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Important Reasons For Ex-Pats In Thailand To Have The Correct Health Insurance Policy
There are many reasons why people visit Thailand. More regularly than not, an incredible holiday can entice someone to want to spend much longer time in the Land of Smiles. This may be by working remotely in convivial surroundings or purchasing a condo that is visited whenever time permits. Then, some choose to retire there.
There are many good reasons to make such a decision. The value for money that is provided along with a warmer climate makes living in Thailand more enjoyable without the worries about having to spend lots of cash warming a home in colder locations.
However, certain precautions are advised to be put in place, such as taking out the correct health insurance policy, which might be found by typing healthcare pre existing conditions into a search engine.
Why Is It Important To Have a Health Insurance Policy In Thailand?
Likely, many ex-pats who decide to live out their golden years in Thailand may come from countries where they do not have to worry about healthcare as the government provides it. That is not the case in Thailand, where even the cheap government hospitals require fees to be paid for treatment.
The nation is famed for the highest quality treatment and private hospitals, but therapy there can be extremely expensive. It is essential to have health insurance in place, especially bearing in mind that as we get older, the body is more likely to require more treatment.
The hot climate is beautiful to relax in and can cause health concerns and ignite issues. When starting a business, tips should be forgotten and replaced by proper healthcare provision.
It is only natural for those who have retired sometimes to forget their age and continue life as it has always been, especially with more spare time on their hands. This can sometimes lead to overdoing things, heading out on motorcycles, and following the locals.
This can easily end in accidents occurring if not careful, requiring healthcare, which can make a big financial hole in savings and state pension payments if not adequately covered.
Those with existing conditions are most vulnerable. They should choose the correct policy to cover them in case of a reoccurrence or issues that need treatment. Other things to sort out include being granted the correct long-stay visa.
As well as having access to medical facilities, the peace of mind of being covered is immense. It allows those in Thailand to enjoy every day without waking up, feeling unwell or in pain, and being too scared to go out and receive treatment.
Benefits of Expat Health Insurance Policy
Getting a health insurance policy is necessary if you have made up your mind and have some pre-existing conditions. Living in an unknown place is challenging. But having a good health insurance policy provides peace of mind in all the chaos.
If you have the right policy for yourself, you can enjoy your life without worrying about sudden expenses. Otherwise, you will always have to live in fear that something might happen at any moment, as you have a pre-existing condition. Also, in case of an accident, you will find it difficult to arrange things suddenly. It is for those moments that you should be prepared.
Do You Really Need Expat Health Insurance?
You might think that you are young and there is no chance of anything happening to you if you do not have some pre-existing conditions. Moreover, people often say that Thailand’s healthcare is not very expensive. More so if you are coming from the USA.
Well, it is true that compared to some of the Western countries, healthcare is relatively lower. However, there are a lot of factors that you have to consider when living in Thailand. There are various health and safety risks which are different from the country to used to reside in.
Health & Safety Hazards in Thailand
Here are some of the most common safety and health issues in Thailand that can impact expats immensely.
Traffic Accidents
Thailand is a place where traffic accidents are very common, and the World Health Organization has also recognized that. Back in 2022, the ThaiRSC reported 924,799 injuries and 14,737 traffic fatalities.
People often get carried away and get on a motorbike to look around the tropical landscapes. However, a small turn can become dangerous and cause injuries here.
Tropical Diseases
Thailand is also home to various tropical diseases, and that includes malaria, dengue, and Japanese encephalitis. If you somehow get down with dengue or malaria fever, then an expat health insurance policy can turn out to be your savior.
However, apart from insurance, it is also important that you stay vaccinated. It is readily available in medical centers in Thailand and Bangkok at an affordable rate.
Air Pollution
In some of the biggest cities in Thailand, heavy air pollution is very common. Between the months of January and April, pollution rises as the farmers burn the crop residue during this season to prepare for the next harvest. This is a very common problem all over Asia.
Chiang Mai and Bangkok have been on the list of the top 10 most polluted cities in the past during these months. When you are exposed to a high level of air pollution, respiratory problems are something you experience commonly, and it often triggers heart attacks. It can also cause cancer in the coming years, and a health insurance policy can help you in these times.
Wrapping up!
The right health insurance policy might be obtained for full families and include regular checkups so that prevention remains a better option than the cure. Several insurance companies can provide exactly what is required to save finances in the longer term.
Ex-pats in Thailand, particularly those with pre-existing conditions, should seek out the right healthcare insurance policy so that they can receive affordable, top-quality treatment when required.
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