OIC issues guidelines If treated in a hospital, Hospital Hospital, Field Hospital is an inpatient, pay in all cases. Ready to inform the life insurance company non-life insurance company Thai Life Assurance Association and the Thai General Insurance Association to be implemented on March 1, 2022.
The OIC issues guidelines for insurance companies to strictly adhere to in the case of COVID-19 insurance claims, medical expenses and/or daily compensation
Dr. Suthiphon Thaweechaikarn, Secretary-General of the Insurance Commission (Secretary-General of the OIC) revealed that according to the OIC held a meeting with the Ministry of Public Health. Thai Life Assurance Association Thai General Insurance Association and the Private Hospital Association on February 25, 2022 to find a solution together.
In the case of private hospitals refusing to accept patients infected with COVID If they do not meet the criteria of the Thai Life Assurance Association and in the event that some insurance companies refuse to pay claims which affects the insured people who are infected with covid who received medical treatment
Currently, the Office of Insurance Commission has successfully applied the above principles to the guidelines. and has notified the life insurance company non-life insurance company Thai Life Assurance Association and the Thai General Insurance Association to be implemented on March 1, 2022.
The guideline has the following important contents:
1. Applies to claims under insurance policies that the company has been approved by the registrar. which the company issued to the insured or the covered person and the insurance policy is still in effect
2. Determine the definition of “COVID-19 Insurance Policy” means an insurance policy. Additional Contract Protection Agreement Attachment or record endorsement which provides coverage for medical expenses and/or daily compensation or income compensation in the event that the insured or insured suffers from Coronavirus 2019 (COVID-19) infection and has been admitted to sick in hospital No matter what the name is called and “medical facility” shall mean a hospital, a hospital, a hospital and a field hospital. but does not include places used for home isolation or community isolation maintenance
1. The insured or the person covered under the COVID-19 insurance policy who is sick from the Coronavirus 2019 (COVID-19) infection and is admitted as an inpatient. In hospitals that meet the criteria for referrals to hospitals that are set in accordance with the Guidelines for Healthcare Professionals in Patient Advising and Providing Home Isolation for COVID-19 Patients or other guidelines on Treatment or provision of services to patients with COVID-19 of the Ministry of Public Health or
2. The insured or the person covered under the COVID-19 insurance policy who is sick from the Coronavirus 2019 (COVID-19) infection and symptoms or illnesses are not in accordance with Article 1. But the treating physician has the discretion that
It is medically necessary to be admitted as an inpatient in a hospital and be treated as an inpatient in a hospital.
The Secretary-General of the OIC said, “Defining the guidelines above will help reduce confusion and lay out clear guidelines. for insurance companies to follow the same guidelines This helps to reduce disputes and alleviate the suffering of the insured who is sick from coviral infection and is admitted to be inpatients in hospitals, hospitals, hospitals and field hospitals. but unable to claim medical expenses and/or daily compensation
As for the issue of the new guidelines of the Ministry of Public Health that have recently stipulated that the care of patients with COVID-19 During the infective period, it is imperative that the patient be isolated from others in a medical facility at the patient’s residence (Home Isolation (HI), CI and Hotel Isolation are other exempt facilities. according to the law on hospitals as well
