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[Lite Beer]

I have been looking at this from Kasikorn Bank.
http://www.kasikornb...s/Senior_1.aspx

[exeter]

Does not look to bad Lite Beer, however, when you are hitting 70 you are shown the door, the problem does not go away for the older folks out here, then you need a different plan by which time  its likely to be pay as you go.
Its agreat pity that more is not done to promote healthcare in mid to later life earlier in the same way as pensions are promoted, bu then again they are not that good value either but are a regular amount you can count till you die.

Edited by exeter, 2012-02-10 08:47:13.

[Fishenough]

Come on, it's really not a question of being able to afford the health care, yes there are some that can't with no insurance; but you are a foreigner in a foriegn country. Most often live is pleasant, easy and fun, like a long warm bath. But when things go sideways, eg. your girl friends have turn sour, your truck disappeared, your motorcycle is damaged and has damaged someones loved one, or whatever your in a pickle for, that is what even the most basic insurance is there for. Health wise, because if you don't have your health everything else matters not.

If I wasn't a single dad my option would be so strong, but how many stories of a farang who's live goes completely upside down do you hear or read? A very close friend mine is the person that consulates, and such, call when they need help with someone drowning in the dark side of Thailand. To see the physical and physiological damage that happens to a person when they have no where to turn is quite an alarming sight!

[hhfarang]

I just got to this topic late and skimmed it, so I could have missed it, but the other problem with health insurance that no one mentioned is that pre-existing conditions are not covered.  By the time I retired and lost my company health insurance I had been on medication to control blood pressure, cholesterol, and asthma for years.  All insurance companies and agents I've talked to cannot guarantee that a claim involving my lungs or cardio vascular systems would be covered because they would be considered pre-existing.  I know of several people who paid insurance for years and went to the hospital only to find the insurance company denied their claim as pre-existing.

I'm 62 and have no health insurance for this reason.  I will self fund as the insurance would probably be only accident insurance with my medical history.

[belg]

maybe, end it yourself when you are 75 or cannot take care of yourself anymore ?

or going back to your home country for some free social room till you die ?

[Card]

exeter, on 2012-02-06 10:03:11, said:

An excellent topic and I agree that when you reach 60+ you are generally a no no so self funding is the way to go, the bonus being that if you died in your sleep and did not need it you can leave to someone else which is a big plus.
The health Insurance I have seen here look expensive and dont seem to cover the likely cost and as mentioned when you become a bad risk age off you go and thanks for the money.
The amounts you are suggesting are IMHO ok, most people think you might have just one emergency, might be more who knows. Now getting the cost of operations is not easy to tie down but I was told last year that a heart by-pass operation outside of Bangkok was 1.5m bts so the figure the OP is thinking about is ok, prices will have gone up so it needs to be taken into consideration.
I think to many here are on a hope nothing happens to me mindset. It is prudent to to put something on one side for a rainy day, time may not allow you to get back to the homebase for a quick fix which is free.

In Bumrungrad, the package for bypass surgery appears to be about 500,000 baht with some add-ons:

http://www.bumrungra...ypass-graft-1-1

[Card]

<sub>Being 62, very healthy, I regularly tussle with this question as I don't really know how to handle or like the questions asked on the form ("have you ever had any faint indication that there might be even the slightest thing wrong with you!"). I'm currently looking at just paying for Personal Accident Insurance as accidents are most likely to cause me grief, esp traffic ones. I'm reasonably comfortable enough to pay for the rest and I live a healthy life style and get regular check-ups.

I just have a couple of points:

1. I think it is better to spend the cash you save by self-financing on monitoring ie. health checkups - both in their regularity and their intensity. Then u can focus on any single health problem that crops up before it gets serious.
2. Can u trust Thai health insurance companies to pay up, or even stay solvent when u need them? My Thai partner recommends international ones like Bupa, Chartis, AIA, rather the Thai ones.</sub>

[zziffle]

Card, on 2012-03-08 16:33:53, said:

In Bumrungrad, the package for bypass surgery appears to be about 500,000 baht with some add-ons:

And then there's always the fine print. I notice the bottom of the page lists eligibility exclusions, one of them being over 65.  I can't find a price for old farts (not that I am one, yet).

[canopus1969]

Card, on 2012-03-08 16:54:20, said:

<sub>Being 62, very healthy, I regularly tussle with this question as I don't really know how to handle or like the questions asked on the form ("have you ever had any faint indication that there might be even the slightest thing wrong with you!"). I'm currently looking at just paying for Personal Accident Insurance as accidents are most likely to cause me grief, esp traffic ones. I'm reasonably comfortable enough to pay for the rest and I live a healthy life style and get regular check-ups.

I just have a couple of points:

1. I think it is better to spend the cash you save by self-financing on monitoring ie. health checkups - both in their regularity and their intensity. Then u can focus on any single health problem that crops up before it gets serious.
2. Can u trust Thai health insurance companies to pay up, or even stay solvent when u need them? My Thai partner recommends international ones like Bupa, Chartis, AIA, rather the Thai ones.</sub>

A problem here with your wife's thinking - all these companies are Thai not International !  They may have International companies behind them to a greater or lesser extent but that means nothing in Thailand when they come to deal with claims.