If you don't have insurance! How much do you need when sick each time?
Entering the second half of the year 2022, besides checking which zodiac sign is favorable, which jobs are prosperous, and which financial opportunities await, it's also crucial to assess whether the medical expenses will rise further. This includes hospital room fees which seem to increase almost every year. Health matters need to be looked at comprehensively and planned for in advance. If illness strikes and you don't have a sum of money to cover medical expenses, it could be even worse than bad luck you read in your horoscope. So, what are the most frequently found diseases that we need to check the medical expenses to prepare for in advance? Let's find out together, along with updates on standard single room fees, provided by Muang Thai Life Assurance.
Cancer
Certainly, the most frequently found disease among Thai people is cancer. According to data from the National Cancer Institute, it's found that an average of 221 Thai people die from cancer each day, totaling around 80,665 deaths per year. Additionally, there are about 336 new cancer patients identified daily, totaling approximately 122,757 new cases per year. Not only is cancer the most prevalent disease among Thai people, but the cost of cancer treatment is also exceedingly high. This is because it requires continuous treatment based on symptoms and utilizes cutting-edge medical tools and technology, making it difficult to estimate the exact expenses. Let's take a look at the approximate medical expenses for cancer and consider setting aside a sum of money accordingly.
- Breast cancer: approximately 69,300 Baht
- Colon cancer: approximately 103,000 Baht
- Lung cancer: approximately 141,100 Baht
- Cervical cancer: approximately 144,400 Baht
- Esophageal cancer: approximately 150,800 Baht
Prostate cancer: approximately 184,400 Baht
*Targeted therapy: approximately 1,752,660 Baht
Remark: Prices are subject to change.
Sources:
🔖 Division of Radiation Oncology, Department of Radiology, King Chulalongkorn Memorial Hospital
Heart Disease
Heart disease is indispensable and ranks as the top-3 cause of death. According to the Ministry of Public Health, it is found that approximately 58,681 Thai people pass away from heart disease and stroke each year, averaging about 7 deaths per hour. The primary reasons for the high prevalence of heart disease among Thai people often stem from lifestyle habits such as alcohol consumption, smoking, stress, lack of exercise, inadequate rest, and consumption of fast food, among others. Importantly, heart disease also incurs high treatment costs. The Central Chest Institute of Thailand has estimated the approximate treatment costs as follows:
- Balloon angioplasty and stent insertion: Approximately 43,000 – 275,000 Baht
- การทำบอลลูน: Approximately 76,000 – 139,000 Baht
- Coronary artery bypass surgery: Approximately 124,000 - 503,000 Baht
- Implant cardiac pacemaker: Approximately 18,000 – 436,000 Baht
Remark: Prices are subject to change.
Sources:
🔖 Central Chest Institute of Thailand
Kidney disease
Let's take a look at kidney disease. Currently, around 8 million Thais suffer from chronic kidney disease, with over 100,000 of them in the end-stage requiring dialysis or kidney transplantation. The trend shows that the incidence of kidney disease among Thais is increasing by 15-20% annually. Kidney disease not only results from lifestyle habits but also often comes with other complications such as diabetes, hypertension, gout, or the risk associated with family history. Once diagnosed with chronic kidney disease, the medical expenses can be substantial if not prepared for, as it requires continuous treatment, potentially leading to significant financial burdens in the long run. Let's find out how much these costs can be.
- First-time hemodialysis fee: 3,400 Baht per time (including doctor's fees) (first-time filter fee: 1,200 Baht)
- Next-time hemodialysis fee: 2,200 Baht per time
- Hemodialysis (in ICU room) fee: 4,700 Baht per time
If the hemodialysis is done 1 time a week, it costs 2,200 Baht per time, 8,800 Baht per month. In case of 3 times of hemodialysis per week, 2,200 baht per time, the total cost is 26,400 Baht per month.
Remark: Prices are subject to change.
Sources:
🔖 Hemodialysis Center, Vibhavadi Hospital
Hospital standard single room rates
Now you know the treatment costs for each illness, the next step is to find out how much you need to prepare for hospital room fees. Are the prices too high? Muang Thai Life Assurance today has updated the standard hospital room rates to serve as a guideline for choosing and preparing accordingly.
- Rajavithi Hospital (bit.ly/3tPjvka): approximately 4,000 Baht/day
- Ramathibodi Hospital (bit.ly/3IOklBK): approximately 1,500 - 2,500 Baht/day
- Siriraj Hospital (bit.ly/36VFIUm): approximately 3,000 Baht/day
- Chulalongkorn Hospital - Thai Red Cross Society (bit.ly/3uCounj): approximately 5,000 Baht/day
- Bumrungrad Hospital (bit.ly/3IU0D7I) approximately: 12,760 Baht/day
- Vibhavadi Hospital (vibhavadi.com/room-rate-search): approximately 4,360 Baht/day
- Samitivej Srinakarin Hospital (bit.ly/3IO6QSH): approximately 7,255 Baht/day
- Bangkok Hospital (bit.ly/3DjxiTb): approximately 11,300 Baht/day
Remark: Prices are subject to change.
Source: Muangthai.co.th
Whether it's the treatment costs for illnesses or the expenses for hospital rooms when sick, planning ahead is essential in all aspects, including regular health check-ups. Health is crucial, so choosing comprehensive health coverage is necessary to take care of medical expenses. Choose health insurance coverage from Muang Thai Life Assurance to ensure the constant care throughout every stage of life that covers critical illnesses, cancer, heart, kidney, epidemics, monkeypox, emerging diseases, common diseases and accidents. No need to worry about room fees and medical expenses.
Choose the coverage you need.
- D Health Plus: 1 - 5 million Baht per any treatment
- Elite Health Plus: 20 - 100 million Baht per year
✔ Standard single room ay any hospital
✔ For serious illness, it covers ICU room fee as charged.
✔ Entry age is 11 - 90 years with long-term health coverage until age 99 years.
✔ You can purchase additional coverage for health checkups, dental treatment, eye
care or maternity coverage.
✔ Buy today and pay installments with 0% interest for up to 6 months or receive cashback up to 13%.
Buy additional coverage for uninterrupted financial plans.
- D Health Plus Rider and Elite Health Plus Rider must be attached to an effective policy.
- Coverage period of the rider must not exceed the coverage period of the life insurance policy that this rider is attached to.
- Premium is eligible for tax deduction. Conditions are as specified by the Revenue Department.
- Underwriting is subject to the Company’s rules.
- Conditions are as specified by Muang Thai Life Assurance PCL and the banks.
- Conditions are in accordance with medical necessity and medical standard.
- Please study details of coverage, conditions and exclusions before making a decision to purchase insurance.