When you live in Thailand, it is advisable to take out private medical insurance, which can help prevent expensive medical bills if you have a health problem. When you look at the many health insurance providers online, you will see many options you can choose, which means you will need to do some research before buying yours. Below are some of the considerations you will need to factor into your search to help ensure you get the best medical coverage when living in Thailand.
Pre-existing Medical Conditions
If you already have an existing medical condition, you will need to find a company that will include this in your policy, depending on what the problem is. Some insurance providers will not offer coverage for pre-existing medical conditions. If you lie on your application and during the health check-up, it may nullify your policy entirely.
The Level Of Coverage You Require
You will also have to consider the level of insurance coverage you want for your policy, and the more coverage you have, the higher your premiums are. The standard of medical care in Thailand is excellent in private hospitals, but treatments and procedures can also be expensive, so you will need to ensure you have suitable coverage. Compare the different providers and see what level of coverage they offer for a premium that you can afford, and you will also want to see what is included in their policies.
What Is Covered In The Policy
You will want o look at what your potential health insurance policy will cover you for, and some of the cheaper policies may not cover you for serious illness such as some types of cancer. Some health checks up may not be covered in your policy, so if you have to have something like a gynecology check-up, Bangkok hospitals will often charge you for this service, and your insurance will not cover it.
Do Your Research & Shop Around
You will want to ensure you do plenty of research in the different companies offering medical insurance in Thailand and compare prices and coverage details. Many providers offer similar policies with similar coverage, but the price you pay for this can vary drastically. By taking the time to shop around when looking for medical insurance, you can help ensure you get the best deal possible and save yourself some money. If you do not have health insurance and it is not something you think you need, there are some horror stories on the internet you can read which may change your mind.