Insurance advice warning

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kakariki
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Insurance advice warning

Post by kakariki » August 16, 2019, 12:31 pm

When I booked my flight from Aust to Bkk with Thaiair I took up the insurance option that comes with the ticket for 299THB in addion to purchasing normal travel insurance. Yesterday I was admitted to Wattana after an incident, and stayed overnight and was to be released early this morning. The hospital would not let me leave because they hadn't recieved comfirmation of the claim back from the insurance company which may take all day adding more time to me inconvenience. After carrying on a bit they finally let me leave (also because I need my heart pills which were at home).
So be careful about using this policy, it caused a lot of inconvenience including me having to rechedule my flight home, getting a one day extension to my visa plus other costs which they won't pay. I've used other travel policies from Aust before, when I went to hospital, called them and they immediately gave the hospital payment clearence.
Barry



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tamada
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Re: Insurance advice warning

Post by tamada » August 17, 2019, 12:25 pm

kakariki wrote:
August 16, 2019, 12:31 pm
... I've used other travel policies from Aust before, when I went to hospital, called them and they immediately gave the hospital payment clearence.
Barry
So I wonder why you didn't avail yourself of this tried and tested travel insurance coverage this time?

Was the Chubb Samaggi Insurance offered by the airline cheaper?

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kakariki
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Re: Insurance advice warning

Post by kakariki » August 17, 2019, 1:23 pm

I have the two policies, and showed them both, but they used the wrong one, a breakdown in communication while I was lying in ICU.

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Barney
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Re: Insurance advice warning

Post by Barney » August 17, 2019, 1:40 pm

kakariki wrote:
August 17, 2019, 1:23 pm
I have the two policies, and showed them both, but they used the wrong one, a breakdown in communication while I was lying in ICU.
Hope all is well kakariki, I imagine being crook put a dampener on travels.
I suppose a good lesson to come out of your misfortune is make sure the missus or some one close has the details.
I have always worried about being out to it when admitted.
My girl has my policies close at hand.
In the past I always had the Cigna gold card with my old companies and always had my card registered at the BKK hospital just incase of being in your unlucky circumstance, but, I now have a different policy and will check next time in town at the hospital.
I had a 6 month tourist visa recently between jobs and used Australia's Medicare Private travel and health insurance, they were the easiest for me to get coverage for riding a scooter up to 200cc and also my past history of an operation. Not cheap but was 1,000 AUD for the 6 months but full top coverage throughout SE Asia and also paid extra to reduce the first up cost.
Hope your on the mend.

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kakariki
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Re: Insurance advice warning

Post by kakariki » August 17, 2019, 2:51 pm

Luckily not too crook, just a Cobra bite.
I've used policies before without a problem, it's just they used the wrong one. To top it off the hospital claimed the medical bill which got paid, but because I didn't submit my extras with it, I need to do a new claim ;(

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Paul
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Re: Insurance advice warning

Post by Paul » August 18, 2019, 2:29 pm

"The hospital would not let me leave because they hadn't received confirmation of the claim back from the insurance company which may take all day adding more time to me inconvenience."

Interesting comment and completely goes against the accusation that Foreigners were abusing the health system here and leaving with unpaid bills - and cited as a reason why they want to introduce compulsory health insurance. Hospital are a business and are unlikely to let you leave without paying your bill, or in some cases even begin treatment until you can show how you are going to pay.

Wish you a speedy recovery and thanks for sharing your experience.

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kakariki
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Re: Insurance advice warning

Post by kakariki » August 18, 2019, 4:23 pm

Thankyou

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