Scott

SURVEY: Should foreigners entering Thailand be required to have or purchase medical insurance?

SURVEY: Should foreigners entering Thailand be required to have or purchase medical insurance?   262 members have voted

  1. 1. SURVEY: Should foreigners entering Thailand be required to have or purchase medical insurance?

    • Yes, all foreigners should show proof of insurance or be required to purchase it before entering the Kingdom.
      101
    • No, foreigners should not have to show or purchase insurance.
      147

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101 posts in this topic

What about millionaires who self insure? Why should they be forced to pay for crappy insurance if they can just pay out of pocket without battering an eyelid? I don’t know of any country that requires to see health insurance when you show up at customs, why should Thailand be an exception? If it was anywhere it should be first world countries where health care isn’t as cheap as Thailand.

 

 

 

 

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3 minutes ago, pentae said:

What about millionaires who self insure? Why should they be forced to pay for crappy insurance if they can just pay out of pocket without battering an eyelid?

 

 

Then they should have no problem locking up X amount of cash as deemed fit by Thailand to pay for their emergencies

should they have any

 

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ID: 33   Posted (edited)

2 hours ago, mania said:

I would say yes

Tourists...many are drinking party types & crash motorbikes often enough

Anyone who has lived here for years has read many times please from family members from where ever

asking for help to fund their now bed ridden or worse relative homewards

 

Long Term Expats? 100% yes required & if they want to claim ..."Oh I self insure or can always go

home if I have a problem"..... then they need to deposit X amount deemed sufficient by Thailand

into a fund that is locked & they can gain interest from it but not use the principal of it.

 

Fair is fair & Thailand is going to get stuck big time with all the retiring geriatrics that come here many of

whom are still spending their days lifting beer mugs

 

I'm sure this may not be well received but if it was your country & thousands were retiring there

without insurance you would say the same

 

They already do in Britain ,there are so many illegals and health tourists its a joke , but my sister in law who is Thai does not need health insurance in Britain she gets the NHS free , so why cant we go to a govt hospital , oh i forgot i do ,i use the Queen Sirikit and pay falang price .

 

but if your survey is about tourists here for a few weeks ,of course they should have insurance ,stupid not to .

Edited by i claudius

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2 hours ago, BarnicaleBob said:

I think tourists arriving in Thailand should have travel insurance at least.  However, those that retire to Thailand and live long term, getting insurance above a certain age is impossible because no Thai insurance company will insure them at their age.  So if the Thai government requires all persons tourist and expats to have insurance, the Thai government will need to provide a means that will require Thai insurance company's to cover anyone of any age at a reasonable price.  Its called spreading the risk, maybe a new concept to Thai insurance companies. 

 

I don't agree with your statement that old retirees cannot buy into Health Insurance. I took out Health Insurance at the age of 69 and am able to continue cover until age 90. The company is based in Bangkok and has previously advertised here on TVF. You can PM me if you require further information.

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I have recently been informed by Thai Life I am no longer eligible for hospital cover as I am 70 years In Jan; before I was told the cover was until 80 years, have informed me this is only for new customers. My heralth is good at the moment but who knows in the future. I  will not get covered for health insurance here, so have to consider all options. No easy answer, have small pension that covers me for my monthly bills that is it.

 

 

 

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Do farangs who take a Thai bird back to farangland have to supply insurance for his new love...?

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And I believe that all rich spoiled brats should be expelled from Thailand because of their I'm better than you because I'm rich, never dug a ditch, slogged a rice paddy, had a cave in, got shot at, spent 16 hrs. a day/night on patrol with no back up available for 45 min. much less medical help. At 71, I have insurance back in the states, ended when the plane left the coast, no, one part continued for a month, much like travel ins.,  and VA here, but only for my specific disabilities. If I'm in good enough shape to return to the states and return with the same abilities and life style I live now OK, if not, just pop me in the oven until well done.

 

joebrown, and how much did that insurance cover and what was the cost?

 

Transam, I certainly don't thing so, at least not for the states. But you must have income or certain amount to guarantee support. I gave up on a visa for the wife after seeing and hearing all the hoops, time and cost. It was only for a month, until I finished work. Nothing about insurance. Oh, she didn't want to go anyway, she knows too much about what the states are really like, especially the south.

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7 hours ago, nightbird said:

Bludging? Where in Thailand do you get free medical care? When I go to any hospital, private or gov't, I must pay the rate. And, I pay it in full. Most insurance is a scheme that preys on your fear and the collusion of big business, big Pharma, and a profit motive as the main ingredients. They arbitrarily decide on the worth of various procedures, treatments, etc., guaranteeing the profits for those in control. This, in effect, is against the people, as it makes a basic service, care and treatment giving, unaffordable for the masses. The only benefit having foreigners have their own health insurance is for the private hospitals who will be able to charge top dollar/euro for their service. 

 

Try to rethink your response before coming to an absurd conclusion. 

The argument for medical insurance for foreigners is not that they get free medical treatment in Thailand but that they are then covered and don't have to beg from others in order to either get treatment for a serious illness or repatriation. There might also be an argument that they should not be getting subsidised treatment that is only available to Thai citizens.

 

Try getting medical treatment at all without insurance in many countries where you are not a citizen or resident! Even in some EU countries, it is either not easy or impossible (and that is for EU citizens who have neglected to remember to bring a certain form). Good luck with getting any medical treatment in the USA - my insurer which covers every country in the world will not cover me at all in the USA. I have to get special travel coverage for any trips there.

 

Foreign tourists can get very cheap medical insurance for up to several months as long as they remain resident in a foreign country. Long term stayers can get either medical insurance in their own country or in Thailand.

 

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On 11/26/2016 at 11:37 AM, Scott said:

Should foreigners entering Thailand be required to have or purchase medical insurance?

 

One of the points raised in the proposed changes in immigration rules is that foreigners may be required to have medical insurance.   In your opinion, do you think Thailand should require foreigners to have medical insurance or to purchase medical insurance before being allowed to enter Thailand?

 

2 issues here. Foreigners entering Thailand and immigration rules.

 

1. Not many immigration rules apply to foreigners ( tourists ) on holiday. I think it is only correct, for both the tourist and Thailand that the tourist has appropriate medical insurance to cover their short stay in Thailand. I am talking about those that come for a 2 / 3 week holiday and return home.

 

2. Long term foreigners are a totally different barrel of fish. Of course they should also have appropriate medical insurance. The issue arises when they will no longer be accepted for medical insurance due to age restrictions.

 

Grey area, with no specific answers. 

 

Perhaps some sort of Government Health Insurance when people have passed the age limit for Health Insurance might be the answer. Then again, with the amount of Thai bashing that goes on, I would not be inclined to agree to that if I was a Thai Government official.

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I don't believe there's a problem with farang using or abusing or bludging off the Thai medical system or the Thai tax payers. It sounds like one more excuse for farang bashing to me. Most tourists do have travel/medical insurance, which gets ripped off with ridiculous fees, way in excess of what any Thai patient ever pays, so how about an investigation into that little scam.

 

Others living here do not have medical insurance but pay as they go at local hospitals and clinics. There again they are paying more than Thai patients, but the fees and charges are still very low and affordable. All this talk about penniless farang running but hundreds and thousands of baht bills is rubbish. You can't get a big toe into one of those 5-star Bangkok Hospitals without first showing medical insurance or a credit card. And nobody's running up thousands of baht bills at Thai gov run regional hospitals. 

 

So don't kid yourselves, farang don't get aught for nought in Thailand.

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Sure,  I am happy to pay 100000 bath a year if I can get health insurance.  All  insurances have  refused  and travel insurance only covers heath in combination with a health insurance. So sell me one I am happy to pay for coverage.

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ID: 44   Posted (edited)

When we come on holiday to LOS we always have travel insurance which also covers motorcycle accidents.  We go abroad many times throughout the year so just retain a rolling one year travel insurance policy and also have EHIC cards.

 

I dread to think what would happen to us if we had a serious accident in LOS, or elsewhere, without travel insurance.  Actually I know, as I see it in the news all the time with victims families trying to raise tens of thousands of £s / $s through gofundme websites to settle eye watering medical and repatriation bills.  Even then some victims do have travel insurance but without sufficient coverage for all eventualities which is completely bonkers or the policy has expired as they 'forgot' about it.  Still that's up to them and not my look out.

 

If my wife or I were lucky enough to survive a serious accident or medical event then I want the absolute best care afforded us.  If we die then just chuck us on the funeral pyre.

 

I'm just not willing to risk the uncertainty for what costs the same annual price as a meal for two at a decent restaurant. 

 

Therefore we don't require an enforced policy as we take care of ourselves already but it's a good idea to remind the masses as many seem to leave their brains behind at departures.

 

 

Edited by acid thunder

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3 hours ago, elgordo38 said:

If health insurance became mandatory all the old codgers over 70 would have to leave. Cue here there must be a few rich ole farts that will boo me on this one. Thailand could offer us a reasonable health insurance coverage as after all we do spend money here but it is always the case with a captive audience the likes of us take and not give. They offered coverage a few years back and then quickly withdrew the plan before the ink was dry. I think they felt that they might get the short end of the stick. Heaven forbid. They want to keep the bahts coming but investing in the continuance of the baht flow not so much. Even Costa Rica has a more compassion in their health system you must join. Incoming. 

Your are right !  Expats over 70 could not buy local insurance and most local  insurance, except a few rare company, stop at 70.

 

For the new 10 years retirement visa they should arrange to have available  local insurance to cover expats  for the  10,000 USD coverage. It must not be so expensive to arrange.  International insurance at that age too expensive for regular people.

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