Living in Jomtien. Insurance And Do You Actually Need It? and Coffee 🇹🇭
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- เผยแพร่เมื่อ 1 ม.ค. 2023
- Insurance in Thailand can be complicated. Do you need insurance when living in Thailand? What are the healthcare options when living here? We walk along Jomtien Pattaya Beach to a coffee shop and talk about healthcare in Pattaya, Thailand.
Stock images by:
Cottonbro Studio
www.pexels.com/@cottonbro/
and
Andrey Kirievskiy
www.pexels.com/@andrey-kiriev...
OA visa applied for in your home country - insurance requirement. O visa applied for in Thailand - no insurance requirement. Regarding health insurance in Thailand, the most important thing is will the company you go with payout and will you need to pay and claim the money back. In my experience, Pacific Cross are extremely reliable and you don't have to pay for treatment upfront, the hospital will deal direct with them. Now whether you choose a high cover insurance to cover everything, or a low cost cover with your own financial backup, or no insurance at all, and cover any bills yourself, is up to you.
Thanks for the comment. 👍
@@oneendofthailand Pacific Cross not great my friend needed a Hernia operation instead of getting done straight away which he wanted they made him wait for 5 months and then they would not cover the full amount for basic things like a Toe nail yes but for operations forget them as he said to chat online with them was a joke so give them the flick.
I have health insurance in Thailand. It costs me 10k baht a month because I am 69 and have a pr-existing medical condition. Take out health insurance before you are 70 and a goodcompany will cover you after 70.
Before 65
Dreamer is correct. If you have insurance in place and running for a few years, they are unlikely to cancel it as you get older.
Who are you with please
@@davidgolder2505 I currently do not have full cover. Just accident cover via the bank.
@@davidgolder2505 I am with April insurance. Broker is AA Insurance in Pattaya.
A good advice for nnot needing to go to hospital: DON'T DRIVE MOTORBIKE. It's the main cause of going to emergency room for expats. Taxi are so cheap here. You would spend less than one day of staying in hospital for your whole life of taking taxi.
Thanks Alain. 🇹🇭
Learn how cheap it is TO BE DRIVEN AROUND 👍👍.
Is not that bad lol I've been driven motorbikes in the Philippines, in Thailand and in the middle east, 1000s of people do, that's not good advice
@@alexbambam1 Yes, thousands do it, and many of those will break bones or worse when they slide off on the gravel or hit a pack of dogs at night. I am not anti 2 wheels (have a full bike license and used to ride a 1000cc bike) but in TL it's best to be driven.
thanks for all of your advice. I find that they are very helpful. It’s not easy to find accurate information when you are 12 hours away.
You're welcome. 👍
I just had an accident in Thailand 1week and half ago, since my insurance was not yet in order and started only from 01/06/2023, i went to Bangkok Hospital and they wanted to charge me between 55000 and 650000 bath for 3 days stay! I broke my wrist in a bike accident in Pattaya...An insurance would of made my life so easy...now, i went tru hell, walked around for 3 days and after 3 hospitals later with still no help, i took a plane back to Belgium and got the help i needed! So to all people reading this, pls make sure you have everything in order before coming....
Read what you have covered in your insurance... but am only 39 years old....
Thanks for the upload 😀
Happy new year
Happy new year to you also. 😎
Great video mate. We all appreciate your hard work.
Thank you. 👍
The A in OA stands for annual, thus it can only be issued and extended for 12 months, an O visa can be for 90 days. Keep up the great work and happy new year
Thanks for the info. That explains it. 👍
What does the "O" stand for?
@@traveler7249 I don't know I'll endeavour to find out
This is excellent thanks ever so much for sharing 🙏
You are most welcome. 😎
Very good information Heath as usual , thanks for the shout out and a Brilliant new years eve , hope to see you again soon , cheers .
Thanks, Peter. 👍
Great topic, Thanks!
You're welcome. 👍
LMG has some basic coverage for retirement visa purposes called Long Stay VISA Plus Premium Plan 100,000 USD
Deductibles are 300k,500K OR 1 Million baht.
51-60 years old THB 27,600 THB 22,300 THB 14,500
61-70 years old THB 37,100 THB 35,500 THB 26,800
71-80 years old THB 74,800 THB 56,700 THB 36,700
81 - 100 years old (Renewal only) THB 100,200 THB 93,100 THB 68,500
Thank you for this information. 🇹🇭
LMG only 60 yrs old and below... Thaiger
@@am4ver Not true.
Great vlog Heath 🙏
Thanks Peter Pan. 🇹🇭
Thank you , enjoy ...
Good information video i have researched for my arrival in april
Best of luck, Glyn. ✈️
Nice one Heath. Thinking about visiting Jomtien in the UK summer and maybe in touch.
Thanks. Hope you found it helpful. 👍
Cheers Heath. I'm hoping to retire in Thailand this year . Definitely not without health insurance. Thanks for information
You're welcome. 🇹🇭
@@oneendofthailand yes it’s a must. Good yes , companies are ones that pay out in event of a claim. I used to work in insurance. Cheapest price not always best service .. pay an excess is good too , it lowers the premium. Small outpatient costs generally too .. I am getting Axa or P Cross cover . Better to have some cover rather than none. Don’t overstretch your monthly budget for insurance and at same token don’t not have any cover either !
Your videos are very informative and to the point We are thinking of moving there.
Thanks. Glad it was helpful. 🇹🇭
I have just discovered you on tube.
I'm 71 and retired in Pattaya for 6+ yrs.
I find most of what you say, very informative, especially for newbies..
I self insure, because Ive heard too many stories about insurance companies refusing to pay out on claims.. I have excellent health, but take bp meds.
I bought a car, because it's very unsafe here, on a motorbike.
Thanks Murray and welcome to the channel. Sounds like you have thought things through and yes, there are several ways to doing things. Like I mentioned, you only know how good an insurance company is when you make a claim. That's not something I have experienced here. Thanks again.
Happy new year to you over there
Thanks. You also. 😎
A difficult thing to cover. Thank you for your efforts.
Thanks, Keith. Yes, I agree. 😎
Great information and wise words. I just arrived on my retirement visa and debating on a scooter, but think I'll opt for a bicycle. Don't stand on the back of the Baht Bus. Great advice! Stay safe and keep them coming.
Thanks Greg. Enjoy your stay. 🇹🇭
Thanks for the info, Heath. Insurance is a tough subject, even if you're face to face with an agent. All of us old farts have now been warned. Keep up the sessions. You are improving with every one of them. Happy New Year to you and Lamporn
Thank you. Happy New Year to you also. 🇹🇭
Good informative video as usual.. yes, no insurance for O visa but risky and not advised, the only problem when you get to my age is the cost of cover. As for health care in the UK, the conservative government have finally managed to kill off the NHS so another headache. If you are waiting for the airport bus from Jomtien try the coffee shop next to the booking agent, the two girls running it are nice and there's some great artwork on the walls that are for sale.. insurance or no insurance, I will be back end of month and can't bloody wait. Oh, nearly forgot Happy New Year to you both.
Thanks for the info David. Happy New Year to you also. 😎
I was walking along beach road pattaya once near the five star bar. Someone had taken off a manhole cover. The breze must have blown sand into the top of it and as it was filled up with water it just looked like the pavement which was also full of sand. Anyway I fell right into it and went under. I came straight back up and some people helped me out. Like you say with you twisting your ankle. You have to be so careful there. I caught and infection as some of the water had gone in my mouth. I had an infection and had to have a shot at the docs. It's a minefield sometimes there you have to be so aware and careful. Take care
That sounds terrible. Thanks for sharing. 🙁
Just a bit of extra info re dental-care, I get a very-thorough 6-monthly dental-clean for B1800, at a first-class clinic here in Chiang Mai, they also fixed a small-filling on-the-spot at no extra-charge, last visit. Many US-tourists get dental-work done, while visiting as tourists, short-notice & reasonable-charges compared to back home !
Yes I got 2 fillings in bkk 650 baht each !
Thanks Richard. Yes, much easier here. 🇹🇭
Cheers Heath. As you say though you never know how good the Insurance Company is until you need a payout. Hope you both have a good 2023.
Thanks Dan. Happy New Year. 🇹🇭
You can get OA visa if you apply from your own country. And then, prior to arrive in Thailand, you'll to subscribe to an insurance with a thai insurance compagny...
We vacationed in Jomtien in February 2018. My husband got sick and our insurance send us to the Bangkok hospital in pattiya .
My husband was there for 3 weeks. 11 days in ICU and 10 days on the ward. He was diagnosed with some environmental flue bug.
That was basically before Covid. The main problem came from his lung and short of oxygen.
It was basically just before the outbreak of Covid but basically unknown at this time.
Since he had never had a problem with his lung and 15 years smoke free the insurance paid the whole bill plus our trip back to Canada with a flight nurse. So a word of warning never go without travel insurance. Never skimp on it. At the time he was 73 so a senior but he is doing fine.
Of course now our travel insurance is ski high. Time to stay home.
Thanks for sharing, Evelin. Good that the insurance paid up. Would have been a horrendous bill without the insurance. Good to hear your husband is doing okay. Can you mention the company?
Brother, I am back to Bangkok to play, wish you happy every day🎉🎉🎉🎉🎉
Welcome back. 😎
@@oneendofthailand 會的，會再一次芭堤雅⋯⋯中天海灘非常舒服
是的 👍
There's a expat food shop at the Jomtien Beach Condominiums Rimhad S building's
Yes, there is. 👍
Thanks for the Vid. Heath, but as you say a bit confused. Do you know anything about the Health insurance the Ex Pat Clubs promote? What about Travel Insurance if you return to the UK on a regular basis? I'd hope that as more and more Ex Pats retire to Thailand Long Term Care will become more available. I heard of one Ex Pat who moved his mum out to Thailand and bought her an apartment next to his in Jomtien and employed a full term carer to live in the apartment and look after her for a fraction of the cost of LTC in the UK and providing a much better standard of care?
Hi Nev. I don't know anything about ex-pats clubs or what they promote. But I am sure that any insurance will remain valid in Thailand if it is paid up. You would need to check if it is worldwide cover or not.
Also, if you spend less than 180 days here on each trip, you may be covered by the free insurance some UK banks and building societies offer (on selected accounts). Worth checking.
thanks for the vlog, i'm 50 so im doing my research on want are the best value for money option visa
You're welcome, Billy. You can see my video on long-stay visas. 👍
@@oneendofthailand thanks mate
Hi Heath, great vids, are opticians good in Thailand , any ideas on the price, compared to UK, Thanks
Thanks. Much cheaper and you'll find them the same quality. 😎
Not true.They are expensive,They import the lens and frames from Germany & Europe.Prepare to pay those prices.I heard if you go to a Government Optician Clinic get tested and maybe they can organise your glasses,it might be cheaper but the process is not for everyone.Thanks for the good video.
Good advice. I have inpatient insurance up to 16m. You never know if you will need it or not but I recommend getting insurance. Do not bother with outpatients insurance as it is cheap in Thailand. Also, as you say, dental is cheap too.
Thanks, David. Good advice. 👍
David how much is your insurance annually and with which company please
@@davidgolder2505 Hi David. I have cover with Bangkok Bank at 8k, and some emergency funds I can access easily.
@@davidgolder2505 It is not cheap. About 70k. With April Insurance.
@@davidcarlton946 is that 70k baht?
I am coming to Thailand for two weeks in Feb. Any particular insurance you would recommend for that? Btw what happens in you go to hospital on tourist visa? Do you pay cash then claim back from insurance company or does the hospital claim from insurance company?
Hi James. As I explained in the video, I can not recommend an insurance company. Check your bank of building society in the UK as you will find most offer free travel insurance if the trip is just a few weeks.
it depends who are with if you need a operation make sure you have deep pockets unless you have good travel insurance.
My Thai wife actually got me drinking the coffee from the street carts very cheap
And there are plenty of coffee shops. 😎
On my last trip to Pattaya a few years ago standing on the back of a songtao ( truck taxi ) was not allowed and if caught you could be fined...
They did make this rule a few years back, you are correct. I think it was because they didn't want to be liable for drunks falling off. But like a lot of minor laws here, they are rarely enforced.
Like a shark?
@@roofpizza1250 fined
So, how can an older person live in thailand year round and afford health insurance? Is thailand or maylasia cheaper then?
I don't know anything about insurance in Malaysia.
Hello.Please give me more information about live in Thailand.About open small business rent everything you know.Thank you
Hi there. Sorry I do not know about opening a business here.
I did not bother with insurance. I have high blood pressure, and I read that it will disqualify you from coverage in a lot of cases. Instead, I have a large sum of money sitting in an interest bearing account as my insurance. Basically, I am self insured. For emergency contacts, I had some business cards made up with emergency contacts listed on them. I keep a couple on me, and place a couple around my condo in plain sight. I also have a few in my luggage.
Yes many ex pats dont have health insurance as its expensive and they self insure or live on a prayer and a wing 🤔
Thanks for your comment. Everybody has there own way of making it work. This is good advice if someone does not want insurance. 👍
How does this work with immigration? Is it legit or a nod and a wink thru and agent?
@@roofpizza1250 I bought an Elite Visa for my retirement. Just 1 million baht, some paperwork and background check. No insurance or proof on income/bank deposit requirements. I did not want to worry about immigration rule changes, so bought 20 year version. Has a couple of nice perks.
@@rossp561 Ah, for a minute there you made it sound preferable. 800K in a Thai bank account that is yours and is making interest is better than forking over a million up front that you'll never see again. Was hoping to self insure so I don't contribute to the global trillion dollar scam.
I can see the allure of a one a done solution like yours tho.
THANKS.
Pacific Cross not great my friend needed a Hernia operation instead of getting done straight away which he wanted they made him wait for 5 months and then they would not cover the full amount for basic things like a Toe nail yes but for operations forget them as he said to chat online with them was a joke so give them the flick.
I’m retired US Air Force and I have tricare health care coverage for life. Have you heard or have any information how retired military people are covered in thailand? Thanks.
I am sorry I do not know about this. 😐
@@oneendofthailand no worry, thanks for the reply.
What insurance do you have now let me know please
So is it not possible for a 74 year old Brit to get health insurance for Thailand, either from the U.K. or in Thailand?
I've got away with it up till now, but I know it's time to get some insurance
I am not sure. Maybe someone else will comment with an answer for you. See Roof Pizza's comment below. 👍
appears tourism still not there yet. previous years before china -19 flu, beaches already busy before crristmas week. here ny's eve deserted minus a few thai families picnic
Quite busy at the moment. Will probably quiet down at the end of January.
I C E - In case of Emergency
-- Always dual list your Emergency contact under ICE
-- Most hospitals etc can access the contact list without knowing the phone password..
-- If you are unconscious, it can help.
Perhaps have a contact "back home" and a Thai contact?
Good advice, Traveller. 👍
What about if i dont have anybody and i wanna retire in thailand……how can i get good cheap healt insurance?
Hi. It's individual choices. I mentioned some options in the video. Cheapest is not the best when it comes to insurance. I hope this helps.
Any idea what the Top Health insurance costs for everything where u go in and pay nothing at the end the Top I'm 62 want the best like I have in Australia.
Sorry, I do not know. 😐
@@oneendofthailand Would be a good follow up to see who and what are the best.
Hi Heath, you're tight about the dental treatment there, I've been liaising with the adleweiss dental clinic in Bangkok for implants, they have given me a written quotation for 300,000 thai bhat which equates to around £7000.00 English, and they also said I could stay there , kind regards to you both from England 🍺🍺👍
Cheers, David. 👍
Edelweiss are awesome. I am having treatment there presently. Such good service & aftercare , costs a fraction of the uk 🇬🇧 and other countries.
@@jonhobson3592 thanks Jon, are you having implants? Or just dental treatment in general? Would really appreciate any feedback you could give as I'm currently saving up to have this procedure done, all the best from England 🍺🍺👍
@@davidheyes4771 I had 2 stumps out ( long story ). I am having 2 crowns and partial denture. They are super friendly. They reply to emails before I came , use what’s app after appointments too. Cost approx 70,000b .. so pleased I chose this place but many many are very good ..
@@davidheyes4771 the implants vary in quality I believe so depending on budget go for middle option I guess. No I’m not having now as some of bone not hold and costs for my work would be about 480k tb. I cannot recommend them enough. It is also only 20 mins from my condo on bus 🚌 route / but taxi cheap 60-70b
Is it a Khmer coffee shop.
Yes, and other countries.
"Socialized" medicine sounds like a great deal..... unless you need it.
How much is the insurance per year
I am sorry I do not know. Insurance varies in price depending on age and cover required.
$1010USD per night in a hospital & $5,775/ night for ICU WOW lots more than I would had thought in Thailand
The night in the hospital would include your medication, drips etc... but yes, very expensive. ICU would depend on your condition of course. But the hospital is like a 5-star hotel. 😎
better going to lifecare clinic in pattaya for full blood urine psa ekg 1600bt results back same day
Thanks for the tip, Jason. 👍
On another point, why has Lamporn got tea bags on her head ;-)
Holding her hair back. 😀
A couple of points, There were some errors in your vid regarding the cost of Room & Board and Intensive Care, it's circa 5,000-10,000 for a private room and 15,000-22,000 Baht per night at a Pattaya Private hospital (Including Bangkok/Pattaya) not 35,000 and 200,000.
Anyway, good video and advise.
As a side note, you may at some point in the future, may like to do a video on the Pattaya Sports Club, They're a Charity run club that do a lot of good work for kids schools/orphanages and on the subject of health care, one of the major benefits to members is they receive 10% discount at many of the private hospitals in Pattaya as well as a discounted health insurance scheme for members.
Thanks for the comment. I know some people have been quoted less when paying directly and not going through an insurance company. The figures I mentioned were from what I was quoted for an overnight stay.
Do you need insurance on a marriage visa ,
I don't think so. Can anyone clarify this?
at some point you have to give some constructive suggestion under some base please. For the viewers who are planning to come here does not need the optimum perfect neutrality rather some suggestion under any Health Insurance that could make them safe. Like I have asatma and high blood pressure, I need to have some sorts of health insurance to cover something.
Hi Mahmud. Thanks for the comment. I am not sure I understand your question. ? 🇹🇭
What about those English foods ? Can you get your tea bags & Marmalade...🤔
Yes. The expats shops and supermarkets sell both items. Does this help? th-cam.com/video/dJP07K5Etqg/w-d-xo.html
Sorry, wrong video. See this one. th-cam.com/video/v-_0ymcWQXQ/w-d-xo.html
Oh yea great dentists there...👍
Pikachugirl
So much more expensive than in the US. Here you just show up to the hospital, stay as long as it takes then leave without paying a dime unless you have insurance. People from other countries have no financial obligation at all it’s all free and they don’t even need insurance.
Thanks for the info. In the UK, healthcare is paid for through national insurance contributions. How much would a private hospital be in the US?
@@oneendofthailand well I’ll admit my comment was mostly sarcasm. Most people here have health insurance, I was just referring to the fact that our healthcare is so expensive because of all of the patients treated for free. So basically if you can’t afford healthcare you’ll essentially get it for free if it’s serious enough. Cash costs here are perhaps slightly above the high end Thai hospital. But 99% of people who would need to pay cash never actually pay if you get my point.
@@OShackHennessy I know what you are saying. 😎
It's a no brainer, black and white there is no debate. If you cannot afford comprehensive insurance_ that's it " no honey for you" and if your to old you seriously need to have a long look in the mirror. I'm sorry that's it. It should be your number one priority. Cheers Mick
A screwdriver!! 🤣
Must have been staged stock footage. Ha ha. 😂
In my opinion anyone who chooses to live in Asia without having proper medical insurance or who holidays in Asia without travel insurance is an irresponsible fool. Accidents DO happen as do medical emergencies (particularly as one gets older) and the cost and stress of dealing with them are alleviated by adequate insurance provision.
Simply trusting to good fortune or expecting to be rescued by the generosity of others (friends, family or 'gofundme' appeals) are foolhardy alternatives to taking personal responsibility by way of proper insurance coverage. It should be part of everyone's budget.
'Kev-In-Thailand' (RiP) regularly would say that insurance wasn't necessary and then suffered badly as a result.
But staying overnight is not cheap .
That is cheap, it's not that expensive.
My covid medicine was only 40 quid unbelievable
Over 3 minutes in, we start on the subject matter. 👍
Cheers! 👍
A bit harsh. Have you tried making an informative video? Not as easy as it might seem.
@@PauloG100 No, I haven't tried making an informative video because I know how hard it is. My point stands - only imho. I'm sure the creator can take constructive criticism - to act on or ignore. Up to youuuu ❤️.
@@PauloG100 A 3 minute preamble unrelated to the subject matter in the title, 9 minutes of EXCELLENT info, 1 minute outro.
I thought the cheapest insurance plan for Thailand TH-camrs was no insurance until something happens. Then create a crowdfund page! Seems to have worked for others in the past!!
It amazes me how kind people are to some people who are so stupid and tight to get health insurance.
most time of my live I had a minimum insurance aspezially in states like thailand where I had to pay so or so, but now with 67 I get a good one as alderly guys are never that healthy
Thanks for the comment, Berti. Yes, age seems to be an important factor.
Coffee ist more important than insurance....😂🤣😂
I'm more of a tea drinker. 😜
@@oneendofthailand only if it’s Yorkshire Tea Heath 😊
@@jonhobson3592 You can get that here. 👍
@@oneendofthailand indeed but pricey.
What panet are you on fella...35,000 a night in Bangkok Pattaya lol
That was for ICU. he said.
$1000usd/night in private hospital is correct.
It is about 35000 Baht for a night in Bangkok Pattaya Hospital. This is what they quoted me when I needed treatment for kidney stones. They seem to negotiate a little depending if you have insurance or are paying directly at the time. The bill would have been 200,000 in total if I wanted the lazer treatment to break them down and remove them. The ICU varies of course depending on what your situation is, but if you are in a coma you can be expect a bill for 200,000 per night.
@@oneendofthailand Fella I appreciate you do these videos for money but trolling 36 year veterans is never going to end well
I have no idea what you mean. Please explain.
Health care in the UK sucks.
Sorry, John. I must defend the NHS. Healthcare is excellent in the UK. Just badly managed and exploited. 🤪
thats not a good coffee shop. look at the machine, look at the blend of coffees and sweets LOL
better stay in the netherlands , more cheaper
I spoke to a guy in my country (The Netherlands) who has a wive in Thailand. But there is no Insurance for him to get down there, so He have to stay 3 month is his home land. Insurance for older people is a disaster in Thailand.
Hi Leo. Yes, if you are older then it can be a challenge to find good insurance. 😐
@@oneendofthailand Impossible.