Health Insurance Q&A Thailand
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- čas přidán 13. 09. 2024
- Interview with Alexander Bourne with Pacific Cross Health Insurance PCL. He answers common questions that Expats in Thailand have about health insurance.
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Alexander Bourne
Email alexander.b@th.pacificcrosshealth.com
Phone +82 824-58-0077
Pacific Cross Health pacificcrosshea...
If you have questions, his email is in the description. And here..... alexander.b@th.pacificcrosshealth.com
I recently had a procedure performed at Bangkok Hospital. Excellent service. The receptionists/nurses/doctors were very attentive. No long waits. Prices very affordable.
AWESOME... I was searching like crazy and just in 2 minutes I purchase one for my next visit in May🙏 Thank you so much
So, ur screwed if u have a pre existing condition.
Who doesnt have at least one pre existing condition?
Many ex-pats with pre-existing conditions are choosing to "self-insure". Medical procedures in Thailand are much cheaper than in the US, ex-pats have set aside $50K-$100K USD to pay for any catastrophic illnesses or accidents. Medical cost in Thailand is about 50% to 70% less compared to the US. For example, if you were to see a doctor in Thailand for an eye infection, it would cost about $30 USD compared to $200 USD in the States. For most ex-pats who choose to self-insure, the funds usually will come from their retirement funds and/or from the sale of their homes.
His email is in the description.
That is why you should buy at as early an age as possible. The entire business model for private insurance is shared risk for future events. Otherwise no one would buy insurance until the are sick or injured.
IT doesnt mean you can't get insurance, it means the pre existing condition isn't insured.
If you become a resident, you can apply to be on the government medical insurance plan and you will be covered for preexisting stuff of course for general treatments no different than any other resident.
If you want private hostpital level care, you would need outside insurance or pay.
@@JayandSarah Please clarify what you mean by "become a resident". People on a non-resident visa may be residents for tax purposes but are not what might be called a Permanent Resident even though they may live in Thailand 'permanently' by renewing their Non-Immigrant visa every year.
Great insights 💪🏽
Appreciate it!
Thumbs up 👍 Tony…..good insight
Thanks 👍
Forget it in your 70's just not worth the escalating cost, of course that's when you will need it😢
Thank you for this. To be honest, it sounds like a commercial for the nicest vacation home imaginable. Anyways, excluding outpatient is not good advice in my humble opinion. Should the one who never had a flu get sick and suddenly be requiring a certain medication it can quickly overwhelm him or her with unexpected costs. And the pre ex condition is a catastrophic situation for all who come after their retirement. Hardly anyone is without it. If you had a back issue, well you want to think twice. Pre ex conditions should have a clear rule like if it’s not been treated for let’s say 4 years it will be included. But obviously no chronic problem will ever be covered. Bottom line is that only healthy people can move to Thailand after 60. Well, nobody said life is fair. BTW recent quotes I got for me and my wife 63 both, came to 4500 up to 7500 euro per person. This is without outpatient. Deductibles will reduce the premium, but accidental coverage will increase it again. I hope to find offers in the range of 3000 to 4500 dollars. And, chose direct billing. More expensive but less hassle.
Hi! Alex mentioned that PacificCross offers policies for up to 90+.
I’m 72 / 73 in November/. Went I’ve multiple policies from not just Pacific and according to all plans descriptions covered areas US seems to be excluded!!
Am I wrong?? If not what would be Alex suggestions ?
Trying to apply for O-A visa and health insurance is one of the requirements!!!
Would appreciate a lot for response!!🙏🙏🎈
PSEmailed Alex !! 1 st email failed but emailed him 2 time and looks like email went through!!🙏🙏
Hey Tony, good evening! What’s the best way to reach you locally? Arrived a week ago and wanted to pick your brain on a few topics. Thanks
Email is on the about page. 👍
Michael, if I come over for 180 days a year, should I take out travel insurance or local health insurance
The agents email is in the description.
Where are you the other 180 days would be my question. If you are at your home country with good insurance there in effect, take travel insurance and if something goes wrong with your health, go home.
As in way too expensive for people over the hill. I saw a video where the person said to set aside money and just pay out of pocket. It’s way cheaper than paying like 12k a year or more.
Of course it is. Nobody is giving you a $1,000,000 life insurance policy at 85 either... that's how life works.
Hi! Alex mentioned that PacificCross offers policies for up to 90+.
I’m 72 / 73 in November/. Went I’ve multiple policies from not just Pacific and according to all plans descriptions covered areas US seems to be excluded!!
Am I wrong?? If not what would be Alex suggestions ?
Trying to apply for O-A visa and health insurance is one of the requirements!!!
Would appreciate a lot for response!!🙏🙏🎈
How are "pre existing conditions determined? And by whom?
His email is in the description.
It's anything that has existed prior to the policy. So.. if you have athsma, nothing related to athsma is covered. If it has existed before at all, it is not covered in the future is the normal standard it seems.
Hi Tony, Thx for sharing, so helpful. Do you have an email I can reach out to you? Couldn’t find the find the info anywhere via your CZcams Description nor from any clip….I need to book an one on one session with you, thanks.
Hello there, the link for one on one is on the Buy Me a Coffee Link in the description 😊 www.buymeacoffee.com/narrowgate
In europe norway it costs like 55 dollars a month for a full health insurance for a person over 40 or 50 , i dont grasp the astronomical prices in thailand..... i thought thailand would be cheper that eu nations.. nothing makes sense , like how much does it cost a month for say a 50 year old in thailand a month ?
It’s cheaper compared to the United States, but probably not your area of the world.
@@TheNarrowGate Yeah i dont get it , why norway as the most expensive country in the world has like 10 times cheaper health insurance
Hi I know this has nothing to do with the topic but, does getting a visa and renting out a condo mean you are a resident?
Yes in the sense that if you want to buy a new car for example, you can get a residency certificate as part of the required documentation. It does not mean you have permanent residency for Immigration purposes. Permanent residency is is an immigration classification that it fairly difficult to get and it is also not citizenship.
Not a resident but a foreigner with a visa.
...But everything cost money of course...
Pacific Cross Health Insurance link please 👍
It’s in the description
pacificcrosshealth.com/
Pacific Cross ist teuer und nicht zu Empfehlen. 4 Jahre bezahlt ( 260k Baht) ohne sie zu beanspruchen. Dieses Jahr mussten sie 350k Baht für KH bezahlen. Prozente gingen verloren, aber das ist ja Normal. Dann noch 25% Erhöhung des Monatsbeitrag.25% mehr, bei eine Zahlung von 90k Baht. Wow
Most of the advance countries of the world will not allow health insurance companies to base the price of health insurance on age or health conditions of the individual.
Southeast asia is one of the last places on earth to allow these to companies to get away with this. 😅😂
I'm 67 and have Medicare & Medicaid which covers most everything here in the USA. Will my insurance I have here will it work in Thailand . . . Thanks
I don’t think it does. 😢