Lezersvraag: Waar kan een Thai zich in Phuket verzekeren tegen ziektekosten?

Bupa accepteerd Thai nationals, gewoon online doen & afsluiten.

Thai Health ook.

Zijn er zat vanaf 1,000thb p/m al.

Ik hoop dat je hier wat aan hebt.

Health Insurance for Thai Citizens NOT expats
By CREATING WAVES, May 28, 2017 in Health and Medicine

All Thai citizens have health coverage. If they are civil servants, it is under the Civil Service Social Security system; if they are employed in the formal private sector, it is the regular Social Security system and everyone else comes under the “universal” scheme AKA “30 baht” or “gold card”.

The website for the “universal” scheme is https://www.nhso.go.th/eng/FrontEnd/index.aspx https://www.nhso.go.th/FrontEnd/index.aspx

Virtually everything is covered, free of charge (of 30 baht charge depending in the hospital) , with few exceptions e.g. medications not on the Ministry of Public Health’s drug list. These would rarely be necessary. There is a co-payment required for hemodialysis but not peritoneal dialysis. Even organ transplants are covered. Only a ward room is included but one can pay extra for private or semi-rpivate.

This coverage is limited to the hospital which covers the area where the Thai is listed in a tabian ban or higher level facility that it refers them to. If you and your wife reside somewhere other than where she is listed in a tabian ban (as many Thais do), it is worth getting that changed so that she does not have to travel far for health care. And make sure the baby when s/he arrives is listed in the tabian ban for the area where you actually live.

In case of an emergency, Thais are eligible for free care for up to 72 hours at any hospital including private ones and the law was recently tightened in that regard. The hospitals providing the emergency care are reimbursed for it by the respective government scheme, but of course the rate of reimbursement is lower than normal private hospital charges, for which reason the private hospitals aren’t happy about this but it is starting to be enforced.

Any problems encountered in getting care under the universal scheme should immediately be referred to the NHSO hotline (I think 1330, but check the website) they are very helpful in my experience.

Because all Thais have coverage through the government the market for private insurance for Thais is quite limited and premiums as a result higher than they would be in countries where private insurance is widespread. I believe BUPA Thailand has a policy just for Thais, will be shown only on their Thai language website. I am not sure what it covers.

The only advantage to private coverage is choice of hospital. So if you are considering a private policy for her make sure it is not limited to government hospitals and that the coverage is sufficient to cover care in the better private hospitals, otherwise there is really no advantage at all.

Private policy outpatient cover here is too expensive to be worth it – the amount of extra premium essentially equals the maximum pay-out. So you would be looking at inpatient only.

Be warned that care at private hospitals is not necessarily better than in government hospitals. Up-country especially the opposite tends to hold true.

Artikel 2
All Thais have access to free health care – there are 3 schemes, one for civil servants, one for those employed in the formal private sector (with some exceptions i.e. self employed, employed in a private school or international organization) and then everyone else is covered under the Universal Care Scheme AKA “gold card” AKA “30 baht” scheme (though collection of the 30 baht is now optional and some hospitals don’t bother).
None of this has changed, and Thai people are well aware of it.

Unless an emergency, care can only be obtained at the hospital one is registered at (or a higher level facility it refers you to) and for the universal scheme that is based on where you are listed in a tabian ban.

In an emergency care can be obtained at any government hospital. By law private hospitals are also required to provide care for free for up to 72 hours if the patient cannot safely be transferred elsewhere, but enforcement of this law is problematic.

If this was Samrong General Hospital in Samuk Prakan that you refer to, it is a private not government hospital. The key questions are:

– is your friend covered under Social Security (she should be since she is employed. If she is, she will have a SS card and there will also be small monthly deductions from her paycheck)?

– if so, is that the hospital where she is registered?

IF she is covered under SS and IF that is the hospital where she is registered, then she would have been able to receive free treatment.

If she is covered under SS but registered elsewhere, she needed to have gone to the hospital where she was registered, and should in future do so. In a life-or-death emergency wherein the patient cannot be safely transferred, any hospital will be reimbursed for providing care, but enforcement of that in the case of private hospitals is problematic.

If she is not covered by SS then (1) her employer is breaking the law and she should insist upon enrollment and (2) until such a time as enrolled in SS, she is covered under the UCS (“30 baht”) scheme but except in emergencies, only at the hospital which serves the area where she is listed in a tabian ban. Many people working in Bangkok are still listed in a tabian ban in their home province, with the result that they have to travel back there for medical care or else pay for it out of pocket (emergencies excepted). This can be redressed by changing tabian ban registration and that is worth doing is the person expects to be in Bangkok long term.

Should she deteriorate she should go at once to the ER of a government hospital.

Beste Gerard en Wim.

Misschien vraagstelling niet goed begrepen, vriendin heeft alleen in Thailand een verzekering nodig.
Zowel bij Bupa als Thai Health staat Thailand niet onder COUNTRY OF COVERAGE.
Wat is het nu? Een Thai kan zich bij hun verzekeren buiten Thailand zoals ik het lees.

Ik kan mis zijn ?

Ik ben drie maal in Phuket geopereerd de laatste 15 jaar. Ik heb een hospitaal verzekering de DKV
Dit geldt overal in de wereld. Ik toonde mijn kaartje mijn lidnummer en telefoon het hospitaal belde het nummer dat op mijn kaartje staat. Intussen werd ik onderzocht en enkele uren later geopereerd.
Het gebeurde in het internationaal hospitaal van Phuket. Een week later werden de hechteningen uitgenomen.