Customers and insurance agents are busy! Thai Life Assurance Association dismantling new practices Reimbursement for inpatient treatment-income compensation” in the hospital-Hopitel If you are sick with COVID-19, you must have 1 in 5 medical indications. in accordance with the Ministry of Public Health’s practice
On February 4, 2022, Mr. Banyong Wittayaweerasak life insurance guru Post a personal Facebook page that the job is sick with covid. must have a medical indication Therefore, the treatment fee can be reimbursed.
According to news sources from the life insurance industry said Thai Life Assurance Association Has issued guidelines for health insurance coverage For the insured infected with COVID-19 of the life insurance company In a nutshell, from now on, life insurance companies will provide compensation for medical expenses and daily compensation for insureds suffering from COVID. Only if there is a medical indication.
Yesterday, some life insurance company executives started. has come out to inform the life insurance agents that The company is going to make changes to its reimbursement for COVID treatment soon.
The source also stated that the life insurance company has changed the practice Providing coverage for medical expenses for this covid patient It is in line with the announcement of the Ministry of Public Health, Re: Guidelines for Medical Personnel in Providing Patient Advice and Providing Home Isolation Services for COVID-19 Patients, Updated on January 4, 2022.
While this announcement of the Ministry of Public Health Has set guidelines for infected people who do not show symptoms. or have few symptoms to be quarantined at home (Home Isolation) while patients who will be treated as “inpatients” in that hospital There must be medical necessity and medical standards. according to the rules of the Ministry of Public Health “any of the following”
1 . When the fever is higher than 39 degrees Celsius, the duration is longer than 24 hours.
2. Breathing faster than 25 breaths per minute in adults
3. Oxygen Saturation < 94%
4. Diseases that have changed or need to closely monitor the symptoms at the discretion of the physician
5. In children, if you have difficulty breathing, lethargy, have less milk or eat
Thai Life Assurance Association reasoned that in the near term covid-19 infection will become like “endemic diseases” as well as influenza which the maintenance process will change No longer need to be admitted as an inpatient. And the vast majority of patients admitted to Hospital were asymptomatic or mildly symptomatic green group patients.
Consequently, treatment in the Hospital is only in isolation, which should not be considered a hospital stay. (admit) according to the original definition
The association therefore asks life insurance companies that are members Prepared to communicate within the company and contracted hospitals To be used as a guideline for “inpatient” medical treatment and an additional contract for compensation of income from hospital stays (if any) in accordance with the rules of the Ministry of Public Health
This practice will be implemented at the same time throughout the business. From February 15, 2022 onwards
In summary, the insured who contracted COVID-19 will be reimbursed for medical expenses and compensation from hospital stay or hospital Only one of the above 5 medical indications is required. If there are no symptoms or there are few symptoms A home isolation method is required, which will not be able to reimburse the company’s medical expenses.
Life insurance agents therefore need to urgently understand. and explain to customers to understand the conditions before deciding to be admitted to the hospital or hospital next
Note : If the hospital still accepts admission without symptoms or less symptoms The insured may be responsible for all expenses.
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