News Forum - Trip to Thailand turned sour for Love Island star after testing positive for Covid

[Marc26]

18 minutes ago, Guest1 said:

And that will be the challenging question:

Why the heck should a covid health insurance pay for it?

Pay for what?

[Guest1]

46 minutes ago, Marc26 said:

Pay for what?

The Hotel for people who are tested positive but aren't sick, but have to stay in quarantine, because the country they holiday in is requesting it.

like it is written in another topic here:

"The Bangkok Post reports that hoteliers have reported challenges in persuading guests who test positive without symptoms to go to hospital. As most insurance schemes will not cover hospital treatment for asymptomatic patients, guests"

Edited January 5, 2022 by Guest1

[Marc26]

52 minutes ago, Guest1 said:

The Hotel for people who are tested positive but aren't sick, but have to stay in quarantine, because the country they holiday in is requesting it.

like it is written in another topic here:

"The Bangkok Post reports that hoteliers have reported challenges in persuading guests who test positive without symptoms to go to hospital. As most insurance schemes will not cover hospital treatment for asymptomatic patients, guests"

According to AXA and Luma, they do cover it

The important part is that the attending doctor has to "prescribe" it

So anyone going should have done their research and know to demand the doctor prescription and not just take the direction of the hotel

 

 

f I’m tested positive for COVID-19 but I don’t have any symptom. Will AXA pay for the medical expense?

Yes, AXA will cover for the medical expense incurred based on medical necessity if you’re tested positive for COVID-19 regardless of the showing of symptoms.

Q: What does Medical Necessity mean?

A: It means medical treatment which meets the following conditions:

(1) in accordance with the diagnosis and treatment for such illness or injury of the patient;

(2) in accordance with medical indication of current medical standard;

(3) not primarily for the convenience of the patient or his/her family or treatment provider solely; and

(4) in accordance with the suitable standard of patient care based on the necessity of injury or sickness of patient

In the determination of Medical Necessity, AXA also follows the guideline published by the Ministry of Public Health.

The display of symptoms is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if there is no symptoms. Similarly, a COVID19 test result is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if the first COVID19 test result is later determined as a false positive.

 

 

 Is medical expense for COVID-19 treatment in “Field Hospital” and “Hospitel” covered?

Yes. Medical expenses incurred in facilities designated as “Field Hospital” and “Hospitel” by the Ministry of Public Health for treating COVID-19 patient is covered.

 

 

[Guest1]

1 hour ago, Marc26 said:

According to AXA and Luma, they do cover it

The important part is that the attending doctor has to "prescribe" it

So anyone going should have done their research and know to demand the doctor prescription and not just take the direction of the hotel

f I’m tested positive for COVID-19 but I don’t have any symptom. Will AXA pay for the medical expense?

Yes, AXA will cover for the medical expense incurred based on medical necessity if you’re tested positive for COVID-19 regardless of the showing of symptoms.

Q: What does Medical Necessity mean?

A: It means medical treatment which meets the following conditions:

(1) in accordance with the diagnosis and treatment for such illness or injury of the patient;

(2) in accordance with medical indication of current medical standard;

(3) not primarily for the convenience of the patient or his/her family or treatment provider solely; and

(4) in accordance with the suitable standard of patient care based on the necessity of injury or sickness of patient

In the determination of Medical Necessity, AXA also follows the guideline published by the Ministry of Public Health.

The display of symptoms is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if there is no symptoms. Similarly, a COVID19 test result is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if the first COVID19 test result is later determined as a false positive.

 Is medical expense for COVID-19 treatment in “Field Hospital” and “Hospitel” covered?

Yes. Medical expenses incurred in facilities designated as “Field Hospital” and “Hospitel” by the Ministry of Public Health for treating COVID-19 patient is covered.

There comes the question to mind, what insurance the people have. And the fact, that tourists often do the minimum, to inform themselves before a holiday, what would be needed to cover all obstacles.

 

[Marc26]

20 minutes ago, Guest1 said:

There comes the question to mind, what insurance the people have. And the fact, that tourists often do the minimum, to inform themselves before a holiday, what would be needed to cover all obstacles.

For sure, even though the insurance like AXA/Luma state they would cover such costs, I would have the mindset I have to fight for coverage......

I would travel on those insurance packages with my back up and ready for a fight

 

But it does only take 10mnins of research and printing and saving all that info to have it handy to 'fight your case"

And so many don't do that.................