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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Wed Jun 18, 2014 3:08 am Post subject: Insurance for individuals? |
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I'm between jobs, ain't rich (at all) and have no insurance. And not to get too personal but I just got an inguinal hernia. I 'could' afford the surgery but without a job I'd be really pressing it!
Anyway blah blah tough luck, I should have been prepared I know, but how can I get into a reasonable insurance scheme? That covers pretty much wherever you go? |
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suphanburi
Joined: 20 Mar 2014 Posts: 916
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Posted: Wed Jun 18, 2014 5:12 am Post subject: Re: Insurance for individuals? |
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bluetortilla wrote: |
I'm between jobs, ain't rich (at all) and have no insurance. And not to get too personal but I just got an inguinal hernia. I 'could' afford the surgery but without a job I'd be really pressing it!
Anyway blah blah tough luck, I should have been prepared I know, but how can I get into a reasonable insurance scheme? That covers pretty much wherever you go? |
The problem is that most of them won't cover "preexisting" medical conditions.
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Wed Jun 18, 2014 5:55 am Post subject: Re: Insurance for individuals? |
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suphanburi wrote: |
The problem is that most of them won't cover "preexisting" medical conditions.
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So they all require an exam? About how much do the policies cost? |
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suphanburi
Joined: 20 Mar 2014 Posts: 916
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Posted: Wed Jun 18, 2014 6:33 am Post subject: Re: Insurance for individuals? |
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bluetortilla wrote: |
suphanburi wrote: |
The problem is that most of them won't cover "preexisting" medical conditions.
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So they all require an exam? About how much do the policies cost? |
They vary depending on the region you are working in.
If you have an exclusion (no cover in the US) then they are often pretty cheap.
I (my employer actually) pay $50/month/person with Bupa in Thailand (including outpatient coverage).
(I hope I got your age right)
http://bupa.co.th/en/individuals/health-insurance/get-quote-plan.aspx?t=&iid=2&gids=&a=56&class=1#.U6EzoLGkfVo
For "international coverage --> http://quote.bupa-intl.com/ <-- pick your plan and get a quote. (these run about $500/month)
When I was in Korea I was paying about $35/month for family coverage in the national health care system.
In Canada I was paying about $138/month for family coverage.
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Sun Jun 22, 2014 7:47 am Post subject: |
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Bupa is very reasonable. I'm trying to find out if I can live in Laos but go to Udon Thani or BKK for treatment.
An international scheme is way beyond my means.
Thanks. |
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suphanburi
Joined: 20 Mar 2014 Posts: 916
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Posted: Sun Jun 22, 2014 8:07 am Post subject: |
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bluetortilla wrote: |
Bupa is very reasonable. I'm trying to find out if I can live in Laos but go to Udon Thani or BKK for treatment.
An international scheme is way beyond my means.
Thanks. |
The answer to that is yes.
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Sun Jun 22, 2014 12:19 pm Post subject: |
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suphanburi wrote: |
bluetortilla wrote: |
Bupa is very reasonable. I'm trying to find out if I can live in Laos but go to Udon Thani or BKK for treatment.
An international scheme is way beyond my means.
Thanks. |
The answer to that is yes.
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Thanks. Done deal!
Why can't insurance around the world be reasonable like this? |
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suphanburi
Joined: 20 Mar 2014 Posts: 916
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Posted: Sun Jun 22, 2014 12:30 pm Post subject: |
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bluetortilla wrote: |
suphanburi wrote: |
bluetortilla wrote: |
Bupa is very reasonable. I'm trying to find out if I can live in Laos but go to Udon Thani or BKK for treatment.
An international scheme is way beyond my means.
Thanks. |
The answer to that is yes.
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Thanks. Done deal!
Why can't insurance around the world be reasonable like this? |
Mostly, it is - except in the US.
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Sun Aug 31, 2014 11:31 am Post subject: |
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I ended up getting the surgery in Japan without insurance. $2000. Pretty reasonable actually, and not much more than China and about the same as Bangkok. |
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EFL Educator
Joined: 17 Jul 2013 Posts: 988 Location: Cape Town
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Posted: Mon Sep 01, 2014 2:13 am Post subject: |
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Whenever I go to a Thai hospital to see a doctor they never ask me for nedical insurance....only money...and nowadays it sems more and more and more!!!!! |
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plumpy nut
Joined: 12 Mar 2011 Posts: 1652
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Posted: Tue Sep 02, 2014 4:17 am Post subject: |
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EFL Educator wrote: |
Whenever I go to a Thai hospital to see a doctor they never ask me for nedical insurance....only money...and nowadays it sems more and more and more!!!!! |
In an emergency lots of luck getting treatment without cash, but then again why should a poor country have to pay for the medical treatment of somebody from a more affluent country. Whether or not you are provided with a good medical insurance is something to consider when coming over to work in Thailand. If you arrive without cash make sure you your countries embassy emergency phone number in your wallet. You might want to keep and emergency quarter inside your utility belt to call them with. |
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Wed Sep 03, 2014 12:15 pm Post subject: |
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plumpy nut wrote: |
but then again why should a poor country have to pay for the medical treatment of somebody from a more affluent country. |
Maybe we should all look at the hippocratic oath again. Since when should medical treatment be all about profit? What about the poor in poorer countries? If they don't have the cash too bad for them too eh.
Some of us think of medical care as a fundamental human right. If the technology and skill is available, it is imperative to treat an injured or sick person. I'm talking reasonable stuff here, not multiple bypass surgery or brain transplants. |
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Wed Sep 03, 2014 12:17 pm Post subject: |
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1st day in Vientiane and already got an interview tomorrow. Just dumb luck I think and no idea if I'll be hired. Btu promising! |
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EFL Educator
Joined: 17 Jul 2013 Posts: 988 Location: Cape Town
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Posted: Wed Sep 03, 2014 12:23 pm Post subject: |
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Laos is booming with EFL teachers coming from the south.....and their visa/work permit rules actually are quite stable...and they actually welcome English teachers unlike their southern neighboor. Good luck & Sabaidee lao!!!!!! |
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bluetortilla
Joined: 18 Apr 2006 Posts: 815 Location: Henan
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Posted: Wed Sep 03, 2014 12:30 pm Post subject: |
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EFL Educator wrote: |
Laos is booming with EFL teachers coming from the south.....and their visa/work permit rules actually are quite stable...and they actually welcome English teachers unlike their southern neighboor. Good luck & Sabaidee lao!!!!!! |
Well EFL E you make the exodus sound like a good thing!
Hopefully the boredom will keep that at bay or else the 2nd and 3rd cities will start offering more opportunities.
I'm changing my moniker to Lao Ding (老丁- sorry, don't know it in Lao yet). |
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