Our International Patient Team transforms a stressful medical trip into a structured, manageable journey. We are with you every step of the way, from your first inquiry to your final follow-up.

• Embassy & Visa Documentation: We assist with Embassy communications and provide the necessary documentation for visa extensions based on the patient’s clinical condition.
• Clinical Coordination: We help you navigate appointment options and connect you with top-ranked specialists.
• Logistics Support: Guidance on travel planning and housing options for you and your family.

To ensure a smooth experience, Bangkok Hospital Phuket works with most major insurance companies and Third-Party Administrators (TPAs) worldwide.

Understanding Your Coverage

For peace of mind regarding medical expenses, we recommend these three steps:

1. Verify Coverage: Contact your insurer to confirm that Bangkok Hospital Phuket is an approved provider.
2. Obtain Authorization: Request any necessary pre-authorizations for your specific procedure.
3. Check Benefits: Confirm your responsibilities, such as copayments, deductibles, and coinsurance.

If your provider is listed below, we are likely considered “In-Network.”

Don’t see your provider?

If your insurance company is not listed, please contact our International Insurance Department directly. Our specialists will work with your provider to verify if a direct billing agreement can be established.

• Valid Passport: Must be valid for at least 6 months beyond your arrival date in Thailand.
• Visa Documents: Ensure you have the correct visa for your stay. If you require a visa extension letter due to medical reasons, our International Patient Team will assist you.
• Medical Records: * Hard copies or digital files of recent medical reports, laboratory results, and imaging (CDs or USBs of X-rays, MRIs, or CT scans).
  • A list of current medications (name, dosage, and frequency).
  • Immunization and vaccination records.
• Referral Letters: Any letters from your local physician or specialist regarding your condition.

Insurance & Finance: International Patient Guide

Foreign Insurance Handling Procedures

To ensure a smooth billing process, please follow these steps:

• Documentation: Please provide your physical or digital international insurance membership card and your passport.
• Initial Notification: Once we receive your documents, medical report, and price estimation, we will—with your consent—notify your insurance company of your case to request a Guarantee of Payment (GOP).
• Ongoing Updates: We provide regular medical and financial updates to your insurance or assistance provider. This includes information regarding your “fit-to-fly” status, planned travel dates, and any factors that may affect your discharge or repatriation.
• Coverage Adjustments: If your treatment plan changes or costs approach the currently approved limit, we will contact your insurer to request an adjustment to your Guarantee of Payment.

Guarantee of Payment (GOP)

Upon receiving our notification, your insurance or assistance company will verify the following:

• Policy Validity: Your coverage dates and length of stay.
• Medical Necessity: Whether the condition or treatment is covered under your policy or if exclusions apply (e.g., pre-existing conditions).
• Financial Terms: Applicable deductibles, co-pays, policy excesses, or “stop-loss” limits.

Important Note on Delays: While many assistance companies operate 24/7, they may need to contact third parties (such as your GP, embassy, or local hospital) that only operate during standard business hours. This may cause delays, particularly during weekends or public holidays.

Understanding Your Coverage:

• Direct Billing: Once approved, the insurer sends a GOP—a formal declaration that they will pay the hospital directly.
• Limits: GOPs are rarely “blank checks.” They are usually limited by date, total amount, or specific diagnoses. We will request extensions as needed, supported by medical reports.
• Non-Covered Items: Personal expenses (e.g., extra meals, private phone calls) are not covered and must be paid by the patient.
• Exclusions: Some insurers exclude specific items as Psychological treatments, Fighting, Alcohol, Extreme sport, or STD-related investigations. These will be billed to you directly.
• Denials: If your insurance has expired, your stay has exceeded policy limits, or the condition is deemed pre-existing, the insurer may issue a denial. In this case, the bill remains your responsibility. We will provide all original invoices and reports to assist you with a reimbursement claim.

Discharge Day

• Medical Clearance: Your attending physician will perform a final review, prescribe home medications, and schedule follow-up appointments. Once the medical discharge summary is finalized, your file is sent to the Cashier Department to complete the billing process.
• Finalizing the Account: When the bill is ready and all guarantees are in place, staff will escort you to the IPD Cashier. You will be asked to sign the final bill, settle any personal expenses or policy excesses, and collect any items held in safekeeping. Any initial deposits will be refunded or cancelled at this time.
• Processing Time: Some insurers only issue a final GOP after reviewing the detailed final invoice. Please be aware that medical clearance from your doctor does not always mean immediate discharge. Depending on time zones and insurer processing speeds, the final administrative clearance can take several hours.
• Expedited Discharge: If you prefer not to wait for the final guarantee, you may pay the remaining balance as a “deposit.” We will notify you once the guarantee arrives so your deposit can be refunded.
• Follow-Up Care: We will request coverage for any scheduled follow-up visits. However, please note that some international insurers do not provide GOPs for outpatient visits and may require you to pay upfront and claim reimbursement later.
• Letter of Guarantee (LOG): If you have already secured an authorization letter from your insurer, please bring a printed copy.
• Method of Payment: Credit cards, debit cards, or cash (Thai Baht) for any out-of-pocket expenses, deposits, or deductibles.
  • Tip: Inform your bank that you will be making a large transaction in Thailand to avoid any security blocks.

• Prescription Medications: A sufficient supply of your regular medications in their original packaging, along with the prescription.
• Personal Care: While the hospital provides basic toiletries, you may prefer to bring your own toothbrush, shampoo, and skincare.
• Clothing: * Comfortable, loose-fitting clothing and a light sweater (the hospital is air-conditioned and can be cool).
  • Comfortable shoes or slippers for walking within the facility.
• Electronics: Your mobile phone, laptop/tablet, and a Universal Power Adapter (Thailand uses Type A, B, and C plugs, 220V).