1

Health

in Thailand

Insurance

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• Meaning

• Type of Health Insurance in Thailand

• The responsibility of each type to HIV/AIDS patient

• Tendency to enlarge responsibility

Contents

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Meaning...

...to SHARE the RISKS due to

D eath, D isability, Illness...

$ $$ $ $ $

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More people…More money...

$x

x xx

x

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Type of Health Insurance in Thailand

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How we can get the money?

1. Sharing

2. Government’s Aid

3. Sharing + Aid

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(Sharing) Life Insurance Co.,

...as the intermediary that c oordinate the benefits from t

he common pool of money...

…patients can afford treatment by themselves...

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Social Security Foundation

..to establish for sharing the risk due to unemployment disability, gestation, offspring aid, and senility...

(2% employee + 2% employer + 2% government)

(Sharing + Aid)

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Health Insurance Card

…hospitals that co-op with Ministry of Public Health, provide this card for people...

…whole family is treated...

(500 B./Y. Family + 1,000 B./Y. Gov.)

(Sharing + Aid)

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Government Worker

…Gov. set up the Health Care Budget for Gov. worker in each year...

…extended to Worker Family...

(Gov. ‘s aid)

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How they can response for HIV/AIDS people?

“The responsibility of each type to HIV/AIDS patient”

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Life Insurance Co.,

• Having criteria to approve the qualified person

• Screening twice times; 1st by agent and 2nd by company

• Not provide for HIV person

• Providing for the one who just get HIV, after got policy already

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1,413

945

477

1733714

0

500

1000

1500

J J J J J J'92 '93 '95'94 '97'96

Number of Death People who got policy

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1,204 2,97516,997

37,555

103,142

149,268

0

50,000

100,000

150,000

200,000

1 2 3 4 5 6

Unit:1,000 Baht

'92 '97'96'95'94'93

Costs of Death Claims

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1st screening; following conditions recommended for testing HIV positive;

• 700,000 B.

• Occupation;

- Hairdresser

- Actor/Actress/Singer

- Guy designer/model

- Guidance

etc.

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• Healthy;

- Venereal disease history

- Refusal blood donation

2nd screening; approving again by company committee

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Tendency of Life Insurance Co.,

• May be insuring HIV-patient, when discover new efficiency drug for treatment

• Increasing insurance premium for people who got HIV later

• More strictness

• Changing the criteria; not include HIV treatment

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To be continued in final report…