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Golden beaches at Koh Samui. A trip to the James Bond Island at Khao Phing Kan, featured in “The Man with the Golden Gun”. Beautiful pagodas. An ever-smiling populace. These are just a few of the perks of staying in Thailand.
An emerging Asian nation with booming tourism and a growing industrial base, Thailand attracts expatriate workers by the thousands.
The standard of living in this southeast Asian nation is high; society is more liberal than Malaysia, and life is less strict than in Singapore.
But can you pack for Thailand without buying Thailand expatriate medical insurance? We explore the situation of the Thai public healthcare system.
Among emerging economies, Thailand’s is a welcome break from the complete anarchy found in public healthcare services elsewhere. The Thai public healthcare system is funded by the government. In 2001, the nation introduced sweeping health reforms known as the Universal Coverage Scheme (UCS) that covers at least 98% of the population.
If you relocate to Thailand, your medical bills would be provided for through contributions to social security. Thailand’s public hospitals are quite high class. Bumrungrad International Hospital in Bangkok consistently ranks among the top ten facilities of its kind in the world.
If you have a social security number and a corresponding UCS card, treatment is entirely free of charge on all days except Saturdays. If you do not hold a UCS card, you can still take advantage of treatment, but you’ll have to pay for it out of pocket. More than 75% of the beds in the country are at public hospitals.
The quality of primary healthcare you receive in Thailand depends on the local physician. They are not covered under UCS, and the cost has to be met upfront. For less severe maladies, it is often an easier way to avoid long lines and waiting times.
To consult a specialist, you do not need to be referred by a general practitioner. You can simply ask for an appointment at any public hospital.
Medications prescribed at public hospitals are free of charge. You are also free to buy medicines from private pharmacies at market prices.
For years, the Thai public healthcare system has been lauded as one of the best in the world. But it is plagued by the same problems that most universal healthcare systems face: long wait times and too few doctors.
Although there has been no formal study, it appears from anecdotal evidence that the Thai healthcare system is beginning to show some fissures. It is mostly due to a lack of trained doctors and nurses, which leads to long waiting times. One estimate placed the ratio at one doctor per 565 persons (roughly) in Bangkok and one per 2,870 (again, roughly) in the countryside.
Like elsewhere in the world, an efficient private healthcare system has evolved here, too. These private hospitals in Thailand offer excellent healthcare with almost zero waiting time.
The coexistence of private and public healthcare has developed satisfactorily and can be leveraged by an expat when buying private health insurance. The cost of Thai private healthcare is low, and for this reason, Thailand is the main competitor to India as a medical tourism destination in the south Asian region.
An expatriate health insurance plan is unavoidable if you want to work as an expat in Thailand. The fine print of most expat policies is quite hard to understand, and you need to be careful before you buy one. How should you scrutinize a policy before you pick one? We share some useful pointers.
While you navigate the world of global insurance, remember to check which plans are relevant for you. Then, compare them to make sure you get adequate protection for a reasonably low price.
To work as an expat in Thailand with peace of mind, purchase a Thai expatriate medical insurance plan. Choose insurance from a provider that offers daily customer support to make sure you don’t face any unnecessary hassles when the time comes to apply for a claim.
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Purchase travel medical insurance that includes emergency medical evacuation.
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Purchase international student health insurance that meets most school requirements.
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