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Insurance to Thailand

Thailand on the world map

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.

Some Insurance companies may offer travel insurance services for various premiums, depending on their interests, organizational goals and business strategies. Some companies may require the insured to pay certain amount of deductibles, while other insurers may not require the insured to pay deductibles before the actual coverage can begin to take effect.

The age of the individual seeking the insurance policies determines the cost of the insurance policy. For instance, the premium for an adult will be less expensive than the premium required to cover a child or an old person between the ages of 64 to 70 years.

Trip duration

The total premium for a short trip is less expensive when compared to the total premium required to insure a long trip.

Companion

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.

Additional options

The travel insurance policy can be supplemented by including non-medical options to protect the policyholder from certain event that may be financially catastrophic.

Pre-existing conditions

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.

Note:
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.

An additional option that provides compensation for the occurrence of accidents, which directly results in the death or dismemberment of critical body parts or permanent disablement of an insured, upon the inclusion of the aforementioned option by the insured.

The Accident Insurance takes care of the expenses associated with unforeseen and risky events, which are influenced by accidents, provided these events are covered in your insurance policy.

The accident insurance policy will provide compensation during the following cases:

  • Death caused by Accident, and not by a previously existing illness.
  • Loss of Limbs.
  • Loss of Extremity.

A non-medical option that prevents the insured from experiencing certain inconveniences, arising from the loss or destruction of personal properties during flights and throughout his/her vacation abroad, provided the aforementioned option is include in the insurance policy.

Baggage Insurance protects the insured from risks associated with loss or damage of personal belonging to theft, fire or disasters (which could be natural or manmade), while you are out of your country of residence.

For instance, if the insured includes this option, it will cover the expenses associated with the loss of the following items below:

  • Luggage.
  • Non-commercial Electronic Equipment.
  • Cash.
  • Passport.
  • Tickets.
  • Credit cards.
  • Personal Medications.
  • Driver’s License.
  • Clothes and shoes.

Covers the legal liability arising from property damage or bodily injuries inflicted on a third-party by the insured, provided the option is included by the insured.

For instance:

  • An insured may strike a golf through the windscreen of a third-party’s vehicle unintentionally.
  • The insured may inflict injuries on a third party during a kickboxing event at the Muay Thai camp, or cause a third-party to twist an ankle during an outdoor activity.
  • Due to ignorance, the insured may trespass against the Thai law.
  • The insured may damage expensive artifacts in Jim Thompson House - one of the most popular Thai museums, or inadvertently damage properties at a Thai cooking class while learning to cook some Thai dishes.

The personal liability insurance will cover the legal liability of the insured due to these damages and injuries caused in the examples above, especially when the third-party sues the insured.

If included, the travel insurance will guarantee the coverage of any case that may cause the delay or postponement of the insured tourist’s journey as a result of certain conditions, shortly after acquiring a ticket to Thailand. When a travel delay occurs, the insurance will compensate for any inconveniences warranting accommodation, feeding and subsequent transportation required to proceed with the planned trip, provided the insured presents concrete evidence of these expenses.

The insurance will cover or protect the insured from the following situations:

  • Delay of more than a certain amount of hours of an initially booked transportation.
  • Cancellation of an initially purchased ticket.
  • Multiple reservation.

The insured might not be capable of proceeding with the trip on the scheduled date of departure, due to occurrence of certain events beyond the insured’s control.

The following instances may require the cancellation of a scheduled trip:

  • The Insured may be advised by a physician against taking the trip.
  • The sudden death of the insured’s family member or immediate relatives.
  • The Thailand authorities might refuse entrance into their region until certain issues are resolved.
  • Sudden change of itinerary as a consequence of the airline’s present condition.

Note:
These events will be covered provided the following conditions:

  • The insured includes this option in the travel insurance policy.
  • If these events occurs after purchasing insurance policies document.
  • The insured actually cancels the trip and provides proper documentations which indicates such cancellation.

Dental insurance is designed to provide affordable access to oral and dental care, assistance in payment of basic preventive and fundamental services for travelers.

This option provides opportunities for the insured to receive the following services, provided it is included:

  • Regular Cleanings.
  • Filling of gaps.
  • Crowns and root Canals.
  • X-rays.
  • Oral Examinations by the Dentist.

Thailand is known for several outdoor activities like:

  • Chiang Mai’s Flight of Gibbon
  • Sky diving
  • Kickboxing
  • Jungle trekking
  • Fly boarding in Kon Samui
  • Bamboo rafting
  • Diving and
  • Rock climbing

If the insured is a sport aficionado, and intends to partake in these aforementioned exercises during the trip, it will be advisable to include the sport insurance option. For instance swimming, climbing hills, playing cricket or football might warrant the inclusion of this option.

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.

Note:
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:

Medical Services
Cost ($)
X-Ray
15-40
Doctor consultation
8-20
Pack of Panadol
0.40
Treatment of Broken Arm
300
Heart Surgery
4000
Dental Care
Clearing
20-30
Fillings
30 each
Braces
200
Tooth Extraction
30 per tooth

Safety

Health issues

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
  • Malaria
  • Influenza
  • Cholera
  • Typhoid
  • 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.

Note:
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

Services
Telephone Numbers
Police
191
Ambulance and Rescue
1554
Fire service
199
National Disaster Warning Center
1860
Medical emergency center
1669
Private Air Ambulance
025867654

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.

Natural Disasters

Over the past years, Thailand has been plagued by Earthquake, Tsunamis in the following places:

Places
Mortality
Krabi
203
Phuket
111
Phang Nga
2114
Ranong
6
Toang
2
Source: National Response and Contribution of international partners

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:

Crime
Rate (%)
Armed Robbery
48.72
Vandalism and Theft
51.29
Drugs trafficking
62.75
Bribery
87.42
Home Burglary
48.72

Terrorism

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.

Date
Incident
April 2017
Explosion in Bangkok
October 2016
Disruption of a planned Terrorist attack in Bangkok
August 2016
Multiple explosions of IEDs in Hun Hin, Tranh, Krabi, Nakhon Sri Thammarat
February 2015
Explosions at Siam station of Bangkok's

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