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Can I get medical insurance for menopause treatments while applying for the DTV visa in Thailand?
Thai DTV VisaMedical Insurance in ThailandMenopause TreatmentPre-Existing ConditionsHealth Treatment Options in ThailandSamitivej Thon Buri Hospital
Oct 18, 2024
2 years ago
Lee-Ann *******
ORIGINAL POSTERI am currently still in Perth Australia, I am looking at applying for the new DTV visa soft power option for medical treatments for my menopause, I am in touch with Samitivej Thon Buri hospital at the moment, what I am wanting to know is, can I apply for medical insurance and if so can anyone recommend an insurance company that will cover this sort of treatment, preferably one where I can just submit a claim without having to pay for it in advance, thanks
TLDR : Answer Summary
A user inquires about applying for medical insurance while seeking treatment for menopause under the new DTV visa in Thailand. Responses indicate that many insurance companies typically exclude coverage for pre-existing conditions like menopause, making it challenging to find a policy that covers such treatments without hefty premiums. Some community members suggest options for hormone replacement therapy and discuss the limitations of local insurance policies.
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David ********
If you make regular trips back to Australia from Thailand and are receiving treatment from your doctor which is mostly paid by Medicare, you can stack up with subsidised medicines for up to a year even if you are overseas. It is doable. I have recently taken up to 6 months supply in my regular trips to Thailand. but now only 3 months at a time. If you are over 50 y/o things are better for you in Thailand. You can get a retirement visa as I have by mail from Busselton now my home town from the Thai Embassy in Canberra which requires proof that you have equal to Bt800.000 in an Australian bank, that way you do not have to have a bank account in Thailand, you just access all you need via an ATM in Thailand, once granted a retirement visa in Australia you can do what you like with the Bt800,000 in the Aus bank when you get to Thailand that visa can be extended free of charge when you return, each time for a further 12 months making the visa good for 2 years. Your retirement visa is extended by 12 months when you return each time but you cannot get an extension on top of the extension. If you leave Thailand in the second year in Thailand that is it So if you make several trips to Australia and finally get back to Thailand a few days before the 1st year visa expires you will get an extension for 12 months free. I now only have trips to Thailand for up to 3 months, so the new regulation of Visa exemption for 2 months and a 30-day extension is very convenient for me. There is much comfort in being able to access Medicare in Aus as you get older. I'm 83 y/o medical insurance is impossible for me to get.
Lee-Ann *******
ORIGINAL POSTER@David *******
Medicare don't cover much anymore, most of our medication isn't even on the pbs, us women are really taken advantage of here in Australia, it's disgusting how they treat us, can't even find a Dr that's properly informed or trained in menopause, it's that bad here, hence why I'm wanting to get it done in Thailand, then there's the medication shortages here constantlyReply to
Lee-Ann *******
Reply
David ********
Even if you don't declare the pre-existing complaint when you apply for cover, you will not get paid when it is treated. It is likely with that treatment if required there will be medical evidence that the treatment was known to be pre-existing. You did not declare it. You will likely fail in your request for payment of treatment of that complaint. If on your proposal to get the coverage you did not disclose the previous complaint it is not likely to be covered when and if you do make a claim..
Lee-Ann *******
ORIGINAL POSTER@David *******
yes I realise thatReply to
Lee-Ann *******
Reply
John **********
@Lee-Ann ******
the fact you are actively looking for treatment makes it highly unlikely that any thai insurance company would cover it and even if they did the first 3 months is generally not coveredBaz *********
Generally many insurance companies don't cover pre existing conditions or if you declare these conditions there is an additional premium and limited coverage..
Steve *******
If you can get insurance with no restrictions it is going to be expensive.
James *********
Really???
Lee-Ann *******
ORIGINAL POSTER@James ********
don't get me wrong, but your obviously a younger male and have no ideaJames *********
@Lee-Ann ******
I'm an old goat, and know more than I'd like to about health insurance coverage šLee-Ann *******
ORIGINAL POSTER@James ********
that's ok then, lol, I thought you were mocking menopauseReply to
Lee-Ann *******
Reply
Kelli *******
Hi
@Lee-Ann ******
are you looking for Hormone Replacement Therapy (HRT)? You can get the body identical HRT at quite a reasonable price in Thailand. Iāve spent long periods of time in Thailand and have been able to get it there easily. Happy for you to DM me if you need any further help and advice.Anita ********
@Kelli ******
bio identical hormones is a question that I had about coming to Thailand. I would love to get your info on that.Kelli *******
@Anita *******
please feel free send me a private message, happy to help where I can.Lee-Ann *******
ORIGINAL POSTER@Anita *******
join the menopause Australia Facebook group you'll be amazed at what you learnAnita ********
@Lee-Ann ******
why would I wanna join that group to learn about Thailand?Lee-Ann *******
ORIGINAL POSTER@Anita *******
it's not, it's Australia, but it's super informative and supportiveAnita ********
@Lee-Ann ******
I donāt need to learn about Australia. I already know about bioidentical hormones. Thanks anyway.Reply to
Anita ********
Reply
Lee-Ann *******
ORIGINAL POSTER@Kelli ******
yes, but I want to be assessed properly and have it monitored regularly as I know it's trial and error until the correct doese and types needed etc , I know all about body identical MHTKelli *******
@Lee-Ann ******
where in Thailand will you be going, the doctors arenāt as advanced here and a lot of them arenāt as up to date on all things HRT/MRT? They are some great groups I can suggest if youād like to find out more. I completely agree that itās important to get assessed & monitored regularly as weāre all very unique. Lifestyle also plays a big role too.Lee-Ann *******
ORIGINAL POSTER@Kelli ******
going to live in Phuket, but I'll be going to Samitivej Thonburi hospital women's clinic in Bangkok, it's a great hospital I've actually had surgery there twice nowReply to
Lee-Ann *******
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Zoe ******
Interestingā¦you are trying to apply for DTV visa to seek treatments for a condition you are currently having and want to also get insurance to pay for itā¦I highly doubt that would work. Insurance companies have policies to protect themselves from exactly those situations. š¤·š»āāļø
Lee-Ann *******
ORIGINAL POSTER@Zoe *****
just thought I'd find out, menopause isn't technically a condition, its a fact of life, doesn't hurt to ask first, I'm still going ahead even without the insurance, you don't know unless you askReply to
Lee-Ann *******
Reply
Lance ******
If you've been diagnosed and are being treated for a condition (in this case menopause), it IS a pre-existing condition whether you agree or not.
You may be able to find an insurer to cover you for it but be aware they'll whack on a big charge onto your premium for coverage.
You may be able to find an insurer to cover you for it but be aware they'll whack on a big charge onto your premium for coverage.
Lee-Ann *******
ORIGINAL POSTER@Lance *****
lol, it'll probably still be cheaper than the non existent medical care I'm paying for here but not gettingReply to
Lee-Ann *******
Reply
Pete *******
Treatments commonly associated with aging are explicitly excluded in most policies. I think you will find it very difficult to get coverage.
Lee-Ann *******
ORIGINAL POSTER@Pete ******
thanksReply to
Lee-Ann *******
Reply
Clint *********
They consider that a pre-existing condition here in Thailand. They know you will get it at some point, so 99% of insurance companies here won't cover it.
Lee-Ann *******
ORIGINAL POSTER@Clint ********
thanksReply to
Lee-Ann *******
Reply
Frank **********
Very doubtful you will find an insurance company to cover pre-existing conditions.
Lee-Ann *******
ORIGINAL POSTER@Frank *********
it's menopause mate, as it's something every woman goes through, it's unavoidable, don't think it's classed as a pre existing condition, think that's one of the reasons premiums are a bit higher when you get olderSylvia ********
@Lee-Ann ******
I agree but majority of women don't need medical care to cope with hormones & hot flashes. Insurance won't cover anything you are having problems with normally. Maybe speak with a broker to get advise but one friend on holiday just had hospital treatment like this and now her insurance refused to settle
Frank **********
@Lee-Ann ******
yes, I didn't think of that.Reply to
Frank **********
Reply
Kool *******
You might run into pre-existing condition problems with getting insurance that will cover it.
Lee-Ann *******
ORIGINAL POSTER@Kool ******
it's menopause mate, as it's something every woman goes through, it's unavoidable, don't think it's classed as a pre existing condition, think that's one of the reasons premiums are a bit higher when you get olderKemal ******
I was looking into this and found one company in Australia, called "Medical Travel Shield". They appear to say that they cover certain medical conditions. I don't know this company so please don't quote me on that or take my word as true, but you could speak to them and find out what they say. And sometimes they guide you to the company that may help you. I wish you a good health and good luck.
Lee-Ann *******
ORIGINAL POSTER@Kemal *****
I heard of them, I'll check them out, they are expensive as when I had my gastric sleeve and skin removal done in Bangkok a lot of the other people used them from the company I had my surgery through, they only give quotes around a month before it's neededKemal ******
@Lee-Ann ******
Those policies are generally more expensive and with high excess. Check what the excess will be when you contact them.Lee-Ann *******
ORIGINAL POSTER@Kemal *****
thanks, I willReply to
Lee-Ann *******
Reply
Kemal ******
I worked in insurance for over 25 years. In principle, insurance provides safety for unexpected events and emergencies. Anything that is known to happen will not be considered under most insurance policies, unless it is declared and accepted. In your situation, you are going to Thailand with the intention of having treatment for a known condition. I would say it will be quite difficult for most insurance companies to provide cover for it. There are policies that may cover events like that but they are generally corporate policies to cover employees of big corporations. Or you may find a policy that may cover your treatment with a very high premium. Insurance is based on utmost good faith principle so anything you know that is relevant, has to be declared. Then the insurance company will decide whether or not they should accept the risk, but in your case it is no longer a risk, it is an event that is known to happen. Although you might think it is not a pre-existing condition, it is something you are travelling to Thailand with the intention of receiving treatment. Having said that all, there are private medical insurance policies that may provide cover for elective surgeries/treatment. It is just a matter of finding the one that does that.
Kool *******
@Lee-Ann ******
that is true, but if you get a DTV visa based on that from a hospital, insurance might see it differently, as they do everything not to pay.Reply to
Kool *******
Reply
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