My partner and I bought insurance with Bangkok Insurance (via Bangkok Bank) yesterday. We received medical insurance cards with instructions to arrive at the hospital and present the card and ID if we ever needed to use it. Today, my partner twisted his ankle whilst running and we ended up at the hospital. He's got a nasty ligament tear and a tibia fracture. Because our insurance policy is so new (purchased yesterday afternoon), we were not in the system yet and the hospital couldn't get through to the insurers due to Songkran.
We were advised to pay for all bills and claim back. Obviously, we did this so that he could receive treatment.
Does anyone know the process to claim back medical expenses with Bangkok Insurance, when ideally we should have been covered immediately? We have all receipts, medical reports etc.
Assuming we meet all criteria and evidence, will they just pay directly into his bank account the full amount?
Thanks!
TLDR : Answer Summary
A user details their experience as they attempt to claim medical expenses from Bangkok Insurance after their partner sustained injuries shortly after purchasing insurance. The hospital could not process the insurance due to a lack of system registration during the Songkran festival, leading them to pay out-of-pocket. Other users share insights on insurance claims, including potential waiting periods for new policies and advice on reading the fine print of insurance contracts.
