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What should I do if my PCR test is positive but I have no symptoms while in Thailand?

COVID-19 QuarantineThai Visa RegulationsTune InsuranceAsymptomatic CasesHotel IsolationPCR TestingPhuket Health RegulationsExpat Experiences
Jan 28, 2022
3 years ago
Ahmed ********
ORIGINAL POSTER
My second PCR test came back positive and I have no symptoms whatsoever. I told my hotel and they transferred me to another hotel for quarantine since my hotel doesn't provide quarantine. I have a tune insurance and as far as I know they don't cover hotel isolation but the reciption guys at both my old and new hotel are saying they do, so I'm really hoping it's the case. We're trying to call my insurance company but we never made it to their call center. Has anyone gone through this recently and would like to share his experience?

Moreover, I looked up the hotel prices in Agoda and turns out they're giving me more than double the actual price!

I'm thinking I might end up in a hospital quarantine and will be going to Phuket International Hospital. In this case I'm sure my insurance will cover it fully. Anyone has been there before for quarantine?
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TLDR : Answer Summary
The user recently tested positive for COVID-19 but is asymptomatic and is facing challenges regarding insurance coverage for hotel quarantine. He has been transferred to a quarantine hotel and is unsure if his insurance (Tune) will cover the costs. Several comments advise that typically, one must pay upfront and later claim from insurance, and that specific conditions regarding COVID-19 symptoms might affect coverage. Others mention similar experiences with insurance claims and quarantine procedures in Phuket, indicating that communication with the hospital might clarify coverage details.
ᘻᗅᖶᖶᗁᕦᙛ *******
I been all over thailand for 30 days , and stayed negative the whole time. Do you wear a mask ?
3 years ago
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John ********
If you followed the link from Thai visa to Agoda, the price is huge! Look closely at the Agoda price, in small print, they do say "book on our app". So I did, and the price is around 60% less...
3 years ago
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Mike *******
2 things. Start coughing now and tell them you have sore throat. You don't need to show symptoms, just tell them you have them

Next. As one person already mentioned. Deny all medical services. This is where they charge the most. Medicine, daily nurse visits. Tell them you do not wanted any of it.

Sadly this is part of the process of coming to Thailand for many now. I went through it and got a 100k bill. 90k was the medical.
3 years ago
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Terary **********
@Mike ******
 My insurance cost about 3,000 for 2 months. This would suggest that its profitable for companies if there are fewer than 33 to 1 people they have to pay-out. I wonder what the actual ration of claims have to be paid. I think the insurance is a scam. I would hate to pay 100,000 for medical service but I would understand and willing pay.
3 years ago
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Terary **********
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Henry *****
I contacted tune almost a month ago through email asking questions…. Guess what they didnt answer me, I’m sure they don’t want to cover anything. Hopefully you can call and get through with someone. Good luck!
3 years ago
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Paul ********
Keep us updated!!

Stay Happy n Safe
3 years ago
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Mark *******
My insurance says it covers quarantine - Admiral in UK...so presumably this scenario is insured
3 years ago
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Mark ********
Just got back that day 5 pcr is a worry wont be going back until its only 1 on arrival less stress
3 years ago
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Joel *******
Refuse any treatments, scans or medicine you don't think you need, as they might just be doing it so they can bill you for it later
3 years ago
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Geoff ******
did you have covid recently? if you did you can apply for a certificate of recovery which can get you out of it.

if not, then i understsnd if you have no symptoms you can isolate in a hotel that caters for that?

im in phuket now and i get the feeling they are getting more and more relaxed about it by the day .

i came with a positive test and a recovery cert. from nhs..i had covid end of december ..and i was allowed to enter sandbox..the hotel staff told me worse case was id have to isolate in hotel
3 years ago
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Ahmed ********
ORIGINAL POSTER
@Geoff *****
 Unfortunately not. I tested negative on arrival so can't be the case
3 years ago
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Geoff ******
@Ahmed *******
 ok..worth asking
3 years ago
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Geoff ******
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Brendan ********
I would take another PCR to be sure. Mistakes, and errors happen, especially in Thailand.
3 years ago
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Ellen ******
does anyone know if you can request (or demand) another test be taken?
3 years ago
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Ellen ******
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Kevin ***********
I think one of the symptoms of Covid is a raging headache (hint hint).
3 years ago
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Rampi ********
Hospitel is under a specific hospital. Contact the hospital and clarify insurance issues. Very likely the the hospital already clarified with the insurance company. Less stressful that way.
3 years ago
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Ahmed ********
ORIGINAL POSTER
@Rampi *******
 Yes that's exactly what the reception guys told me
3 years ago
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Ahmed ********
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Shariq ******
Hope you recover soon. Please keep all clarifications sorted before the discharge date as insurance & hospital may come up with some weird charges and explanations, which you might have to end up paying.
3 years ago
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Mark ********
@Shariq *****
 Recover ! .... there's nothing wrong with him 🤣
3 years ago
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Mark ********
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Wyn **********
My Luma Tune policy agent says covered for covid with or without symptoms.
3 years ago
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Glen-do **********
Wyn Williams Hi, can you send me the details of your agent please? Thx
3 years ago
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Wyn **********
@Glen-do *********
 Arawan Namak.
3 years ago
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Wyn **********
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Ahmed ********
ORIGINAL POSTER
That's what's in my policy. Seems like they won't cover it but I'll try
3 years ago
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Ahmed ********
ORIGINAL POSTER
"expenses of Quarantined with no symptoms or treatment is not covered under the policy unless the insured is tested positive

to COVID-19 and that government regulation requires hospitalization for monitoring"
3 years ago
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Wyn **********
@Ahmed *******
 if not positive doesnt matter what you have.
3 years ago
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Wyn **********
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Peter ******
Insurance is always for specific conditions, not other way around.

If no mention of (or explicitly excludes) asymptomatic then not covered.
3 years ago
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KK **********
Make sure your insurance covers a systematic cases of covid or you will not get paid
3 years ago
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Lanny *******
I have Tune insurance also many ??? keep us posted.
3 years ago
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Gordon *******
If you haven’t got symptoms you won’t be taken to hospital you will have to stay in quarantine in the hospotel as they’ve transferred you to , good luck with the insurance claim , also the price is different for quarantine than normal hotel prices
3 years ago
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Stuart **********
@Gordon ******
 it's very much dependant upon the insurer if they will pay out for asymptomatic cases as they often view it as a quarantine situation and not a medical situation. It's a risk everyone takes 👍
3 years ago
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Gordon *******
@Stu***
 yep deffo , and most don’t 😂
3 years ago
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Gordon *******
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Steven **********
You have to pay first and claim back from insurance no insurance will pay first it the way it work
3 years ago
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Peter *******
@Steven *********
 you are wrong
3 years ago
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Steven **********
@Peter ******
 never wrong see in your own eyes 😉
3 years ago
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Peter *******
@Steven *********
 you made a statement which is false therefore you are wrong 🤷🤷
3 years ago
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Steven **********
@Peter ******
 see for ur self u find out ur own way 😊😊😊😊
3 years ago
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Peter *******
@Steven *********
 already know. Had injuries, went to hospital, insurance pay 👍👍👍👍👍🤷
3 years ago
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Steven **********
@Peter ******
 ur wrong I always right 🙂 🙂
3 years ago
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Peter *******
@Steven *********
 you need to get a decent insurance company then instead of being a Cheap Charlie 😊😊
3 years ago
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Steven **********
@Peter ******
 show u know nothing 🙂 🙂
3 years ago
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Peter *******
@Steven *********
 I know I’m in Thailand and insured and if a problem the insurance company will pay my bills 🤷🤷🤣🤣😊😊
3 years ago
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Steven **********
@Peter ******
 big problem same goes to everyone see u no nothing
3 years ago
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Steven **********
@Peter ******
 yawn 🥱
3 years ago
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Steven **********
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Steven **********
@Lawrence *********
 show u know nothing haha looser
3 years ago
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Mette ************
@Steven *********
 why are u guys fighting like this here? Calling a person a looser because of some different experiences/thinking...!? Excuse me,, but that is so childish! 🥺
3 years ago
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Steven **********
@Mette ***********
 I not fighting I only telling them about the insurance they think they know more they can find out them self 🙂
3 years ago
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Mette ************
@Steven *********
 🤗
3 years ago
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Mette ************
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Lawrence **********
@Steven *********
 . You are wrong.
3 years ago
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Steven **********
@Lawrence *********
 no never wrong
3 years ago
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Lawrence **********
@Steven *********
. You are 100% wrong. I just went through it. Insurance paid
3 years ago
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Steven **********
@Lawrence *********
 not wrong at all most will pay first most won’t till u pay first and claim back lots people had problem with insurance 😉 if u not believe maybe look in post u see hundreds having trouble with insurance
3 years ago
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Lawrence **********
@Steven *********
 .. you are absolutely wrong. Insurance pays up front. Nothing left my pocket.
3 years ago
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Steven **********
@Lawrence *********
3 years ago
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Steven **********
@Lawrence *********
 ur wrong 😊😊😊
3 years ago
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Steven **********
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Ahmed ********
ORIGINAL POSTER
They do if you are admitted to a hospital
3 years ago
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Becky **********
@Steven *********
 if you are admitted. They claim directly from the insurance company. Most insurance companies anyway. I’ve lived in Thailand for a long time and never paid in advance
3 years ago
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Steven **********
@Becky *********
 people who travel Hoilday will pay first then claim after from their insurance it happened all the time it same when u have car accidents both work same way
3 years ago
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Nick **********
@Steven *********
 If they have the right insurance, then people traveling on holiday don't have to pay first and then claim after from the insurance if they have to stay in a hospital. Hospital will bill directly with the insurance.

If you have had other experiences, I believe you. But that means you had a different insurance.
3 years ago
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Steven **********
@Nick *********
 lots people have problem with insurance If you look at the photo I post under the comment u see
3 years ago
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Nick **********
@Steven *********
 I'm not saying there are never problems (depending on wrong insurance or other problems), but it is definitely possible to have direct billing if you have the right insurance.

In my view :

First of all, choose the right insurance.

Second : make sure you know the right steps and the correct communication channels before you need it, write it down on your insurance paper. Be prepared. So you don't lose time and avoid miscommunication problems at the moment you are too sick to deal with anything.

Third : get your insurance through a good local agent. When there is a problem, the help of your agent will maken a huge difference clearing up any mess.

Learned from experience.
3 years ago
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Steven **********
@Nick *********
 I know how insurance work out been there most insurance won’t cover the pay they always say u have to pay first and claim back after which most insurance do it same when u have a car accident both work the same way some insurance company are different people still get problem with travel insurance some won’t cover some do
3 years ago
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Nick **********
@Steven *********
 you changed your story. First you say that "you have to pay first", then you admit that this is not always the case.

That's the whole point : it depends on the insurance and possible misunderstandings or mistakes in some cases.
3 years ago
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Steven **********
@Nick *********
 lots people having big problem with insurance
3 years ago
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Nick **********
@Steven *********
 that's why you have to buy the right insurance from the right agent
3 years ago
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Dimitri ********
@Steven *********
 It depends on the insurance company. Most Thai companies with Covid insurance will pay the hospital directly.
3 years ago
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Dimitri ********
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