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BANGKOK 10 December 2018 10:19
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Type 2 diabetes health insurance

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Hi everyone hope this is right place if not Sorry anyway my question is

I am 56 English male moving to si rattana next year with Thai wife i have type 2 diabetes which i take 2 metformin tablets a day i will be looking for health insurance and wanted to ask if any members with type 2 diabetes in isaan can give me any information on any good insurance company’s for health insurance and a ruff idea of cost thank you for any help in this matter

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No worries.

Metformin is cheap here, as are monitoring visits to a doctor.

At 56 your still insurable, try any of the companies advertising on this site for starters.

Any health insurance co. will probably disallow your DM2 as a preexisting condition anyway.

Edited by Juan B Tong
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Unless it is a government subsidized program, then health insurance would exclude know medical cost and charge a premium for average medical cost for your health

i would suggest you continue your previous insurance (assuming you had insurance before you knew about guaranteed medical costs)

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Was on Metformin for over a year and caused very many problems, including dropping from 62k to 51k until I went to insulin. My internal medicine doctor of 15 years said it was the best decision I made. He let me make the choice. I am on Eli Lilly Humilin 70/30. Insulin is very cheap here in Thailand/Asia. 250 baht a vial. I went to the Eli Lilly cartridges for injector pen. So simple to use and travel with. Uses very short tiny needles needles. My Chiangmai pharmacy ordered the injector pen. I think 2300. Cartridges/5 to box at my once a day injections of 21 units cost 1200, pen needles extra short for injector is 800 baht a box. Good luck. I love the once a day injection without all the side effects. Just have to learn not to go low. I get my meter and all my test strips through a very good medical company through AliExpress atba fraction of cost of Thai supplies delivered direct to door in Chiang mai. Good luck!

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I am not diabetic so I cannot advise you on that side of things sorry. But I see a few good blokes have thrown their two bobs worth in,good on them. All the info you can get from people living here can make things so much easier for you.

As for the medical insurance,I made the mistake of going with a big local insurance company,thought it would be easier to deal locally. Big #($”[email protected]%§ mistake that was. Been in hospital twice this yr,once for urinary tract infection,once for pancreatic infection. Both times they refused to pay on the day of discharge. Still waiting for my money back. 

The waiting period was three months,i was 8 months into the policy with no claims as of that time . This was the first time any of my conditions had appeared and they still would not pay up.

i come to find out,the policy needs to be underwritten and guaranteed to pay out if admitted.

looking at a new provider now. (Pacific Cross health insurance).

They are underwritten and the policy is cheaper,once accepted the policy can be taken out untill 99 yrs of age,and they can’t cancel the policy if you become a risk.

They have an office in BKK and there is a guy named Jamie that handles expats.Spoke to him on the phone a few times and got good answers to some questions and concerns I had.(lessons learnt from current provider).

They all promise you the world until it’s time for them to pay up,so do some homework. But so far this company is looking good,be interested to hear from anyone that has cover and how they have been treated.

cheers Mike.

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I had Regency for 2 years and both illness and injury that required a Hospital stay was immediately deemed ' diabetes ' related and they would cover nothing. Switch over to Krungthai Bank KTB's 6200 health plan last year. Cheaper by 18,000 baht to any comparable International plan with my diabetes declared. Haven't needed to use it yet, but up front it offers everything the International ones promise they'll do.

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you know it is cure-able right ? ok, let's say you can get off insulin & other crap if you want to if you stick to some rules in your life.  It is called a lifestyle change and only works if YOU really want it. If you prefer injecting insulin, which , come on, what a joke as ..

every diabetes type 2 person is INSULIN RESISTANT ... about 5-10 years before they become T2D... do a fasting insulin test (homa-IR) and you will see how high your number is...

 

so taking INSULIN to push sugar into cells your body does not want, as you are resistant to it, is as useful as putting more air in your already over extented football, car tire, etc...

 

I know out of experience that many people love to continue to eat their crappy diet that is causing their disease, than to change that.... insulin injections, insulin pumps, metformin ....

 

metformin does lower blood glucose.... haha ... but it does not lower INSULIN levels ... ding ding ding ... ring a bell ?

 

if your MD does not want to do those tests or not covered by insurance, go to PATHLAB (.co.th) and order the tests you want and pay out of pocket

 

that is if you want to get rid of that pesky insulin,  injections, metformin, maybe some blood pressure medication or whatever else you are on...

 

just my 2 cents

 

many deniers will say: no, it is for life, only pills & injections, no "cure" ...guess what is their business.... MD, pharma resellers, etc...

 

 

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55 minutes ago, Morty T said:

I had Regency for 2 years and both illness and injury that required a Hospital stay was immediately deemed ' diabetes ' related and they would cover nothing. Switch over to Krungthai Bank KTB's 6200 health plan last year. Cheaper by 18,000 baht to any comparable International plan with my diabetes declared. Haven't needed to use it yet, but up front it offers everything the International ones promise they'll do.

Thanks for the info,the misses was looking at that mob last night,but with being another local company i wasn't to sure.

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1 hour ago, Morty T said:

I had Regency for 2 years and both illness and injury that required a Hospital stay was immediately deemed ' diabetes ' related and they would cover nothing. Switch over to Krungthai Bank KTB's 6200 health plan last year. Cheaper by 18,000 baht to any comparable International plan with my diabetes declared. Haven't needed to use it yet, but up front it offers everything the International ones promise they'll do.

Ktb does not have a health insurance,at least not at their website

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16 hours ago, dickjones2018 said:

you know it is cure-able right ? ok, let's say you can get off insulin & other crap if you want to if you stick to some rules in your life.  It is called a lifestyle change and only works if YOU really want it. If you prefer injecting insulin, which , come on, what a joke as ..

every diabetes type 2 person is INSULIN RESISTANT ... about 5-10 years before they become T2D... do a fasting insulin test (homa-IR) and you will see how high your number is...

 

so taking INSULIN to push sugar into cells your body does not want, as you are resistant to it, is as useful as putting more air in your already over extented football, car tire, etc...

 

I know out of experience that many people love to continue to eat their crappy diet that is causing their disease, than to change that.... insulin injections, insulin pumps, metformin ....

 

metformin does lower blood glucose.... haha ... but it does not lower INSULIN levels ... ding ding ding ... ring a bell ?

 

if your MD does not want to do those tests or not covered by insurance, go to PATHLAB (.co.th) and order the tests you want and pay out of pocket

 

that is if you want to get rid of that pesky insulin,  injections, metformin, maybe some blood pressure medication or whatever else you are on...

 

just my 2 cents

 

many deniers will say: no, it is for life, only pills & injections, no "cure" ...guess what is their business.... MD, pharma resellers, etc...

 

 

You are correct (!in my opinion) but your post comes across as elitist and patronising, a good way in fact, to make people ignore it, ding a ling, get it, ding a ling ha ha?

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16 hours ago, dickjones2018 said:

you know it is cure-able right ? ok, let's say you can get off insulin & other crap if you want to if you stick to some rules in your life.  It is called a lifestyle change and only works if YOU really want it. If you prefer injecting insulin, which , come on, what a joke as ..

every diabetes type 2 person is INSULIN RESISTANT ... about 5-10 years before they become T2D... do a fasting insulin test (homa-IR) and you will see how high your number is...

 

so taking INSULIN to push sugar into cells your body does not want, as you are resistant to it, is as useful as putting more air in your already over extented football, car tire, etc...

 

I know out of experience that many people love to continue to eat their crappy diet that is causing their disease, than to change that.... insulin injections, insulin pumps, metformin ....

 

metformin does lower blood glucose.... haha ... but it does not lower INSULIN levels ... ding ding ding ... ring a bell ?

 

if your MD does not want to do those tests or not covered by insurance, go to PATHLAB (.co.th) and order the tests you want and pay out of pocket

 

that is if you want to get rid of that pesky insulin,  injections, metformin, maybe some blood pressure medication or whatever else you are on...

 

just my 2 cents

 

many deniers will say: no, it is for life, only pills & injections, no "cure" ...guess what is their business.... MD, pharma resellers, etc...

 

 

DT2 is potentially manageable not curable, unless the patient maintains the lifestyle and dietary changes the condition will return. PS: I don't work in pharama. etc.

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I have been living in Thailand for 18 years and I am an insulin dependent type 2 diabetic. I have NEVER been able to get medical insurance, even back in the UK, and it is not for the want of trying! However I do have a comprehensive accident policy with Bangkok Bank - no problems. Treatment for other medical conditions I have to fund myself. 

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