly because they have never been insured on the dubious belief that ill-health is something that happens to other people, or because their home-based insurer has raised their annual premiums beyond what they can afford.

British expat Phil Summers, 75, said “The fear of long-term ill-health in Pattaya has made me seriously think about returning to the UK. But expats are not automatically able to register for the National Health Service and I have nobody and nothing to return to. Like many others here, I burned my boats years ago.” He has now registered at the new Pattaya City Hospital on Soi Buakhao, a public sector institution, because the pricing structures are much lower than at private hospitals.

As regards privately-run hospitals, it is commonly claimed that they overcharge patients, but The Medical Council of Thailand points out that the prices have to cover medicines, medical equipment and hospital rooms as well as the actual treatment. Many private hospitals have invested hugely in new-tech medical machinery which has to be counted as an operating cost.

Moreover, private hospital administrators point out that elderly foreigners can sometimes obtain limited insurance following a full medical examination or can pay upfront for a discount card which reduces the cost of treatment by up to 15 percent. It is undeniable that the private sector offer friendlier staff, shorter queues and greater convenience in addition to good medical care. If patients wish to obtain these things they should be prepared to pay, goes the argument.

According to the Kasikorn Research Center, Thailand-based private hospitals listed on the stock market are doing well with business growing at 10 percent annually. Their 2015 revenue will likely go beyond 100 billion baht. The Medical Council of Thailand says that they oversee doctors’ ethics and practice but pricing in the private sector is outside their control as using the services is optional.

Last year the interim government introduced a scheme whereby foreign tourists could obtain emergency medical insurance to offset the fact that martial law precluded many foreign-based insurance companies from offering cover. The scheme is still in existence, but is not available to foreigners who are in possession of a non-immigrant visa. It’s strictly an option for bona fide tourists.

A leading Pattaya insurance agent dealing with expats said, “It’s a question of comparing an individual’s income with the costs of varying levels of medical cover. But it is certainly true that, sooner or later, everyone has to become his or her own insurer. Thailand has welcomed large number of farang on easy-to-get retirement visas, but the country is certainly not responsible for their emergency or long-term heath care.”
Anyone who goes to a psychiatrist should have his head examined.
The following users thanked this post: Johnnie F., sowhat

Offline Baby Farts

Re: Expats worst nightmare
« Reply #1 on: March 31, 2017, 09:48:10 AM »
Try SUT hospital next time.
The following users thanked this post: Johnnie F., jivvy, sowhat

Offline thaiga

Re: Expats worst nightmare
« Reply #2 on: March 31, 2017, 12:28:12 PM »
Thanks for your reply B/F, i thought on a subject that concerns us all there would be some sort of life in the thread (excuse the pun) it's dead, the members are lifeless, there is no appreciation of posts (apart from jivvy) so as from tomorrow i take a back seat, you either post. or look at an empty space.
Turn right at the intersection into Pakthongchai Road (Highway No. 304) going to Pakthongchai. Approximately 7 km from the intersection make a right turn into University Avenue (Maha Wittayalai Rd.). Approximately 5 km down the road is the main entrance of Suranaree University of Technology.

There is a thread with a list of hospitals that might come in handy to some here
Anyone who goes to a psychiatrist should have his head examined.
The following users thanked this post: Johnnie F., nan, sowhat

Offline Baby Farts

Re: Expats worst nightmare
« Reply #3 on: April 01, 2017, 01:53:33 PM »
Many people seem to come to life when in desperation.  Hospital care is an important factor to consider when living here.  I pay around 30,000 baht a year for my health insurance.  Bangkok hospital is really expensive which is why I suggested SUT.  There is one doctor there from America.  Nice guy and good too.
The following users thanked this post: nan

Online nan

Re: Expats worst nightmare
« Reply #4 on: April 02, 2017, 02:13:04 PM »
the members are lifeless

apart from mr.b/f ;D wonder what it's like in the love room :-[

good info there,nice to see some caring members :wai
ignorance does not help your post one bit but it probably says an awful lot about you.

Offline sowhat

Re: Expats worst nightmare
« Reply #5 on: April 02, 2017, 06:43:35 PM »
i don't quite know what this article means or even applies to us expats

72-hour emergency treatment for free at any hospital

Under the new scheme, emergency patients can receive free medical service for the first 72 hours at any hospital before they are transferred to their registered hospital on their medical scheme.

STARTING FROM today, emergency patients can go to any hospital for 72 hours free emergency treatment, the Public Health Ministry has announced.

Public Health Minister Dr Piyasakol Sakolsatayadorn said yesterday that the ministry has launched the Universal Coverage for Emergency Patients (UCEP) policy.

Piyasakol said that to cover the medical bill for the first 72 hours, the ministry has consulted with all relevant agencies and private hospitals to set up a rate for emergency treatment costing more than Bt3,000. The hospital can draw money from the medical scheme that the patient is registered to.

“People do not have to worry. If their illness is urgent, they can go to any hospital and receive free treatment for the first 72 hours, and then they will be transferred to the hospital that they registered with for treatment on their own scheme, or they can stay at the private hospital at their own expense,” he said.

The Public Health Minister also said that the ministry has arranged with public hospitals to prepare the room for emergency patients. He added that any private hospital that refuses to take care of emergency patients for free in the first 72 hours will be punished by law.

Air Vice Marshal Chalermporn Boonsiri, head of Thai College of Emergency Physicians, said that information will be placed in front of the emergency section of each hospital to clarify the definition of an emergency illness.

Chalermporn said that the National Institute for Emergency Medicine will rule on any dispute over what kind of illness can be considered an emergency.

Private Hospital Association president Dr Pongphat Patanavanich said private hospitals are ready to take care of emergency patients for free.

He stressed, however, that patients who decide to continue treatment at private hospitals beyond the first 72 hours will have to pay the exceeding medical bill by themselves.

Thai Medical Error Network director Preeyanan Lorsermvattana said that she was glad the Public Health Ministry had arrived at the policy and said authorities had made the right decision to solve the problems of emergency medical care.

“One of the good things in this policy is that there are punishments for private hospitals if they turn down an emergency patient. Moreover, there is a system to seek room for the transferred patients after receiving emergency treatment for 72 hours,” Preeyanan said.

“I have to thank all the people who are behind this progress. From now on, we are letting the system work and we will monitor for any problems that may occur.”

She added that Thailand still did not have enough emergency physicians and it was important that everyone should take good care of their health so they will not become an emergency patient.

This policy has been made legal on the auxiliary regulations, which were effective on April 1 onward.
The following users thanked this post: jivvy

Offline thaiga

Re: Expats worst nightmare
« Reply #6 on: April 05, 2017, 12:29:48 AM »
Just when there giving low income earners a bit of cash   We hear that 18 state hospitals are broke.               
The following hospitals which are considered as broke are: King Rama III hospital, 354 million baht in debt; Saraburi hospital, 321 million baht; Uttradit hospital, 277 million baht; Sakhon Nakhon hospital, 225 million baht; Surat Thani hospital, 219 million baht; Khon Kaen hospital, 214 million baht; Chao Phraya Yommaraj hospital, 199 million baht; Hua Hin hospital, 194 million baht; Wachira Phuket hospital, 185 million baht; Phayao hospital, 164 million baht; Phichit hospital, 156 million baht; Songkhla hospital, 138 million baht; Hat Yai hospital, 133 million baht; Nakhon Ping hospital, 131 million baht; King Rama II hospital, 116 million baht; Phra Phuttabaat hospital, 115 million baht; Prachuab Khiri Khan hospital, 102 million baht and Sukhothai hospital, 92 million baht.
Anyone who goes to a psychiatrist should have his head examined.