Outpatient is basically all treatment at hospitals, clinics etc. when you are not admitted to the hospital. If you are admitted to the hospital then this is considered inpatient treatment; this can inlcude staying over night but does not necesarely have to be the case, e.g. daypatient surgeries as with those surgeries you will be admitted, but no need to stay overnight.
There are multiple reasons for this, one of the main reasons will be:
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A deductible (American) or Excess (British) is an instrument to lower you premium and be responsnle for a part of the costs of treatment yourself. For example if you take a 30,000 THB inpatient per year per person deductible, this means you will have to pay the first 30,000 THB out of your own pocket everything above that will be covered by the insurance company up to the policy benefits
There are many insurance companies available to choose from in Thailand. A good thing to know about insurance abroad is that it is very dynamic and not as stable as someone might think. There are insurance companies that are very young and not experienced, also insurance companies that are mature and very experienced, and everything in between.
The market dynamics are very interesting for an insurance intermediatry (like us) to watch and learn about, and this could be for great value for our costumers as well. There many insurance companies in the market that are new and trying to penetrate the market with high beneftis and low premiums, simply to grow the book of business and gain marketshare. However this has a downside, as we have learned in our 12 year of experience in the industry that this can also result an bankrupcies of insurers as they take on too much risk (unhealthy people for low premiums, with flexible underwriting) and then later on have to pay large claims and often financial underwriters are then pulling out which means the insurance company will be insolvent. This is not what you as consumer, especially if you got medical conditions covered with this insurance company, since you now have to look for another insurer and most likely they will exclude the medical condition(s).
Our consultants will provide you with personal advice about any insurance in Thailand and the region, please leave your contact details or contact us right away at +66 6 3252 3446
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Protect your business, and opt for one the P&C (Property and Casualty) insurance policies.
Never go traveling without travel insurance, inpatient cover should always be taken out.
Protect you and your family for unforeseen medical costs in Thailand.