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Author Topic: Best (cheap) Place for Med Insurance Exam?  (Read 660 times)

Rex (Admin)

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Best (cheap) Place for Med Insurance Exam?
« on: July 25, 2020, 12:07:04 PM »
Hi all.  Pertaining to my recent post about Pacific Cross health coverage, they require a physical exam. Oh, Joy!  Visiting a germy hospital in the midst of Covid-19!  Anyway,  the fee for the physical is reimbursable up to 10% of the cost of the premium. I didn't ask, but I suspect that should I be delicined or decide not to buy the policy, the cost of the exam will not be reimbursed.  I wouldn't mind having a physical, but with the cost of buying new (or renewing BUPA) coming up next month, money is an issue, so I am looking for the best deal.

I understand that these physicals can cost anywhere from 7K - 15K and more.  Anyone suggest the best value for this type of exam?

Tks, lah!




fceligoj

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #1 on: July 25, 2020, 01:17:14 PM »
What is required, the minimum physical?  That is the question, and would define the exam cost.  If you had that detail from Pacific, then you could go to a hospital with the requirements and they cold tell you the price.

Last year I received the best physical exam I had ever gotten in my whole career with American companies.  It also came with a Father's Day special price.  All this was done at Ratchaphruek Hospital.  For example, last year the regular price was 7,130 thb, discounted to a special price of 3,900 baht.  Don't know the cost this year though.  You'd have to go and get their pamphlet.

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #2 on: July 25, 2020, 06:27:13 PM »
Thanks Frank.  I have emailed the exam form to Rajapruek, RAM and Bangkok. Any other suspects? Does the "heart hospital" do this kind of exam?

Aside from a personal history and the usual poking and prodding and loss of dignity, Pac Cross wants the following lab tests.  I don't know if this is standard, extreme or minimal.


Chest X-ray
ECG
Routine Urinalysis
Complete blood count
hepatitis testing B,C
Lipid Profile
Uric Acid
Liver function
Kidney function
Fasting blood sugar
Hemoglobin
PSA
Stool
C-Reactive Protein

Cheers!
« Last Edit: July 26, 2020, 08:49:49 AM by Rex (Admin) »

Red Parrot Fish

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #3 on: July 26, 2020, 08:43:35 AM »
I got myself a Pacific Cross policy January 2019.
Being over 65 I had to have the medical.
Myself and the Wife went to Ratchapruek and the Ram to get a price.
Ratchapruek wanted around 13,000 baht. Ram was 7,800 Baht.
I guess Ratchapruek have to pay for there new hospital.

I was accepted with a couple of exclusions.
Received a percentage of the medical fee eventually. Took a bit of pushing on my part.
It was a lot more than 10%
I was told that you still get it even if refused by them. Nothing in writing though.

Medical was not too bad apart from the finger up the bum.



Was previously with AIA until I realised what poor value it was.
Basically a Life Insurance with a health policy tagged on.
« Last Edit: July 26, 2020, 08:46:47 AM by Red Parrot Fish »

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #4 on: July 26, 2020, 08:50:37 AM »
Hello stranger!  Long time no see!

Thanks for all that.  Very helpful. 


One thing I should add about Pac Cross is that they offer a 20K and 40K deductible which reduces the premium a lot. I understand that deductibles are not very common with Thai insurance for some reasons.
« Last Edit: July 26, 2020, 08:53:06 AM by Rex (Admin) »

Red Parrot Fish

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #5 on: July 26, 2020, 12:33:30 PM »
Yep. Remove the outpatient cover and take a deductible will save a lot.
I have the 20k deductible.

I try to stay out of forums nowadays but saw that you needed some help.

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #6 on: July 26, 2020, 01:20:44 PM »
Unfortunately 40K of outpatient is required now for OA visa holders. I suspect that sooner or later, it will apply to O as well. Too bad.  It's not a good deal usually.  In trying to anticipate it becoming required and asked BUPA about adding it.  Get this: the only amount of OP coverage available, 75K.  Can't get it for 40K.  The real joke is that, adding this coverage would increase my premium by 50K.  What a joke!  50K for a potential of 75K that you would probably never use anyway.

screamer

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #7 on: July 26, 2020, 01:27:46 PM »
I wonder how many times in a row you can come in on a 30 day tourist visa and keep doing a visa run?

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #8 on: July 26, 2020, 08:58:22 PM »
At the moment,  almost no one can enter the country on any kind of visa, so the question is moot.

More generally--apart from Covid-19--I got the impression that agents at border crossings and at airports were being much more strict about back-to-back tourist visas.  However, I have not heard much about it lately. And the last time I saw an old friend, he informed me that he has been living back & forth from Laos for years now, and continues to enter Thailand whenever he wants on tourist visas.  So, go figure.

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #9 on: July 27, 2020, 06:41:52 AM »
14K - Bangkok Hospital - Answered my e-mail right away and on a Sunday. That was nice of them, but I assume they will come in highest of the three I contacted. I wonder if I get a reply from the other 2?  I don't fancy spending a whole morning running around getting quotes in person.


7.5K - RAM
« Last Edit: July 27, 2020, 04:53:05 PM by Rex (Admin) »

fceligoj

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #10 on: July 27, 2020, 07:12:21 PM »
Why don't you call?  They do speak adequate English (at least someone in the nurse's station in reception.)

Ratchaphruek:   043 333-555 ext 3000 or 3001

Srinagarind:  043 366-312

The last time I checked, Srinagarind should have the most reasonable rates even for the most complete set of tests.

When I did it for AIA, the agent took me to the hospital and took care of the complete bill!  The most critical test was blood pressure.  If you don't get quite a bit below 150/xx, you will most likely get an additional premium on the rate.

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #11 on: July 27, 2020, 10:09:34 PM »
My concern about the BP is the wording of the exclusion on my BUPA policy:  "Hypertension and it's complications."  That gives them leeway to exclude almost anything related to cardio, circulatory, pulmonary and renal.  I don't care if treatment for the hypertension itself is covered; it doesn't cause any problems and the medication isn't costly.

Surfer

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #12 on: July 28, 2020, 07:23:39 AM »
Ratchapruek have an American lady working in Admin. If my memory serves me well her name is Ann.  Try calling the hospital and asking for Ann in Admin. or the "American lady in Admin.
When I was an In patient last November, she very kindly took my passport and papers to Immigration and sorted out my 90 day report.

Reuben

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #13 on: July 28, 2020, 08:29:31 AM »
Her names is Karen and her email address is karen.w@rph.co.th.

Rex (Admin)

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Re: Best (cheap) Place for Med Insurance Exam?
« Reply #14 on: July 28, 2020, 08:31:34 AM »
Thanks guys!    smiley32   smiley32   smiley32