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  1. #1
    Forum Regular สมาชิกประจำ Ivan's Avatar
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    Default Thailand Expat/Annual Health Insurance costs

    Looking at buying medical insurance, annual policy for long stay. Can any members share the experiences. I have some underlying conditions which would possible be excluded including diabetes II and a damaged liver otherwise fit and well.

  2. #2
    Forum Regular สมาชิกประจำ
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    I have basic health insurance with Alliance Ayudhya. It covers some/most costs for inpatient care if required it does not cover outpatient cost. For the family wife and kid with accident cover and a small life insurance policy for each of us it works out about 60,000bht a year. There are more comprehensive policies and of course they cost more. This is more of a hopefully it will cover things or at least most of it if needed policy. I did have need for this policy when having stomach issues. I did not stay in the hospital but Bangkok Pattaya hospital told me to put a claim in as they consider it inpatient and my company paid almost all. Then six months later another follow up scan was paid in full by the company. Bangkok Pattaya have a dept. for insurance and said that this company is one of the better ones. Maybe a good idea to speak with them as they will know the companies trying to duck out of paying anything. My friends ins. comp. did not pay up when he had an accident. Your insurance is only a good policy if they payout when needed. Also used the accident insurance a few times no problems with that but there is a 50,000bht limit but again you could buy an add on policy if required. You need to do a lot of shopping around.

  3. #3
    Guest Flip's Avatar
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    Ivan, please let me know if you get anywhere with your enquiries - I looked at it a while ago (with several companies) and the price went up astronomically when I revealed my existing condition, which of course they excluded. I can understand and fully accept them excluding pre-existing conditions but I really don't understand why having cancer should make me more at risk of getting any other illness. I think its grossly unfair and totally wrong.

    God knows how I'll deall with it if the Thai authorities make health insurance a visa condition for ex pats - as they are threatening to do.

  4. #4
    Old Hand มือเก่า galahad's Avatar
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    Might have something to do with the previous treatment you have had in your battle with Cancer Flip,
    Radiotherapy,Chemo plus the surgeries you have had(3 in my case).I have heard that insurewith are very good and that they specialise in cancer remission/pre existing insurance at very reasonable costs

  5. #5
    Guest Flip's Avatar
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    Quote Originally Posted by galahad View Post
    Might have something to do with the previous treatment you have had in your battle with Cancer Flip,
    Radiotherapy,Chemo plus the surgeries you have had(3 in my case).I have heard that insurewith are very good and that they specialise in cancer remission/pre existing insurance at very reasonable costs
    No surgery just 35 sessions of radio therapy (the max) - no chemo yet, when its time for that, its almost check out time in my particular case - hopefully a long way off.

    Radio therapy can cause some damage, the worst of which usually occurs around 2 years after treatment. I've had some but far less than others. I would have thought though that an insurer could easily exclude that as 'related to'.

    I haven't tried insurewith, I gave up in disgust after trying 3 companies - thanks for the tip, I'll get in touch with them nearer the time. Everything is on hold yet again so not much point in checking at the moment as things can change with insurers - 8 years waiting for the recession to end and now this damned brexit is screwing the housing market up.

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