{"id":2352,"date":"2022-03-09T15:04:10","date_gmt":"2022-03-09T08:04:10","guid":{"rendered":"https:\/\/www.pacificprime.co.th\/blog\/?p=2352"},"modified":"2022-03-09T15:10:38","modified_gmt":"2022-03-09T08:10:38","slug":"new-claims-limitations-for-covid-19-insurance-in-thailand","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/","title":{"rendered":"New claims limitations for COVID-19 insurance in Thailand"},"content":{"rendered":"<p>Thailand\u2019s insurance regulator, the <a href=\"https:\/\/www.oic.or.th\/en\/home\" target=\"_blank\" rel=\"noopener noreferrer\">Office of the Insurance Commission (OIC)<\/a>, recently issued a new rule that puts restrictions on health insurance claims made by those infected with COVID-19. The new rule, which came into effect on February 15, 2022, is in line with the Ministry of Public Health\u2019s guidelines for the care of people infected with the novel coronavirus, said Assistant OIC Secretary-General Apakorn Panlerd. Since the guideline was revised on January 4, 2022, there have been changes to the conditions covering claims. This <a href=\"https:\/\/www.pacificprime.co.th\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pacific Prime Thailand<\/a> article looks at the latest changes to claims limitations regarding COVID-19 insurance in Thailand.<\/p>\n<div class='code-block code-block-5' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=general\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-414\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2024\/07\/Blog-Banner_Thailand_3.jpg\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n\n<h2>What are the new coverage guidelines?<\/h2>\n<p><a href=\"https:\/\/www.thaipbsworld.com\/mild-asymptomatic-covid-19-cases-not-entitled-to-claim-under-new-insurance-rules\/\" target=\"_blank\" rel=\"noopener noreferrer\">Thai PBS World reports<\/a> that patients who are asymptomatic or have mild symptoms and are being treated in home isolation or hospital without a doctor\u2019s certificate stating the need for treatment in said facilities won\u2019t receive coverage from the compensation or medical care scheme. Previously, the guidelines stated that all COVID-19 patients were considered inpatients and were therefore entitled to claim medical expenses and compensation for the loss of income during the treatment period.<\/p>\n<p>However, the new guideline requires patients to meet specific criteria in order to make a claim. The <a href=\"https:\/\/www.pattayamail.com\/thailandnews\/thailand-sets-new-conditions-for-covid-insurance-claims-388804\" target=\"_blank\" rel=\"noopener noreferrer\">conditions<\/a> that patients must meet to be able to make a claim include any of the following:<\/p>\n<ul>\n<li>The patient has a fever of over 39\u00b0C for longer than 24 hours<\/li>\n<li>The patient is an adult whose breathing rate exceeds 25 times per minute<\/li>\n<li>The oxygen content of a patient\u2019s blood is lower than 94%<\/li>\n<li>The patient suffers from a chronic disease with symptoms that are changing or require close monitoring<\/li>\n<li>Child patients who have difficulty breathing, lower appetite, and fatigue<\/li>\n<\/ul>\n<h2>Who do the guidelines apply to?<\/h2>\n<p>Issued by the OIC, the new guidelines establish that the exact entitlements depend on a person\u2019s health insurance in Thailand. Mr. Apakorn said that the changed conditions would not impact COVID-19 insurance policies that offer lump sum compensation when the policyholder tests positive for the virus. Instead, the new guidelines will cover insurance policies issued by life and non-life insurers regarding medical costs and compensation.<\/p>\n<p>With that said, certain policyholders who are found to be infected with the virus through RT-PCR testing at a hospital are still able to claim medical expenses and compensation from their insurance provider. The OIC, the Ministry of Public Health, the Private Hospital Association, the Thai General Insurance Association, and the Thai Life Assurance Association agreed on the guideline revisions. Insurance companies have already been notified about the new guidelines, said OIC Secretary-General Suthiphon Thaveechaiyagarn. In addition, the commission plans to issue additional guidelines for patients in community or home isolation at a later date.<\/p>\n<h2>Why are insurers hesitant to offer COVID-19 coverage to travelers?<\/h2>\n<p>According to a recent <a href=\"https:\/\/www.bangkokpost.com\/business\/2261703\/insurers-avoid-travellers-after-heavy-covid-losses\" target=\"_blank\" rel=\"noopener noreferrer\">Bangkok Post article<\/a>, insurance providers are cautious about offering COVID-19 coverage to travelers as the industry has been plagued by a \u201cliquidity crunch\u201d after numerous policies were issued and cases surged over the past year. Nevertheless, tourists continue to show interest in Thailand, as the Test &amp; Go scheme had close to 120,000 new registrations as of February 8, 2022.<\/p>\n<p>After discussions with the OIC regarding optional COVID-19 insurance for foreign tourists, Tourism Authority of Thailand (TAT) Deputy Governor for Marketing and Communications Siripakorn Cheawsamoot said only a few insurers were interested in being part of the program. Even though only a fraction of inbound tourists have tested positive for the virus, most insurers are facing losses from claims from local COVID-19 cases and are reluctant to offer policies to foreign tourists as well. They are especially concerned about reimbursement according to potential scenarios.<\/p>\n<h3>Hotel isolation<\/h3>\n<p>To deal with insufficient or costly hospital beds in Thailand\u2019s major provinces, the Ministry of Public Health has granted permission to hotel operators to establish isolation rooms to host asymptomatic guests on their properties. 10-day isolation at a hospitel starts from THB \u0e3f20,000 and includes three meals per day, as well as telemedicine from a partner hospital.<\/p>\n<p>As mentioned in our <a href=\"https:\/\/www.pacificprime.co.th\/blog\/list-of-hospitels-for-covid-19-patients\/\" target=\"_blank\" rel=\"noopener noreferrer\">List of \u201cHospitels\u201d for COVID-19 patients in Thailand<\/a>, prices can vary dramatically, with a 14-day program by Bumrungrad Hospital costing around THB \u0e3f150,000.<\/p>\n<p>Mr. Siripakorn offered the solution of increasing affordable hotel isolation options for infected tourists so they don\u2019t have to pay over THB \u0e3f100,000 for treatment like in the past.<\/p>\n<h2>The latest health insurance coverage requirements for travelers<\/h2>\n<p>With the <a href=\"https:\/\/www.tatnews.org\/2022\/02\/thailand-reopening-exemption-from-quarantine-test-go\/\" target=\"_blank\" rel=\"noopener noreferrer\">new Test &amp; Go Thailand Pass<\/a>, fully vaccinated foreign travelers and Thai citizens can enter Thailand if they have all their documents in order (see TAT\u2019s <a href=\"https:\/\/www.tatnews.org\/2022\/02\/thailand-reopening-exemption-from-quarantine-test-go\/\" target=\"_blank\" rel=\"noopener noreferrer\">Pre-Arrival Requirements<\/a> section for more details). One of these requirements is an insurance policy with at least USD $20,000 coverage, except for Thais and expats under Thailand\u2019s national healthcare coverage.<\/p>\n<p>As always, it\u2019s highly advisable to check the fine print of any insurance policy before buying it. When looking for COVID insurance for foreigners in Thailand, make sure the policy covers treatment costs and other medical costs associated with infection, such as inpatient hospitalization, hospital\/hotel isolation, and quarantine. Additionally, the insurance policy should cover the entire duration that travelers are planning to stay in the country, including an additional 10 days as a precautionary measure.<\/p>\n<h2>Choose the right insurance plan with Pacific Prime Thailand<\/h2>\n<p>With so many details to think about, narrowing down your insurance options can certainly be daunting. That\u2019s why many people prefer to work with a reputable insurance broker like Pacific Prime Thailand.<\/p>\n<p>With over two decades of experience in the industry, we have the knowledge and expertise to help you find the right plan for your needs and budget. Whether you\u2019re looking for <a href=\"https:\/\/www.pacificprime.co.th\/expat-health-insurance-in-thailand-pacific-prime-insurance-brokers\/\" target=\"_blank\" rel=\"noopener noreferrer\">expat health insurance<\/a>, <a href=\"https:\/\/www.pacificprime.co.th\/plans\/travel-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">travel insurance in Thailand<\/a>, or any other <a href=\"https:\/\/www.pacificprime.co.th\/plans\/\" target=\"_blank\" rel=\"noopener noreferrer\">health insurance plan<\/a>, look no further than Pacific Prime.<\/p>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/contact-us\/\">Contact us<\/a> for impartial advice or a free plan comparison today!<\/p>\n<div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-417\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/05\/PPTH_Gen_01.jpg\" alt=\"Get a Quote CTA Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Thailand\u2019s insurance regulator, the Office of the Insurance Commission (OIC), recently issued a new rule that puts restrictions on health insurance claims made by those infected with COVID-19. The new rule, which came into effect on February 15, 2022, is in line with the Ministry of Public Health\u2019s guidelines for the care of people infected &#8230;<\/p>\n","protected":false},"author":17,"featured_media":2353,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[10,2],"tags":[433,1953,434,68,4,72,73,1951],"class_list":["post-2352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-insurance","tag-ban_gen","tag-covid-health-insurance","tag-cta_gen","tag-expat-health-insurance","tag-international-health-insurance","tag-thailand-health-insurance","tag-thailand-medical-insurance","tag-travel-insurance-in-thailand"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New Claims Limitations for COVID-19 Insurance in Thailand<\/title>\n<meta name=\"description\" content=\"A new rule puts restrictions on claims made by those infected with COVID-19. Learn about the new claims limitations for COVID-19 insurance in Thailand.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Claims Limitations for COVID-19 Insurance in Thailand\" \/>\n<meta property=\"og:description\" content=\"A new rule puts restrictions on claims made by those infected with COVID-19. Learn about the new claims limitations for COVID-19 insurance in Thailand.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Thailand&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-09T08:04:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-09T08:10:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/03\/ppthcovidinsurancerevisions.jpg?fit=1140%2C495&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1140\" \/>\n\t<meta property=\"og:image:height\" content=\"495\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jantra Jacobs\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jantra Jacobs\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"New Claims Limitations for COVID-19 Insurance in Thailand","description":"A new rule puts restrictions on claims made by those infected with COVID-19. Learn about the new claims limitations for COVID-19 insurance in Thailand.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/","og_locale":"en_US","og_type":"article","og_title":"New Claims Limitations for COVID-19 Insurance in Thailand","og_description":"A new rule puts restrictions on claims made by those infected with COVID-19. Learn about the new claims limitations for COVID-19 insurance in Thailand.","og_url":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/","og_site_name":"Pacific Prime Thailand&#039;s Blog","article_published_time":"2022-03-09T08:04:10+00:00","article_modified_time":"2022-03-09T08:10:38+00:00","og_image":[{"width":1140,"height":495,"url":"https:\/\/i2.wp.com\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/03\/ppthcovidinsurancerevisions.jpg?fit=1140%2C495&ssl=1","type":"image\/jpeg"}],"author":"Jantra Jacobs","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jantra Jacobs","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#article","isPartOf":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/"},"author":{"name":"Jantra Jacobs","@id":"https:\/\/www.pacificprime.co.th\/blog\/#\/schema\/person\/6cad17f3a12c67066c27e4ca978a18be"},"headline":"New claims limitations for COVID-19 insurance in Thailand","datePublished":"2022-03-09T08:04:10+00:00","dateModified":"2022-03-09T08:10:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/"},"wordCount":971,"image":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/03\/ppthcovidinsurancerevisions.jpg","keywords":["Ban_gen","covid health insurance","CTA_gen","expat health insurance","international health insurance","thailand health insurance","thailand medical insurance","travel insurance in thailand"],"articleSection":["Expat Insurance","Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/","url":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/","name":"New Claims Limitations for COVID-19 Insurance in Thailand","isPartOf":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/03\/ppthcovidinsurancerevisions.jpg","datePublished":"2022-03-09T08:04:10+00:00","dateModified":"2022-03-09T08:10:38+00:00","author":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/#\/schema\/person\/6cad17f3a12c67066c27e4ca978a18be"},"description":"A new rule puts restrictions on claims made by those infected with COVID-19. Learn about the new claims limitations for COVID-19 insurance in Thailand.","breadcrumb":{"@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#primaryimage","url":"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/03\/ppthcovidinsurancerevisions.jpg","contentUrl":"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/03\/ppthcovidinsurancerevisions.jpg","width":1140,"height":495,"caption":"ppthcovidinsurancerevisions"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.co.th\/blog\/new-claims-limitations-for-covid-19-insurance-in-thailand\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.co.th\/blog\/"},{"@type":"ListItem","position":2,"name":"New claims limitations for COVID-19 insurance in Thailand"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.co.th\/blog\/#website","url":"https:\/\/www.pacificprime.co.th\/blog\/","name":"Pacific Prime Thailand&#039;s Blog","description":"Covering international health insurance in Thailand and beyond","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.co.th\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.pacificprime.co.th\/blog\/#\/schema\/person\/6cad17f3a12c67066c27e4ca978a18be","name":"Jantra Jacobs","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/3757d8b4af90483733478444be80f18624ed2f57ef7bc4cfba20fe4da55ecffa?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3757d8b4af90483733478444be80f18624ed2f57ef7bc4cfba20fe4da55ecffa?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3757d8b4af90483733478444be80f18624ed2f57ef7bc4cfba20fe4da55ecffa?s=96&d=mm&r=g","caption":"Jantra Jacobs"},"description":"Jantra Jacobs is a Senior Copywriter at Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more. Jantra curates and reports on the results of Pacific Prime\u2019s monthly newsletters, as well as manages Pacific Prime\u2019s Deputy Global CEO\u2019s LinkedIn posts. Complemented by her background in business writing, Jantra\u2019s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is. Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.","sameAs":["https:\/\/www.linkedin.com\/in\/jantrajacobs\/"],"url":"https:\/\/www.pacificprime.co.th\/blog\/author\/jantra\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/posts\/2352","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/comments?post=2352"}],"version-history":[{"count":2,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/posts\/2352\/revisions"}],"predecessor-version":[{"id":2357,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/posts\/2352\/revisions\/2357"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/media\/2353"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/media?parent=2352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/categories?post=2352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.co.th\/blog\/wp-json\/wp\/v2\/tags?post=2352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}