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Special Report: Phuket hospitals facing huge losses from uninsured patients

209 posts in this topic

Time to recycle the issue...

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It's 7,300 Baht a day.....So they will come up with a plan that each tourist will have to pay 5,000Bt when they arrive. Times that by 30 million = 150,000,000,000.00

 

Sounds about right

 

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A friend of mine died in a Bkk hospital of AIDS.His brother came over and paid 5,000,000 for the treatment up to then. He then absconded back to the UK,leaving the hospital with my friends daughters name and address, he having given a dodgy one.

This girl had never signed or accepted responsibility for anything.This hospital persued her for over a year, trying to get her to pay. They even got some smart arse lawyer, saying he represented the British courts and that she would have to pay. He threatened her with a court writ, that would find her guilty in absentia. She was a copper and she got a police lawyer to send her a letter saying that she had committed no crime in her own country, and the Thai authorities were welcome to proceed with her extradition, if they so pleased.It eventually stopped, but she was emailed by the lawyer saying that she should not attempt to enter the kingdom,as she would be arrested. So the poor girl has done nothing, and now she is barred from coming here, even for a holiday.

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55,Farang Deaths Project,hopefully i will nevef be a member.Surely it is time to have mandatory insurance before yoh keave home.Just put it on the airlines to check or they will be sent back at your cost.

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7 hours ago, A1Str8 said:

I have never had insurance. Whenever I was treated, upon checking out I got into a hospital car, they took me home, I got the money then we went back and I paid. 

try that when admitted to an ICU!

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15 hours ago, RigPig said:

I understand your reasoning but at what point do people take the responsibility for their own actions?  Do you think it is OK for people to come here and expect free medical care when Thailand hasn't the infrastructure of countries like England or Australis etc.  The first thing you have to show to get into Aus is that you will not be a burden on the free medical system.  NONE of these people have or will pay tax here!  My medical insurance costs me $500US a month, and that is my choice, and it doesn't cover me for pre existing conditions either...

Not quite true.They ask you on the visa application form are you going to visit an Aust.hospital,but there is no requirement on getting insurance,medical or otherwise.

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8 hours ago, little mary sunshine said:

If everyone is required to have travel insurance, than the

hospitals will be paid if there is an accident and every

traveler is protected in Thailand...Win Win situation.

Except the drunkards,the non helmet brigade,the drugtakers,the no licence crowd,ect.

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57 minutes ago, Psimbo said:

try that when admitted to an ICU!

In which case it's even easier coz they just explained that in life threatening situations they don't ask for anything, but saving human life comes first.

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If these people went to a Government hospital, we wouldn't be having this discussion.  Private hospitals are expensive.  Government hospitals are cheap.  Surprising how many people don't know, don't care or think they are "too good" to wait in line. 😂

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If these people went to a Government hospital, we wouldn't be having this discussion.  Private hospitals are expensive.  Government hospitals are cheap.  Surprising how many people don't know, don't care or think they are "too good" to wait in line. 😂

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On 4/18/2017 at 6:28 PM, the guest said:

If the government was smart, it would make it compulsory for all foreigners to have full insurance before a visa would be granted. It solves a lot of problems.

What a supremely simpleminded idea!  'Just another excuse for a money-grab.  And if it's to be a traveler's existing insurance policies to be checked rather than just a new visa fee - which will just end up paying for chinese submarines and tanks - it WILL add incalculably to entry queues and unpredictability.  It's equally ridiculous to push it all off onto individual consulates who'll each interpret the new reqts differently.

 

This is actually really straightforward.  Address the CONSEQUENCES (of being a deadbeat).  Make it painful and predictable enough and they'll stop coming.  And if they're expats living here with property and belongings to lose and possibly even families & girlfriends, they'll think twice before risking their own summary deportation and blacklisting.

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3 hours ago, SiSePuede419 said:

If these people went to a Government hospital, we wouldn't be having this discussion.  Private hospitals are expensive.  Government hospitals are cheap.  Surprising how many people don't know, don't care or think they are "too good" to wait in line. 😂

Er, um, the hospital mentioned in the OP IS a governement hospital!

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I'm over 70, and any medical insurance I can get in Thailand is ruinously expensive. My solution is to maintain my private health insurance in Australia, and keep 500,000 baht in a sinking fund here for hospital.treatment.

Realistically, the only time I'll need high level treatment here is if I'm in a traffic accident, or have a heart attack/stroke. For anything else, get on a flight to Australia.

Possibly not the best solution; however, I refuse to shell out 250,000 baht a year to the insurers. Greedy bastards.

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Just now, bazza73 said:

I'm over 70, and any medical insurance I can get in Thailand is ruinously expensive. My solution is to maintain my private health insurance in Australia, and keep 500,000 baht in a sinking fund here for hospital.treatment.

Realistically, the only time I'll need high level treatment here is if I'm in a traffic accident, or have a heart attack/stroke. For anything else, get on a flight to Australia.

Possibly not the best solution; however, I refuse to shell out 250,000 baht a year to the insurers. Greedy bastards.

Not the way,not the way by a mile. You are here to be cleaned out  (by BUPA) too

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Put this comment in another thread running alongside this thread,guess its all same-same

 

Id say so too.  Had a couple of run-ins with these damned private hospitals years ago...pneumonia,ICU  nobody came all night,doctor in morning,told them this is insane Im checking out, half full oxygen bottles changed mad rush for more medications,even more of whatever to bump that bill up,yes was a bill,about70,000,   Demanded to see director of hospital,told him Im not paying for this crap and call the police.  He asked how much would I like to pay,a third I replied  OK he said

    Pharmacy ,with guy in charge would have been more than sufficient

  Another time,skin cancer, now I knew the doctor was lying  told him so   ,behind the ear stuff, on further test  no cancer

  Hope all you filled up to the brim medical insurance types,paying for "peace of mind"  hefty sum types never get to use it,you can look back at a waste of money,but then maybe not,..do govt. hospitals do insurance?

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3 minutes ago, teddog said:

Put this comment in another thread running alongside this thread,guess its all same-same

 

Id say so too.  Had a couple of run-ins with these damned private hospitals years ago...pneumonia,ICU  nobody came all night,doctor in morning,told them this is insane Im checking out, half full oxygen bottles changed mad rush for more medications,even more of whatever to bump that bill up,yes was a bill,about70,000,   Demanded to see director of hospital,told him Im not paying for this crap and call the police.  He asked how much would I like to pay,a third I replied  OK he said

    Pharmacy ,with guy in charge would have been more than sufficient

  Another time,skin cancer, now I knew the doctor was lying  told him so   ,behind the ear stuff, on further test  no cancer

  Hope all you filled up to the brim medical insurance types,paying for "peace of mind"  hefty sum types never get to use it,you can look back at a waste of money,but then maybe not,..do govt. hospitals do insurance?

Govt. hospitals cater for Thai insurance, particularly the 30 baht scheme. It is at the discretion of the insurer whether or not a customer can become a patient of a particular hospital and have their treatment covered, for some insurers that is a quality issue, for others it's a cost issue - major regional hospitals are set up to accept private health insurance, smaller ones may not be.

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On 4/18/2017 at 6:28 PM, the guest said:

If the government was smart, it would make it compulsory for all foreigners to have full insurance before a visa would be granted. It solves a lot of problems.

So if you can't get insurance, you can't enter? Self insure? 

 

The problem is in fact so small, they charge enough to soak up this very minor amount. 

 

The bill they would like paid, has no relevance to the loss. The mark up is very high.

 

Maybe they should publish the total money taken per year (including cash payments) against what they lost (the cost of treatment) I doubt it is 1%.

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2 minutes ago, chrissables said:

So if you can't get insurance, you can't enter? Self insure? 

 

The problem is in fact so small, they charge enough to soak up this very minor amount. 

 

The bill they would like paid, has no relevance to the loss. The mark up is very high.

 

Maybe they should publish the total money taken per year (including cash payments) against what they lost (the cost of treatment) I doubt it is 1%.

There is no mark up in government hospitals per se and that is what's being discussed in the OP, they operate on a cost recovery basis.

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18 minutes ago, simoh1490 said:

There is no mark up in government hospitals per se and that is what's being discussed in the OP, they operate on a cost recovery basis.

I must disagree, the government hospital in Pattaya (Soi Buakhao) charges are way to high to not be profit making. 

As an example, every month a friend was paying 1700 baht for blood pressure pills. In the chemist i bought exactly the same for 300 baht.

As a hospital that medicine would cost half i would think, the rest of the fee was to weigh, take blood pressure and profit.

I paid for medical certificate for a driving licence, a pathetic test. The doctor did not even examine me. It was just a little more at an international hospital with real tests and a doctor consultation.

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On 4/19/2017 at 5:52 AM, geriatrickid said:

Do  the math,  it's a higher number. Let's just  deal with the 4.3 million baht from last year.

The money had to come from somewhere and it was the general operating budget. The deadbeat patients inflict harm on others and are a threat to public safety.

 

Vachira Phuket Hospital is a 503 bed general hospital  providing medical care to those Thais who are unable to afford the higher end pay private hospitals. Vachira already operates on a  shoestring budget  struggling to serve a growing population with diverse and complex needs. The patients are typically the poor, and economically marginalized. They are the elderly, the low paid workers and anyone else who has limited financial means.  When  deadbeat patients fail to pay, the money has to come from somewhere and that means vulnerable sick Thais. Some poor kid is denied a non critical surgery, or an  old granny's thyroid cancer goes undiagnosed because she can't access the necessary tests.

 

The hospital has shortages of specialized  physicians and other technical specialists because the hospital cannot pay their salaries. The hospital cannot use  some tests and modern equipment to treat some patients because it does not have the funds to  pay for it. This is what happens when people do not pay their bills.

 

Where did you come up with 3 million? Try a number of legal foreign residents at less than 500,000. There may be many more, but those are illegal undocumented people like  Myanmar and Cambodian quasi slave labour.  Of the legal residents, a majority still avail themselves of their homeland's health services.

 

You are wrong when you state that people over the age of 70 who have pre-existing conditions are unable to buy health insurance in Thailand. it is available, but these people  do not accept the premium, nor the conditions of coverage.  One can obtain coverage if one   isn't greedy and and uses common sense. The way to do this is;

1. Consider the use of a large deductible or retention.

2. Accept the fact that  no insurer is going to cover  cancer if one is undergoing treatment or had a cancer in remission. Don't expect an insurer to cover a heart attack in someone who has had one already.

3. Understand that an insurance policy is a risk transfer contract where one party purchases the risk of the other for a price. If the  person trying to offload the risk thinks the insurer is charging too much, then fine, the person can keep his risk.

 

Uninsured western patients in Thailand have typically been people who should not have been in Thailand, or who have lived a hand to mouth existence..  If you want to live in a country like Thailand, you need to be able to accept the costs that go along with it. If you cannot, go home and live in a sheltered society.

 

 

 

2. Accept the fact that  no insurer is going to cover  cancer if one is undergoing treatment or had a cancer in remission. Don't expect an insurer to cover a heart attack in someone who has had one already.

 

You are wrong when you state that people over the age of 70 who have pre-existing conditions are unable to buy health insurance in Thailand. it is available, but these people  do not accept the premium, nor the conditions of coverage.  One can obtain coverage if one   isn't greedy and and uses common sense. The way to do this is;

 

Which comment do we take as correct? You can't state insurance is available and then can't and remain credible.

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