dtaai-maai wrote:
Do most expats here not have health insurance, then? Or is it a question of only being covered above a certain amount, say, 5k baht?
Dr Mike wrote:
I give a lecture about Health Insurance and have a problem about getting it inot an hour.
There are hundreds of variations--first baht coverage--first 10K deductables---top limits--daily limits--diagnosis limits--geographical liimits--some pay in-patient but not out patient--some pay for drugs, some dont, some pay for rehab, some dont, some pay for repatriation most dont, some pay for psychiatry, some dont etc etc etc
The biggest problem is pre-existing conditions that were NOT declared when taking out the insurance--you havea heart attack now and you had an episode of chest pain in 1999 and did not tell, then they may try to weasel out of the claim.
No, I do not have health insurance and that is a major problem at 60+ years old with three chronic (20 year) health problems.
Dr Mike pegged it in his last paragraph. I looked into it and none would cover pre-existing conditions, so if I want accident insurance, I'd be fine... nearly every other system or organ in my body is associated with a pre-existing condition so that would rule out coverage for almost everything.
- pre cancerous moles removed ... cancer ruled out
- high blood pressure and high cholesterol (controlled by medications) ... rules out the cardio vascular system
- asthma ... rules out the lungs
- over 60 ... rules out 80% of the insurance companies
I'd pretty much have to be shot, stabbed, or run over by a bus to be covered by any insurance I can get here.
