TAT Travel Shield (Travel Insurance)

[Gus]

Please excuse me if this is posted elsewhere.
Tourism Authority ofThailand is now offering insurance to visitors to Thailand up to 70 years of age.
http://www.tourismthailand.org/ThailandTravelShield/

Although I am now late 60s this could help me for a couple of years, I am on Warfarin and also High Blood Pressure tablets so to take out Travel Insurance in the UK would be very expensive.
In November I hope to come to HH for 6 weeks, Plan 1 would cost 1750 THB and Plan 2 3150 THB with no medical exam required, you are also covered for the usual travel insurance problems like lost luggage, delayed flight etc
I will keep my eye out for posts about this, but looks like a good offer to me.

[Jose]

@Gus

I am in shock, from reading your field reports and exploits I thought you were much younger, do you artificial enhancements

[mat]

I did not see the general conditions of this plan yet, but usually a travel insurance does not cover for pre-existing conditions. So i doubt if it will cover for ongoing medication.

[Gus]

Jose, yes it was probably Last roll of the dice time, I slowed right down last trip.
I suppose sooner or later all board members become bored with the bar girls, I now tend to use the allocation of bar girl money to stay longer in Thailand.

[Gus]

Insurance Conditions
Mat I found these conditions, also when I went through the application form I couldn't see anything regarding pre-existing. I may see if there is any input on the Pattaya/Bangkok forums.
24-hours coverage during the trip
Person age between 1-70 years is insurable
No medical examination required
The choice of individual trip cover plan or annual cover plan is yours.
Cover up to 60 days any one trip both in individual trip cover plan and annual cover plan.

[mat]

Under the exclusions it says (note 2):

Exclusions for medical expenses due to accident or sickness
This insurance does not cover any loss or injury arising from/or in consequence of the following causes:
1. The Company will not be responsible for the medical expense of the following sickness.
1.1 Tumor or Cancer
1.2 Hemorrhoids
1.3 Hernias
1.4 Pterygium, Pinguecula, Cataract
1.5 Tonsillectomy or Adenoidectomy
1.6 Stones
1.7 Endometriosis
2. The treatment of chronic symptoms or any sickness, which is pre-existing medical status before the effective date
of this insurance policy including symptom or complication state that might be appeared later.
3. Action of the Insured while under the influence of alcohol, addictive drugs or narcotic drugs to the extent of being
unable to control one@s mind. The term Aunder the influence of alcoholB incase of having a blood test refers to a
blood/alcohol level of 150 mg percent and over.
4. Suicide or attempted suicide or self-inflicted
5. Miscarriage and abortion
6. Dental treatment, root canal treatment except necessary first aid treatment within 7 days following an accident.
7. Replacement of or new sets of dentures, dental crown, artificial denture.
8. AIDS or illness or injury in consequence of blood test as Virus HIV and others relate with AIDS
9. Any venereal disease, sexual transmitted disease.
10. Contagious diseases or epidemics declared by World Health Organization (WHO) or by government of Thailand
at period time of epidemics.
11. Treatment of detective bodily congenial
12. Treatment or psychopathic condition, insane or symptom of psychoneurosis
13. Treatment for recuperate (relax), health, beauty, skin care including gain and lost weight, Health examination, any
medical expense from accident or sickness not is covered under this Insurance policy
14. Any service charge other than the medical expense such as radio service, TV service, phone calling Newspaper,
special meal (not normal) and other similar expense.
15. All kinds of prosthesis, such as stick, eyeglasses, hearing aid, speech device, all kinds of pacemaker.
16. Medical treatment unrelated to the modern type medicine including alternative medicine, such as acupuncture,
natural therapy, massage, reflexology and chiropractic.
17. While the Insured is hunting for wild animals, racing of all kinds of car or boat, horse racing, all kinds of skiing
including jet skiing, skate racing, boxing, parachuting (except for the purpose of life saving), while boarding or
traveling on the balloon or glider, bungee jumping or diving with oxygen tank and breathing equipment under
water.
18. While the Insured is taking part in a brawl or taking part inciting a brawl.

I don't want to say that this is a bad insurance (actually it is quite good compared to most other inbound plans), but be aware that it might not cover as comprehensive as you might be used to with a travel insurance from your home country. The exclusion under point 2 can have nasty consequenses, i.e. you come here on medication for hypertension and you have a heart-attack. Big chance that it will not be covered and will be considered as the result of a pre existing condition.

[hhfarang]

^ So just what does it cover then?

[Big Boy]

This is what I've said on here several times. Don't read what a policy covers, because a lot is then excluded by the exclusions. We got caught once, thankfully in Thailand. I'd have been bankrupted somewhere like the States.

[Khundon1975]

^ So just what does it cover then?

hhfarang

Looking at that list, a runny nose and an excess of ear wax!

Crap, like most things TAT come up with.

Most travelers have some sort of "pre existing condition" and that is what the insurance company will use, to get out of paying you anything.

[migrant]

As an attorney friend says, "insurance policies have one page of what they cover and 99 of what they don't"