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Author Topic: Can I get Expat Health Insurance in Thailand  (Read 1454 times)

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Offline vanbrit

  • New Member
  • Posts: 1
Can I get Expat Health Insurance in Thailand
« on: June 29, 2018, 07:38:18 pm »
I am a POZ Canadian Expat living in Thailand. Is it possible to get Health Insurance? Willing to accept exclusions. Any recommended companies or brokers willing to insure me? I am a 58 year old healthy male diagnosed and stable since 2003 on ARV treatment  for over 15 years.   

Offline Expat1

  • Member
  • Posts: 257
Re: Can I get Expat Health Insurance in Thailand
« Reply #1 on: July 06, 2018, 05:39:06 pm »
No you cannot get expat insurance that will cover your pre-existing condition.  That said, HIV treatment is cheap for first line medication.  Note that Thai insurance has a specific limitation that will not cover any HIV or STD infections. 

If  you work for a Thai company and get covered under Thai Social Security, you will be covered for HIV even pre-existing.  However you will get the standard Thai drugs, and tests according to Thai National Standards.  (Example: Once Annual Viral Load testing, generally no genotype testing.)

You can get Accident insurance, and you are more likely to die from a motorcycle accident than any complication of HIV.  An accident only policy is around $75 per year.

Offline TH_guy

  • Member
  • Posts: 12
Re: Can I get Expat Health Insurance in Thailand
« Reply #2 on: August 08, 2018, 01:13:40 pm »
Hello Expat1,

But if I don't care too much about HIV cover and HIV-related diseases, I can get insurance and cover everything not about HIV? Or If i get accident insurance they will cover car accidents or motorbike, if they will know I have HIV?

Offline terrymoore

  • Member
  • Posts: 480
Re: Can I get Expat Health Insurance in Thailand
« Reply #3 on: October 12, 2019, 05:10:33 pm »
Hello Expat1,

But if I don't care too much about HIV cover and HIV-related diseases, I can get insurance and cover everything not about HIV? Or If i get accident insurance they will cover car accidents or motorbike, if they will know I have HIV?
I now this is is old...if still relevant, the answer is YES. If you do not plan on using the insurance to cover HIV related treatments then you will have no problems. I would not mention your condition to the insurance company.

Offline daveR

  • Member
  • Posts: 125
Re: Can I get Expat Health Insurance in Thailand
« Reply #4 on: October 12, 2019, 09:43:43 pm »
I will add my findings to this. As soon as you mention HIV they turn you down. Every company I have contacted so far, local Thai and international have done so for medical insurance. I suspect if you do not inform them of your status and then have a major health issue, cancer for example, they will drop you like a hot potato.
I get accident insurance from my Thai bank.

Also this is now becoming an issue for us retirees in Thailand as it looks like health insurance is all ready required for some visa types and I assume will be required by all retirement visa extensions soon.

Offline Mindless

  • Member
  • Posts: 194
Re: Can I get Expat Health Insurance in Thailandnd
« Reply #5 on: October 14, 2019, 10:34:40 am »
I will add my findings to this. As soon as you mention HIV they turn you down. Every company I have contacted so far, local Thai and international have done so for medical insurance. I suspect if you do not inform them of your status and then have a major health issue, cancer for example, they will drop you like a hot potato.
I get accident insurance from my Thai bank.

Also this is now becoming an issue for us retirees in Thailand as it looks like health insurance is all ready required for some visa types and I assume will be required by all retirement visa extensions soon.

Hi Dave and all,

this is an especially interesting subject to me (and anxiety generating), as an expat living in Thailand. So, you only have accident insurance? No health coverage? May I ask what do you plan to do in the unfortunate case (will never happen of course) that you a get a serious health issue?
Iím not retired, Iím employed by a company that also pays my health insurance: for this reason I never disclosed to the insurer my status and use the coverage only for not hiv related problems and pay all the rest out of my pocket. Still, I wonder whatíll happens if the worst happens and I get something serious (cancer, surgery). Iím living with this uncertainty and canít find a solution but movng back to my own country (Europe) where I should get cheap health coverage (including hiv) and no need to hide status from the system. Of course, this is a very big step involving getting a new job etc etc... something Iím not sure Iím ready to face right now.

Any thoughts or similar experiences to share?

Hugs

Offline daveR

  • Member
  • Posts: 125
Re: Can I get Expat Health Insurance in Thailand
« Reply #6 on: October 15, 2019, 01:13:02 am »
Hi Mindless

I have had two surgeries whilst living in Thailand. Pre HIV days. I paid cash for both of them. My plan is to do the same in the future unless it is something major like cancer. Then I would have to evaluate my options and probably return to the UK for treatment. Hospital costs in Thailand vary greatly. I had an accident in 2001 and was taken to the Pattaya Memorial Hospital with a broken pelvis. An operation and 4 week stay was only 120,000 Baht. Four years later a smaller operation but done in the Bangkok Hatyai Hospital with a 3 day stay cost the same. Just have to pick the hospital that fits your price range. Or at least that is my plan going forward.
I going to get insurance as I think it will be a visa requirement soon and just not disclose my status. Probably be ok for minor out patient treatment.
I don't stress over it, no point. I have saved money for a rainy day, just hoping it never comes.

Dave

Offline Mindless

  • Member
  • Posts: 194
Re: Can I get Expat Health Insurance in Thailand
« Reply #7 on: Yesterday at 09:23:08 am »
Thanks Dave,

thatís helpful. Iím considering my options. One is moving back to my home country (Europe). Not sure if itís the recent flare of depression which is ďtalkingĒ me into that or eventually facing the reality of my situation after the initial shock of the dx.


Offline Expat1

  • Member
  • Posts: 257
Re: Can I get Expat Health Insurance in Thailand
« Reply #8 on: Today at 03:35:28 am »
I obtained cover about 12 years ago prior to becoming positive.  I have used it 4 times, once for an operation, once for a covered diagnostic procedure, and twice for ER for stitches. 

The cover was fine.  I know it will not cover HIV.   It is a specific exclusion as are all STDs.   


 


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