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jvt22222
February 20th, 2008, 08:08
This is a cut-and-paste piece from STICKMAN's web site ................ very good info for elective medical care in BKK.

http://www.stickmanbangkok.com/Reader20 ... er4199.htm (http://www.stickmanbangkok.com/Reader2007/reader4199.htm)

A Tip for Medical Care in Bangkok By Don Entz

Costs for health care have been steadily rising in Thailand in recent years, and many farangs say the kingdom is no longer as good a deal as it once was. However, here's a tip for anyone facing the prospect of an expensive medical procedure: Go to Chulalongkorn Hospital.

A little over a year ago, I developed a shoulder condition that's age-related (I'm fast approaching 50). Nothing incapacitating, but there's a constant mild level of pain. Cortizone shots did not seem very effective, so I had an MRI at BNH Hospital here in Bangkok late last December. Without going into detail, I need an operation. BNH quoted Bt280,000! My insurance would cover only Bt75,000 of that, leaving me to pay Bt205,000. Yikes!

BUT, I happened to know that my doctor тАУ one of the top shoulder specialists in Thailand тАУ was actually based at Chula Hospital. He only sees patients two nights a week at BNH. So I made arrangements to see him at Chula. This is the SAME DOCTOR, mind you. BNH wanted Bt280,000; if I put myself into the queue for daytime surgery at Chula, the estimate is Bt87,000. That's quite a difference тАУ Bt280,000 versus Bt87,000 тАУ and insurance will cover a large chunk of that (probably not Bt75,000 worth like at BNH, but still). But here's the catch: The queue is a bit long, and I'll have to wait until August or September. Well, okay, this is not an emergency, and the pain is very mild, so I'm going to sweat it out and save a bundle.

If you do consider going to Chulalongkorn Hospital, be aware that it is not bright and shiny like the five-star places. It's clean enough but definitely has a bit of a Third World feel. That should not be off-putting for those of us who have spent some time here, but newer arrivals in Thailand may be averse to this. There is also the language situation. It's best if you can speak some Thai or at least take a Thai speaker with you.

Going in the evening is much better, after 4:30PM. This is because during the daytime, they accept only a certain number of patients a day, something like a few thousand, and it's first come first served. You must arrive early in the morning; you will be turned away if you are too late and the quota has been filled. And even if you're not turned away, it's a bit of a zoo. Being a teaching hospital, the doctors at Chula will usually have a group of medical students in tow, and they will all stare at you as if you were a specimen in a zoo. On the plus side, the office visit is free. The doctors are civil servants who receive a monthly salary from the government, and if you are one of the lucky ones not turned away in the daytime, there is no charge for the basic consultation. However, the overall hassle is simply not worth it for all but the cheapest of Cheap Charlies.

Using the evening after-hours clinic is much better. In a bid to stem the tide of doctors moving to private hospitals, Chula allows doctors to see patients after their normal day and charge a small fee, which is only Bt300. The evening clinic starts at 4:30PM. You can make an appointment ahead of time, and you know you will get in. But once again, this is not Bumrungrad or BNH; you may have to wait quite a bit after your appointment time, but at least it's not as crowded as in the daytime. Take a book with you.

Back to my surgery. As I said, I will have to wait until August or September. Now, there IS evening surgery at Chula, which is sort of express. ItтАЩs like the evening clinic. Since this is outside doctors' regular hours, there are extra fees involved, but if I opted for this, I could have my operation "within a month" they said. However, my estimate would then rise to Bt120,000. By waiting a few months for the daytime surgery, I save at least Bt33,000. The extra Bt33,000 would not be covered by insurance, I'd have to pay that myself, so I'll wait. And itтАЩs not like the daytime clinic where thereтАЩs a chance of being turned away that day; IтАЩll have a definite date set once I get into the queue. (I will be placed in the queue after I see the doctor one more time this month.) But even if I were to opt for the evening surgery, Bt120,000 is still quite a bit less than Bt280,000. And remember: ItтАЩs THE SAME DOCTOR as at BNH.

The doctors who work in both the private hospitals and at Chula do not seem to mind if youтАЩd rather see them at Chula. In fact, IтАЩve learned itтАЩs common for local residents to do this if they are not adequately insured. In 2006, I was being treated by a throat doctor at BNH for polyps that had appeared on my vocal cords. She, too, is based at Chula. Fortunately, medication and a slight change in diet cleared that up, but for a while it looked like I might need a biopsy. I asked about seeing her at Chula if it came to that, and she said sure, no problem.

So I urge anyone facing an operation or any other serious medical procedure to check out Chulalongkorn Hospital. Although a public hospital, it enjoys a special status, so they try to keep standards up. Many of the doctors in the five-star facilities, such as my doctor, are actually based there. If you are interested in saving some money on health care while still receiving good quality and even seeing the same doctor you may see anyway at your private hospital, especially if surgery is going to be involved, then I can recommend Chulalongkorn.

Stickman's thoughts: Really excellent information. Medical care is not as cheap as it once was and not all of us are earning a shopping amount so tips like this can make a very big difference.

allieb
February 20th, 2008, 11:20
.A little over a year ago, I developed a shoulder condition that's age-related (I'm fast approaching 50). bundle.

This guy should be careful what he posts he could be considered underage for a practicing farang in Thailand

Hmmm
February 20th, 2008, 16:08
Sounds like an accurate description of the difference between a private and public hospital that could apply anywhere in the world. With Chula being a university hospital, some of the best docs will work out of both .. the uni hospital for the status, and privately to pay the bills. And a uni hospital is more likely to have decent equipment than a non-teaching public hospital.

But at the uni hospital you're more likely to get the apprentice doing most of the op instead of the guru. After all, new docs have to get some practice somewhere.

I wonder how bad one's health insurance has to be for it to only cover 25% of the cost of the op at a private hospital like BNH ?

February 20th, 2008, 19:19
How much a month you pay for your medical insurance? and

How much would you pay per month if you had to increase the cover so the insurance would cover you in expensivie situations like this?

February 23rd, 2008, 01:02
I have recently spent 9 days in Pattaya Memorial Hospital with severe intestinalproblem Inderwent many tests including an MRI (taken to Bankok Pattaya Hospital for this) - sort of Lend lease? - and an internal endoscope examination under anasthetic. They also discovered that I had diabetes. Although I was plied with many drugs which bumped up the cost, the total cost was about ┬г2000. Bangkok Pattaya Hospital charges at least 3-4 times that. (I stayed one night for ┬г750 and no drugs)

February 23rd, 2008, 23:28
I have recently spent 9 days in Pattaya Memorial Hospital .... the total cost was about ┬г2000. Bangkok Pattaya Hospital charges at least 3-4 times that. (I stayed one night for ┬г750 and no drugs)

BPH is expensive, certainly in comparison with Pattaya Memorial, but nearly 50,000 baht for one night with "no drugs" (and presumably no treatment?) ?? As BPH rooms vary from 2,200 (shared room) to 4,500 baht up for a single this is clearly far from the full picure.

The facilities at Pattaya Memorial are poor, at best - they are unable to treat many trauma / emergency cases which are then normally sent to Samitivej at Si Racha or Sattahip. They appear to rely mainly on tourists unwilling / unable to pay for BPH or PI, as many Thais prefer even Banglamung Hospital in Naklua.

February 24th, 2008, 04:24
How much a month you pay for your medical insurance? and

How much would you pay per month if you had to increase the cover so the insurance would cover you in expensivie situations like this?


Whitedesire,

I was recommened a certain group of insurance with Bupa, it was Emerald level and I was told it would be fine , it wasn't.


They covered me up only to 500,000 after I was diagnosed Throat Cancer. [ it was cin the small print, which I hadn't read, you don't expect it at then 43 years old]

It was considerably more, and I had to pay the difference to Bumrungrad.

Also, I am awaiting reply now from my agent, as I have asked to go to Plastinum cover although I know, at whatever level, I will not be covered for my Throat areas, I am unsure as to other cancers?

February 24th, 2008, 07:20
Kevin, with BUPA, when you upgrade to a higher level (e.g. Emerald to Platinum) the higher levels of coverage do not apply to conditions pre-existing before the upgrade. So, if you had treatment for anything on the Emerald level plan, you will continue to be covered by the Emerald plan's limits even if you have upgraded to Platinum. The upgraded coverage will only apply to new conditions. I deal directly with BUPA (i.e. not with an agent) and they are quite explicit and upfront about it.

They are also quite liberal in applying "pre-existing condition" to try to avoid paying. e.g. I had surgery to correct a deviated septum at BNH in Bangkok, and BUPA tried to not pay because I had consulted a doctor at a different hospital (Bumrungrad) two years prior to my coverage by BUPA for a sinus infection. They equated a deviated septum with a sinus infection. I managed to get the Bumrungrad doctor to "amend" my medical chart in such a way as BUPA later reimbursed me for my deviated septum surgery.

TrongpaiExpat
February 24th, 2008, 09:15
They are also quite liberal in applying "pre-existing condition" to try to avoid paying. e.g. I had surgery to correct a deviated septum at BNH in Bangkok, and BUPA tried to not pay because I had consulted a doctor at a different hospital (Bumrungrad) two years prior to my coverage by BUPA for a sinus infection. They equated a deviated septum with a sinus infection............

How did BUBA know you went to Bumrungrad 2 years prior?

What about going to a doctor in another country, they have ways of knowing that too?

Hmmm
February 24th, 2008, 13:39
I have recently spent 9 days in Pattaya Memorial Hospital .... the total cost was about ┬г2000. Bangkok Pattaya Hospital charges at least 3-4 times that. (I stayed one night for ┬г750 and no drugs)

BPH is expensive, certainly in comparison with Pattaya Memorial, but nearly 50,000 baht for one night with "no drugs" (and presumably no treatment?) ?? As BPH rooms vary from 2,200 (shared room) to 4,500 baht up for a single this is clearly far from the full picure.


'Dr' Frost said he was transported (by hospital ambulance ?) to BPH for an MRI, so presumably that accounts for the bulk of the fee.

I called the BPH ambulance to take my bf to BPH with severe food poisoning some years ago. After treatment in emergency he spent a night and most of the following day in a very nice 2200 THB room on a drip. Sent home with a bag of meds. Around 11,000 THB all up. No complaints in the circumstances.

February 25th, 2008, 07:27
They are also quite liberal in applying "pre-existing condition" to try to avoid paying. e.g. I had surgery to correct a deviated septum at BNH in Bangkok, and BUPA tried to not pay because I had consulted a doctor at a different hospital (Bumrungrad) two years prior to my coverage by BUPA for a sinus infection. They equated a deviated septum with a sinus infection............

How did BUBA know you went to Bumrungrad 2 years prior?

What about going to a doctor in another country, they have ways of knowing that too?
They apparently can and will do a search of Thai hospital records looking for a name match. I suspect they got my entire medical file and matched more than just the name. Even though my name is rather unique, they would need to do so if they had a policy holder named John Smith, or such. There probably was a clause in the original insurance application where I gave them permission to do so such research.

I also suspect that in the case of a foreigner they don't do a country-wide search, but have a short list of hospitals which foreigners were probable to have visited. In any case, at no time did I tip them off about any prior Bumrungrad visit. I also doubt that at this time (emphasizing "at this time") they do international searches, but with technology on the march, wouldn't rule it out in the future. After all, BUPA is afiliated with BlueCross/BlueShield and think of the massive insurance records they would have.