Kev In Thailand should be a lesson to all expats on the fallacy of living in Thailand without medical insurance. I'm sure many remember the vlog he did with 20 seconds Rob about how medical insurance was not necessary and he recommended expats just get a health check periodically. Very sadly, just under a year later he found he had cancer and then died. Medical insurance is an absolute must.
@@KingShaf7 I’m not saying medical insurance would have guaranteed a different outcome, however: 1. Had he taken it out when he first moved to Thailand in 2014 his cancer might have been identified sooner and therefore treated before it got as bad as it did. 2. Having insurance would have saved him the indignity of having to ask others to help with his medical bills.
I spent 2 days, 1990, in Pattaya. Superbabies or Babies 3 lived up to its name with some young ladies. Club Caligula gave me a very memorable greeting with a special face massage and an up close and personal viewing of the shaving implement show. Walking down beach road a bar had the BBC news on reporting Saddam Husain's Iraq had invaded Kuwait. I barely scratched the surface.
Great information. I’ve always booked with my credit card which includes insurance which is why I book with it. It’s great to know that we now need to use a specific Thai insurance. I don’t understand as to why when my bank is a major Australian bank but if those are the rules then so be it.
Thanks Trevor for doing this topic. As someone planning to move to Thailand in the future, health insurance and getting reliable expert advice a prime concern of mine.
Great and informative video. I am planning to move to Thailand in about 5 years and health insurance is a huge factor in my decision. Looking forward to part 2 of this video!
As others have already posted, fantastic video, infact fantastic series of videos always ask the pertinent questions and getting the answers we all need 👍👍
Trevor, Can you ask him about travel health insurance purchased in the U.S. or Canada for example. If I understand what he said correctly, it sounds like the health insurance I have, (it covers all pre-existing conditions) and the supplement I purchase for travel (United Healthcare Global) would be useless there under the requirements of the Thai Government. Is that correct ? I wanted to plan a trip there that would last about 30 days. I have health insurance that covers me pretty much any where I go. And I always purchase a supplemental international travel health policy that also covers emergency evacuation when I travel. Why would that not be good enough ? Or, am I missing something ? Fantastic post ! Looking forward to these answers. And please thank Mr Levy from all of us for his valuable information. I know he must be a busy man, and it is very kind of him to take time from what must be a hectic day to speak with us about this very important issue. And Thank You as well.
The policies you have you should keep. They are invaluable if they cover pre existing conditions and can probably be used in Thailand. With the new set of immigration rules you will need to supplement your existing policies of with a policy that will allow you to travel to Thailand. E mail me if i can be of further service.
One nice thing about Thailand is that routine care here is very inexpensive. When buying long term health insurance it is worthwhile considering the amount of the deductible. The insurance premium price can be reduced if you accept a large deductible and are willing and able too cover your routine medical costs yourself. You can also get inexpensive accident insurance through your bank when you establish a bank account.
1975 my first visit to pattaya i was 20 year old .....i remember there was elephant on the beach ...may be 6 hotels in all ...may be also only few bars ....naklua to south all empty space rice field also ...
Another great video, i was wondering about the special covid requirement. Hopefully they will set me straight and be able to take care of my needs. Thanks to Jack and yourself, looking forward to part 2
This is from a tourist standpoint but I didn't come with travel insurance but after dealing with the insane traffic anything could happen or the possibility of getting has convinced me to not leave the country without insurance to cover anything that could happen.
I've lived here for 15 years with no health insurance, saved over 500,000 baht. If you are healthy, non smoker, it's worth the risk. After aged 70, when you really need it, you are probably not eligible.
Jack said that in order to come to Thailand you must be insured by an insurance company in Thailand. That's not true. I returned to Thailand 4 months ago and the only insurance requirement was that I had insurance that specifically covered COVID, which my policy clearly stated. There was no other requirement for the originating country of the policy.
Things have chsan6ged in the last 4 months, i5r since you applied for your Certificate of Entry visa. It seems the only group currently exempt are Elite card holders. Check with your Thai Embassy next time you travel Thank you
I don't understand how people can live in Pattaya or Thailand for so long and never think about getting health insurance. Sometimes we read of long time expats who got in an accident or get really sick and since they have no insurance are reduced to e-begging online through gofundme. Health insurance should never be viewed as an option, it should be viewed as a mandatory expense. I get it that once you reach a certain age the costs are too prohibitive and insurance may not be available, but that is why you plan ahead for these things as a wanna be expat. I don't think it's worth having that extra barfine a month if it means you won't be paying for health insurance.
I think insurance is important and not rely on Gofund me to cover cost when it is an emergency, Like some travelers stories in Thailand. After all the money you spend on a holiday airfares,hotels,food other outdoor/indoor activities and cheap on insurance which not much.
Just subscribed you seem a top guy who says it as it is bit like me and you ask all the right questions keep it up I'm just early retired now so ready to come once ove had the vaccines ,love from.the north lol Sheffield
That’s the that’s the thing,the older you get the higher risk you are. Heart Attack,Stroke and Cancer are the three main things to worry about. You have to remember that Insurance companies are Bookies and some of them will really drag their heals or find a loophole in the small print so they haven’t got to pay out.
As an esyablished Broker i find that comment a little unfair A medical insurance is a xontract between an individual and an insurance company on the date the application is signed. It is not the fault of the insurance company if the individual waits till later in life and pre existing conditions mount up. Better to get the insirance sooner rather than later But later is better than never which is now no longer an option.
@@jacklevy2982 I wasn’t having a pop at any individual but when I had mild stroke several years ago it took six months to get paid out. Try talking on a phone to get the go ahead for treatment when half your mouth isn’t functioning especially if they haven’t got a good grasp on the English language.
Not sure if u can answer this question... When things are back to normal I plan to stay in Thailand for 8/9 months then returning to UK for the remainder so what would stop me getting travel insurance for 90 days & then renewing it twice while in Thailand??
Normal travel insurance generally requires you to be in your home country when it commences and thus cannot be extended during your trip. That said a company called ; Safetywing.com has set up for digital nomads and solves that very problem.
I am 73 years old with preexisting conditions, my insurance would be over $1000 a month, my best bet is pay as you go. I have had a stroke and heart attack. It cost me $1000 for 10 days in the hospital in a govt hospital. Also can you just buy accident insurace?
I'm a little confused by the monthly cost, since another website that covered the costs of living in Thailand, a Canadian ex-pat said his health insurance costs are about 7,500/mo, which is substantially double the estimate here of 45,000/yr.
It’s one thing to be 50 & in good health but just about everybody I know over 60 has heart stents or diabetes type 2. Is it worth it if what you are most likely to need it for is exempted. What happens when you get to 70. The option of self insuring as we have access to Government Hospitals & in many places it is the same specialists & surgeons who will treat/operate on you in a Private or Government Hospital & I say in my experience they are about a third of the price of private e.g. a friend was quoted around 450K from Bangkok Hospital for heart stents but got them done at Queen Siriket Heart Centre Government Hospital in Khon Kaen for 160K though Government Hospitals will want you to pay up front. Lastly & I include myself in this when I first arrived a lot of people don’t realize if you have a road accident you could be liable for third party medical bills &/or death blood money to be paid to their family & let’s not forget the bail bond. You got the Types 1, 2+, 2, 3+ & 3 here. Type 1 being the highest & 3 the lowest but they all cover third party claims & as you go down you get less for your own vehicle so they recommend Type 1 for vehicles less than 5 years old. Type 2/2+ for 5 to 10 years old & Type 3/3+ for those over 10 years & the link below explains them all very well & remember they are not going to let you leave the Country till these bills are settled. www.roojai.com/en/?gclid=Cj0KCQiA7NKBBhDBARIsAHbXCB4xcYP2bWoWbNcc6IEWYf-kyp6yaEbLNFMmLpuwISBMEl5WKBwm2BAaAnG4EALw_wcB
Thank you for pointing out it is easier and better to get health insurance in your 50's when you are presumably fitter, stronger and hace fewer pre existing conditions. This is the system People who wait till they are over 60 blame the system but should they just be accepting the consequences of their own inaction
Very informative as with the visa video you did earlier. I might move my condo insurances over to this guy when they come up for renewal. I will see what his quotes are anyway. Many condo complexes have compulsory home insurance clauses in the building rules in case anyone is wondering. It is not compulsory in Thailand per se.
@@jacklevy2982 No they don't. There is a separate bill from admin every year asking for building insurance payments. That is on top of the CAM fee. Added to that we have to have min 500K baht cover for each unit. At present this is costing about 2700 Baht per unit per year for the individual unit insurances and another 1500B per year for the building insurance policy.
Taken from big insurer ALLIANZ two minutes ago.......”Travel insurance for Thailand isn’t a legal requirement, but it should still be viewed as an essential for your trip. “
Problem is that most health insurance companies will only offer a policy until you reach the age of 70 years old. Basically when you most need it...It won't be available...
Basically Thai business is shaky at best. What used to be good values and prices, now the corporate world is moving in and the expat is at risk for everything. Pay first and then file for reimbursement? My god that is always a problem dealing with any claims process. Can be nightmarish in the USA
I think there is bad information here.If you have insurance.you simply show your card and your policy..They check within minutes.But it is also dangerous to have insurance in thailand.Hospital only see,s money.To many bad stories to tell on here.
I know they say you shouldn't judge a book by its cover, but they also say you should pay heed to your intuitions/inner voice, and my intuitions would tell me not to buy anything from a guy who looks like that, especially not insurance or a secondhand motor.
Actually the quotatioon i gave covered ALL medical expenses, including Covid, up to 3,500,000 baht. That is a lot more realistic. I am so sorry you misunderstood. Totally my fault for not expanding the point.
Will Thai health insurance cover you outside of Thailand as well? Can they terminate the contract as you get older or chronically ill? Will you "insurance age" get logged in when you sign up or will premiums rise just because you get older (beyond inflation)?
@@Buzzinpattaya 😂 yes old school 😆. I see video today and thought you might like.maybe a idea for a video for your channel.Pattaya.BEFORE AND NOW .how time changes everything.was just a thought 💭
I'd be interested to hear how pre-existing conditions are handled and are there higher costs. I am a diabetic living full time in Thailand and have a preconceived notion that buying insurance would be a waste of money as the insurance company is highly unlikely to pay out if I was admitted to hospital.
You need to declare the pre-existing condition before buying the insurance otherwise they will use this as a reason not to pay out. It's likely to increase the cost of the insurance but at least you'll be covered if the worst happens.
Why would you pay for go fund me page to support a gogo bar that was presumably profit generating, so if you contribute you are bailing out a business that was not profitable? Why are they not profitable ?
your guest talked about if you were hit by someone, in a car or otherwise which wasnt your fault and you needed treatment in the hospital. wouldnt the person who hit you have to pay the hospital?
Hello all please can someone help Im living in Thailand with my thai wife and I would like to get health insurance that includes everything inculed cancer care etc etc whats the cheapest company and that are good and wont scam me ..plus what should I pay for it thanks so much all
Confused!! Jack says the health insurance should be through a thai insurance company. But comments on here say that's not the case. So who is right ?? Great video though.
You can bring your own But check with the Thai Embassy To obtain a Certificate of Entry you must have the insurance approved by Thai Immigration. Bring both by all means.
You need to publish a correction here....you DO NOT need an insurance policy from a Thai insurance company to visit....I would suggest you correct this ASAP mate or an awful lot will be put off coming which defeats the whole object of your very good videos!
That seems expensive I get long term insurance from UK big companies around £160 for 3 months and I'm a type 1 diabetic n cholesterol also my 7yr old covered aswell
@@vagabondvibes2578 correct ! my question is does the health insurance companies such as aetna or cigna satisfy the requirements for the visa or must you get a thai insurance policy?
Could you do a blog on safe car ,bike hire in Pattaya ie covered on insurance you could also earn money in the future from recommending companies I will use jack in the future for myself and company employees 🙏
Good video Jack seems very professional and a someone ill approach for advice unlike most of the Characters you see on the you tube channels. Question for Jack from November im going to be spending 6 months of the year here and 6 months of the year back in UK is there a policy to give me 180 days cover
There is cirrently annual policies you can pay wuarterly, so adter two payments you could .....disappear and stop paying I believe there are six month plans on the near horizon Please contact me when you know your travel atrangements
You asked a question at 7.43 which many have said was not correctly answered. In the interest of accuracy, and the reputation of this channel, Jack needs to clarify his answer as many think he's incorrect. If he can point to where it states this, even better. I hate to think he's just touting for business by inferring something that is not entirely correct.
I guess the Thai immigration wanted to make sure minimum standards were set and adhered to Also stimulate local Insurance Nut that is just a guess. It is their country after all
You are confusing medical insurance with travel insurance, Travel insurance from your own country for less than 90 day trips , medical / health insurance for longer stays.
Hi, firstly great video, I have had 3 health problems diabetes/blood pressure/cholesterol. Now all reversed. . Very pleased. I have always declared my health problems. On insurance. But as I said now , no meds and health great. Question is. Do I have to tell insurance companies about old medical problems ?
Hi Mr T The problem is not wanting to self health insure once you are well into your 65ish but getting that cover in the first place. Having only retired at 65 doing it earlier has not been an option and as an argument therefore pretty academic. And if you are like me where the tooth of time has been nibbling away and you have pre-existing conditions of some sort where you go from here?? But I did try and have a medical and the feedback was, yes we cover you BUT exclude things like cholesterol related and diabetes and I don't even suffer from neither 1 nor 2. On the basis of this I really like to know what good an insurance is that excludes certainly in my case the most probably cause of demise due to clogged up arteries, only to find, sorry, bug off, you are not covered. Yet. I pay them 140k a year for cover.
We have been advising people for many years that if they have an adequate company scheme they xan take iut a private health insurance with a huge deductible for. They will not use it till they retire But it is cheap and gives peace of mind
@@jacklevy2982 I had BUPA with my last employment as a company group scheme but I could not port it. Unfortunately, just a few weeks prior to turning 65 and retire I had a serious medical emergency so that put paid to any hedged plans that far.
I think he said something that is not true.Why would it be manditory to have a thai insurance.when i lived there.people had bupa.I have never read that thailand has stated that insurance has to be with a thai company.
@@billybob7522 Its mandatory to have insurance.Who your insurance company Is. Is up to you.There is no law saying it has to be a thai company.Yes they can give a list of recommended companies to use.But that is all it is.
@@t147han Yes, I agree but my understanding is that it's only mandatory to those entering the country now and over the last few months. Those already in the country (prior to the new rules) it is not mandatory. But of course this is a big risk.
@@billybob7522 Mandatory now for all.I believe you have to show cover when you get your visa stamp.which is normaly every 3 months.Even if you live there.
Really like this channel. Covers so many things you need to know. Another great video.
Thank you so much, really appreciated
Kev In Thailand should be a lesson to all expats on the fallacy of living in Thailand without medical insurance. I'm sure many remember the vlog he did with 20 seconds Rob about how medical insurance was not necessary and he recommended expats just get a health check periodically. Very sadly, just under a year later he found he had cancer and then died.
Medical insurance is an absolute must.
Yeah bless him
But you forget that he paid all his medical costs and still died as his cancer was aggressive. RIP Kev
@@KingShaf7 Yes, but that's not the point.
@@KingShaf7 I’m not saying medical insurance would have guaranteed a different outcome, however:
1. Had he taken it out when he first moved to Thailand in 2014 his cancer might have been identified sooner and therefore treated before it got as bad as it did.
2. Having insurance would have saved him the indignity of having to ask others to help with his medical bills.
Best medical insurance in the world wouldn't have saved him I had a neighbour with the same as Kevin did sadly she died too from it
Top guy. Always at the top of the list when someone asks about insurance.
Indeed
Thank you
I spent 2 days, 1990, in Pattaya. Superbabies or Babies 3 lived up to its name with some young ladies. Club Caligula gave me a very memorable greeting with a special face massage and an up close and personal viewing of the shaving implement show. Walking down beach road a bar had the BBC news on reporting Saddam Husain's Iraq had invaded Kuwait. I barely scratched the surface.
Great comment thanks for sharing
A great time to be here for sure
Great information. I’ve always booked with my credit card which includes insurance which is why I book with it. It’s great to know that we now need to use a specific Thai insurance. I don’t understand as to why when my bank is a major Australian bank but if those are the rules then so be it.
Cool glad you enjoyed it
I'm here and didn't use Thai insurance so he is incorrect.
Yep your right
Your credit card will have very limited cover unless it includes travel insurance as one of the benefits of the card. Worth checking.
Ye it’s a Platinum Card mate.
Thanks Trevor for doing this topic. As someone planning to move to Thailand in the future, health insurance and getting reliable expert advice a prime concern of mine.
Very welcome mate
Great and informative video. I am planning to move to Thailand in about 5 years and health insurance is a huge factor in my decision. Looking forward to part 2 of this video!
Thank you
Contact me anytime
I am not planning to move anytime
Thank You Trevor one of the most informative videos to date. Cheers from Dallas
Glad you enjoyed it
agree, very informative.
As others have already posted, fantastic video, infact fantastic series of videos always ask the pertinent questions and getting the answers we all need 👍👍
Cheers
May be your most useful video. Thanks. No one is doing this subject.
Glad it was helpful!
Trevor, Can you ask him about travel health insurance purchased in the U.S. or Canada for example. If I understand what he said correctly, it sounds like the health insurance I have, (it covers all pre-existing conditions) and the supplement I purchase for travel (United Healthcare Global) would be useless there under the requirements of the Thai Government. Is that correct ? I wanted to plan a trip there that would last about 30 days. I have health insurance that covers me pretty much any where I go. And I always purchase a supplemental international travel health policy that also covers emergency evacuation when I travel. Why would that not be good enough ? Or, am I missing something ? Fantastic post ! Looking forward to these answers. And please thank Mr Levy from all of us for his valuable information. I know he must be a busy man, and it is very kind of him to take time from what must be a hectic day to speak with us about this very important issue. And Thank You as well.
please email him direct as this is way out of my knowledge bank... jack@macallanbroker.com
The policies you have you should keep. They are invaluable if they cover pre existing conditions and can probably be used in Thailand.
With the new set of immigration rules you will need to supplement your existing policies of with a policy that will allow you to travel to Thailand.
E mail me if i can be of further service.
Good video, look forward to pt2.
Glad you enjoyed it
Thanks a lot, Gents... Very helpful... already waiting for the part-2.
Glad you enjoyed it
One nice thing about Thailand is that routine care here is very inexpensive. When buying long term health insurance it is worthwhile considering the amount of the deductible. The insurance premium price can be reduced if you accept a large deductible and are willing and able too cover your routine medical costs yourself. You can also get inexpensive accident insurance through your bank when you establish a bank account.
Great comment thanks for sharing
We usually send out quotes with a seductible option
Jack is a good chap and I miss how things were in the 80's and long live the TQ.
Indeed mate
1975 my first visit to pattaya i was 20 year old .....i remember there was elephant on the beach ...may be 6 hotels in all ...may be also only few bars ....naklua to south all empty space rice field also ...
Great days (and nights)..
thx for providing this info. I don’t think about this enough, but important to at least think about needs/options
True that mate
The only go-go bar i can remember in Dec 89 is the Good Old TQ
Nice
It was there 10 years before that and stilk going today
Good old Rock 'n Roll
@@jacklevy2982 1978 i believe,hopefully still going in 10 years
Exactly what I needed to know. I will be contacting jack for a quote as I’m all set to return once the uk is open for travel again. Cheers
Please do!
I will be happy to hear from you
Another great video, i was wondering about the special covid requirement. Hopefully they will set me straight and be able to take care of my needs. Thanks to Jack and yourself, looking forward to part 2
give Jack a shout if need be mate
K am ready for the shout... anytime
Great video , when you consider my dreaded council tax bill is around £95 per month , then the cost of health insurance is well worth every penny
Ah how I don't miss the Council tax
@@Buzzinpattaya look forward to buying you a Chang when i finally get back
Nice friendly guy with a great buisness. His staff are very informative and talk English. I had no hesitation insuring with him.
Thank you
Thanks Darryl
It is a pleasure being of service to you.
I need contact information
Email & Link .. !!!
Thanks for this great advertising platform for jack too
Very welcome
This is from a tourist standpoint but I didn't come with travel insurance but after dealing with the insane traffic anything could happen or the possibility of getting has convinced me to not leave the country without insurance to cover anything that could happen.
Best speak to Jack direct
I've lived here for 15 years with no health insurance, saved over 500,000 baht. If you are healthy, non smoker, it's worth the risk. After aged 70, when you really need it, you are probably not eligible.
Fair shout
Cover up to age 99
Subject to terms and conditions
Jack said that in order to come to Thailand you must be insured by an insurance company in Thailand. That's not true. I returned to Thailand 4 months ago and the only insurance requirement was that I had insurance that specifically covered COVID, which my policy clearly stated. There was no other requirement for the originating country of the policy.
Yes he is wrong but it's good...
Am sure he will explain if there is any misunderstanding
Things have chsan6ged in the last 4 months, i5r since you applied for your Certificate of Entry visa.
It seems the only group currently exempt are Elite card holders.
Check with your Thai Embassy next time you travel
Thank you
Great topic look forward to part 2 🙏👍🇺🇸
Thanks 👍
Would be nice to see a video on pre existing conditions and what coverage, if any could be available
Great suggestion!
Are there any insurance with pre existing conditions?
great questions fellas well covered looking forward to part 2
Thank you
I don't understand how people can live in Pattaya or Thailand for so long and never think about getting health insurance. Sometimes we read of long time expats who got in an accident or get really sick and since they have no insurance are reduced to e-begging online through gofundme. Health insurance should never be viewed as an option, it should be viewed as a mandatory expense. I get it that once you reach a certain age the costs are too prohibitive and insurance may not be available, but that is why you plan ahead for these things as a wanna be expat. I don't think it's worth having that extra barfine a month if it means you won't be paying for health insurance.
Great comment thanks for sharing
Great video and thanks for sharing information on health insurance 👍😀
Very welcome
Love this video!! Great questions!! 🇺🇸
Glad you enjoyed it!
I think insurance is important and not rely on Gofund me to cover cost when it is an emergency, Like some travelers stories in Thailand. After all the money you spend on a holiday airfares,hotels,food other outdoor/indoor activities and cheap on insurance which not much.
Agreed
Just subscribed you seem a top guy who says it as it is bit like me and you ask all the right questions keep it up I'm just early retired now so ready to come once ove had the vaccines ,love from.the north lol Sheffield
Awesome, thank you, and see you over here soon mate.... stay safe
That’s the that’s the thing,the older you get the higher risk you are.
Heart Attack,Stroke and Cancer are the three main things to worry about.
You have to remember that Insurance companies are Bookies and some of them will really drag their heals or find a loophole in the small print so they haven’t got to pay out.
Yeah valid points
As an esyablished Broker i find that comment a little unfair
A medical insurance is a xontract between an individual and an insurance company on the date the application is signed.
It is not the fault of the insurance company if the individual waits till later in life and pre existing conditions mount up.
Better to get the insirance sooner rather than later
But later is better than never which is now no longer an option.
@@jacklevy2982 I wasn’t having a pop at any individual but when I had mild stroke several years ago it took six months to get paid out.
Try talking on a phone to get the go ahead for treatment when half your mouth isn’t functioning especially if they haven’t got a good grasp on the English language.
Not sure if u can answer this question...
When things are back to normal I plan to stay in Thailand for 8/9 months then returning to UK for the remainder so what would stop me getting travel insurance for 90 days & then renewing it twice while in Thailand??
Hi, please contact Jack directly for this - jack@macallanbroker.com
Normal travel insurance generally requires you to be in your home country when it commences and thus cannot be extended during your trip. That said a company called ; Safetywing.com has set up for digital nomads and solves that very problem.
Thanks Terry
Saves me writing all that. Well done sir!!
.But when will things ever get back to to the good old normal?
I am 73 years old with preexisting conditions, my insurance would be over $1000 a month, my best bet is pay as you go. I have had a stroke and heart attack. It cost me $1000 for 10 days in the hospital in a govt hospital. Also can you just buy accident insurace?
Gotcha mate
Excellent clip indeed.
Glad you enjoyed it
Great vid , get a good vibe from Jack
Absolutely
yes, so true. He does have a good vibe about him. I have contacted him. Hope to use him in the near future
I'm a little confused by the monthly cost, since another website that covered the costs of living in Thailand, a Canadian ex-pat said his health insurance costs are about 7,500/mo, which is substantially double the estimate here of 45,000/yr.
Yeah many prices vary due to previous heath issues
Good job with the interview's buddy. Your answering a lot of questions for us. Thanks
Glad you enjoyed it!
Thank you
Contact me anytime 😊
He beat me here by 5 years , I got here in 92 , was a regular in thahiti Queen & Baby Doll
Nice
Wow great chat. Looking forward to the next talk.
Glad you enjoyed it
It’s one thing to be 50 & in good health but just about everybody I know over 60 has heart stents or diabetes type 2. Is it worth it if what you are most likely to need it for is exempted. What happens when you get to 70. The option of self insuring as we have access to Government Hospitals & in many places it is the same specialists & surgeons who will treat/operate on you in a Private or Government Hospital & I say in my experience they are about a third of the price of private e.g. a friend was quoted around 450K from Bangkok Hospital for heart stents but got them done at Queen Siriket Heart Centre Government Hospital in Khon Kaen for 160K though Government Hospitals will want you to pay up front. Lastly & I include myself in this when I first arrived a lot of people don’t realize if you have a road accident you could be liable for third party medical bills &/or death blood money to be paid to their family & let’s not forget the bail bond. You got the Types 1, 2+, 2, 3+ & 3 here. Type 1 being the highest & 3 the lowest but they all cover third party claims & as you go down you get less for your own vehicle so they recommend Type 1 for vehicles less than 5 years old. Type 2/2+ for 5 to 10 years old & Type 3/3+ for those over 10 years & the link below explains them all very well & remember they are not going to let you leave the Country till these bills are settled.
www.roojai.com/en/?gclid=Cj0KCQiA7NKBBhDBARIsAHbXCB4xcYP2bWoWbNcc6IEWYf-kyp6yaEbLNFMmLpuwISBMEl5WKBwm2BAaAnG4EALw_wcB
Great comment thanks for sharing
Thank you for pointing out it is easier and better to get health insurance in your 50's when you are presumably fitter, stronger and hace fewer pre existing conditions.
This is the system
People who wait till they are over 60 blame the system but should they just be accepting the consequences of their own inaction
Excellent guy Trev question will he reply back to me as u know.Great clip always a big help these guys.
I try lol
Jack seems like a great guy..he loves the camera:):)
Yeah a nice guy for sure
Lots of things i love....555
I always feel like these recommendations are compensated. Just looks like a big sales pitch.
Feel as you wish, I am sharing information, up to you if you wanna use it or not
Very informative as with the visa video you did earlier. I might move my condo insurances over to this guy when they come up for renewal. I will see what his quotes are anyway. Many condo complexes have compulsory home insurance clauses in the building rules in case anyone is wondering. It is not compulsory in Thailand per se.
Great comment thanks for sharing
Correct
Though the juristic persons should insure the building and common areas with money from the annual maintenan6 fee
@@jacklevy2982 No they don't. There is a separate bill from admin every year asking for building insurance payments. That is on top of the CAM fee. Added to that we have to have min 500K baht cover for each unit. At present this is costing about 2700 Baht per unit per year for the individual unit insurances and another 1500B per year for the building insurance policy.
Taken from big insurer ALLIANZ two minutes ago.......”Travel insurance for Thailand isn’t a legal requirement, but it should still be viewed as an essential for your trip. “
I disagree but best to check with Jack
@@Buzzinpattaya I think not
Look at the Thai Immigration website
@@jacklevy2982 not there either
Problem is that most health insurance companies will only offer a policy until you reach the age of 70 years old. Basically when you most need it...It won't be available...
I believe many will continue after you are 70
@@Buzzinpattaya but at what cost?
The ones i work with guarantee up to age 99
Good stuff as always 👍
Glad you enjoyed it
Great content Thanks
Glad you enjoyed it
Basically Thai business is shaky at best. What used to be good values and prices, now the corporate world is moving in and the expat is at risk for everything. Pay first and then file for reimbursement? My god that is always a problem dealing with any claims process. Can be nightmarish in the USA
I think there is bad information here.If you have insurance.you simply show your card and your policy..They check within minutes.But it is also dangerous to have insurance in thailand.Hospital only see,s money.To many bad stories to tell on here.
Thanks mate, yeah I get what you are saying
Very good information looking forward to see part 2
Glad you enjoyed it
@@Buzzinpattaya just checked with my insurance company don’t need to get insurance off Thai broker
I know they say you shouldn't judge a book by its cover, but they also say you should pay heed to your intuitions/inner voice, and my intuitions would tell me not to buy anything from a guy who looks like that, especially not insurance or a secondhand motor.
Gotcha mate...... he has great reputation here
These 45 to 50 thousand baht polices only cover hospital costs up to 400,000 baht and increase the premiums by 30 percent every five years.
best to ask Jack direct
Actually the quotatioon i gave covered ALL medical expenses, including Covid, up to 3,500,000 baht.
That is a lot more realistic.
I am so sorry you misunderstood. Totally my fault for not expanding the point.
Great vid...Jack seems like a nice cove
Thank you, yeah he is sound
Will Thai health insurance cover you outside of Thailand as well? Can they terminate the contract as you get older or chronically ill? Will you "insurance age" get logged in when you sign up or will premiums rise just because you get older (beyond inflation)?
Need to check the policy mate as I am not sure
Thanks for your video trev very informative.p.s hope you liked the video I sent you today.Pattaya in the early 80’s.stay safe .Damon
Not seen any video mate
@@Buzzinpattaya czcams.com/video/aJ2sDNeRo_0/video.html
Just sent it again
wow, what a great video - the jetskis look hilarious lol
@@Buzzinpattaya 😂 yes old school 😆. I see video today and thought you might like.maybe a idea for a video for your channel.Pattaya.BEFORE AND NOW .how time changes everything.was just a thought 💭
Great video very informative 👏
Glad it was helpful!
I'd be interested to hear how pre-existing conditions are handled and are there higher costs. I am a diabetic living full time in Thailand and have a preconceived notion that buying insurance would be a waste of money as the insurance company is highly unlikely to pay out if I was admitted to hospital.
I am sure Jack will respond
You need to declare the pre-existing condition before buying the insurance otherwise they will use this as a reason not to pay out. It's likely to increase the cost of the insurance but at least you'll be covered if the worst happens.
Only one way to find out.
You need to applt ans see what the insurer eays
Great Video, having to renew my 12 months insurance over the next few weeks !! I shall contact them !! only 4 Go Go in 1987 whats thats all aboiut 555
lol, yeah 4 is crazy hahaha....
Pattaya was jusy starting to grow in the mid 80s
Please feel free to comtact me anytime .no obligation.
Don’t you have automatic golf indemnity insurance when you play a round of golf when you pay the green fee or if you have a golf membership?
Best email jack on that one
We sell golf insurance
It is not automatically included in the green fees when you play a round of golf
Great information Trevor, thank you !
Glad it was helpful!
Why would you pay for go fund me page to support a gogo bar that was presumably profit generating, so if you contribute you are bailing out a business that was not profitable? Why are they not profitable ?
I don't know the answer on that sorry
Because demand has been artificially reduced?
'assumably'...? What on earth does that mean?
your guest talked about if you were hit by someone, in a car or otherwise which wasnt your fault and you needed treatment in the hospital. wouldnt the person who hit you have to pay the hospital?
Sadly no it's a mess
The mentality for many years now, is that the accident wouldn't have happened if the foreigner wasn't in Thailand .. therefore the foreigner pays
some companies give a discount if you pay annually.
I believe so
Hello all please can someone help
Im living in Thailand with my thai wife and I would like to get health insurance that includes everything inculed cancer care etc etc whats the cheapest company and that are good and wont scam me ..plus what should I pay for it thanks so much all
Go see Jack at Macellan Insurance South Pattaya Road
I like to ask him if in 1987 all the old guys were talking about Pattaya being past it's prime and how great it was back in the day. 555
555
I bet they were saying that 🤣
Same same...but different
Very informative. Thanks.
Glad it was helpful!
Confused!! Jack says the health insurance should be through a thai insurance company. But comments on here say that's not
the case. So who is right ??
Great video though.
Please contact Jack directly - jack@macallanbroker.com
You can bring your own
But check with the Thai Embassy
To obtain a Certificate of Entry you must have the insurance approved by Thai Immigration.
Bring both by all means.
You need to publish a correction here....you DO NOT need an insurance policy from a Thai insurance company to visit....I would suggest you correct this ASAP mate or an awful lot will be put off coming which defeats the whole object of your very good videos!
I will ask Jack to verify this as obviously this is not my expertise area
@@Buzzinpattaya not his either....
That seems expensive I get long term insurance from UK big companies around £160 for 3 months and I'm a type 1 diabetic n cholesterol also my 7yr old covered aswell
Great comment thanks for sharing
Sorry
This is Thailand and we cannot compete with that
Hi are you covered with travel insurance when on the back of a motorbike taxi ?
Depends on your policy .Read the small print .
Hi, please contact Jack directly for this - jack@macallanbroker.com
Heath insurance is a must here !
Agreed
It is more than a 'must', it is a legal prerequisite for a 'retirement visa'.
@@vagabondvibes2578 correct ! my question is does the health insurance companies such as aetna or cigna satisfy the requirements for the visa or must you get a thai insurance policy?
Could you do a blog on safe car ,bike hire in Pattaya ie covered on insurance you could also earn money in the future from recommending companies I will use jack in the future for myself and company employees 🙏
Sure, will add it to the list of future videos
Thank you
I look forward to hearing from you.
Good video Jack seems very professional and a someone ill approach for advice unlike most of the Characters you see on the you tube channels.
Question for Jack from November im going to be spending 6 months of the year here and 6 months of the year back in UK is there a policy to give me 180 days cover
Please contact jack direct - jack@macallanbroker.com
There is cirrently annual policies you can pay wuarterly, so adter two payments you could .....disappear and stop paying
I believe there are six month plans on the near horizon
Please contact me when you know your travel atrangements
Good questions
Thank you
This is very useful thanks for this.
Glad it was helpful!
fantastic news - thank you
Our pleasure!
Trev could you ask in part 2 how much is the cover for someone over 75 with a prexisting condition ie: heart attack.will they insure.
Mate Pt was out ages ago please contact Jack Direct
You asked a question at 7.43 which many have said was not correctly answered. In the interest of accuracy, and the reputation of this channel, Jack needs to clarify his answer as many think he's incorrect. If he can point to where it states this, even better. I hate to think he's just touting for business by inferring something that is not entirely correct.
I will pass this on as truthfully I am obviously out of my depth here.
? Why do we have to have a Thai insurance company to have a months holiday in Thailand when we can buy holiday insurance online in the UK?
Please contact Jack direct as honestly I have no idea on this
I guess the Thai immigration wanted to make sure minimum standards were set and adhered to
Also stimulate local Insurance
Nut that is just a guess.
It is their country after all
dont think so. i did that in 2018 and all was well
I think i will be contacting jack about entry insurance travel insurance and health insurance soon.
Nice one
Contact me anytime
No obligation
A video I thought you might like 👍🏼
Thanks
You are confusing medical insurance with travel insurance,
Travel insurance from your own country for less than 90 day trips , medical / health insurance for longer stays.
Exactly
My country has 1 year travel insurance
Hi, firstly great video, I have had 3 health problems diabetes/blood pressure/cholesterol. Now all reversed. . Very pleased.
I have always declared my health problems. On insurance. But as I said now , no meds and health great.
Question is. Do I have to tell insurance companies about old medical problems ?
Please contact Jack direct - jack@macallanbroker.com
Yes
Because IF the problems re emerge your policy may be cancelled by the insurer3
Great information.
Thanks for watching!
Hi Mr T
The problem is not wanting to self health insure once you are well into your 65ish but getting that cover in the first place. Having only retired at 65 doing it earlier has not been an option and as an argument therefore pretty academic. And if you are like me where the tooth of time has been nibbling away and you have pre-existing conditions of some sort where you go from here?? But I did try and have a medical and the feedback was, yes we cover you BUT exclude things like cholesterol related and diabetes and I don't even suffer from neither 1 nor 2.
On the basis of this I really like to know what good an insurance is that excludes certainly in my case the most probably cause of demise due to clogged up arteries, only to find, sorry, bug off, you are not covered. Yet. I pay them 140k a year for cover.
Yeah time is never on our side mate that is for sure
We have been advising people for many years that if they have an adequate company scheme they xan take iut a private health insurance with a huge deductible for. They will not use it till they retire
But it is cheap and gives peace of mind
@@jacklevy2982 I had BUPA with my last employment as a company group scheme but I could not port it. Unfortunately, just a few weeks prior to turning 65 and retire I had a serious medical emergency so that put paid to any hedged plans that far.
Rock solid advice 🙏👍
Thank you
Are you sure the insurance will pay????
Ask Jack
this morning friends of me here tell me that the thai coverment is busy with a health insurance for farang and expads, maybe you know this.
Not my knowledge, maybe ask Jack direct - jack@macallanbroker.com
We are the last to know
@@jacklevy2982 will cost you a lot of money if this will happen
Excellent video for an ex-pat.
Glad it was helpful!
Great movie 👍
Thank you
Great info 👍
Glad it was helpful!
10:00 So, for rental insurance, you have to get it from your rental company, you cannot make arrangements in advance ?
please contact Jack direct - email in description
I think he said something that is not true.Why would it be manditory to have a thai insurance.when i lived there.people had bupa.I have never read that thailand has stated that insurance has to be with a thai company.
Hi, please contact Jack directly for this - jack@macallanbroker.com
It's now mandatory to enter the country. If you're there already that's fine but that's another question.
@@billybob7522 Its mandatory to have insurance.Who your insurance company Is. Is up to you.There is no law saying it has to be a thai company.Yes they can give a list of recommended companies to use.But that is all it is.
@@t147han Yes, I agree but my understanding is that it's only mandatory to those entering the country now and over the last few months. Those already in the country (prior to the new rules) it is not mandatory. But of course this is a big risk.
@@billybob7522 Mandatory now for all.I believe you have to show cover when you get your visa stamp.which is normaly every 3 months.Even if you live there.
i wondered what bruce grobbelar was up to these days .
lol
Willie Thorne
nice info video ,only the link of the insurance company do not work
Just copy and paste, not sure why the hyperlink doesn't activate sorry
Thanks for the heads-up
Will try to get someone working on it
What do you recommend for insurance coverage Thai American family
Speak to jay@one2go.insure
Is the requirement to have health insurance likely to just be temporary? How much does it cost typically (for a trip and for a year)
Please ask Jack directly
Probably here to stay
Cost is age related