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Insurance for individuals?

 
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bluetortilla



Joined: 18 Apr 2006
Posts: 673
Location: Fukuoka

PostPosted: Wed Jun 18, 2014 3:08 am    Post subject: Insurance for individuals? Reply with quote

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: 265

PostPosted: Wed Jun 18, 2014 5:12 am    Post subject: Re: Insurance for individuals? Reply with quote

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: 673
Location: Fukuoka

PostPosted: Wed Jun 18, 2014 5:55 am    Post subject: Re: Insurance for individuals? Reply with quote

suphanburi wrote:


The problem is that most of them won't cover "preexisting" medical conditions.

.


So they all require an exam? About how much do the policies cost?
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suphanburi



Joined: 20 Mar 2014
Posts: 265

PostPosted: Wed Jun 18, 2014 6:33 am    Post subject: Re: Insurance for individuals? Reply with quote

bluetortilla wrote:
suphanburi wrote:


The problem is that most of them won't cover "preexisting" medical conditions.

.


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: 673
Location: Fukuoka

PostPosted: Sun Jun 22, 2014 7:47 am    Post subject: Reply with quote

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: 265

PostPosted: Sun Jun 22, 2014 8:07 am    Post subject: Reply with quote

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: 673
Location: Fukuoka

PostPosted: Sun Jun 22, 2014 12:19 pm    Post subject: Reply with quote

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.

.


Thanks. Done deal!

Why can't insurance around the world be reasonable like this?
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suphanburi



Joined: 20 Mar 2014
Posts: 265

PostPosted: Sun Jun 22, 2014 12:30 pm    Post subject: Reply with quote

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.

.


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: 673
Location: Fukuoka

PostPosted: Sun Aug 31, 2014 11:31 am    Post subject: Reply with quote

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: 392

PostPosted: Mon Sep 01, 2014 2:13 am    Post subject: Reply with quote

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!!!!! Rolling Eyes Rolling Eyes
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plumpy nut



Joined: 12 Mar 2011
Posts: 791

PostPosted: Tue Sep 02, 2014 4:17 am    Post subject: Reply with quote

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!!!!! Rolling Eyes Rolling Eyes


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. Laughing
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bluetortilla



Joined: 18 Apr 2006
Posts: 673
Location: Fukuoka

PostPosted: Wed Sep 03, 2014 12:15 pm    Post subject: Reply with quote

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: 673
Location: Fukuoka

PostPosted: Wed Sep 03, 2014 12:17 pm    Post subject: Reply with quote

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: 392

PostPosted: Wed Sep 03, 2014 12:23 pm    Post subject: Reply with quote

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: 673
Location: Fukuoka

PostPosted: Wed Sep 03, 2014 12:30 pm    Post subject: Reply with quote

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! Sad
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). Smile
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