Thailand's domestic medical insurance system currently consists of the following three parts:
1: Thailand medical insurance
No matter what organization or company, it is necessary to provide medical insurance for its employees unconditionally. Here are two kinds.
One is the medical insurance provided by ordinary enterprises to employees themselves. If there is an upper limit, it must go through certain approval procedures, but it is generally approved.
The other is state institutions and state-owned enterprises, as well as large joint-stock companies and multinational enterprises, which provide medical insurance for specific relatives of employees in addition to their own medical insurance. There is no upper limit for this person, but there is an upper limit for relatives.
The above two kinds of rights automatically enjoy no less than 6 months when I resign from my original unit. I (or entrust others) continue to pay the medical insurance fees paid by the original company, and I can enjoy medical insurance benefits until I stop paying. Employees of this medical insurance system can enjoy the medical resources of all state-owned hospitals and some private hospitals free of charge.
At present, the Ministry of Health of Thailand is working hard to establish a health insurance system for foreign citizens, to promote foreign patients receiving medical services in the border areas of Thailand to purchase social insurance, and to find a legal model for foreign groups such as foreign tourists and foreign Thai elderly people to purchase health insurance.
2. Thailand 30 baht medical plan
(Only converted into RMB 6 yuan)
All citizens over the age of 12 can enjoy the opportunity of seeing a doctor in any state-owned hospital at 30 baht each time as long as they can apply for a medical card at the relevant institution with their identity documents. The scope of medical treatment includes all diseases in principle.
The expenses are paid by the state finance to the hospital according to the standard of 600 baht per person per year for outpatient service, and according to the standard of disease expenses for hospitalization. The contents of insurance mainly include outpatient, first aid and hospitalization. The cost of each outpatient or hospitalization is 30 baht (excluding personal prevention and health promotion services), and the poor are exempt from paying 30 baht.
From the perspective of national medical security coverage, 30 baht health insurance accounts for more than 75% of the national population.
Coverage is wide, and the level of protection is inevitably low. All hospitals that sign up for the medical insurance system are given a package price by the medical insurance bureau, which is definitely lower than the actual treatment cost, similar to the wholesale price. This has led hospitals to reduce treatment in order not to lose money, such as not doing instrument inspection and not prescribing good drugs.
3. Medical insurance for the elderly and children in Thailand
Thai citizens over 60 12 years old enjoy free treatment in state-run hospitals. Just get a simple medical card.
How do foreigners buy medical insurance in Thailand?
All the above are medical insurance systems for Thai citizens, and foreigners can only go to private hospitals. Those who plan to retire to Thailand had better buy commercial medical insurance.
Hospitals in Thailand
Hospitals in Thailand are divided into public hospitals and private hospitals in nature, from state hospitals to township hospitals in scale. There are also various specialized clinics. Generally speaking, public hospitals are inferior to private hospitals in terms of equipment, instruments and service quality, except for top hospitals sponsored by royal and government medical colleges. Therefore, the rich go to private hospitals more, the poor go to public hospitals more, spend more time in public hospitals and enjoy poor medical conditions.
There are two options to buy commercial medical insurance in Thailand.
First, choose a local insurance company in Thailand, and the general bank can directly audit it. Specific varieties can be consulted with local banks in Thailand, and creditor's rights can only be used in Thailand;
Second, choose international insurance.
Let's take AIA as an example to introduce international insurance
The advantages of international insurance are:
1, global claims, claims can also be made back home. Moreover, if you are in Thailand for a long time, it will be much more convenient to buy AIA claims in Thailand;
2. AIA's medical insurance mainly includes medical expenses caused by accidents, ward expenses caused by hospitalization, and claims for treatment expenses, laboratory expenses, minor surgery and other expenses. However, ordinary outpatient clinics such as colds and fever can't claim compensation, and active dental examination can't claim compensation.
The claim procedure is simple. You can get an AIA card after you have finished AIA, and you can just show this card directly when you see a doctor. Hospitals can settle accounts directly with AIA, as long as you don't have to pay in advance within the amount of claims.
However, we need to pay attention to several issues.
1. If you are in Thailand for a long time, try not to buy domestic insurance considering the problem of medical treatment in Thailand. Domestic insurance may not be able to accept medical expenses incurred abroad.
2. Choose only the insurance products you need. If you need medical insurance, choose medical insurance. Fund products may be uneconomical.
3. Find a qualified insurance agent in Thailand. According to Thai law, foreigners are not allowed to be insurance agents, and any China person who claims to be an agent is not a real insurance agent. Pay more attention to yourself.
4. Medical insurance is mainly aimed at medical expenses caused by accidents or other involuntary medical expenses such as hospitalization or surgery due to illness. Pregnancy and childbirth are not included.
Main medical insurance types of AIA Thailand
1: The most commonly used AIA in Thailand: H &；; Hospitalization compensation insurance
Regardless of age or sex, as long as you are hospitalized, this insurance will be reimbursed.
Take the medical insurance of 2200 baht as an example to illustrate the content of protection.
Male guests aged 20 to 60 choose 2200 baht, Thailand AIA H &；; The premium of S insurance ranges from 4598 to 97 12 baht.
The guarantee includes:
The room fee+meal fee+nurse service fee is reimbursed for 2200 baht/day, with a maximum of 125 days;
Reimbursement for ICU ward is 4400 baht/day, preferably 5 days;
The doctor's daily routine examination fee is 800 baht/day;
The drug cost is 20000 baht/time;
The operation cost is 60,000 baht/time;
Anesthesia fee is 6000 baht/time;
Operating room and operating room equipment use fee of 5500 baht/time;
3000 baht/time for examination and treatment during operation;
In case of accident, see a surgeon for reimbursement of 5000 baht/time within 24 hours.
2. critical illness insurance
Thailand AIA Care for Major Diseases is a new product released in May 20 17. You can choose 10 to pay the premium, or you can choose 20 years to pay the premium.
According to age, gender and physical condition, the premium ranges from 6000 baht to 500 thousand baht. There are four kinds of coverage: 200,000,500,000, 1 10,000,3 million. AIA will pay 20% in advance if major diseases are found in the early and middle stages during medical treatment; After that, AIA will pay 80% compensation if the patient dies and the condition develops to a late stage.
Take the big package (the insured amount is 654.38+00,000 baht) as an example to illustrate the guarantee content.
Choose to pay 10 year, 50490 baht per year; Choose to pay 20 years, and the annual premium is 28,440 baht.
10 * * Pay 50490 10 = 504900 baht, and compensate 100000.
In fact, 20 years also has advantages: first, the annual premium can be reduced by more than 20 thousand baht, and the economic pressure will be alleviated; Thirdly, if the insured suffers from serious illness in 12, or dies for any reason, AIA will still pay the beneficiary 1 10,000 baht without paying for it in the next 8 years.
The diseases covered are all the same. In the early stage, 18+44, the compensation is 200,000 in the early stage+800,000 in the late stage = 100 baht. If you want to surrender your insurance in the future, AIA will refund the deposit+interest to the customer.
Medical Insurance and critical illness insurance
Medical insurance is a kind of reimbursement insurance on the premise that the total reimbursement can not exceed the actual expenditure; Critical illness insurance is a one-time payment, which has nothing to do with the actual treatment cost and can be used for long-term rehabilitation and income loss compensation. The payment of medical insurance is for hospitals, and the payment of critical illness insurance is for the parties.
Disadvantages of AIA
The only drawback is that you can't buy AIA for tourist visas, student visas and accompanying visas. Pension sign, according to the pro-sign can be purchased.
Thailand hospitalization reimbursement insurance that can be purchased with any visa-BUPA insurance in Thailand.
BUPA insurance in Thailand merged with CIGNA insurance on 20 18 and will be renamed CIGNA insurance.
Bupa personal care hospitalization reimbursement insurance has four packages, and the premium of each age group is different. Under 6 years old, 25,765,438+06 baht; The premium for 6-40 years old is 9300- 12000 baht; The premium over 40 years old is increasing year by year, and the premium for 50 years old 16000 baht.
Take Package 2 as an example to introduce the guarantee content.
First of all, Bupa in Thailand reimbursed 2,500 baht/day for the room expenses necessary for hospitalization; If you stay in the intensive care unit, Bupa will reimburse 5000 baht/day, up to 15 days.
Secondly, of course, you have to take medicine and injections when you are hospitalized, which are included in the medical expenses. 30,000 baht/time for drug reimbursement. The maximum reimbursement for each hospitalization is 30,000 baht.
This medicine fee is a bit special. If you go to the surgical clinic within 24 hours after the accident and are not hospitalized, you can reimburse up to 4000 baht each time.
In addition:
Ambulance use fee reimbursement 1000 baht/time.
The operation expenses are reimbursed for 40,000 baht/time.
The doctor's daily examination fee is 600 baht/day.
Then there is the large medical compensation, which is the above items. Bupa will reimburse 80% of the excess, excluding the room rate, with the maximum reimbursement not exceeding 400,000 baht.
Finally, if the insured dies unexpectedly, 40,000 baht will be paid to the beneficiary.
Other medical insurance products
Can international insurance purchased in AIA or Hong Kong be used in Thailand?
It is also possible, but it should be noted that domestic insurance products are different from those in Thailand. Therefore, it needs to be used according to the conditions stipulated in the AIA varieties bought in China, such as some diseases can't be settled, and some cases can't be settled. Need to see clearly, the details can be confirmed with domestic friends at the time of purchase. Thailand can use it even if it is bought in China or other places, as long as it meets the claim part of the insurance clause.
In addition, many insurance companies in developed countries in Europe and America have insurance products covering medical institutions in Thailand. At present, some domestic insurance companies have also launched similar overseas medical insurance products. Compared with some general hospitals in Europe and America, the queuing time for examination and surgery is often as long as several months, and the appointment and diagnosis and treatment in Thai hospitals are more relaxed.
Introduction of medical level in Thailand
International standard certification
In the whole Southeast Asia, Kang Min Hospital and Samantai Hospital in Bangkok are the first hospitals to pass JCI (a subsidiary of the Joint Committee on Accreditation of International Health Institutions for Medical Institutions Outside the United States) and obtain qualification certificates.
JCI is the most authoritative standard for evaluating medical institutions, and the certificate issued by this institution is the "gold standard" for the medical level of global medical service providers. At present, about 53 hospitals in Thailand have obtained the certificate and are open to foreign tourists. Thailand's domestic medical policy environment generally encourages the development of transnational medical care. Thailand's domestic technology research and development capability is not strong, but its access to the world's advanced medical technology and medical devices is flexible. There are no top medical schools in the world, but most doctors in Thailand are good at English, and many of them have gone abroad for further study.
High degree of internationalization and good medical service.
Take Bangkok Hospital in Thailand as an example. This hospital is staffed with language translators from 32 countries. International treatment areas treat patients in different regions according to the languages of different countries, and adopt different treatment schemes for patients in different countries. In addition, compared with other medical tourism destinations, general hospitals in Thailand often have more comprehensive departments, so that patients can get a more comprehensive examination.
Many hospitals in Thailand claim to provide five-star services, and the infrastructure of private hospitals is generally perfect, while attaching importance to comfort. Many hospitals provide one-stop services such as visa, travel, examination, surgery, recuperation and customized travel, which is more convenient.
In addition to Bangkok, many hospitals are located in famous tourist cities such as Phuket, Pattaya and Chiang Mai. Thailand's relatively developed tourism industry makes medical care and tourism more closely linked. Many hospitals can also arrange tours for patients after treatment.
Medical care is relatively cheap.
International hospitals in Thailand can undertake all kinds of high-end and low-end operations, and the price is cheaper than that of developed countries in Europe and America. For example, heart bypass surgery is nearly 80% cheaper than many hospitals in the United States.
It took us more than a month to make a handbook on investment in Thailand, and I want to give it to you. If necessary, please pick it up at Hengfu Overseas official website.