Health insurance.

[Dog4me]

Dear members...

Any one can suggest good health insurance ?

[Big Boy]

These guys have been excellent for us viewtopic.php?f=9&t=15249

[theprice01]

I decided to go with Bupa. ....of course no-one knows how good there insurance company is until it comes to claiming

[PeteC]

Isn't BUPA the only one the hospitals here will invoice directly? Meaning, that with others you pay the hospital first and then claim from your insurance carrier yourself. Pete

[Big Boy]

I decided to go with Bupa. ....of course no-one knows how good there insurance company is until it comes to claiming

We're with AA, the guys I recommended. We didn't have any trouble with the insurance company, but the hospital were holding us until we'd pay by credit card, even though we'd already received all the necessary assurances from hospital and insurance company that things would be sorted directly between them.

A quick phone call to Matt (one of the AA guys) and he sorted us, and we were allowed home. This phone call was at 8pm on a Sunday (not exactly office hours). That is the type of support I like.

[Lung Per]

I decided to go with Bupa. ....of course no-one knows how good there insurance company is until it comes to claiming

We're with AA, the guys I recommended. We didn't have any trouble with the insurance company, but the hospital were holding us until we'd pay by credit card, even though we'd already received all the necessary assurances from hospital and insurance company that things would be sorted directly between them.

A quick phone call to Matt (one of the AA guys) and he sorted us, and we were allowed home. This phone call was at 8pm on a Sunday (not exactly office hours). That is the type of support I like.

Which hospital was that?

[Big Boy]

I don't think I need to name and shame other than to say the hospital was in Hua Hin. They kept a nurse with my son until the matter had been resolved to make sure that he didn't escape. We had been warned by Matt that this might happen, which was why we made sure everything was in order between the hospital and the insurance the previous day.

[theprice01]

thats right pete, bupa uses 2 hospitals in hua-hin that invoice directly, you can use other hospitals but you will have to pay first

[BOZ]

+1 on Matt and AA insurance company... These guys are the real deal and know how to take care of you regardless of you desire for coverage or financial restraints... Give them a call and discuss your needs....

[Pleng]

thats right pete, bupa uses 2 hospitals in hua-hin that invoice directly, you can use other hospitals but you will have to pay first

Which hospitals?

[mat]

Thailand based insurance companies (like Bupa Thailand, LMG, Thai Health, AXA Thailand etc.) in general work with contracted hospitals in Thailand. That they have contracts with hospitals does not mean that the hospital don't have to contact the insurance company before they start i.e. an operation or admit you to the hospital.
They will still have to inform the insurance company and ask for a Guarantee of Payment (GOP).
If you go to a not contracted hospital you will have to pay and claim back later.

The international Insurance Companies (like April, ACS, BDAE, Cigna, Bupa International etc.) usually offer you total freedom in your hospital choice and in general they pay the hospital directly (after the GOP process) when it gets more expensive (i.e. more than 24 hours hospitalization). So it works the same as with most Thai companies.

In all cases keep the limits of your coverage in mind in case you go to an expensive hospital. Many Thai Health Insurance plans have limits that are too low so you will find yourself paying a part of the bill also.

[Henry 14th]

I am due to go under the knife for an operation on my back. I am in my mid-thirties and currently do not have insurance.

Is is possible to take out some health insurance and then get the insurance company to foot the bill over here?

It probably doesn't work that way but then again maybe it does, worth asking I suppose.

Thanks.


Sent from my iPhone using Tapatalk

[Dannie Boy]

I am due to go under the knife for an operation on my back. I am in my mid-thirties and currently do not have insurance.

Is is possible to take out some health insurance and then get the insurance company to foot the bill over here?

It probably doesn't work that way but then again maybe it does, worth asking I suppose.

Thanks.


Sent from my iPhone using Tapatalk

I think for obvious reasons, most insurers have clauses that require you to declare existing medical conditions which are then excluded from the cover.

[dalmatiandave]

I am due to go under the knife for an operation on my back. I am in my mid-thirties and currently do not have insurance.

Is is possible to take out some health insurance and then get the insurance company to foot the bill over here?

It probably doesn't work that way but then again maybe it does, worth asking I suppose.

Thanks.


Sent from my iPhone using Tapatalk

I think for obvious reasons, most insurers have clauses that require you to declare existing medical conditions which are then excluded from the cover.

Yes common sense really. Health insurance companies are not charities.

Sent from my GT-I9500 using Tapatalk

[dozer]

Thailand based insurance companies (like Bupa Thailand, LMG, Thai Health, AXA Thailand etc.) in general work with contracted hospitals in Thailand. That they have contracts with hospitals does not mean that the hospital don't have to contact the insurance company before they start i.e. an operation or admit you to the hospital.
They will still have to inform the insurance company and ask for a Guarantee of Payment (GOP).
If you go to a not contracted hospital you will have to pay and claim back later.

The international Insurance Companies (like April, ACS, BDAE, Cigna, Bupa International etc.) usually offer you total freedom in your hospital choice and in general they pay the hospital directly (after the GOP process) when it gets more expensive (i.e. more than 24 hours hospitalization). So it works the same as with most Thai companies.

In all cases keep the limits of your coverage in mind in case you go to an expensive hospital. Many Thai Health Insurance plans have limits that are too low so you will find yourself paying a part of the bill also.

Cigna covers my family and me and they have been very good. My youngest son had minor surgery in Hua Hin the Cigna rep visited with a bag of goodies for him and on the day of discharge was there to take care of all the formalities.