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Q?
How long does it start to get a policy up and running?
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A.
Provided the required documents are provided and the forms are filled in correctly, then the set up of the policy would typically take around 48 hours. However we advise that you start the application process around 2 weeks prior to needing cover in place to make sure there is adequate time to deal with any issues. This can include requests to see medical records should you declare any pre-existing health issues.
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Q?
Do I need a medical before I start a policy?
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A.
Generally speaking you will not require a medical before a policy starts. There are insurers who reserve the right to ask one of new applicants, especially those in the older age brackets.
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Q?
Are only annual payment terms available?
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A.
No, there are a number of payment options. These include annual, quarterly and monthly. Please note that there may be small surcharges applied by insurers for non annual payment arrangements.
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Q?
What is a pre-existing condition?
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A.
A pre-existing condition is a medical condition which has occurred before you take out a medical insurance policy. You will be required to disclose information regarding pre-existing conditions at the point of application. It’s important to be honest as insurers can easily verify information provided with healthcare providers in Thailand.
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Q?
What is the difference between in and out patient cover?
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A.
In patient care requires that you spend the night in hospital. Outpatient care takes place without the need to stay overnight in hospital.
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Q?
What levels of excess can I use?
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A.
Excess options vary from insurer to insurer. The effect of increasing your voluntary excess is reducing the premium you pay as you are accepting to take on a proportion of the risk yourself. There is no right answer when asked how much excess one should employ. It’s really a question of what you are comfortable with having in place.
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Q?
What conditions are excluded from cover?
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A.
As part of their underwriting process some insurers will exclude pre-existing conditions or related conditions. There are also a range of conditions which we have listed below which will not be covered:
• Self inflicted injuries
• Cosmetic treatments
• Drug/Alcohol related treatments
• STDs
• Dietary Supplements -
Q?
Are all bills paid directly to the hospital by the insurer?
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A.
This differs on an insurer to insurer basis. Some insurers will settle bills directly with inpatient and outpatient cases. Some only pay the hospital directly for inpatient care and operate a pay and claim system for outpatient care. This is where the patient pays for the cost of the outpatient care and are later reimbursed by the insurer upon producing a doctors report and original receipts. Please contact us and we can advise on options regarding this area.
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Q?
I pay Thai social security, will this cover me in Thailand?
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A.
Paying social security in Thailand will allow you to access pre-selected local hospitals to obtain healthcare. Whilst this might be sufficient for minor ailments we strongly recommend you purchase cover which allows access to leading hospitals and doctors.
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Q?
Do I need a work permit to get health insurance in Thailand?
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A.
A work permit is not required to purchase health insurance in Thailand, however you will need to provide a signed copy of your passport at point of application.