Meds, Mind, Body & Benefits > Insurance, Benefits Programs & HIV

Health Insurance in Thailand

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Dream9:
Is it possible to get Health insurance coverage in Thailand for foreigners with HIV?

BKKKevin:
The Thai insurance companies pretty much deny coverage for any preexisting conditions… Even a healthy individual with a high BMI is precluded…

My strategy has been a mix of coverage and just paying myself

First I keep my home country (US) in place with full medical coverage - With Obama Care I get it for a very reasonable price ;-)…

Next I have a long term medical insurance policy from a UK based company for $50k of medical coverage anywhere but the US. I am not advocating this company to anyone as I have never had to file a claim… I pay less than $1,000 a year for some piece of mind…
https://quote.worldtrips.com/AtlasTravel/Home

Here in country I have a car and motorcycle with CLASS ONE insurance that has medical insurance in case of an accident… I can not stress enough that if you are on a motorbike have CLASS ONE insurance with medical, It is easy to get and cheap… The single most reason you will end up needing medical is because of a motorbike accident.

Also I have a basic accident policy that is not medically underwritten… It’s small amount but only costs a few hundred dollars a year and again I not recommended this company as I’ve never had to file a claim but it will give you an idea of what’s available…
https://www.roojai.com/en/

Basic medical care is relatively cheap and I’ve always paid out of pocket… My HIV care consists of bi annual bloodwork and doctor visit that cost about $250 each…. My meds cost me ~2,000 baht a month which is about $60 usd… You can get meds for half that price at the Red Cross clinic in Bangkok… (Search this forum for more details) Here is a link to the HIV meds that are generally available… https://th.trcarc.org/medical-service/

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