Question 1

How do I choose which Health plan is the best for me?

Accepted Answer

Choosing a Health Insurance plan can be quite challenging. The best choice of plan depends entirely on your personal circumstances such as age, family composition and overall health. AA Insurance Brokers is more than happy to guide you through the maze of all different Health Insurance plans, their benefits, advantages and disadvantages so that you and your family are free from care.

Question 2

What kinds of Health Insurance are available in Thailand?

Accepted Answer

In Thailand two types of insurance are available: 1. Insurance policies that cover almost everything for 100% and 2. the so-called limited insurances. The limited plans are generally cheaper however have limits set to almost everything. For example: room and board, max. 4,000 Thai Baht/day. These type of insurances carry the risk that clients end up paying a (substantial) part of the hospital bill by themselves.

Question 3

What is the difference between Inpatient and Outpatient?

Accepted Answer

Inpatient (hospitalisation only) is a term that is used in case you are hospitalized. I.e. admitted to the hospital for a certain amount of time. Outpatient care is the care you receive when you go to a hospital, when you consult a general practioner, receive the prescribed medication and then return back home. Please note that the definition of Inpatient care might differ amongst insurance companies. It therefore does not always mean an overnight stay. Sometimes being assigned to a hospital bed for a certain amount of time will qualify as inpatient care.

Question 4

What is a waiting period?

Accepted Answer

A period defined under the insurance policy before a select list of medical conditions and/or ailments start getting covered under your intended Health Insurance policy. Once the defined waiting period is over, the insurance company can no longer deny a claim.

Question 5

What is a deductible?

Accepted Answer

This is the amount you pay for health care before your insurance kicks in. For example: you have a USD 5,000 deductible and your Hospital bill is USD 10,000. You will have to pay the first USD 5000 and your insurer will cover the remaining USD 5,000. If it is an annual Deductible, you will only have to pay the Deductible amount 1 time per Policy Year.

Question 6

What are pre-existing conditions?

Accepted Answer

Any health condition that a doctor has previously diagnosed you with prior to your health plan taking effect, can be labelled as a pre-existing condition. Please be aware that if you decide to switch insurers, the new insurance company may exclude any medical conditions you have had treated whilst insured with the previous insurer.

Question 7

Is Health Insurance getting more expensive with age?

Accepted Answer

Yes. In general, insurance premiums will increase in age brackets of five years. While the premiums of some Health Insurance plans skyrocket while growing older, others stay quite affordable.

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