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Medical Insurance in Thailand - Information for TEFL Teachers Thailand
Health insurance with adequate coverage is something you cannot
afford to be without in Thailand.
The foremost name in health insurance is undoubtedly BUPA/Blue Cross
in Bangkok, specialized in dealing with foreigners.
The company doles out extremely attractive ‘package’ rates for schools
and colleges are concerned, provided the institution has considerable
numbers of prospective clients wanting to take advantage of health
cover However, most of the employers sign up for the cheapest package
for the sake of placing it on the offer package.
BUPA, like most of the other health insurance companies, offers a
fairly straightforward range of packages named after gemstones - Ruby,
Sapphire, Emerald and Diamond. The difference is in the amount of
given in the areas of room and board, general expenses, surgical fees,
doctor’s visits, OPD, and emergency accident. It is advisable to
upgrade a cheaper package offered from the school to a better version,
by paying some from your own pocket.
Yet another Insurance provider ‘Health’ was started by a group of ex-BUPA
Blue Cross executives. Perhaps their premiums are certainly a good ten
per cent cheaper than BUPA’s as well. Another name that often crops up
in health insurance circles, and the company that many Thai people
use, is AIA (American Insurance Association) However, this company
specializes in health insurance/life assurance/sick pay/saving plans
all rolled up into one convenient bundle.
There are several different medical insurance policies offered. I have
seen policies with maximum coverage ranging from 15,000 baht per claim
up to 600,000 baht. 15,000 baht won't actually go very far if you are
admitted into hospital overnight. 600,000 is more than ample for a
long stay. Somewhere in between would be adequate.
Medical care is very good in Bangkok - at the private hospitals where
you must pay. Generally speaking, public hospitals are not quire up to
the same standards and Westerners might want to avoid them as you
might have to wait a long time for treatment. Health card with the
convenience of a credit card facilitates in cashless hospitalization
benefit. When you check out of a hospital, you simply present your
card to the billing department and you leave the hospital to face the
rigmarole of claim settlement. However, the hospitals ensure whether
you have the necessary funds or insurance cover before commencing the
course of treatment.


