What happens if you test positive for COVID-19 while staying in a Test and Go hotel in Thailand?

Dec 13, 2021
3 years ago
Zoë *****
ORIGINAL POSTER
What happens if you test positive while in test and go hotel? Do you get whisked off to hospital/jail/other? Do you get any choice of where you quarantine for the period?
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TLDR : Answer Summary
If you test positive while in a Test and Go hotel in Thailand, you will typically be transferred to a hospital connected with your hotel for treatment. Most patients stay in the hospital for 10 to 14 days until they test negative twice. In certain cases, if symptoms are mild, you might be placed in a quarantine hotel instead, but this could incur costs not covered by some insurance policies. It is crucial to check with your insurance company regarding coverage for hospital stays and asymptomatic quarantine costs. Additionally, the insurance may not cover expenses if you are quarantined in a hotel instead of a hospital.
Dick **********
Your hotel has an agreement with a hospital. if positive then you will be shipped to that hospital
Dick **********
You have to read the small print on your policy. I had a policy with Tune and found that they would not pay the quarantine costs if you had no symptoms of covid.
Jodie ******
Hi does anyone know of the average cost of quarantine? I’ve got insurance with ‘coverforyou’ which is a part of AXA. Hopefully everything is covered, but just trying to gage cost if not
Zoë *****
ORIGINAL POSTER
I've read in this forum it can be 150,000baht+ I can't comment on your insurance, but I'm planning to get AXA, seems to be the most comprehensive
Jodie ******
@Zoë ****
unfortunately I couldn’t get AXA as I have a pre-existing medical condition, just hoping this insurance offers the same.
Zoë *****
ORIGINAL POSTER
@Jodie *****
I think you just have to look for asymptomatic cover - the main concern being that if you don't have any symptoms they would leave you in a hospital at your own cost
John-Paul ******
Hospital stay at your cost. Check with your insurance company if they will cover said stay. Most will not if you found to be asymptomatic and/or made to quarantine on your hotel rather than hospital. The latter will not be covered.
Chris ****
If you’re asking because you are worried about blowing your vacation do what I did. I isolated before I flew. If it’s a return to your home here in Thailand you would fly anyway right?
Zoë *****
ORIGINAL POSTER
@W *********
Yes! We are already planning to do that. If we come in contact with anyone in the 2 weeks prior to flying I don't think we would be allowed to fly anyway, because we would be under home quarantine. Luckily we are in a regional area with no cases, but the state rules are very strict
Carlos *********
Oooh, you don't want to find out! Even if you test negative but someone on your plane tests positive get ready for a big surprise! Insurance will try and weasel out of paying anything cause that's what ins. Does.
Förnamn ***********
If no or mild symptoms you could end up in a quarantine hotel. This is not covered by some of the insurances. So make sure you have one that covers covid without symptoms and no hospital stay.
Förnamn ***********
I used tune and saw it did not cover it but went with it anyways. I saw someone using axa who manage to get them to pay for it. So check with them. One important thing with axa was to save the results for the test you do at the airport, they needed that as proof even when the person did a positive test 10 days after arriving.
Anna *******
@Förnamn **********
any suggestions for finding a policy that covers this? I have insurance that covers everything else but want to top up in case we get hit with enforced quarantine without testing positive as close contacts from the plane
Benjamin ******
Your Test-and-go hotel should be connected to a hospital. If you are tested positive, you will be admitted to a hospital until you test negative twice. Generally, most people are in the hospital between 10 to 14 days.
Debbie ********
@Benjamin *****
one someone tests positive you don't do anymore tests for 90 days
James ********
@Stanley *********
did your insurance pay?

What was the cost?

Which insurer did you have?

Thank you.
Stanley **********
@James *******
I had AXA and they handled everything. Bill was paid before I left the hospital. I don't think I ever saw a bill. Hope that helps. I would recommend AXA to anyone. I was worried about having to pay the bill and fight with them. But it wasn't the case at all.
James ********
@Stanley *********
AXA Sawadee Thailand is one of a few which will pay in full direct to the hospital for COVID positive WITHOUT symptoms.

Others that do are LUMA Tune, ACS and Cigna's NEW policy.

ALL offered by Thai based Agents.
Zoë *****
ORIGINAL POSTER
@James *******
so do you go to hospital even without symptoms? Will any insurance cover a hotel quarantine?
Stanley **********
@Benjamin *****
I tested positive a few months ago and had to spend the next 14 days in a Thai hospital. They never tested me again. I just had to spend my time there.
Stanley **********
@Chelsea ******
This was the summer of 2021. I was at a quarantine hotel and tested positive. So they transferred me to Bang Lamung Hospital. It was OK. The staff didn't speak any English. Once my insurance was approved my meals improved, but I still didn't have any choice and it was only Thai. Some meals I eat, other times my wife brought me something to eat. But I didn't have any problems with AXA insurance. Nothing out of pocket.
Zoë *****
ORIGINAL POSTER
Benjamin Hays awesome, Thanks. I assume the insurance will pay for this? I'm also terrified that families are getting seperated. Have you heard of this? (It has happened in Aus)
Nikki ********
@Zoë ****
if only you test positive then they will remain in hotel quarantine and you will go to hospital. If a child tests positive, an adult can go with them but I've heard of problems that the adult then has to do quarantine after the child is released, even if the adult is negative. Also, I'm not sure if insurance will pay for the adult if the adult goes with them as they are technically negative. The main issue is there is no consistency. It seems to be different for different places/people so whatever answer you may get will be different if it actually happens.
James ********
@Nikki *******
insurance does not pay for parental stay with child in hospital quarantine

And make sure you have bought insurance which will pay for COVID positive test WITHOUT symptoms.
Nikki ********
@James *******
I thought that was the case. I've not been through it but heard that was so. Such a let down!
James ********
@Nikki *******
its reality with travel during COVID.
Nikki ********
@James *******
I understand but the reality is no parent would let their child go on their own. It would be emotionally traumatic for a young child to go to hospital quarantine independently so parents are forced to pay thousands of baht because the insurance not see that it is a necessity.
Benjamin ******
@Nikki *******
Sadly, you won't have a say. It is what it is
James ********
@Nikki *******
current rate is approx 150,000 +/- per person for 14 nights hospital quarantine.
Garrett ***********
Quarantine in hospital
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