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When I wrote about my cost of living in Bangkok a few weeks back, the most common question I received by e-mail was what health insurance I’m using. If that’s all you want to know – that’s easy. The company is called ACS. If you never heard of them, don’t worry, neither had I until 3 days before signing up with them.
However, those recommendations don’t stay up to date for long. My insurance prior to ACS was a French insurance that shall remain unnamed. They were pretty awesome … until they weren’t: One day – and to be more specific: one day two weeks before the renewal came up – they messaged me that they’d increase premiums by 30%. Effective immediately. I was seriously tempted to type up a reply that included colloquial terms for body parts for which I no longer required their coverage.
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Given that I’m borderline obsessive compulsive about insurance coverage, it can probably be counted as an achievement that I ‘only’ spent 3 full days researching, analysing and comparing different insurance plans. Saving myself (and you) some time for the next time an insurance pulls a stunt like this, I’ve typed up a quick guide on the crucial points of health insurance in Thailand.
I do hope this article answers most of your questions, though if there any open points, feel free to send me an e-mail and I’ll do my best to help you out.
- 1 Before You Come
- 2 Insurance Options
- 3 Coverage
- 4 Optional Coverage Choices
- 5 Paperwork
- 6 Comparison Websites
- 7 Brokers
- 8 My Own Insurance Plan
- 9 Going Without Insurance
- 10 Disclaimer
- 11 Your Thoughts?
Before You Come
When I first came to Thailand, I experienced what it’s like to have a German long-term travel insurance that covered everything under the (tropical) sun, without an upper limit and barely any exclusions or restrictions on pre-existing conditions. The cost? €55.35 a month (฿2,238.75). The reason I’m not with them anymore? It’s limited to your first 3 years abroad. A lot of similar plans are on offer by other insurance companies across Europe , covering you for the first 5 years of your stay.
A Swedish friend of mine was involved in a very severe accident. His insurance chartered a Bangkok Airways plane to fly him from Koh Samui to a hospital in Bangkok that was capable of treating him. Unfortunately it’s only available to Swedes.
In my experience, insurance offers that are based on your residency still being in your home country at the time of application are the best deal for younger expats. The downside is that if you don’t get them before you officially move to Thailand, it’s impossible to get them. Sometimes, as in the case mentioned above, they are also limited to certain nationalities.
Your local insurance broker can give you some pointers. In Germany I used a Lufthansa-owned brokerage firm called Albatros (airlines aren’t the most creative when it comes to naming subsidiaries…). It used to be an ‘intracompany’ insurance agent for its own staff, but have since started offering their services to non-Lufthansa employees as well. Germans can also check out this listing of temporary travel health insurance which lists a number of additional options.
While the majority of this article will deal with local and offshore insurance options, I also want to introduce two other low-cost options available to temporary and permanent visitors. You might find that those are sufficient or at least warrant a lighter coverage when selecting additional insurance coverage.
Travel and Temporary Insurance
As mentioned above there are insurance companies that offer limited time coverage – anything from a few weeks to 5 years – that is available for people applying from their home countries. Unfortunately those offers have an upper age limit. In addition, those companies don’t have to deal with expensive long-term care cases. As a consequence, their pricing is a lot more attractive than for more permanent solutions. They know that in case of any severe or long-term case they could repatriate you and hand you off to the social security system in your (European) home country.
You can always start off with a ‘temporary’ insurance that covers repatriation and switch to a more permanent one once it runs out. This can make sense even if you plan to stay long-term as probably you might reconsider that in case of a severe medical issue.
The best way to find a suitable insurance in this category is to ask a local broker in your home country or to search Google in your native language.
If you work legally in Thailand, you’re usually covered by social security. The payment for which gets deducted directly from your salary by your employer (5% of your gross salary, but not more than ฿750 per month). The social security system assigns you a hospital (you can state a preference) at which you’re then eligible to receive treatment and medicine free of charge.
My own social security hospital used to be Camillian Hospital in Thong Lor – it was known as one of the best social security options for expats, due to the availability of English-speaking doctors and the short waiting times. Unfortunately Camillian hospital has announced that it will cease their participation in the social security system. As an alternative I was provided with a list of available hospitals, out of which I was allowed to pick my top 3 choices. One of them included the Police General Hospital (Thai). Located on Rama 1, opposite Central World, it’s a very easy to reach option. A friend of mine had a surgery for a meniscus tear done there at his own cost (~฿27,000). He was satisfied with how it was handled, but pointed out they don’t speak a whole lot of English.
Picking the right hospital is the most important part about social security. Out of 35 hospitals that accept new social security patients as of September 2015, I’ve compiled a list of my top 3 choices. These Bangkok hospitals were recommended for their quality of care by several of my friends (some of which work in the medical field). Please note that I’m not a medical professional and all comments are just the personal impressions that friends shared with me (a.k.a. provided without any guarantees):
|Lerdsin||Silom||crowded, good for orthopaedics (sports injuries)|
|General Police||Rama 1||one of the largest, lots of specialists on staff|
|Yanhee||Charan Sanitwong||social security allows you to use all their branches|
In practice, social security means free treatment with the cost coming in the form of long queues, limited medication (some patented, more recent drugs might not be available) and rushed doctor visits: It’s common for doctors at social security hospitals to see between 80 and 100 patients during an 8 hour shift.
The quality of care varies a lot: The top government hospitals in Bangkok like Chulalongkorn and Siriraj seem to provide great quality care (and are thus due to their popularity rarely available for choosing). People tend to avoid some the smaller clinics that are run for profit (not all social security hospitals are government operated). While they might be more conveniently located or have shorter wait times, things might get hairy if you end up requiring more expensive (read: unprofitable) treatment.
Another big reason to pick a large hospital is that in case of more severe cases, a smaller hospital has to officially refer you to a larger hospital before you can use their service. That referral process can be extremely cumbersome, making it much better to be with a large hospital (e.g. Lerdsin, General Police) to begin with.
Local insurance is the most common type of private insurance you’ll encounter in Thailand. They are what’s being offered by agents and brokers, and what you see advertised in local media. Coverage is often very limited in terms of amount covered (when compared with other countries), age they cover you (meaning quite a few will kick you out at 75) and exclusions (don’t be in a motorcycle accident).
My main reason for health insurance is that I want to safeguard against extremely expensive cases. For anything else, I’d be okay with just paying for it in cash. If you’re looking for that kind of coverage level, the prices at local agents seem to be higher than what I paid for when I was in Germany (admittedly, I’m also a bit older now …).
What does speak for local insurers though is that medical cost at most but the most luxurious hospitals are well within the coverage limits of the plans commonly sold to expats. Those are also price-wise a lot more competitive.
Another big upside of local insurance is that hospitals are used to dealing with them – you have a card that you can show on registration, and the insurance takes care of the rest. They require the least amount of paperwork compared to other insurance soltuions – as long as you go to a hospital with which the local insurance has direct billing set up.
One of the most well-known insurance companies in the local market is BUPA. It’s a widely-accepted insurance that I use for all my staff (a basic group plan). They seem to be quite happy with the coverage they receive through it. From what I gather, the major benefit for them is that they can pick which hospital they want to go and the queues for private insurance are significantly shorter than for social security patients.
Other major players in the local insurance market include AXA, AIA, Aetna, MSH, and PacificCross. In addition I recently also heard about TMB bank offering health insurance (though I’m not sure if that’s in fact one of the other insurers offering their coverage through them).
At the time of writing, the easiest way to compare and apply for local insurance offers is Mister Prakan. The site provides an English-language interface to view health insurance plans from different companies in Thailand side by side. Alternatively you can also ask a local broker for selected offers though they tend to usually specialize in two or three specific companies.
A number of insurance brokers across the region provide offshore insurance coverage. Local brokers complain that those offers aren’t licensed to be sold in Thailand. The offshore brokers usually only provide services to expats and tend to keep a lower profile. I’m no lawyer, but I assume that means that in case of a dispute with the insurance company, you might not be able to pursue your claim in Thailand and have to take it to their jurisdiction in Hong Kong or France for example.
As far as I know, claims with local insurances can be disputed with the office of insurance commission and without involving a lawyer. This provides a realistic chance of disputing a claim, but also some kind of oversight. With international insurance offers, that’s a lot harder: They know that few people will have the funds and the will to fight a legal case in a foreign jurisdiction.
So why bother with offshore insurance? The main advantage is much higher coverage limits, allowing you to get treatment at top tier hospitals without ever worrying about maxing out your plan. They also tend to be more likely to guarantee renewal of your insurance without age limitations.
My own insurance (ACS) falls in this category.
Some standard exclusions you’ll find in every insurance plan – depression, alcoholism, self-inflicted injuries, car or motorcycle races, active participation in acts of war or terrorism (so if you ever get hit by a drone strike, you might not be able to file a claim). However, a number of important exclusions vary from insurer to insurer and it makes sense to take a good look at the fine print. Here’s what to watch out for:
- Motorcycles: Some plans don’t cover anything motorcycle-related. Not good. Being in Thailand you’re pretty likely to be on a motorcycle at some point of your life. Others are more sensitive and only exclude cover if you are driving without a license. It’s a good idea to pay attention to the details of this paragraph.
- Alcohol: While Alcoholism is excluded under all plans, there are also selective exclusions for acts committed under the influence of alcohol. The specifics of the phrasing here decide if that means ‘drunken bar fights’ or whether ‘no coverage for anything whatsoever as long as there is any traceable amount of alcohol in your blood’.
- Sports: If you take part in any form of competition or what could be considered to be a dangerous sport, you might want to check the exclusions regarding sporting activities. Some insurance companies exclude specific sports, others are more broader in their description. If you are at a serious risk of a sports injury, you probably want to get something specific from them to see if you’re going to be covered or not.
- Sexually Transmitted Diseases: Some insurers exclude coverage of any STD. Others exclude it, unless you were not at fault (e.g. due to a blood transfusion) – but the burden of proof may be on you.
- Disasters: Every insurance company excludes active participation in war and criminal activities. In a few cases though, there’s even a clause that excludes victims of natural and man-made disasters. Given recent bombings in Thailand, you might want to make sure this isn’t the case in your plan.
There are additional conditions that can seriously affect the viability of your insurance cover:
- Cancelation or non-extension: Are insurers able to cancel the policy or refuse to extend it? Because if you ever submit a major claim that’s likely to happen again (or is still an issue when the renewal date comes around), you might find out the hard way.
- Travel: Are you covered when traveling to your home country and other destinations? If so, for how long? Not a big deal really, since travel insurance can be had for cheap: As long as you don’t forget signing up for it every time you go abroad.
- Chronic Diseases: Not a limitation you see very often. Most of the time, insurance companies exclude previously existing conditions, but anything new is covered in full. A few exceptions limit coverage of chronic diseases. That’s something I would be worried about. Especially in the case of OPD coverage, some of the really expensive claims are chronic diseases (diabetes, kidney diseases…)
- Medical Evacuation: Some insurance companies offer this as an optional benefit. It’s especially useful if your coverage limit is on the low end. This way, in case of something severe, you can get flown home (assuming your home country offers a social security program that’ll get you treated there at no cost). If your limit is very high, I imagine the insurance might even offer it themselves (regardless if you selected it or not) – because flying you home might be cheaper for them than paying for an extended stay at a top tier hospital. But don’t count on it.
This isn’t a complete list of course. Nora from ‘The Professional Hobo’ published a nice wrap-up on expat insurance a while back that still includes a lot of up to date information on conditions as well as a nice glossary and what the different terms mean.
If in doubt, I recommend sending an e-mail in advance, listing out what you are concerned about and see if you can get some statement from your broker or insurance company that clarifies the issue. I’m not a lawyer or insurance expert and this isn’t legal advice, but I assume this should improve your position if it ever comes to a dispute.
If you’re new in Thailand it’s a tough call to decide what amount of coverage is enough. An insurance broker offering local insurance told me he never heard of a case where the person exceeded their total amount covered (though given the source, you might want to take that with a grain of salt).
Aside from overall limits, insurance companies specify limits for specific procedures. I’m not entirely sure at the reasoning for this: It might be an attempt to limit artificial cost inflation by hospitals for especially expensive treatments.
- Organ Transplants: Some insurances have limits on donor costs in the case of organ transplants (e.g. Now Health International’s WorldCare Excel plan limits them to $50,000). I assume if a liver is too expensive, they’ll pass and wait for a cheaper one to become available? Most of them are about expenses for the donor. I assume they want to avoid the hospital pulling a fast one on them by invoicing them for previously occurred ICU expenses by the late donor. In some cases (like ACS) they refuse to pay for any donor expenses whatsoever.
- HIV: A big topic in South East Asia. Lots of insurance companies exclude it if sexually transferred, some even exclude it outright. Those that don’t, often put a limit on the maximum expenses you can claim with it (e.g. $40,000 by MSH International’s Asia Care Optimum plan). From what I gather, HIV treatment in Thailand isn’t too expensive as medication gets produced locally. However, it might mean that future, more expensive treatments might not be covered.
- Pregnancy: Not something I looked much into for obvious reasons, but to my knowledge maternity is an optional add-on, often with specific coverage limits and nearly always with a waiting period before coverage (usually 10 months). You can check out this post on giving birth in Thailand for further details as well as the costs involved.
Coming from Germany, the fact that an insurance would have a maximum amount they pay, was something entirely new to me. In Germany, most insurance companies have a certain co-pay requirement (usually for dental work) and that’s it. Doesn’t matter if you lie in a coma for 10 years. What are they gonna do – kick you out of the hospital? That can happen in Thailand.
So what limit should you choose? Bumrungrad Hospital – which is probably the most expensive choice in Thailand – offers some data on their cost of surgery. Few procedures seem to cost more than ฿500,000. However, the real heavy hitters for hospital costs are less the specific surgeries, than potential long-term stays and treatment in the ICU due to accident or illness. In order to give you at least a rough guideline: The single most expensive case I’ve heard of involved heart surgery with a total hospital stay of nearly 6 months. The cost for that came to ฿12 million.
According to the data I’ve seen, top tier hospitals will cost you in the range of ฿1 million to ฿2 million per month for very severe cases. No broker I talked to knew of anyone who incurred more than $500,000 in expenses. If I were to sign up for new insurance, that’s probably the maximum in coverage I would pick.
The general guideline for maximum age is that if you sign up before the age of 60, you can still find health insurance with lifetime coverage.
Once you turn 65, it’s hard to impossible to obtain comprehensive health insurance, the one exception being accident insurance. One reason for the de-facto age limit is that on average people accumulate 80% of their health care expenses in the last 5 years of their lives. Few private insurance companies are thus willing to accept new members beyond the age of 65.
Of course acceptance is just one part of it – the other is the premium: Above the age of 60 any form of insurance coverage won’t come cheap. Insurance plans in Thailand don’t subsidize older age brackets with premiums from younger members. This means coverage at an advanced age comes at a much higher markup than you might be used to from back home.
As mentioned under conditions already, it’s important that your insurance can’t cancel your coverage and that they can’t refuse to renew your coverage. You also want to watch out for any specified maximum age: Lots of companies specify an age at which coverage automatically ends. That’s something you especially see with lower cost, local insurance plans. It might not matter if you’re 33, but at 55 this is something you really need to take into account. Of course that doesn’t protect you from increasing premiums, but that may still be a lot cheaper than suddenly finding yourself without coverage after falling seriously ill.
If you’re looking for more details on health insurance for ages 60 up, Don’s website has some great pointers.
The premium is usually the most transparent part of the policy. It’s the fine print that’s trickier to understand. But even with this straight-forward number, there are a few things to keep in mind:
- Payment terms: A lot of insurers (especially offshore ones) have a hefty surcharge for monthly instead of yearly payments. Since your contract runs the full year anyway, you might as well pay in full.
- Inflation: Medical inflation in Thailand is very high. Premiums increasing by ~10% per year isn’t unheard of. You might want to get information on the last few price hikes: Does this insurer increase their premiums massively every year? Has there not been an increase in years, making a big one more likely to come next year?
- Deductibles: Your premiums will be a lot lower if you agree to pay for the first thousand or two thousand dollars of treatment expenses each year yourself. In practice, that means you won’t be able to claim anything but the most severe cases. Make sure to keep all receipts (and file them within their deadlines). A lot of people forget about that because they don’t expect to be occurring expenses beyond their deductible anyway (until they do…). An easier, more hassle-free option with a similar results and less paperwork would be to just leave out OPD coverage.
Optional Coverage Choices
I’ve logged my own OPD expenses for the years 2011 to 2014. While not necessarily representative, it gives you an idea of the cost of OPD treatment at top tier international hospitals in Bangkok for a guy in his 30s. Nearly all treatments took place at Bumrungrad, with the remaining few occurring at Samitivej Sukhumvit.
|Year||Visits||Average Cost per Visit||Total Cost|
Keep in mind, that during those years I didn’t have anything major(e.g. MRIs) done. The most expensive single procedure was a food allergy test at Bumrungrad, which, including doctor and facility fees, came to ฿4,475. During that time ฿3,407 (or 4.8%) out of the total ฿71,349.34 were declined by my insurer due to them being ‘pre-existing conditions’.
Most people I know skip the OPD coverage by insurance companies.
Main reason being that treatments aren’t that expensive here. Seeing a doctor usually costs anywhere between ฿300 and ฿1,800, depending on the fanciness of the hospital and (to a lesser degree) on their chosen medical field. Medication is usually sold with the treatment at a mark-up in the hospital itself. Mark-ups range from two to ten times the cost in a pharmacy. Total cost for medication when received inside the hospital is often in a similar range as the actual doctor’s fee.
As you can see from the above data, my own expenses are at the higher end of that spectrum. Going to cheaper hospitals, that (unlike Bumrungrad) don’t have free juice and a hotel lobby style waiting room, would lower your OPD expenses significantly.
A close second in why you might not want to bother with OPD insurance is the paperwork: A lot of people dread having to fill out forms, mail claims and dispute rejections. It’s especially frustrating to do that for a minor claim, and then have it subsequently denied. You’re often better off paying straight out of your own pocket.
Last but not least, the overall limit: Most OPD insurances are limited to a few thousand dollars per year (my own OPD insurance is capped at ฿217,311). In most cases, the math doesn’t make sense: What you pay for insurance coverage far exceeds the amounts you are likely to claim.
Things might look different if you’re looking at expensive long-term OPD treatments like diabetes-related treatments or kidney failure. You should also be aware of some insurance companies classifying certain procedures as OPD – even though in fact you might be admitted for a day or two. This way they can refuse a claim unless you did actually opt for OPD coverage.
In the end, I opted for it because I feel the amount I overpay is worth the fact that I’ll never put off a hospital visit due to cost. Call it a psychological effect.
Coverage for dental expenses varies a bit. Some insurance companies require a co-pay or only cover one routine check per year. In my experience though, they’ve always covered dental expenses 100% for the minor claims I filed.
From 2011 to 2014, the cost of my dental treatments was on average 1,883.33 THB per year (all paid in full by insurance). The treatments received were fairly standard: Checkups and cleanings twice a year with the occasional filling.
All work was done at the Bangkok International Dental Center (BIDC). It’s not the cheapest place out there (about 25% more expensive than a high quality, independent dentist). Main reason I go to them is that they are right opposite my office. Bangkok has an abundance of both dentists and traffic jams, so location becomes a major factor. Also, BIDC dentists don’t seem to drill very often. It’s either that, or my dental hygiene improved around the same time I switched to them.
Being the overly cautious German that I am, I use my annual Christmas vacations back home to get a second opinion from my village dentist on all work done in Thailand. I pay him in fruit and bakery baskets and he’s absolutely awesome. So far he didn’t have any objections, so I guess the standard of care measures up.
Most insurance options I saw in Thailand include dental work. Considering the costs of treatment it’s not something I would worry about too much though. While international hospitals with English-speaking doctors and little wait time charge a significant premium, their dental counterparts are still a bargain.
Applying for insurance itself is very similar in Thailand to anywhere else. They’ll ask you questions about your past health and illnesses and if you lie about it, it might void your cover. Each insurance has their own survey.
One thing to keep in mind, is that some companies ask if other companies rejected you. If you think you are at a risk of getting rejected by some companies, apply for all of them at the same time. This way you don’t have any ‘rejections’ at the time of application.
In some cases, insurance companies require prior authorization for treatment. This is quite standard for any non-emergency admittance to a hospital. Some also require it for more expensive OPD treatments (e.g. MRIs). That tends to result in a bit of a back and forth between hospital and insurance and in you waiting a day or two until the insurance comes through. I never heard of it being refused, but I assume it does happen (otherwise, why have it?).
In some very odd cases, I even saw fine print requiring prior authorization in case of an organ transplant (the Southeast Asia Serene Plus plan by A Plus II for example). That’s a bit weird in my opinion. Is there really a danger of people getting unnecessary organ transplants?
Denial of Claims
What good is insurance cover if your claim gets denied? My current insurance company has so far declined two claims. Nothing major, but just something they considered pre-existing. However, pre-existing is not only any illness you have at the time of signing up, it’s also anything you had that’s considered ‘recurring’. In my case for example, a minor claim of THB 635.00 for ‘dishydrosis’ was denied. That wasn’t entirely surprising since it’s considered a chronic condition. The fact that they even bother checking for that amount though surprised me.
It’s very hard to get good data on how often or how likely an insurance denies a claim. I’m currently trying to get some data from hospitals – after all, they would have data on insurance denying claims for in-patient treatments. If you happen to have some and would like to share, please contact me.
The main advantage of using a comparison website is that you can search offers yourself easily with filters and searches, rather than having to compare sales brochures and broker-provided Excel sheets. In addition you can fill out medical questionnaires and apply online for plans directly.
For the Thai market, Mister Prakan offers the most comprehensive comparison of health insurance plans. The website seems to cover all major companies on site, sorts them by price, allows you to filter them by desired coverage level, provides details about coverage limitations and displays editorial ratings of each company.
In case you’d like to look into offshore insurance plans, you can give BrokerFish a try. It offers comparisons, search and filters for a range of international insurance plans. Unfortunately though they are missing some of the more competitive offshore plans and do not have any information about plans sold within Thailand which sometimes offer better coverage.
In general you shouldn’t have any trouble finding a brokerage firm in Thailand. Insurance brokers receive something in the order of 10-15% of your yearly premium as a commission. Given the level of compensation, you shouldn’t hesitate to ask them hard-hitting questions and require them to provide information and guarantees in writing.
The rates you receive when going through a broker is the same as when you go the insurance directly. Since their commissions are recurring, they usually want to keep you around, so signing up through one of them means you have one more person you can pester with questions or complaints in the future (especially if something goes wrong).
This can be especially helpful when going with an offshore insurance – they might be outside your jurisdiction, but your local broker certainly isn’t. In case of a dispute or a legal confrontation over a claim, this might give you slightly better cards and more leverage than if you signed up directly at the insurance.
In case you’d like to receive a list of brokers, you can send me an e-mail and I can share the details of firms I’ve used in the past and which I feel comfortable recommending.
My Own Insurance Plan
As mentioned before, I’m insured with ACS. I’ve listed out the specific factors that lead to my decision below. Please note that conditions are as of the time of signing up (unless stated otherwise) and are based on my personal notes:
- HIV/AIDS: Included
- Medical Evacuation: Included
- OPD: Included (limit: $6,000)
- Dental: Included (90% coverage, limit: $1,000)
- Exclusions: Numerous common exclusions, donor expenses in case of organ transplants
- Overall Limit: $1,000,000
- Premium (for 2015): $2,251.00 / year (for a 32 year old male)
The bullet point list is based on my own understanding of their insurance plan and lists out selective attributes according to my own priorities. It’s not meant to be an ‘official’ or a comprehensive list.
Overall I’d rate my satisfaction with their service as ‘okay’. Could be better, could be worse. There were no deal-killers and it seemed to provide the best value for money for the coverage I desired.
Going Without Insurance
Some people prefer no insurance at all. According to a broker I’ve talked to, the price for health insurance in Thailand is driven up by expats picking the most expensive hospitals and following a not too healthy lifestyle. If you speak Thai, go to local hospitals and live a healthy life, skipping health insurance altogether might work out for you. In case you decide to forego insurance, that’s not the end of the world in Thailand. You can keep your medical costs low while still receiving good coverage. Here are some suggestions:
- Google your doctors: Many doctors at top end hospitals were trained at government hospitals and still have a contractual obligation to work there. If you find a specialist at a top tier hospital, you can google them and check where else they work (you might have to look up the Thai spelling of their name). This even works for surgeries. Equipment will be a bit older at their government location, but costs can be a fraction of what you would pay otherwise.
- Find good value hospitals: The social security system above lists a number of good hospitals that provide great value for money. You can go to any of them and just pay in cash. Waiting times will be shorter than with social security. In addition to the hospitals listed above, Veterans General Hospital and Rajavithi Hospital (especially for Ear-Nose-Throat issues) have also been positively mentioned by friends. Make sure you compare prices though – the ‘private’ department of some government hospitals can get quite pricey as well.
- Carry credit cards: Even though required by law, some hospitals refuse emergency care if they believe you won’t be able to pay. Proving otherwise can be difficult if you’re unconscious. This is the reason why I never leave the house without some sort of ID and a credit card. I’m not sure if that will help, but I assume it improves my chances.
- Stay Put: If you ever get admitted to the emergency department of a government hospital: Don’t leave the building until you’re completely recovered if you don’t have the necessary funds on you. Even though hospitals are required to take in emergency cases (and more reputable ones will do that regardless if you are able to pay or not), once you leave the building, their obligation ends and they can and will discharge you. I saw that happen with a guy involved in a motorcycle accident. Not a good situation to be in.
- Get prescriptions: Don’t buy medication from the hospital. You can always tell the doctor you’ll need a prescription for traveling abroad and then use that to buy it from an external pharmacy. They are not happy about it, but it’ll cut your medication costs by 50% to 90%.
- Stay healthy: You can also reduce medical costs is by reducing the need for medical treatments. Aside from common sense things traffic safety, having the right vaccinations, and not missing out on regular checkups, it pays to be aware of local health hazards. Reading up on health issues in Thailand (especially in the countryside) is a good way to get started.
However, what happens if you run out of cash? In practice the hospital might keep you there, won’t allow you to be transferred out, and bill you for that time on top – until you paid whatever you owe them. You can check newspaper reports and interviews that detail cases like this.
Unfortunately, things can go even worse: The half-brother of a friend of mine is said to have died because the hospital refused to provide emergency treatment until ‘funding was secured’.
In the end, even if you yourself don’t consider it worthwhile to get insurance, keep in mind that it might be your relatives footing the bill if things go seriously wrong.
Please note that I did my very best to research and fact check all information provided in this article. However, mistakes and misunderstandings happen and I can’t offer any guarantees for the provided details. I’m also no lawyer, doctor, insurance broker, or professional proofreader – so don’t take any of this as provided by one. I’m not endorsing any of the listed insurance companies, brokers, or hospitals. Most of the plans mentioned in this article you can find by googling for it. I’m not advertising, referring, endorsing, or selling any of them specifically. Please do check with a professional provider for your own, personal situation before making any decision.
How about yourself? What insurance option did you pick? Got any insights yourself on health care in Thailand? Please let me know in the comments!