Went to the Govt run Police public hospital in Bkk about 5 years ago, before covid. It was a very busy hosp, and few staff spoke much english. Although they were good doctors, and it was cheap I waited all day to see a doctor. Last year I went to Siriraj public hosp which is the biggest public hosp, and it was a similar experience. Have been going to Bumrungrad private hosp for more than 20 years, where most staff speak english fairly well. Its certainly much less crowded, probably because its much more expensive, if unable to claim it on insurance. 🏥👍
Public hospitals in Thailand work on a number system. You need to be there 4/30 5am in the morning. To get your number. I have never had a numbetcover 10. So if you want to See a doctor quick. You need to get out of bed early.
I live in Pattaya and signed up for Pattaya Expats club group policy with Pacific Cross. I was hit by a hit and Run Truck from behind while riding my bicycle. I am really happy with Pacific Care after they paid for most (90%+) of my 1 week stay in the hospital.
Pacific Cross do offer decent affordable comprehensive cover. However, there’s a big issue should you be over 60 or have any pre- conditions or on long term medication expect them to view everything as a pre- condition. Including Statins. Their underwriters WILL insert exclusions for absolutely anything you declare regarding your clinical history. Check the offer letter forensically for any exclusions and waiting periods. Then seek advice as to what they mean and how they impact your cover. their underwriting to be non negotiable. I was able to evidentially challenge a very significant exclusion. Which was ignored. Everything seemed to take an age, and I really couldn’t recommend them. Luma, different story. Efficient, expedient and great cover, more expensive but worthwhile. Give yourself time ( Months of it) when you go looking for the cover that suits your circumstances.
There under no obligation to renew your policy as it’s only yearly meaning if you get sick in the 11 month and become expensive your out. Better to get a 20 year contract. And check this company out yourself.
Hey Johnny... I just had a health scare with my heart stopping multiple times.. Supposed to be back in Thailand in a few weeks but my usual insurance turned me down.. I reached out to Pacific Cross a few days ago - put in an application but no response yet... Expecting they won't cover pre-existing stuff also though! Not sure what it will cost me if anything happens again while I'm these... I don't trust any insurance company at this point unfortunately - all money making and no care of course....
Great job jonny , fantastic information and information, also from the doctor .The Thai nurses are fantastic I been lucky to work with them . Hope all is well with the family
renewal is a huge question. If you have claimed in the current year you will likely face a significant premium increase the following year and even be refused depending on the actual diagnosis
When you are relatively healthy and not too old, sure you can get some good insurance deals. None of them will guarantee renewing your cover as you get older and sicker. When you are inevitably at that stage of your life where your health starts to fail and you need for healthcare mounts, you will NOT be able to get ANY health insurance. If you go to the private hospitals for health care, they will drain ALL of your life savings so fast your head will spin. If you go to government hospitals, it will be dirt cheap, but you may find the conditions intolerable.
Awesome, Jonny. I found this to be very relevant for thinking about spending more time in Thailand. Not everyone's cup of tea, but I thought this was a very very good.
Thanks for the information. I'm in Thailand at the moment but planning to move next year permanently. I'll be 59 then. I've had a look into insurance the more information is better than less.
Thanks for the information. My wife and i delayed our return to hua hin due to the onset of covid and subsequent health conditions. The plan "Was" not to obtain health insurance, but now it appears inevitable. She is 55 and post BCP and i will be 70 next year with high BP. Not sure if we xan afford it now, but worth the investigation. Thanks johnny, i will buy you a Chang
Maybe self insure is the way to go if you have some savings put away and are reasonably healthy? It is really hard to trust insurance salesmen. It's business, man, and profit is king. Thanks, Jonny, for going above and beyond for your subscribers.
hi jonny, iv been following your videos for a while , they are very informative,am planning to relocate to thailand next year i really will appreciate if you could do a video on income taxes that foreigner doing online business pays in thailand,thanks in anticipation.
i lived in thailand for years up until 2017. had pacfic cross. no issues. though i came back to the US then lived in south america. Cigna Global is hard to beat. for me CIGNA is global except for in the US. not selling anything, just a discussion. i prefer a western (or US) insurance company. Cigna is US but the global is HQ in Scotland/Ireland. i do not know IF i pay more. it always factors: policy, age, deductibles, ect. though i have used it in thailand, PI, peru and argentinia. they have the largest list of direct billing hospitals also. i used it in Bangkok and Bangkok Hospital and i when i gave her the GoP...you could see they were impressed. anyways..to each their own. for someone, myself in my 50s..you can not responsibly live ExPat without a good, reputible insurance policy. i was talking to expats in peru. IF you get a retirement visa you pay like $80 a month for the government insurance. some were OK with that. to each their own. you want a 70yoa Peruvian physician making medical decisions based on saving a buck for a foreigner...or see your top-end policy and in a private hospital? then again we all have different resouses. bottom line: however, wherever----have a policy in effect.
Johnny your friend pacific cross did not mention no motor bike helmet no insurance. Not many furang have helmet in hua hin. I guess there head is more strong than the road 😅
Hey Jonny thanks for the video, is it compulsory for Australians to have travel insurance when visiting Thailand? Ive been told it is though thai embassy website doesnt say anything about it. Have a great 2024.
Dr Jonny! you would be a great doctor mate.A pretty female patient comes to see Dr Jonny, Dr Jonny, I have a sore neck, ok love, take your knickers off and I'll have look 🤣🤣🤣🤣
Hi Jonny, did you manage to find out about declaring your medical history and any pre-existing medical conditions. This is a real concern incase something you forget about something or there is something from your childhood you don't even know about, I recent had a mini medical to get my Thai driving license, and my blood pressure was slightly on the high side, but I have never suffered with high blood pressure, I don't take any medication for high blood pressure, but it will go on your medical records I believe, so confused.
I have a question my BCBS Medicare Advantage plan has told me it can be used overseas. Is that true? I don’t believe them because one of the Doctors we have used for over thirty years will not take them.
No preventative care. You need to get a physical before they sign you. (Reimbursable). Year 2, 3, 4, x.... discounts. Never had to use mine. Hope i never have to. Pay the Premium in full for best deal... Monthly available...
Please anybody is health insurance required with a non-O- immigrant retirement Visa? I know it was not in 2022 what I got stuck stranded and lockdowned in Thailand when covid😢 hit😮 please also anybody If trips going to be for 6 months can I just buy 6 months worth of insurance or do I need to purchase a full year? What's the best insurance company I've heard people tell me the insurance companies don't even pay a lot and most of the time as I only know of Pacific cross and AXA what's the best one please?
Liked the presentation but some of the things he said just didn't add up. I mean for example you asked how many policy holders they had in Thailand and what percentage were expats. He said 2m and about 50 percent expats. So 1m expat policy holders in a country that has less than 300k expats from all of Europe, Australia and the US COMBINED. There only are about 3 m non Thai Nationals in Thailand and 80 percent of those are from Mynmar, Laos, Cambodia, Vietnam and China. I highly doubt all these Burmese and Laotian manual workers have 30k Pacific Cross health insurance Anyway I guess he didn't know so just said something off the top of his head but makes no sense if you know anything about Thailand.
When I arrived here three years ago I took out medical insurance Unfortunately, it is not worth the paper it is written on Non payout on claims is over 50% across all sectors, and the exculsions are mind-boggling and for pre-existing medical conditions if you have ever visited a hospital in the last ten years they the underwriters will find a,way of associating the condition you had with the current claim and rejecting this Let ne give you an example. A friend here went to a hospital 7 years ago for a routine check on his heart, no. problem just lipids levels high gave one'dose of medication Roll on 7 years had to be admitted to hospitial for a heart condition , claim rejected on pre-existing medical conditions due to.lipid medication Hospitial bill 955,000 baht
@@jonnyasiacan you pay monthly with them jonny??? Get you get everything incurring cancer care etc etc??sorry last question not being rude how much do you pay for a year ?
That was a great video on Insurance. Normally it’s hard to watch these kind of videos, It was very easy to watch this interview and listen and get informed. That Studio set up is awesome!
I agree, but not having a go at you. Just some positive feedback mate. We love the original Jonny content ❤ I watch all your vids from start to finish, This is the first vid you’ve posted I got bored with and turned off after 5 minutes
Click The Link for a quote & more information from Pacific Cross insurance
onlineapplication.pacificcrosshealth.com/?broker_code=DE001-014AB
Went to the Govt run Police public hospital in Bkk about 5 years ago, before covid. It was a very busy hosp, and few staff spoke much english. Although they were good doctors, and it was cheap I waited all day to see a doctor. Last year I went to Siriraj public hosp which is the biggest public hosp, and it was a similar experience. Have been going to Bumrungrad private hosp for more than 20 years, where most staff speak english fairly well. Its certainly much less crowded, probably because its much more expensive, if unable to claim it on insurance.
🏥👍
Public hospitals in Thailand work on a number system. You need to be there 4/30 5am in the morning. To get your number. I have never had a numbetcover 10. So if you want to See a doctor quick. You need to get out of bed early.
I live in Pattaya and signed up for Pattaya Expats club group policy with Pacific Cross. I was hit by a hit and Run Truck from behind while riding my bicycle. I am really happy with Pacific Care after they paid for most (90%+) of my 1 week stay in the hospital.
WHY DID THEY ONLY PAY 90% WAS THAT AGREED WHEN YOU TOOK OUT THE POLICY
I tried looking this up, and it looks like they no longer have a club group policy, shame because they cover pre-existing in a lot of cases.
Pacific Cross do offer decent affordable comprehensive cover. However, there’s a big issue should you be over 60 or have any pre- conditions or on long term medication expect them to view everything as a pre- condition. Including Statins. Their underwriters WILL insert exclusions for absolutely anything you declare regarding your clinical history. Check the offer letter forensically for any exclusions and waiting periods. Then seek advice as to what they mean and how they impact your cover. their underwriting to be non negotiable. I was able to evidentially challenge a very significant exclusion. Which was ignored. Everything seemed to take an age, and I really couldn’t recommend them. Luma, different story. Efficient, expedient and great cover, more expensive but worthwhile. Give yourself time ( Months of it) when you go looking for the cover that suits your circumstances.
There under no obligation to renew your policy as it’s only yearly meaning if you get sick in the 11 month and become expensive your out. Better to get a 20 year contract. And check this company out yourself.
Jonny, you just keep getting better and better, more professional by the day. Excellent informative video ✅️
Hey Johnny... I just had a health scare with my heart stopping multiple times.. Supposed to be back in Thailand in a few weeks but my usual insurance turned me down.. I reached out to Pacific Cross a few days ago - put in an application but no response yet... Expecting they won't cover pre-existing stuff also though! Not sure what it will cost me if anything happens again while I'm these... I don't trust any insurance company at this point unfortunately - all money making and no care of course....
Great job jonny , fantastic information and information, also from the doctor .The Thai nurses are fantastic I been lucky to work with them . Hope all is well with the family
Thanks for the information , didn't even think about insurance.
Great Production Value Dr. Jonny ! LIGHTING, SOUND, MULTIPLE CAMERAS... 💪
Great video and advice from Alex. Thanks for the great content as always Jonny!
renewal is a huge question. If you have claimed in the current year you will likely face a significant premium increase the following year and even be refused depending on the actual diagnosis
When you are relatively healthy and not too old, sure you can get some good insurance deals. None of them will guarantee renewing your cover as you get older and sicker. When you are inevitably at that stage of your life where your health starts to fail and you need for healthcare mounts, you will NOT be able to get ANY health insurance. If you go to the private hospitals for health care, they will drain ALL of your life savings so fast your head will spin. If you go to government hospitals, it will be dirt cheap, but you may find the conditions intolerable.
Awesome, Jonny. I found this to be very relevant for thinking about spending more time in Thailand. Not everyone's cup of tea, but I thought this was a very very good.
Good interview Jonny. I like the white coat, clipboard & stethoscope👍
The only problem is when you get old. The price goes through the roof.
if you are in need of care (status) every insurance stops automatically...
Dude you look better and better, congratulations for bettering your appearance.
Great information for your viewers.. Keep the content coming...Hoping to See you soon!!!
DR Johnny.... Classic...LOVE.
Thanks Jonny!!! Helpful as always
Thanks for the information.
I'm in Thailand at the moment but planning to move next year permanently.
I'll be 59 then.
I've had a look into insurance the more information is better than less.
Once you hit the big six zero, they will really bump up the price ☹
Thanks for the information. My wife and i delayed our return to hua hin due to the onset of covid and subsequent health conditions. The plan "Was" not to obtain health insurance, but now it appears inevitable. She is 55 and post BCP and i will be 70 next year with high BP. Not sure if we xan afford it now, but worth the investigation. Thanks johnny, i will buy you a Chang
Good information. Thank you, Alex and Jonny.
Jonny looking great enjoying life good all round my friend🤝
Great information video on health insurance with pacific cross.
Thanks Jonny, very informative mate
Maybe self insure is the way to go if you have some savings put away and are reasonably healthy? It is really hard to trust insurance salesmen. It's business, man, and profit is king. Thanks, Jonny, for going above and beyond for your subscribers.
Jonny, This is something I am interested in. I am married to a Thai and we will be coming soon to move into our new house.
hi jonny, iv been following your videos for a while , they are very informative,am planning to relocate to thailand next year i really will appreciate if you could do a video on income taxes that foreigner doing online business pays in thailand,thanks in anticipation.
Dr Johnny 😂😂. Look cool in that white coat. Keep well and take care. Cheers from Durban, South Africa 🇿🇦🏉🏆👍🏄♂️
Good video and information
Micke 🇸🇪
Awesome content Jonny!
You are 72 years old, overweight, with high blood pressure and T2 diabetes. Try asking this man to sell you health insurance.
Very good video intresting content 👍😎
The Dr will see you today 😊.. I have cover with PC too..
Ohh good to hear 👍😊
So if Pacific Cross is the second largest, who is the largest, 3rd, 4th…looking to shop and compare.
Dr. Jonny (PhD in Mongering) 😀
i lived in thailand for years up until 2017. had pacfic cross. no issues.
though i came back to the US then lived in south america. Cigna Global is hard to beat.
for me CIGNA is global except for in the US. not selling anything, just a discussion.
i prefer a western (or US) insurance company. Cigna is US but the global is HQ in Scotland/Ireland.
i do not know IF i pay more. it always factors: policy, age, deductibles, ect.
though i have used it in thailand, PI, peru and argentinia. they have the largest list of direct billing hospitals also.
i used it in Bangkok and Bangkok Hospital and i when i gave her the GoP...you could see they were impressed.
anyways..to each their own. for someone, myself in my 50s..you can not responsibly live ExPat without a good, reputible insurance policy.
i was talking to expats in peru. IF you get a retirement visa you pay like $80 a month for the government insurance. some were OK with that. to each their own.
you want a 70yoa Peruvian physician making medical decisions based on saving a buck for a foreigner...or see your top-end policy and in a private hospital?
then again we all have different resouses.
bottom line: however, wherever----have a policy in effect.
Great Video..
great interview 👍
Johnny your friend pacific cross did not mention no motor bike helmet no insurance. Not many furang have helmet in hua hin. I guess there head is more strong than the road 😅
For the old people 70ish and over……it’s getting too pricey.
Hello dr.jonny.!
lol 👨⚕️👩⚕️
Good info.
Hey Jonny thanks for the video, is it compulsory for Australians to have travel insurance when visiting Thailand? Ive been told it is though thai embassy website doesnt say anything about it. Have a great 2024.
Hello....Dr.Jonny 🤗😅😊🙏🎉🎊
Not too concerned about cost, more concerned about whether the private hospitals take the insurance AND that they actually pay out.
Wow. New camera?
Nice Clip...top. der us soon
Dr Jonny! you would be a great doctor mate.A pretty female patient comes to see Dr Jonny, Dr Jonny, I have a sore neck, ok love, take your knickers off and I'll have look 🤣🤣🤣🤣
i like your nurse
Cool 😎
Now that is a proper looking proctologist.
Dr Johnny :) next House ? :)) cheers bro
ITS GETTING A HEALTH INSURANCE COMPANY YOU CAN TRUST IN THAILAND
Hello! good
What does it means when the coverage is Worldwide exc US for Pacific Cross insurance plan.
Why would one not have any insurance anyway ? , albeit travel or health ..
From the Pacific Cross webpage I didn't see any participating hospitals in Hua Hin?
Hua Hin is not the official name of the city. It's Prachuabkhirikhan. San Paolo Hua Hin Hospital is in-network.
Hi Jonny, did you manage to find out about declaring your medical history and any pre-existing medical conditions. This is a real concern incase something you forget about something or there is something from your childhood you don't even know about, I recent had a mini medical to get my Thai driving license, and my blood pressure was slightly on the high side, but I have never suffered with high blood pressure, I don't take any medication for high blood pressure, but it will go on your medical records I believe, so confused.
What was cost of insurance for male age 65 and up?…heard it’s like 60k baht minimum per year…
I have a question my BCBS Medicare Advantage plan has told me it can be used overseas. Is that true? I don’t believe them because one of the Doctors we have used for over thirty years will not take them.
Extremely unlikely.
Read your plan documents - probably. You have to pay and they will reimburse you. It's primarily for emergency overseas care, like a hospital stay.
No preventative care. You need to get a physical before they sign you. (Reimbursable).
Year 2, 3, 4, x.... discounts. Never had to use mine. Hope i never have to. Pay the Premium in full for best deal... Monthly available...
The insurance agent mentions prices, but fails to mention if they are monthly or yearly premiums.
Yea, but I am almost 70 big factors
Please anybody is health insurance required with a non-O- immigrant retirement Visa?
I know it was not in 2022 what I got stuck stranded and lockdowned in Thailand when covid😢 hit😮 please also anybody If trips going to be for 6 months can I just buy 6 months worth of insurance or do I need to purchase a full year?
What's the best insurance company I've heard people tell me the insurance companies don't even pay a lot and most of the time as I only know of Pacific cross and AXA what's the best one please?
Is there an age limit where its not possible to get health insurance, im 63 would like to retire age 66 -67 ?
The rep said 75
How do I get in touch with you, Alex?
You can just hit the link in the description and Alex will be in contact with you 👍😊
Liked the presentation but some of the things he said just didn't add up.
I mean for example you asked how many policy holders they had in Thailand and what percentage were expats. He said 2m and about 50 percent expats.
So 1m expat policy holders in a country that has less than 300k expats from all of Europe, Australia and the US COMBINED.
There only are about 3 m non Thai Nationals in Thailand and 80 percent of those are from Mynmar, Laos, Cambodia, Vietnam and China. I highly doubt all these Burmese and Laotian manual workers have 30k Pacific Cross health insurance
Anyway I guess he didn't know so just said something off the top of his head but makes no sense if you know anything about Thailand.
Is "excess" same as "deductible"?
No, excess is the amount that is above set limit for each treatment, procedure, or visit, varied by plan. Most plans have no deductible.
When I arrived here three years ago I took out medical insurance
Unfortunately, it is not worth the paper it is written on
Non payout on claims is over 50% across all sectors, and the exculsions are mind-boggling and for pre-existing medical conditions if you have ever visited a hospital in the last ten years they the underwriters will find a,way of associating the condition you had with the current claim and rejecting this
Let ne give you an example. A friend here went to a hospital 7 years ago for a routine check on his heart, no. problem just lipids levels high gave one'dose of medication
Roll on 7 years had to be admitted to hospitial for a heart condition , claim rejected on pre-existing medical conditions due to.lipid medication
Hospitial bill 955,000 baht
You sicko Dr Johnny😂
Jonny why are you losing weight? How you are ok health wise.
Not drinking beer so much & yes my health is fine. Luckily I have Pacific Cross insurance in case I got sick 😷but thank you for your concern 🙏
@@jonnyasiacan you pay monthly with them jonny??? Get you get everything incurring cancer care etc etc??sorry last question not being rude how much do you pay for a year ?
@@jonnyasiaI thought you were insured with APRIL. Stay healthy and blessed.
Although in the video Jonny appears to have developed a bit of a pot-belly, but perhaps that's just caused by camera angle and lighting.
@@MarkRobert-BKKhe doesn't workout so his physique is typical for a mid 40s male 😊
him speack very fast i can not understand, i from italy
Sorry about that Anton maybe try lowering the playback speed to 0:75 or 0:50 in the settings
@@jonnyasiaTry CC and read what he is say.
After 5 minutes, I lost the will to live!
johnny you are acting too mainstream. People dont want to see another journo from channel 7 or 9. Be yourself mate.
lol it’s hard to be crazy when you are interviewing someone 😜
That was a great video on Insurance. Normally it’s hard to watch these kind of videos, It was very easy to watch this interview and listen and get informed. That Studio set up is awesome!
I agree, but not having a go at you. Just some positive feedback mate. We love the original Jonny content ❤ I watch all your vids from start to finish, This is the first vid you’ve posted I got bored with and turned off after 5 minutes
@@jonnyasiayou did a good job on the interview as its a serious topic for alot of people. Love ur channel. And hope to see u guys one day!
Johnny WTF😅😅
The public hospitals in North East Thailand are dog shit. I would hate to have to go in one.
Get insurance and you will end up in hotel hospital.
What part of NE?