Thailand is endowed with remarkable monuments and tourist centers, which are toured occasionally by tourists from various parts of the world. These mind-blowing centers are not limited to the Iconic Grand Palace, Elephant Nature Park, Tiger Kingdom in Chiang Mai, and etc. Aside from the being visited for the sake of pleasure and spending vacations, Thailand’s credible and less expensive health care services predisposes her to being a place for medical tourism.
People from various parts of the world travel to Thailand for the purpose of satisfying their health needs, especially when the required medical service is bounded by certain kinds of constraint in their country of residence. Travelling abroad can prevent some costly and unforeseen situations, and therefore; it is wise to insure one’s trip before departing from his/her country of residence to Thailand. Trips can be insured by purchasing a suitable travel insurance policy from a credible insurance company. The travel insurance policy is meant to shield the policyholder from several kinds of financial risks, especially if some other supplementary options are included in the policy.
Types of travel insurance policies
There are two major types of travel insurance policies for various situations, and these plans are enumerated below as:
- Single Trip
- Annual Trip
Through these travel insurance plans, some insurance providers may offer an opportunity to extend the insurance coverage to a companion or family member. Provided a travel insurance policy is purchased by the potential policyholder, they will provide emergency evacuation and repatriation service in cases of chronic illness or death of an insured tourist or foreigner.
Cost of travel Insurance policies
The cost of acquiring a travel insurance policy is not fixed, and as such; the premium of any insurance policy depends on several driving factors. These factors are not limited to the following below.
The total premium for a short trip is less expensive when compared to the total premium required to insure a long trip.
Extending the insurance coverage to individuals above the age to 2 years, will require an increased premium. More so, a high premium is associated with multiple companions. For instance, some insurance companies provide the capability for the insured to extend the insurance policy’s coverage to children below 2 years, without incurring an additional cost. Contrary to this, a huge amount of premium will be required to extend coverage to other family members, close relatives or friends, and the cost of such extension will be multiplicative.
The travel insurance policy can be supplemented by including non-medical options to protect the policyholder from certain event that may be financially catastrophic.
Several Insurance companies do not cover pre-existing condition, but a handful of them provide policies with the capabilities to cover several kinds of pre-existing conditions at an increased premium.
The cost of the travel insurance policies could be determined through the insurance company’s customer care.
Additional Options included in the travel insurance policies
By default the travel insurance policies from several insurance companies provide their insured clients with medical coverage, inpatient, outpatient treatment, medical evacuations and repatriation. A hand full of these insurers may provide coverage for a list of sport activities, by default, but; it is good practice to inquire about coverage for sport activities from either an experienced insurance broker or the insurer’s customer care.
Apart from the services offered by default, the travel insurance policy’s coverage is capable of being extended by including other options, which are non-medical. These additional options are not limited to the following enumerations below.
What are not covered by the insurance policy?
Insurance companies will deny coverage in the following cases:
- The insurance company will not be responsible for covering medical expenses or compensation associated with cases of suicide or deliberate self-inflicted injuries.
- False declaration of health status. If the insured provides wrong information about his/her health condition, the insurance company will refuse subsequent coverage. Hence, it is better to present valid information about insured’s health condition, even when these issues are confirmed after purchasing the insurance policy. For instance if the insured is diagnosed of a terminal illness that was not stated initially, the insured must inform the insurance company in order to prevent denial.
- Pre-existing conditions are not covered by several insurers, and only a handful of these insurers would cover pre-existing conditions at a high premium.
- Accidents caused as a result of drug abuse or alcoholic intoxication will be treated as deniable by the insurance company.
- Expenses associated with treating menstrual abnormalities, impotence and birth control and artificial insemination will not be covered by the insurance.
- Trips to regions experiencing civil unrest, state of emergency due to act of terrorism, natural disasters or epidemic outbreak.
- Travelling for the purpose of medical treatment. Such programs are covered by organization providing medical tourism.
- The insurance coverage will fail if the accidents are experienced as a result of the insured’s fault. For example, if you don’t pay attention to risk reports and updates provided by your insurer.
Actions taken in times of distress
- During emergencies or distress, the insured is expected to dial the insurance company’s customer care number provided in the insurance document.
- The insured shall narrate and explain all details and symptoms to the insurer’s customer care agent.
- The agent will direct the insured to the address of the nearest recommended hospital within the insurer’s network.
- Medical bills should not be paid without written consent of the insurance company, unless the insured is in a critical medical condition requiring immediate attention.
- The insured must provide insurance card to the proper medical staff in the hospital, and consult the recommended physician.
- The insured must go to the recommended pharmacy with the doctor’s prescription.
Keep all receipts, schedule dates and transportation documents indicating expenses on treatment, medicine, medical procedures, surgeries and transportation.
Cost of Hospital Services in Thailand
Compared to other countries, the cost of medical services in Thailand are quite moderate, especially in the absence of medical insurance. For instance, the following medical expenses presented in the table below:
Travelers are advised to ensure that they are up to date on routine vaccinations before leaving for Thailand. This will enable tourists and other foreigners to prevent several risky and deadly disease that could ruin the purpose of the trip. According to the Center for Disease and Control (CDC), visitors of Thailand should beware of the following health issues below:
- Hepatitis A
- Hepatitis B
- Yellow Fever
- Japanese Encephalitis
All these diseases can be prevented by:
- Ensuring regular vaccination.
- Avoiding the consumption of unclean water and food.
- Staying away from strange and untamed animals like dogs, cats and etc.
- Avoiding the use of unsterilized medical instruments.
- Staying in clean environments that are unconducive for bugs like mosquitoes and etc.
Travelers should avoid the intake of tap water, rather; they should purchase a properly sealed bottled water. They should also avoid the consumption of improperly cooked meal, or unpeeled and unwashed fruits. Lastly, travelers should avoid meals from strange food vendors.
Emergency numbers in Thailand
Climate and Weather
Thailand is characterized by a tropic climate with a high humidity and an average annual temperature of about 850F.
There are three major seasons, namely:
- Hot (March to May)
- Cool (November to February)
- Rainy (June to October)
It is more convenient to travel to Thailand during the period of November and March. During such a period, the weather is optimum for tourism and provides the opportunity for tourists to explore the remarkable tourist centers and the Thai culture to a great extent.
Over the past years, Thailand has been plagued by Earthquake, Tsunamis in the following places:
Apart from Tsunamis, Thailand is also prone to flood, storm, drought and Landslides.
Road Accident Rate
Thailand is ranked as the 2nd country in the world with an annual accident mortality rate of 44 per hundred thousand inhabitants. The World health Organization revealed that about 24000 people are estimated to perish on the Thai roads annually, and 73% of these victims are motorcyclists. The rate of Thai’s road accidents increases during the period of December to January and during the festive periods of April.
Crime rate in Thailand
Just like any other place in the world, Thailand is not free from criminal activities. These activities range from pickpocketing to some forms of organized crimes. Therefore, tourists should beware of property scam, credit card fraud, drink poisoning, sexual assaults in tourist centers like Kon Samui Archipelago and Krabi, especially during the monthly full moon parties. Numbeo revealed that Thailand has a crime index of 47.53%.
The following is a list of crimes and their rates:
There is a tendency for the occurrence of terrorist attacks in Thailand, especially in public places that are frequently visited by tourists and also during the remarkable Songkran festival, held every 13th April. In the past, grenade attacks and bombs have been launched in several remarkable places. Tourists and other foreigners should heed the Thai local authorities’ instructions. The following timelines reveal some of the terrorist activities that have occurred in Thailand over some periods.