Hi . I am 73 and have lived in Thailand for 4 years in a rural area with my gf and very near her family in a house we have built. last December i slipped in the bathroom and fractured my hip (very painful ) Local ambulance took me to government hospital ( no big private hospitals near where we live) was in hospital a week and had leg/ hip pinned internally . Hospital treatment was v good and considerate and the surgeon was fantastic. Three follow up visits to hospital. Total cost 60,000 thb or £1500 . Im telling you this to give another perspective to your story. I know from experience from when i lived in Pattaya how expensive Bankkok hospital Pattaya is
I am 73 also moved to Pattaya a month ago, started checking on insurance my god so expensive some of the quotes are as follows for in patient only. Ranged from 230,000 baht to 114,000? All these companies have not stopped calling and messaging me? I wonder why?
Thx for your views. The way I see it is Medical Insurance companies now have questions that the person wanting insurance has to fill out. The questions are designed so the company can and will disqualify people even when they have valid insurance claiming the insured person lied or misspoke about their pre existing conditions and or lied or misspoke about the questions themselves, and will not pay, even though the insured person was honest and forthright in answering questions. I wonder how many people would say for a major medical situation the insurance company paid out no problem and what the name of this company is.
The leading cause of death in the world is heart disease and I think you said that when you went to the two hospitals in Thailand they asked for your passport details, so you are recorded on the Thai healthcare system as someone who has a heart issue (even though you were misdiagnosed) - the likelihood of you getting any cover for heart disease I would have thought is pretty slim. You already know that you won’t be covered for anything to do with your blood clot problem. The second biggest killer is cancer and although I don’t have any medical training, my understanding is that people generally don’t die overnight because of cancer and so you should be able to get a flight back to the UK for treatment. So, is it worth paying a big premium for cover knowing in the back of your mind that you won’t be covered for heart disease and that the insurance company will take any opportunity they can to cancel your cover. Even the ambulance driver will take a foreigner to the most expensive private hospital because that’s where they get the biggest fee and I've heard that private hospitals will provide treatment you don't really need to bump up their bill. You need to take steps to lead a healthy life, get yourself medically tested and don’t take any unnecessary risks (skydiving and so on) while still enjoying yourself in Thailand.
His problems are from the vaccines not his lifestyle. But you should be taking lots lots of vitamin C and zinc and turmeric for your inflammation. Also quercetin you can buy all of them easily get turmeric with black pepper already mixed in.
You make a fair point. Back in Thailand for 12 months in October with the wife. The biggest upfront cost by far is Health Insurance. Use a local broker after getting a general idea on Mister Prakan. Used Pacific Prime in Bangkok, who were excellent. I’m 64, she’s 60. No preconditions. Realistically 5M of cover and 8000THB a day for your room is about par. Outpatient treatment is fairly reasonable but the premium isn’t much more surprisingly if you choose to include it. Took a Pacific Cross Maxima plan inpatient + outpatient 5M THB cover, no excess @ 160.500THB (£3650) for us both, which covers you all over the far east and repatriation. Took a few days for the underwriters to sign it off. A Good Company, solid cover with a decent reputation. Premium I thought was fair and reasonable. I would strongly advise anyone choosing this route however, to declare any preconditions whatsoever.
Yes mate, i don't have medical insurance in Thailand. I will have to return to the uk if i become ill, i will pay for minor medical problems in Thailand.
I’m firmly in the ‘you must insure’ camp. I’m 50 now and 15 years ago I was hospitalised in intensive care in Thailand for a month. And then had to be repatriated whilst still in intensive care conditions. Total cost was well in excess of £300k. Anything can happen, and I’d never be in Thailand without insurance (even with a £6k excess). Albeit I was both very unlucky; and also somewhat lucky to still be here. Get insured, no ifs, no buts. If you get in deep water over there, you’re screwed. Best of luck with your results, and either way …. ‘Live the Dream’ 👍🏻
@@AuntyJack123 I was out on a night out and got caught in a fire. The building I was socialising in burned down. I was in ICU for a month, ventilated, had a tracheostomy and treated for 30% 2nd and 3rd degree burns. Albeit luckily, you’d hardly know now. That said, without the travel insurance I’d have been wholeheartedly screwed.
@@ollaum I'm sorry to hear about this very unfortunate turn of events in your life. I hope you are fully mended. By chance was this the fire at the Tiger (I think) disco off Bangla Road in Phuket?
I self insure because I am non smoking fit guy. Insurance over 20 years would cost million of baht. OK I take a risk and if I get something serious I am a goner. But I would rather my Thai wife gets those millions to take care of her retirement.
I'm 65, my wife is 61, we are returning to Thailand in November, so I looked into travel insurance, I checked several and the best for the two of us, for two months, with no pre-existing cover, for a single trip was £671.93. But we are going to Thailand for two months, across into Malaysia for a couple of weeks, then back into Thailand for two months. So by the time its finished, its knocking up to £1800. That's more than our flights! I've been to Thailand 10 times. Last time I got a throat infection, cost me less than £10 to get it sorted! Always had insurance, so if we don't this time, sods law!
Im 65 im retiring today (uk) and off to Thailand next Wednesday. I have high blood pressure, im a year recovered from prostate cancer, have sarcoidosis which lead to glaucoma.....what chance of me getting medical insurance ?...none thats affordable or will cover hardly anything....I will use government hospitals....today im fit and well..... tomorrow who knows. But lifes for living....yes im self insuring and its a worry but life is for living and i do my best to lead a healthy life ...no booze or cigarettes, exercise and eating well and staying positive.
Hi Steve, I had a TIA in the UK last year in April . I haven't been away from the UK since . However i intend to go to Thailand for three months this winter . The stroke association website in the UK recommend UK insurance companies . Also a lot of good advice from people who still travel following a TIA , Stroke , and blood clots . My quotes for a 3-months trip are not too bad mate.
Why dont you inquire about insurance locally when you are back in Thailand? There are companies such as Jack Levy at Macallan insurance in pattaya that could possibly offer a more competitve quite/rate/package suited to your needs, out patient / in patient coverage, what preexisting conditions you may want to have covered such as your clotting issue. I also know of a few people that are with a company called Pacific Cross in Thailand. The only thing you need to keep mind of is how the premiums increase over your age and or claims. further to this if the coverage is per case or per year. Ideally you would want a minimum of 3 million baht coverage. You might also want to check with the government and private hospitals for quotes on certain proceedures. It wouldnt chuck it all in the bin right away, I do think you may find an option that can suit your needs and budget to at least give you some piece of mind.
@@welshboywebby that being said, I do hope you are feeling better and stronger. Will be in Patts during November. Hope to be able say hello at some point but only if convenient. Stay safe.
Just set aside some money so they can patch you up in thailand and fly home. Go to Bangkok hospital and ask for the price of the most common prozedurs and your health condition. They have a paket of checkups starting I think 3600 Baht. Then you can ask for the Prices of eventuall future risks. I know little bit weired writing but english is not my first language
I can tell you for Americans who are working, insurance for a family costs $800-$1000 per month. Then if you claim retired your cost jump to $1500 a month without any prior history. Haven't been to Thailand yet, but from what you are saying cash policy is best. Cheers
I'm American and pay a quarter of what you're posting. It's according to who you work for. I work for a State University, so the insurance is cheap. I agree with you about self paying if retiring in Thailand, but I would have a lot of cash saved for emergencies. You never know what's going to happen to you.
I was admitted to a Surin hospital with food poisoning, blood poisoning, gall stones that turned into pancraitus and on top of that I got sepsis in the hospital. They looked after me well for 8 days, with the last 3 days in a private room. I had no insurance... I paid 36000Thb cash with my credit card. What a good result. Thankyou Thailand.🇹🇭
I'm 57 and have had a Aortic Valve replacement and triple bypass (valve was something I was born with but not replaced until I was 54, bypass was not urgent but surgeon said "while we have bonnet up" ) now by my reckoning all my plumbing is new so I reckon I'm at less risk of a heart attack than most 18stone blokes of my age,Thai insurance quote was £4500 a year
Hi Steve, Dave here from Cardiff... Ive recently just starting watching vlogs by an american, his chanel is 'Balloon Chaser'. I wanted to mention his chanel for two reasons - 1) hes just moved into a lovely condo in Jomtien, normally 10k, but cos he paid upfront, they dropped it to 8k. Its worth a look as i know youre interested in that area and for that amount... 2) he has just started looking at various medical insurances and going through a few and comparing everything in detail including, of course, costs. This may be of interest to you. I think he plans to bring out a few vids with the various thai based companies ( as i believe its better to use a company once youre in thailand rather than UK ) showing the comparisons and which ones he opts for and why... It may be worth a look, providing you can cooe with his annoying twangy accent! lol Look after yourself! I hope to get over to Bridgend soon & meet you for a coffee chat!!
I guess one could always just role the dice so to speak. In some severe case a medical flight may be required and these can very expensive. Enjoyed your video today, thanks.
That's a ridiculous amount of money. I've heard across YT channels that it's better to get medical insurance when you get to Thailand. I don't know how true that is... I will be travelling in Malaysia as well, so I need to think about something that will cover me in both places. I will certainly get accident insurance and basic travel insurance for theft etc. Other than that I'm not sure what I will do. Les at 'retired and living the dream' has good advice on his channel about insurance.... I subbed this morning.
WR life in Thailand,, I'm 66. 35,000 baht. Any hospital, in patient only for 80.000 $ (about 2.7 million baht) zero excess.. same company my wife (Thai) got up to 5 months cover £320... Covered in all country's.
I hope you have good success with them. I almost went with them, and then thought to look at the Google reviews. One of the commenters pointed out that many of the positive reviews seemed to have the same grammar and syntax to them, implying that they are not legitimate reviews. I took note and came to the same conclusion. I'd been in discussion with one of their agents. I had his profile photo from facebook and noticed that in the Google reviews was a glowing recommendation from him.....the agent himself presenting himself as a client. Perhaps his post was legit, but I had my doubts as this point. The negative reviews were abysmal. I decided to pull the plug on my application with them and go with Pacific Cross for both me and my girlfriend. More expensive by about 50% over W-R, but MUCH cheaper than paying monthly in the US. I had to go with my gut on that one. I sensed some sketchiness afoot and decided against. I've not needed my insurance at all since i've been retired here, and hope that is the case for a long time.
As a person over 70 years may be impossible to get insurance or if so, God knows how much it would cost. If I moved to Thailand I would hole 800,000 thi bath, as per requirement for retirement visa or more in my Thai bank as a safety net to cover any emergencies. For now, I only visit Thailand for 2 months every year.
Do some research and take the insurance in Thailand. Some companies have 40,000-100,000 deductible deals which keep you partly self-insured but help if the worst happens. AXA and Pacific Cross etc
Hi Steve a lot of good advice on here . I had a TIA last year in April . I've had quotes and questionnaires from UK based insurance companies , i answered the questions honestly . 6 months (since the TIA ) is the critical period they seem to be interested in . If a min. 6 months has passed the risk is normalised .Also what medication you are taking . All quotes i have received in the UK for a 3-months trip this winter are in the same ball park and quite reasonable .
I’m the same as you mate. Been in Thailand for 7 months now with no insurance, never been ill so i don’t even think about insurance. I’m going to see what quote I can get.
i agree 100% with u, ive never had insurance all the times ive been going thailand, its a minefield and ur paying out big money not sure if ur covered and u gotta pay that excess, do me a favour what a con
medical insurance and travel insurance are 2 separate things, if you are going out to Thailand for 2 weeks or 2 months, yes travel insurance, but if you are living in Thailand medical insurance
I've looked at a few health insurance companies in Thailand and even with a bigger deductible it's still very expensive. We're using travel insurance for 12 months including a few SEA countries. Then they can decide if it's best to medically repatriate or not back to Australia.
I pay $1200 for insurance with Pacific Cross here and I only have a 40,000 bt deductible. Haven’t had any issues using it. I’m 64 so I I’ll probably keep it even after my US Medicare kicks in in case of a heart attack or stroke. There’s also a lot of crazy things that can make you sick here or unexpected conditions that arise. It’s so cheap to just have it as I’d pay $1500 a month in the US and would have a $6000 plus deductible. Mine also covers my eyes and dental which has already paid for itself.
But if u didn’t insure yourself then the thai hospitals won’t treat you as you found out before?? Plus Bkk Pattaya hospital is very expensive if not insured for anything serious….I’ve seen that medical insurance wen living in Thailand can be about 70k bt up for the year if your living there…depending on pre existing medical conditions etc…best sorting it out there if returning to Thailand long term….Jst pay basic travel insurance fr UK until you get it sorted out.
According to an insurance agent Thailand Bound spoke to 2 million Baht would cover the vast majority of claims. Excluding the likes of cancer or other long term illnesses. You would however have the opportunity to return to the UK for treatment for those. Assuming you maintained residence status in the UK. It is a gamble not having insurance. I would get quotes from Pacific Cross and others.
In your livestream of Friday evening, you said that when you returned to the UK from Thailand you went straight to A&E to find out why you were so sick, you then had a blood test that indicated that you had a blood clot, then you had a scan to find out where the clot was and how big it was. I think it would be a good idea when you go back to the hospital to find out what the name of the blood test was (could be a D-dimer test) so that you can get the same test done when you return to Pattaya. This might help to put your mind a rest when you return that you won’t get into the same dire situation that you were in before. I don’t have any medical training - these are just my thoughts you might want to consider. One of the good things about Thailand is that you can go to a clinic and get all sorts of tests done at a fraction of the price you would pay in the UK. I am prediabetic myself, so when I go to Pattaya one of the first things I do is to get a general blood test, a cholesterol test, an HbA1c test and a fasting insulin test. I know that the NHS is not going to do anything about my diabetes problem, so I have to take matters into my own hands.
Another thing you could do is to ask the hospital or your GP practice to print out the test results for you, then take a photo and keep it on your phone for future reference.
You don’t crash a car then try to insure - get yourself covered in advance of any issues. I work in health and the average cost of cancer treatment in the uk is about £35k but sometimes the treatment can go over £100k - I agree a £6k+ excess is crazy but still cheaper than most treatment. In terms of pre-existing conditions, it’s usually things from the last 5 years that are initially excluded (bone breaks usually don’t matter as a new break would be something new). One major thing to be aware of is related conditions are usually excluded too - simple example being, if you have high blood pressure one of the most common conditions linked to it is stroke so that wouldn’t be covered. A lot can be linked to a clot so be careful what you sign up for, if you sign up for anything
Hi Liam , good point. , I had a TIA last year in April . I've had quotes and questionnaires from UK based insurance companies , i answered the questions honestly . 6 months (since the TIA ) is the critical period they seem to be interested in . If 6 months has passed the risk is normalised .Also what medication you are taking . All quoteS i have received in the UK for a 3-months trip this winter are in the same ball park and quite reasonable .
@@steveuk8816 hopefully you’re on the mend, most companies view TIA on the lower end of the risk scale but make sure you understand what is and isn’t covered. Last thing anyone wants is to be stranded in an emergency. £6.6k excess is a lot but if it’s that much to save a life it’s worth it - he might not be fortunate enough to make a flight next time
Hi Liam ,thanks for taking time to reply ,much appreciated .I was lucky i had excellent treatment at N.Tees hospital . Vascular surgeon looked at my MRI scan last year , no need for operation on my neck artery , only on medication for BP, Cholesterol etc. Follow up excellent , BP ok now , Cholesterol down . Crazy thing is , i used to scuba dive , i emailed the vlogger Bobby , from "sailing doodles " he had a stroke which ended his career as a private pilot . He was hospitalised . But he continues to scuba dive in his sailing videos . I've been advised not to dive anymore ??
Where did you get the accidental cover for your bike and is it a UK or THAI license as I am wondering if I should try and get a bike license before going to Thailand this year?
@peterphillips7193 what ever you can drive in the UK, you can drive in thailand, take a international driving license with you from the post office, no need to do a test then just change it over, watch my video on driving licence
Why dont you apply for more credit cards while you are in the UK. Use them each month for very small purchases but keep them as an emergency bank. Then get the insurance you like if the out of pocket is 6,000 pounds use those cards to pay it. Get the healthcare then just dont pay the cards. Screw the banks your credit on those cards will be bad. But you will still have your other credit cards you didnt use that are still good. And you will be in Thailand so wont get the annoying phone calls from collectors. Think outside the box you will still be alive and gotten treatment.
Best insurance middle aged upwards apart from travel insurance is try to never sell your Uk home or surrender Council one if any. If you have too, try make sure you have a solid address via close friend or relative that you can come back too in case of emergency.
I retired and moved out of wales to Thailand over a year ago. I'm 60 and I've taken the self insure path, as you said, they'll deny your claim over the slightest discrepancy. I have to keep 800, 000 baht in a Thai bank account as part of the retirement visa rules, If the worst happens I'll use that and use a visa agent to obtain my next visa.
I`m in my 60s and I pay approx 50k Baht for 5 million Baht cover, the access is 40k baht, I had no existing conditions to declare. I've never had a claim so I don`t know how good it is. But I do use a well known local broker who has been here 30 years. If there`s a problem he acts on your behalf and has a lot of sway with the insurance companies.
You can’t rely on it’s okay I can always fly back to 🇬🇧 attitude , if you need any convincing watch old videos of Kevin in Thailand who had the same ideas until he caught cancer and was financially ruined in months
My husband and I are 70 and 67 years old. We have been living in Albania for the past 4 years and are heading to Thailand in October. Life is cheaper overseas, but medical insurance has been a stressor. We were covered by Cigna Global, but I recently cancelled it. We were paying $600 per month for coverage that was inpatient only and did not cover preexisting conditions. I finally decided why pay for it? In 3 and a half years we paid them $25000 and received nothing. We are both diabetic and I figure if anything major had happened they'd have found a way to blame it on our diabetes as a preexisting. Medical care is so inexpensive overseas I don't understand why insurance costs so much. Everything we've needed we've paid for out of pocket. My husband had to see the doctor (outpatient - so not covered). The cost of the doctor visit including an ultrasound AND a free follow up visit was $50. He also had to be hospitalized once for 3 days in a private hospital. The cost for the stay including all the doctors and tests was $1200 - our deductible was $1500 so insurance paid nothing. I was hospitalized for 3 weeks in a public hospital and it was free! I still can't figure out how that happened. But all told - free was about what the care was worth - but that's another story. When I checked with Cigna about our move to Thailand they told me that our premium would go up another $150 a month - why??? As we are US citizens, to go home for treatment of anything major isn't really an option. Our medicare copays would probably be more than the cost of paying out of pocket overseas. I agree with you that private medical insurance is pretty much of a scam. Many countries require you to have it to get residency though. I see videos with 30 somethings talking about medical insurance. I just turn them off. I want to tell them, "You know nothing! Come back and talk to me when you're 65 - and that includes The Nomad Capitalist! Thanks for letting me vent my frustrations.
You say insurance is a rip off. The insurance companies do exactly what the casinos in Vegas do they play the odds and statistics. The safe and effective shots are causing so many claims many are on the verge of bankruptcy. If you are going to self insure in Thailand, make sure you budget for a complete health check up at the international hospitals. It costs about 200 quid for complete vitals and a stress test. You need to do that twice a year. And get your blood tested for cancers it costs about 60 quid. Tirbo cancer is at a 1 in a 100,000 year high right now. Its called a delta sigma nine event.
Why are you looking for Medical insurance in the UK? Go to a broker in Thailand. There's many run by ex pats in pattaya and you can get Medical insurance for South East Asia and they all have Line. So you can talk to them direct from the UK at no cost to yourself. You'll save so much with far less hassle
self insurance is only any good if in reality you have huge financial back up..its a bit of a gamble otherwise especially for severe heart problems stroke etc, early big C diagnoses mostly give you a option to come home
@johnatkinson7479 what reason would I need that, think about it if I took that insurance out, I'd still be self insurance the first £6600 plus my cover
64 years of age webby, I have zero problem with Health Insurance Private and im covered where ever in the world i go and i have been Traveling the world for over 45 years.People think they can Travel anywhere in the world without and type of insurance and so be it great but if and when something goes wrong they are the first to say i should have had insurance then a go fund page comes out please donate as this person needs help really.
@@welshboywebby Many do Webby that is the sad truth and to me that is wrong you either have insurance or not but don't expect others to pay for your mistakes many do.
you are rightly deemed high risk to any insurance company thus the high excess. The excess does not come out of your pocket unless you have a very severe issue. Anything minor like cancer, just pay it yourself if its so cheap.
Here in Australia the insurance pre exsisting medical problems only goes back 2 years for most problems but goes back fore ever on heart and lung problems and my excess on my policy is 200 dollars australian and I am covered for every thing including heart problems and I have had heart artery repair done. So there must be better policies than the one you are looking at. I have been going to thailand for 40 years and only started to get insurance after I was about 50 because things can happen after that.
Hi John very interesting , following a TIA (mini stroke ) if you have 6 months with no repeat issues , the premium for a 68 years old for 3-months trip to Thailand, with most UK companies is more or less back to the normal price .
@@steveuk8816 There seems to be a change in most all insurance policies here lately because starting this year you have to list any heart or lung or blood circulation problems that you have ever had and the questionnaire seems to be exactly the same
Just wondering is is better to buy uk travel ins for 12Mo as if you are on a gap year because with repatriation costs at 70k + (in a medivac plane )the high premium charge is a bet. They are betting you dont have an issue and they win . And you are betting you do have one so unluckily you win various comapanies like All clear in uk do existing conditions -- just my 10cents BTW you wuda spent 1000s on a private weight loss clinic looking at you now and before the scare so swings and roundabouts :)
Can you not get some sort of Thai health/medical insurance for expats when you are out the bud? Not sure how that all works but I’m sure if you can it would be a ton load less then you’ll pay in Blighty? 🤷🏻♂️🙏🏻👍🏻
You've got to remember that you only got simple health checks done in Thailand, if you had the treatment that you got back in Bridgend what would that have added up to??
When i was in pattaya i called in to AA insurance and spoke to a dutch guy in charge april International seemed the best of a bad bunch but l had a double hernia op 10 years ago the list of things they wont cover because of it was pretty big you will find it even harder than me.
Mate l could listen to you reading a telephone directory…the Richard Burton of Pattaya!!!😂 Currently there at the moment AND HAVING AN ABSOLUTE BALL!!!🎉So glad you got over your recent medical issues. More power to you mate. Take care now
If you get seriously ill or get badly hurt in an accident, it can very easily exceed £6 600. I would carry on looking for a better policy. Regarding your initial period when you return to Thailand, I would suggest that you use British travel insurance while you look for a better deal on the ground. Good luck.
It's cause you're old bro if you'd been living in thailand past 20 years as i have they cover everything up to 3 mil and i pay what 50k baht a year i'm 43 its a good deal. but you're right it doesnt cover when you travel (nor does your insurance back home) you need to add on travel insurance.
@@welshboywebby yeah over 50 that's why, had you signed up before you hit 50 you'd be on a hugely different deal, just how it works, i'm from australia same thing, that sux mate. No offence bro i'll be calling myself old very soon :)
Hey up Chris. Your illness scare and what happened scared shite out of me. I had 2 months over there last Dec Jan. Back out in Dec for a month. Didn't bother last time stupid I had holiday insurance thru bank for 30 days. No issues. I'm on my second pace maker as well. Anyway I've just gone non all clear website. I'm 64. And I declared pacemaker illness. They quoted me 142 quid for a month 75 excess. I'll have that just in case 12 month is 278 dontnkkow about that one back out in May for a month. Just another one for you to check. Have a good un bud.
Get the 6k insurance. For minor problems just fly back to the UK to get fixed up or just pay it without claiming. If anything major was to happen then 6k is a P%SS in the ocean in the wider picture. It is all good flying back to the UK for medical cover but what happens if you are that bad you are unable to fly or even travel??? Cover your ass. Have the insurance!
I know a guy that did not have insurance and went to hospital in Thailand after a serious accident. The FCO was informed of the accident and the doctor said he must not fly. The bill was a fortune when the FCO was told he did not have insurance they covered the treatment, however his passport was suspended and will not get it back until the bill is paid in full. He was issued with a travel document to allow return to the UK after the doctor gave a fit to fly report. He will never be able to pay it so can not travel The bill was over £90k
It's an eye opener this with big ,6000 pound,I used to pay 100 for month and I thought it covered everything, yeah,made my think as this,£6600,what's the point
Come.across your vlogs on thailand I have got a channel thai traveller and I am based in issan I will say one thing the area you talk about in pattaya, bangkok are notorious for ripping farangs off Check my vlog on thai traveller on immigration a couple of weeks ago then peoples experiences in pattaya there's no comparison I know A man up here had open heart surgery couldn't pay he needed it done and it was done with no charge that had to be done or he's dead We all know why people go to pattaya let's face it same as uk its like going to Blackpool versus whitby just as it is Why do you think most bar girls ,massage parlours alot of women come from issan with the sole aim to get money off farangs thats itand people fall for it Another thing I have to say when in pattaya you are not living a very good life style parties ,booze and women are a disaster for you so why do it again Wish you well mate but if I was you you need to change your outlook or suffer the consequences
So you'd be paying 850 gbp a year for a safety net. Let's say in 10 years you have a surgery that cost 20,000 gbp, you've paid to insurance at that point 8500 gbp then you add 6600 gbp for excess = 15,100 gbp, saving you 5000 gbp. The savings go up the higher the bill ofc. It's basically a safety net for the big disasters. - WW
@@welshboywebby Yes and you've got the complexity of some preexisting conditions. Might help to sit down with a trusted agent in person who can walk you through some options on paper. The harder part might be finding a trusted agent 😆 - WW
I'd like to know any agent that's not in it for themselves, first & foremost. Too many people ripping expats off & many of them are other expats taking advantage.
I think...is not feer.???or it is.?? Litle money litle music. Same in Bar... isn't it? But in Bar, you can spend 200 EUR a day and there is not a problem? That's the problem of many expats. I am coming to Jomtien from 2019, usual for a month or two so I know the storry a bit.
I got one mate it’s called cover for you I have been 2 times this year to Thailand mate and as you know I my off in September I have used these the 3 times on my first visit I come down with the flu really bad I was wet to soi 4 hospital were I had fluids and antibiotics pumped in to me one night stay in the hospital insurance paid out to the hospital next day I have got the gold one with no access to pay cost me this time £105 for 3 weeks give them a try
Steve its Pete from City Garden Tower i think you need insurance so much can go wrong apart from heart problems here. i am with WRLIFE in Pattaya and l think these are the best. l pay 6700 baht a month but l am 70 its worldwide ( not US ) but no access and no increase after one year if interested l will forward contact details
Not being an ass, but you wait until you have a medical emergency and then expect cheap insurance? I’ve paid non increasing (age doesn’t raise the cost) for 20 years, no excess… it ain’t cheap, but I think a good investment… why would anybody bother paying it if you could just sign up when your in crisis?
Cheers, but one question how can they put the insurance up like that, when they won't cover the things that are wrong with you anyway, surely that's not right
I think Webby thats quite reasonable... what did you say around £800 😂 .... thats VERY good, HAHA the £6600 is only because they seen your a customer of The Castle
I’m afraid the facts are you are high risk now, even though they discount the recent incident you still get risk scored because of it. Sorry to say, people who have 1 large incident are at more risk of others. If you are going to self insure you need a minimum of £25k and accept that it might go tits up. Finally keep an address in the uk and a footprint here, you aren’t necessarily entitled to free healthcare after being away from the country for a longtime!
Your not insured on motor bike its not worth paper its written on if you have a accident on your motorbike you will be to blame and you will have to pay the thai you crashed in to compensation. Even if not your fault. Because they say you shouldn't of been in thailand and it wouldn't of happened. It's your choice but don't think your going to be that lucky next time,. And remember history repeats it's self.
I have got proper insurance for my motorbike, and I've got money if I need to pay for medical bills, the problem is when you ain't got medical insurance and you ain't got the money to pay
If you retire to Thailand and that is your primary residence (e.g long term expat) you are NOT entitled to free NHS care so guys saying oh if i ever have a problem ill just nip back to the UK and get treated on the NHS need to think again. The NHS is a free residency based service not a nationality based service. Always get proper medical insurance to cover you in the country you reside.
If you are a UK national living abroad and are returning to live in the UK, you will be able to use the NHS for your healthcare. You will need to complete a GMS1 form to register with a GP near your home. The first time you have treatment anywhere in the NHS you will need to bring proof that you are eligible for free healthcare. You should bring at least two of the following documents: Residence in the UK, Proof of your purchase of property or a tenancy agreement, Recent utility or council tax bill payment, UK bank account showing recent UK activity, Employment status, Payslip or letter from employer, Bank statement, Unique tax reference number, Documentation from your local job centre to show that you are receiving job-seekers allowance. If you are not ordinarily resident in the UK, you may be charged for NHS hospital treatment. However, emergency treatment is always free and provided immediately regardless of your nationality or immigration status. Hope this clears it up for you. Yes you will get treated if you turn up at A&E but your not entitled to FREE treatment.
My friend you have learnt nothing from what has already happened to you. Self insurance in Thailand is idiotic. If you can afford the £900pa, pay it. If nothing every happens to you fine, you've only spent £900. If you end up in hospital in a coma for weeks and then need a medical repatriation flight, I would guess you are looking £50 -£100k. You can't fly home on Thai Airways cattle class if you need 24/7 care. For people on shorter trips, insurance costs peanuts, with a tiny excess, and most UK insurance companies won't insure you once you are already abroad, probably because that's where more fraudulent claims come from for people who are already sick.
I don't care about the £900 it's the £6600 I have to pay before they part with a penny no thank you, I'm going to look again I'm sure I'll find a better one
Hi . I am 73 and have lived in Thailand for 4 years in a rural area with my gf and very near her family in a house we have built. last December i slipped in the bathroom and fractured my hip (very painful ) Local ambulance took me to government hospital ( no big private hospitals near where we live) was in hospital a week and had leg/ hip pinned internally . Hospital treatment was v good and considerate and the surgeon was fantastic. Three follow up visits to hospital. Total cost 60,000 thb or £1500 . Im telling you this to give another perspective to your story. I know from experience from when i lived in Pattaya how expensive Bankkok hospital Pattaya is
I am 73 also moved to Pattaya a month ago, started checking on insurance my god so expensive some of the quotes are as follows for in patient only. Ranged from 230,000 baht to 114,000? All these companies have not stopped calling and messaging me? I wonder why?
Because they want your money and sod your health, just a guess
This is why I don't get p!ssed, don't get into confrontations, and don't ride scooters in Thailand.
I've got insurance if anything happens on my scooter
Thx for your views. The way I see it is Medical Insurance companies now have questions that the person wanting insurance has to fill out. The questions are designed so the company can and will disqualify people even when they have valid insurance claiming the insured person lied or misspoke about their pre existing conditions and or lied or misspoke about the questions themselves, and will not pay, even though the insured person was honest and forthright in answering questions. I wonder how many people would say for a major medical situation the insurance company paid out no problem and what the name of this company is.
I totally agree with that message
Yes they are a business looking to make profits. I agree with you
The leading cause of death in the world is heart disease and I think you said that when you went to the two hospitals in Thailand they asked for your passport details, so you are recorded on the Thai healthcare system as someone who has a heart issue (even though you were misdiagnosed) - the likelihood of you getting any cover for heart disease I would have thought is pretty slim. You already know that you won’t be covered for anything to do with your blood clot problem.
The second biggest killer is cancer and although I don’t have any medical training, my understanding is that people generally don’t die overnight because of cancer and so you should be able to get a flight back to the UK for treatment. So, is it worth paying a big premium for cover knowing in the back of your mind that you won’t be covered for heart disease and that the insurance company will take any opportunity they can to cancel your cover. Even the ambulance driver will take a foreigner to the most expensive private hospital because that’s where they get the biggest fee and I've heard that private hospitals will provide treatment you don't really need to bump up their bill.
You need to take steps to lead a healthy life, get yourself medically tested and don’t take any unnecessary risks (skydiving and so on) while still enjoying yourself in Thailand.
It's a mine field
His problems are from the vaccines not his lifestyle. But you should be taking lots lots of vitamin C and zinc and turmeric for your inflammation. Also quercetin you can buy all of them easily get turmeric with black pepper already mixed in.
I think very good comments from @goldeneye1227
You make a fair point. Back in Thailand for 12 months in October with the wife. The biggest upfront cost by far is Health Insurance. Use a local broker after getting a general idea on Mister Prakan. Used Pacific Prime in Bangkok, who were excellent. I’m 64, she’s 60. No preconditions. Realistically 5M of cover and 8000THB a day for your room is about par. Outpatient treatment is fairly reasonable but the premium isn’t much more surprisingly if you choose to include it. Took a Pacific Cross Maxima plan inpatient + outpatient 5M THB cover, no excess @ 160.500THB (£3650) for us both, which covers you all over the far east and repatriation. Took a few days for the underwriters to sign it off. A Good Company, solid cover with a decent reputation. Premium I thought was fair and reasonable. I would strongly advise anyone choosing this route however, to declare any preconditions whatsoever.
thank you for the message cheers
That is still a lot of money without any confidence they're going to pay for any claims
Yes mate, i don't have medical insurance in Thailand. I will have to return to the uk if i become ill, i will pay for minor medical problems in Thailand.
That may be the best way
I’m firmly in the ‘you must insure’ camp. I’m 50 now and 15 years ago I was hospitalised in intensive care in Thailand for a month. And then had to be repatriated whilst still in intensive care conditions. Total cost was well in excess of £300k. Anything can happen, and I’d never be in Thailand without insurance (even with a £6k excess). Albeit I was both very unlucky; and also somewhat lucky to still be here. Get insured, no ifs, no buts. If you get in deep water over there, you’re screwed.
Best of luck with your results, and either way …. ‘Live the Dream’ 👍🏻
Cheers mate, grateful for the message
X c 😊
What were you hospitalised for? Did you have travel insurance? Do you know 100% that if you'd had health insurance it would of covered you?
@@AuntyJack123 I was out on a night out and got caught in a fire. The building I was socialising in burned down. I was in ICU for a month, ventilated, had a tracheostomy and treated for 30% 2nd and 3rd degree burns. Albeit luckily, you’d hardly know now. That said, without the travel insurance I’d have been wholeheartedly screwed.
@@ollaum I'm sorry to hear about this very unfortunate turn of events in your life. I hope you are fully mended. By chance was this the fire at the Tiger (I think) disco off Bangla Road in Phuket?
I self insure because I am non smoking fit guy. Insurance over 20 years would cost million of baht. OK I take a risk and if I get something serious I am a goner. But I would rather my Thai wife gets those millions to take care of her retirement.
The comments I'm getting are a mixed bag,I can see both sides
I'm 65, my wife is 61, we are returning to Thailand in November, so I looked into travel insurance, I checked several and the best for the two of us, for two months, with no pre-existing cover, for a single trip was £671.93. But we are going to Thailand for two months, across into Malaysia for a couple of weeks, then back into Thailand for two months. So by the time its finished, its knocking up to £1800. That's more than our flights! I've been to Thailand 10 times. Last time I got a throat infection, cost me less than £10 to get it sorted! Always had insurance, so if we don't this time, sods law!
Im 65 im retiring today (uk) and off to Thailand next Wednesday. I have high blood pressure, im a year recovered from prostate cancer, have sarcoidosis which lead to glaucoma.....what chance of me getting medical insurance ?...none thats affordable or will cover hardly anything....I will use government hospitals....today im fit and well..... tomorrow who knows. But lifes for living....yes im self insuring and its a worry but life is for living and i do my best to lead a healthy life ...no booze or cigarettes, exercise and eating well and staying positive.
Good on you
Can get but wont cover pre existing
Hi Steve,
I had a TIA in the UK last year in April . I haven't been away from the UK since .
However i intend to go to Thailand for three months this winter .
The stroke association website in the UK recommend UK insurance companies .
Also a lot of good advice from people who still travel following a TIA , Stroke , and blood clots . My quotes for a 3-months trip are not too bad mate.
I need insurance for more than 3 months
Agreed. Deductible, out of pocket, co-pay, out of network, max 80% coverage....all before they pay anything in the states.
I’ve lived in Thailand for twelve years as a retiree. Never had insurance. The amount I’ve saved would be how much??????
Bit what if you did fall ill 🤒
Why dont you inquire about insurance locally when you are back in Thailand? There are companies such as Jack Levy at Macallan insurance in pattaya that could possibly offer a more competitve quite/rate/package suited to your needs, out patient / in patient coverage, what preexisting conditions you may want to have covered such as your clotting issue. I also know of a few people that are with a company called Pacific Cross in Thailand. The only thing you need to keep mind of is how the premiums increase over your age and or claims. further to this if the coverage is per case or per year. Ideally you would want a minimum of 3 million baht coverage. You might also want to check with the government and private hospitals for quotes on certain proceedures. It wouldnt chuck it all in the bin right away, I do think you may find an option that can suit your needs and budget to at least give you some piece of mind.
Thank you, mate. I will look when I'm over there
@@welshboywebby that being said, I do hope you are feeling better and stronger. Will be in Patts during November. Hope to be able say hello at some point but only if convenient. Stay safe.
@christhai2508 100%, mate. I'd love to meet up
Just set aside some money so they can patch you up in thailand and fly home. Go to Bangkok hospital and ask for the price of the most common prozedurs and your health condition. They have a paket of checkups starting I think 3600 Baht. Then you can ask for the Prices of eventuall future risks. I know little bit weired writing but english is not my first language
Thank you, I will do that 😊
@welshboywebby Hahaha, and if you have a heart attac in lets say a soapy massage palor, there is no better way to die 😂👍😎
There is no fly home, when your no longer resident. NHS is residence based
I can tell you for Americans who are working, insurance for a family costs $800-$1000 per month. Then if you claim retired your cost jump to $1500 a month without any prior history. Haven't been to Thailand yet, but from what you are saying cash policy is best. Cheers
Thanks for your message
I'm American and pay a quarter of what you're posting. It's according to who you work for. I work for a State University, so the insurance is cheap. I agree with you about self paying if retiring in Thailand, but I would have a lot of cash saved for emergencies. You never know what's going to happen to you.
@@stand.6008 100% agree
I was admitted to a Surin hospital with food poisoning, blood poisoning, gall stones that turned into pancraitus and on top of that I got sepsis in the hospital. They looked after me well for 8 days, with the last 3 days in a private room. I had no insurance... I paid 36000Thb cash with my credit card. What a good result. Thankyou Thailand.🇹🇭
Thanks for sharing 👍
I'm 57 and have had a Aortic Valve replacement and triple bypass (valve was something I was born with but not replaced until I was 54, bypass was not urgent but surgeon said "while we have bonnet up" ) now by my reckoning all my plumbing is new so I reckon I'm at less risk of a heart attack than most 18stone blokes of my age,Thai insurance quote was £4500 a year
Jesus, that's crazy
Oh my so much money!
Hi Steve, Dave here from Cardiff...
Ive recently just starting watching vlogs by an american, his chanel is 'Balloon Chaser'.
I wanted to mention his chanel for two reasons - 1) hes just moved into a lovely condo in Jomtien, normally 10k, but cos he paid upfront, they dropped it to 8k. Its worth a look as i know youre interested in that area and for that amount...
2) he has just started looking at various medical insurances and going through a few and comparing everything in detail including, of course, costs. This may be of interest to you. I think he plans to bring out a few vids with the various thai based companies ( as i believe its better to use a company once youre in thailand rather than UK ) showing the comparisons and which ones he opts for and why...
It may be worth a look, providing you can cooe with his annoying twangy accent! lol
Look after yourself! I hope to get over to Bridgend soon & meet you for a coffee chat!!
Message when you're in Bridgend. I'll defo meet up for a coffee
I had prostate cancer 6 years ago had it removed in Australia do I need to advise these companies of this?
Yes, tell them everything mate.
Even then, they will try to wriggle out of any claims
I would
I guess one could always just role the dice so to speak. In some severe case a medical flight may be required and these can very expensive. Enjoyed your video today, thanks.
Cheers, mate £24000 I've looked at every case and option 👍
That's a ridiculous amount of money. I've heard across YT channels that it's better to get medical insurance when you get to Thailand.
I don't know how true that is...
I will be travelling in Malaysia as well, so I need to think about something that will cover me in both places.
I will certainly get accident insurance and basic travel insurance for theft etc.
Other than that I'm not sure what I will do.
Les at 'retired and living the dream' has good advice on his channel about insurance....
I subbed this morning.
I watched that but its the same , its not really proper insurance its just a sticking plaster to get you home
WR life in Thailand,, I'm 66. 35,000 baht. Any hospital, in patient only for 80.000 $ (about 2.7 million baht) zero excess.. same company my wife (Thai) got up to 5 months cover £320... Covered in all country's.
Cheers ill look it up
I hope you have good success with them. I almost went with them, and then thought to look at the Google reviews. One of the commenters pointed out that many of the positive reviews seemed to have the same grammar and syntax to them, implying that they are not legitimate reviews. I took note and came to the same conclusion. I'd been in discussion with one of their agents. I had his profile photo from facebook and noticed that in the Google reviews was a glowing recommendation from him.....the agent himself presenting himself as a client. Perhaps his post was legit, but I had my doubts as this point. The negative reviews were abysmal. I decided to pull the plug on my application with them and go with Pacific Cross for both me and my girlfriend. More expensive by about 50% over W-R, but MUCH cheaper than paying monthly in the US. I had to go with my gut on that one. I sensed some sketchiness afoot and decided against. I've not needed my insurance at all since i've been retired here, and hope that is the case for a long time.
Just remember, use of the NHS is residence based. Longer than 6 months out of the country you dont immediately qualify
As a person over 70 years may be impossible to get insurance or if so, God knows how much it would cost. If I moved to Thailand I would hole 800,000 thi bath, as per requirement for retirement visa or more in my Thai bank as a safety net to cover any emergencies. For now, I only visit Thailand for 2 months every year.
That's what I'm going to do
over 70 there is u just need to look.
Do some research and take the insurance in Thailand. Some companies have 40,000-100,000 deductible deals which keep you partly self-insured but help if the worst happens. AXA and Pacific Cross etc
Cheers
Hi Steve a lot of good advice on here .
I had a TIA last year in April . I've had quotes and questionnaires from UK based insurance companies , i answered the questions honestly . 6 months (since the TIA ) is the critical period they seem to be interested in . If a min. 6 months has passed the risk is normalised .Also what medication you are taking .
All quotes i have received in the UK for a 3-months trip this winter are in the same ball park and quite reasonable .
I can get 3 months at a good price it's when I want a year at a time
I’m the same as you mate. Been in Thailand for 7 months now with no insurance, never been ill so i don’t even think about insurance. I’m going to see what quote I can get.
you should price it up for sure
Go to Mccallans in Pattaya.
He’s a insurance broker.
Been doing it for years.
Cheers 🍻
i agree 100% with u, ive never had insurance all the times ive been going thailand, its a minefield and ur paying out big money not sure if ur covered and u gotta pay that excess, do me a favour what a con
I'm not paying £6600 before they pay a penny plus the cost of the cover
medical insurance and travel insurance are 2 separate things, if you are going out to Thailand for 2 weeks or 2 months, yes travel insurance, but if you are living in Thailand medical insurance
When do the banksters ever pay out more than they take?
Dumb and dumber people that self insure.
I've looked at a few health insurance companies in Thailand and even with a bigger deductible it's still very expensive.
We're using travel insurance for 12 months including a few SEA countries. Then they can decide if it's best to medically repatriate or not back to Australia.
It's crazy this medical insurance 🙄
I pay $1200 for insurance with Pacific Cross here and I only have a 40,000 bt deductible. Haven’t had any issues using it. I’m 64 so I I’ll probably keep it even after my US Medicare kicks in in case of a heart attack or stroke. There’s also a lot of crazy things that can make you sick here or unexpected conditions that arise. It’s so cheap to just have it as I’d pay $1500 a month in the US and would have a $6000 plus deductible. Mine also covers my eyes and dental which has already paid for itself.
Now that's a better price. I'd pay that for sure
Sounds a great deal
I heard Pacific Cross is dodgy too
But if u didn’t insure yourself then the thai hospitals won’t treat you as you found out before?? Plus Bkk Pattaya hospital is very expensive if not insured for anything serious….I’ve seen that medical insurance wen living in Thailand can be about 70k bt up for the year if your living there…depending on pre existing medical conditions etc…best sorting it out there if returning to Thailand long term….Jst pay basic travel insurance fr UK until you get it sorted out.
Thats my plan
According to an insurance agent Thailand Bound spoke to 2 million Baht would cover the vast majority of claims. Excluding the likes of cancer or other long term illnesses. You would however have the opportunity to return to the UK for treatment for those. Assuming you maintained residence status in the UK. It is a gamble not having insurance. I would get quotes from Pacific Cross and others.
I have they were bonkers money over £4000, you will always get emergency medical cover in the UK
In your livestream of Friday evening, you said that when you returned to the UK from Thailand you went straight to A&E to find out why you were so sick, you then had a blood test that indicated that you had a blood clot, then you had a scan to find out where the clot was and how big it was. I think it would be a good idea when you go back to the hospital to find out what the name of the blood test was (could be a D-dimer test) so that you can get the same test done when you return to Pattaya. This might help to put your mind a rest when you return that you won’t get into the same dire situation that you were in before. I don’t have any medical training - these are just my thoughts you might want to consider.
One of the good things about Thailand is that you can go to a clinic and get all sorts of tests done at a fraction of the price you would pay in the UK. I am prediabetic myself, so when I go to Pattaya one of the first things I do is to get a general blood test, a cholesterol test, an HbA1c test and a fasting insulin test. I know that the NHS is not going to do anything about my diabetes problem, so I have to take matters into my own hands.
Cheers mate for the message, I've got a letter to take to the hospital when I go back to Thailand, I have to get tests every 6 months
Another thing you could do is to ask the hospital or your GP practice to print out the test results for you, then take a photo and keep it on your phone for future reference.
You don’t crash a car then try to insure - get yourself covered in advance of any issues.
I work in health and the average cost of cancer treatment in the uk is about £35k but sometimes the treatment can go over £100k - I agree a £6k+ excess is crazy but still cheaper than most treatment.
In terms of pre-existing conditions, it’s usually things from the last 5 years that are initially excluded (bone breaks usually don’t matter as a new break would be something new).
One major thing to be aware of is related conditions are usually excluded too - simple example being, if you have high blood pressure one of the most common conditions linked to it is stroke so that wouldn’t be covered.
A lot can be linked to a clot so be careful what you sign up for, if you sign up for anything
If I had car insurance, I surly wouldn't be expected to pay fir the damage, this medical offer I had is nothing but one big rip off
You get what you pay for. I have a million dollars of insurance at 66y pay $4,850.00 a year. They paid out $100,000 last year.
Hi Liam , good point. ,
I had a TIA last year in April . I've had quotes and questionnaires from UK based insurance companies , i answered the questions honestly . 6 months (since the TIA ) is the critical period they seem to be interested in . If 6 months has passed the risk is normalised .Also what medication you are taking .
All quoteS i have received in the UK for a 3-months trip this winter are in the same ball park and quite reasonable .
@@steveuk8816 hopefully you’re on the mend, most companies view TIA on the lower end of the risk scale but make sure you understand what is and isn’t covered.
Last thing anyone wants is to be stranded in an emergency.
£6.6k excess is a lot but if it’s that much to save a life it’s worth it - he might not be fortunate enough to make a flight next time
Hi Liam ,thanks for taking time to reply ,much appreciated .I was lucky i had excellent treatment at N.Tees hospital . Vascular surgeon looked at my MRI scan last year , no need for operation on my neck artery , only on medication for BP, Cholesterol etc.
Follow up excellent , BP ok now , Cholesterol down .
Crazy thing is , i used to scuba dive , i emailed the vlogger Bobby , from "sailing doodles " he had a stroke which ended his career as a private pilot . He was hospitalised . But he continues to scuba dive in his sailing videos . I've been advised not to dive anymore ??
Where did you get the accidental cover for your bike and is it a UK or THAI license as I am wondering if I should try and get a bike license before going to Thailand this year?
If your on holidays just get a international driving licence
@@welshboywebby Thx for your reply but want I meant was did you take you test in the UK or Thailand 👍
@peterphillips7193 what ever you can drive in the UK, you can drive in thailand, take a international driving license with you from the post office, no need to do a test then just change it over, watch my video on driving licence
Why dont you apply for more credit cards while you are in the UK. Use them each month for very small purchases but keep them as an emergency bank. Then get the insurance you like if the out of pocket is 6,000 pounds use those cards to pay it. Get the healthcare then just dont pay the cards. Screw the banks your credit on those cards will be bad. But you will still have your other credit cards you didnt use that are still good. And you will be in Thailand so wont get the annoying phone calls from collectors. Think outside the box you will still be alive and gotten treatment.
I'm not doing that 😒 but good idea
Insane prices for insurance that may never pay off.
Crazy prices 😜
Best insurance middle aged upwards apart from travel insurance is try to never sell your Uk home or surrender Council one if any. If you have too, try make sure you have a solid address via close friend or relative that you can come back too in case of emergency.
Agree never ever sell up
NHS is residence based
I’m watching a one minute add for you, I got you buddy
haha that's a penny I've got then
@welshboywebby your on a roll Webby boy , you only have £6599.99 to gather up now
I retired and moved out of wales to Thailand over a year ago. I'm 60 and I've taken the self insure path, as you said, they'll deny your claim over the slightest discrepancy. I have to keep 800, 000 baht in a Thai bank account as part of the retirement visa rules, If the worst happens I'll use that and use a visa agent to obtain my next visa.
How did u get seen to do quickly here in the Uk m8….did the doctors in Pattaya give ur gp a heads up ..?
went to A&E went straight in got seen with 5 minutes, think it took about a hour and i knew what was wrong with me.
Hi Steve the UK nhs gets too much stick !!!!!! I could not fault them last year on Teesside , and the follow up , meds etc. @@welshboywebby
I`m in my 60s and I pay approx 50k Baht for 5 million Baht cover, the access is 40k baht, I had no existing conditions to declare. I've never had a claim so I don`t know how good it is. But I do use a well known local broker who has been here 30 years. If there`s a problem he acts on your behalf and has a lot of sway with the insurance companies.
I'm finding it one big rip-off 😪
You can’t rely on it’s okay I can always fly back to 🇬🇧 attitude , if you need any convincing watch old videos of Kevin in Thailand who had the same ideas until he caught cancer and was financially ruined in months
He chose not to return to the UK, until the last few weeks, if I was him I would of returned straight away
Your 100% correct
But what if your so ill your unable to fly home, too much risk , check out safety wing and pacific cross @@welshboywebby
hi Webby 😲 get yourself a sponsor 😂Thai girls do it all the time
Haha, I'll try to promise 😆
Can get for 3-4k a year, 2.5 excess
I'm in the self insure camp, when my 6months comprehensive travel insurance is up.
Basically 6months travel insurance, 6months self insure each year.
Well, at least your 50% insured lol 😆
Dumb and dumber people who self insure
My husband and I are 70 and 67 years old. We have been living in Albania for the past 4 years and are heading to Thailand in October. Life is cheaper overseas, but medical insurance has been a stressor. We were covered by Cigna Global, but I recently cancelled it. We were paying $600 per month for coverage that was inpatient only and did not cover preexisting conditions. I finally decided why pay for it? In 3 and a half years we paid them $25000 and received nothing. We are both diabetic and I figure if anything major had happened they'd have found a way to blame it on our diabetes as a preexisting. Medical care is so inexpensive overseas I don't understand why insurance costs so much. Everything we've needed we've paid for out of pocket. My husband had to see the doctor (outpatient - so not covered). The cost of the doctor visit including an ultrasound AND a free follow up visit was $50. He also had to be hospitalized once for 3 days in a private hospital. The cost for the stay including all the doctors and tests was $1200 - our deductible was $1500 so insurance paid nothing. I was hospitalized for 3 weeks in a public hospital and it was free! I still can't figure out how that happened. But all told - free was about what the care was worth - but that's another story. When I checked with Cigna about our move to Thailand they told me that our premium would go up another $150 a month - why??? As we are US citizens, to go home for treatment of anything major isn't really an option. Our medicare copays would probably be more than the cost of paying out of pocket overseas. I agree with you that private medical insurance is pretty much of a scam. Many countries require you to have it to get residency though. I see videos with 30 somethings talking about medical insurance. I just turn them off. I want to tell them, "You know nothing! Come back and talk to me when you're 65 - and that includes The Nomad Capitalist! Thanks for letting me vent my frustrations.
Haahah and thanks for sharing
LOTS OF THAI INSURANCES ARE A SCAM THEY WANT YOU TO PAY FIRST THEN YOU HAVE A HELL OF A JOB GETTING YOUR MONEY BACK
What I can see they are all the same
That's why they call it " LAND OF SMILES " ...ripping off farangs/falangs ..makes all Thai people SMILE ....BIG TIME !
You say insurance is a rip off. The insurance companies do exactly what the casinos in Vegas do they play the odds and statistics. The safe and effective shots are causing so many claims many are on the verge of bankruptcy. If you are going to self insure in Thailand, make sure you budget for a complete health check up at the international hospitals. It costs about 200 quid for complete vitals and a stress test. You need to do that twice a year. And get your blood tested for cancers it costs about 60 quid. Tirbo cancer is at a 1 in a 100,000 year high right now. Its called a delta sigma nine event.
I'll have to have those anyway
Why are you looking for Medical insurance in the UK?
Go to a broker in Thailand. There's many run by ex pats in pattaya and you can get Medical insurance for South East Asia and they all have Line. So you can talk to them direct from the UK at no cost to yourself.
You'll save so much with far less hassle
I am looking, I was just showing what some companies are asking me to pay
self insurance is only any good if in reality you have huge financial back up..its a bit of a gamble otherwise especially for severe heart problems stroke etc, early big C diagnoses mostly give you a option to come home
if i had a stroke and i went to hospital, I'm sure to get me on a plane wouldn't cost £6600 plus the cover of the insurance
@@welshboywebby what if it left you needing constant care for a few weeks/month and unable to travel?
@johnatkinson7479 what reason would I need that, think about it if I took that insurance out, I'd still be self insurance the first £6600 plus my cover
64 years of age webby, I have zero problem with Health Insurance Private and im covered where ever in the world i go and i have been Traveling the world for over 45 years.People think they can Travel anywhere in the world without and type of insurance and so be it great but if and when something goes wrong they are the first to say i should have had insurance then a go fund page comes out please donate as this person needs help really.
You'll never ever see me asking on a go fund me page 💯
@@welshboywebby Many do Webby that is the sad truth and to me that is wrong you either have insurance or not but don't expect others to pay for your mistakes many do.
that would be travel insurance, completely different to medical insurance
@@peterramsden3134 in Australia with my Private insurance I'm covered completely.
you are rightly deemed high risk to any insurance company thus the high excess. The excess does not come out of your pocket unless you have a very severe issue. Anything minor like cancer, just pay it yourself if its so cheap.
That was the excess even if I wasn't high risk
@@welshboywebby oh well, you said not having insurance was the biggest mistake of your life. Usually folks dont make the same mistake twice,
Here in Australia the insurance pre exsisting medical problems only goes back 2 years for most problems but goes back fore ever on heart and lung problems and my excess on my policy is 200 dollars australian and I am covered for every thing including heart problems and I have had heart artery repair done. So there must be better policies than the one you are looking at. I have been going to thailand for 40 years and only started to get insurance after I was about 50 because things can happen after that.
It's honestly doing my head in
@@welshboywebby Try AXA insurance or one of the thai insurance companies or a thai insurance agent
Hi John very interesting , following a TIA (mini stroke ) if you have 6 months with no repeat issues , the premium for a 68 years old for 3-months trip to Thailand,
with most UK companies is more or less back to the normal price .
@@steveuk8816 There seems to be a change in most all insurance policies here lately because starting this year you have to list any heart or lung or blood circulation problems that you have ever had and the questionnaire seems to be exactly the same
Cheers John , thanks for the info.@@johnt7696
Just wondering is is better to buy uk travel ins for 12Mo as if you are on a gap year because with repatriation costs at 70k + (in a medivac plane )the high premium charge is a bet. They are betting you dont have an issue and they win . And you are betting you do have one so unluckily you win
various comapanies like All clear in uk do existing conditions -- just my 10cents
BTW you wuda spent 1000s on a private weight loss clinic looking at you now and before the scare so swings and roundabouts :)
Not sure mate
I pay 156$ a year total for my hold Family (3) stk in Norway for full medical Insurance in Thailand
I can't see me finding any if I'm honest
Can you not get some sort of Thai health/medical insurance for expats when you are out the bud? Not sure how that all works but I’m sure if you can it would be a ton load less then you’ll pay in Blighty? 🤷🏻♂️🙏🏻👍🏻
I'm going to look when I get out there
Insurance is not worth the paper it’s written on! Always a get out clause. I self insure, after years of being played by insurers.
It's looking that way
Have you ever gone to a Thai hospital for urgent medical treatment without having insurance? Good luck.
@sunrisejak2709 yes I have, they was useless even when I had money, how they didn't pick up it was a blood and not my heart god only knows
You've got to remember that you only got simple health checks done in Thailand, if you had the treatment that you got back in Bridgend what would that have added up to??
They took blood in thailand said it was my heart, within 30 minutes in Bridgend they said it's a blood clot pit me under a scan to see how big it was
When i was in pattaya i called in to AA insurance and spoke to a dutch guy in charge april International seemed the best of a bad bunch but l had a double hernia op 10 years ago the list of things they wont cover because of it was pretty big you will find it even harder than me.
I know tell me about it, it's all a nightmare
Hey Webby, what do you mean by 'self-insure' mate?
Yes you pay yourself
@@welshboywebby Thanks Billybob and Webby - that's okay then, I've been using that method for years with no issues - except saving a fortune 🤑
Mate l could listen to you reading a telephone directory…the Richard Burton of Pattaya!!!😂 Currently there at the moment AND HAVING AN ABSOLUTE BALL!!!🎉So glad you got over your recent medical issues. More power to you mate. Take care now
I'll be back soon enough, counting the days down
YOU must be Welsh ! ....cause he sure don't speak english !
Richard Burton??? More like a Welsh Zed from Police Academy 🤣
Hahah true
Your right it is a con because you cant get outpatient cover only for the small issues you have to get inpatient first ff.
It's a joke mate
If you get seriously ill or get badly hurt in an accident, it can very easily exceed £6 600. I would carry on looking for a better policy. Regarding your initial period when you return to Thailand, I would suggest that you use British travel insurance while you look for a better deal on the ground. Good luck.
That's what I'm going to do. Thanks for the message
It's cause you're old bro if you'd been living in thailand past 20 years as i have they cover everything up to 3 mil and i pay what 50k baht a year i'm 43 its a good deal. but you're right it doesnt cover when you travel (nor does your insurance back home) you need to add on travel insurance.
I'm not old, I'm 51
@@welshboywebby yeah over 50 that's why, had you signed up before you hit 50 you'd be on a hugely different deal, just how it works, i'm from australia same thing, that sux mate. No offence bro i'll be calling myself old very soon :)
Hey up Chris. Your illness scare and what happened scared shite out of me. I had 2 months over there last Dec Jan. Back out in Dec for a month. Didn't bother last time stupid I had holiday insurance thru bank for 30 days. No issues. I'm on my second pace maker as well. Anyway I've just gone non all clear website. I'm 64. And I declared pacemaker illness. They quoted me 142 quid for a month 75 excess. I'll have that just in case 12 month is 278 dontnkkow about that one back out in May for a month. Just another one for you to check. Have a good un bud.
Cheers mate
Get the 6k insurance. For minor problems just fly back to the UK to get fixed up or just pay it without claiming. If anything major was to happen then 6k is a P%SS in the ocean in the wider picture. It is all good flying back to the UK for medical cover but what happens if you are that bad you are unable to fly or even travel??? Cover your ass. Have the insurance!
Mate they won't cover me for a few things, I can't see what would cost my £6600 to get me fixed up
I know a guy that did not have insurance and went to hospital in Thailand after a serious accident.
The FCO was informed of the accident and the doctor said he must not fly.
The bill was a fortune when the FCO was told he did not have insurance they covered the treatment, however his passport was suspended and will not get it back until the bill is paid in full. He was issued with a travel document to allow return to the UK after the doctor gave a fit to fly report.
He will never be able to pay it so can not travel
The bill was over £90k
I'm not saying I'll not get insurance I'm saying that price is crazy
passport susspended until the debt is paid, if he dies before it is claimed from his estate@@Lat265
It's an eye opener this with big ,6000 pound,I used to pay 100 for month and I thought it covered everything, yeah,made my think as this,£6600,what's the point
I ain't paying it end of. It's just money down the drain
Come.across your vlogs on thailand I have got a channel thai traveller and I am based in issan
I will say one thing the area you talk about in pattaya, bangkok are notorious for ripping farangs off
Check my vlog on thai traveller on immigration a couple of weeks ago then peoples experiences in pattaya there's no comparison
I know A man up here had open heart surgery couldn't pay he needed it done and it was done with no charge that had to be done or he's dead
We all know why people go to pattaya let's face it same as uk its like going to Blackpool versus whitby just as it is
Why do you think most bar girls ,massage parlours alot of women come from issan with the sole aim to get money off farangs thats itand people fall for it
Another thing I have to say when in pattaya you are not living a very good life style parties ,booze and women are a disaster for you so why do it again
Wish you well mate but if I was you you need to change your outlook or suffer the consequences
Cheers
Crazy buddy, what happens if you can’t make it home? Daughter had pneumonia in Orlando and a week stay in hospital came to 35k.
That is USA they charge crazy money
It might be worth going to an agent when you're back in Pattaya... See what they're saying.
I will mate
So you'd be paying 850 gbp a year for a safety net. Let's say in 10 years you have a surgery that cost 20,000 gbp, you've paid to insurance at that point 8500 gbp then you add 6600 gbp for excess = 15,100 gbp, saving you 5000 gbp. The savings go up the higher the bill ofc. It's basically a safety net for the big disasters. - WW
This medical thing is doing my head in
@@welshboywebby Yes and you've got the complexity of some preexisting conditions. Might help to sit down with a trusted agent in person who can walk you through some options on paper. The harder part might be finding a trusted agent 😆 - WW
@@WanderingWolf365 they are all robbing fuckers 😤
I'd like to know any agent that's not in it for themselves, first & foremost.
Too many people ripping expats off & many of them are other expats taking advantage.
@keepitreal1547 Well, that is Pattaya for you, I wouldn't trust any of them
I think...is not feer.???or it is.??
Litle money litle music.
Same in Bar... isn't it?
But in Bar, you can spend 200 EUR a day and there is not a problem?
That's the problem of many expats.
I am coming to Jomtien from 2019, usual for a month or two so I know the storry a bit.
I'm lost with that message.
@welshboywebby I think 🤔 You can have good insurance for a reasonable price......but
You can't expect a miracle for 100 EUR a month....
I got one mate it’s called cover for you I have been 2 times this year to Thailand mate and as you know I my off in September I have used these the 3 times on my first visit I come down with the flu really bad I was wet to soi 4 hospital were I had fluids and antibiotics pumped in to me one night stay in the hospital insurance paid out to the hospital next day I have got the gold one with no access to pay cost me this time £105 for 3 weeks give them a try
That's travel insurance. it's not the same as medical insurance
@@welshboywebby or okay I didn’t know 👍
@gavinforde4076 Yeah, it's totally different, mate
Try AA insurance beside Key Visa and Cornerstone Property in front of Big C Side exit on Pattaya tai near Sukhumvit road..
Try AA insurance beside Big C pattaya tai near key visa & Cornerstone Property near Sukhumvit road
Thanks I will
Steve its Pete from City Garden Tower i think you need insurance so much can go wrong apart from heart problems here. i am with WRLIFE in Pattaya and l think these are the best. l pay 6700 baht a month but l am 70 its worldwide ( not US ) but no access and no increase after one year if interested l will forward contact details
Cheers Pete
Get yrself insured in uk just before u go away for 1 year backpackers insurance u need
I'm going to try and get some this week
Not being an ass, but you wait until you have a medical emergency and then expect cheap insurance?
I’ve paid non increasing (age doesn’t raise the cost) for 20 years, no excess… it ain’t cheap, but I think a good investment… why would anybody bother paying it if you could just sign up when your in crisis?
Cheers, but one question how can they put the insurance up like that, when they won't cover the things that are wrong with you anyway, surely that's not right
@@billybob7522 I'm happy with that, so why charge more for things you have but not insured for
£4107 p/year i was qouted today thats £11 ish p/day i,m 69 y/o,.that quote was off CIGNA global,.
That's the one that give me the quote
I think Webby thats quite reasonable... what did you say around £800 😂 .... thats VERY good, HAHA the £6600 is only because they seen your a customer of The Castle
I was happy with the £851 it's the £6600, that's just crazy
AIA....945 GBP for 5million baht coverage😎
I'd take that all day long
I’m afraid the facts are you are high risk now, even though they discount the recent incident you still get risk scored because of it. Sorry to say, people who have 1 large incident are at more risk of others. If you are going to self insure you need a minimum of £25k and accept that it might go tits up. Finally keep an address in the uk and a footprint here, you aren’t necessarily entitled to free healthcare after being away from the country for a longtime!
Yeah I know mate 👍, you do get free NHS emergency care, 100%, maybe it's because I've got an address here like you said
Your not insured on motor bike its not worth paper its written on if you have a accident on your motorbike you will be to blame and you will have to pay the thai you crashed in to compensation. Even if not your fault. Because they say you shouldn't of been in thailand and it wouldn't of happened. It's your choice but don't think your going to be that lucky next time,. And remember history repeats it's self.
I have got proper insurance for my motorbike, and I've got money if I need to pay for medical bills, the problem is when you ain't got medical insurance and you ain't got the money to pay
If you retire to Thailand and that is your primary residence (e.g long term expat) you are NOT entitled to free NHS care so guys saying oh if i ever have a problem ill just nip back to the UK and get treated on the NHS need to think again. The NHS is a free residency based service not a nationality based service. Always get proper medical insurance to cover you in the country you reside.
So your saying if I went to A&E in a emergency they would send me away that just ain't true
If you are a UK national living abroad and are returning to live in the UK, you will be able to use the NHS for your healthcare. You will need to complete a GMS1 form to register with a GP near your home. The first time you have treatment anywhere in the NHS you will need to bring proof that you are eligible for free healthcare. You should bring at least two of the following documents: Residence in the UK, Proof of your purchase of property or a tenancy agreement, Recent utility or council tax bill payment, UK bank account showing recent UK activity, Employment status, Payslip or letter from employer, Bank statement, Unique tax reference number, Documentation from your local job centre to show that you are receiving job-seekers allowance.
If you are not ordinarily resident in the UK, you may be charged for NHS hospital treatment. However, emergency treatment is always free and provided immediately regardless of your nationality or immigration status. Hope this clears it up for you. Yes you will get treated if you turn up at A&E but your not entitled to FREE treatment.
Safetywing try them
Will do
Sadly you’re in Catch22 now!Get fit and healthy though before you go back👍
I am fit mate and healthy, going to start back running this week
My friend you have learnt nothing from what has already happened to you. Self insurance in Thailand is idiotic. If you can afford the £900pa, pay it. If nothing every happens to you fine, you've only spent £900. If you end up in hospital in a coma for weeks and then need a medical repatriation flight, I would guess you are looking £50 -£100k. You can't fly home on Thai Airways cattle class if you need 24/7 care. For people on shorter trips, insurance costs peanuts, with a tiny excess, and most UK insurance companies won't insure you once you are already abroad, probably because that's where more fraudulent claims come from for people who are already sick.
I don't care about the £900 it's the £6600 I have to pay before they part with a penny no thank you, I'm going to look again I'm sure I'll find a better one
You get what you pay for
Do you really, though
Generally yes. @@welshboywebby
Don’t go to Thailand!!!!! 🤷♂️
That's a silly answer
Con like wearing masks
Haha 😄
A top end visa card , will cover you a d your and
Say again
Amazing how many people have developed breathing issues since having their jabs.
And yet the doctors are completely baffled 😂
Hahah yeah I know
You need the best insurance you can get. When your health starts to go down hill there is no stopping it.☹️
I'm still a fit young 51 year old 💪 lol
Until your not@@welshboywebby
🤣
R U a tourist, ...or are U living in Thailand ?
living there mate
Ok ..therefore the insurence post ?
@@welshboywebby