Medical insurance for extension of ER Visa?

BKK Phil · Post by **BKK Phil** » Mon Mar 30, 2020 12:37 pm

Given Covid 19 concerns, are Cambo Immigration requiring proof of medical insurance to extend ER visa in-country? Have been here 8 months on retirement visa without travel abroad.

Extension of visa scheduled for end-April.

BKK Phil

Kammekor · Post by **Kammekor** » Mon Mar 30, 2020 1:14 pm

Currently it’s not required, but ....

Anchor Moy · Post by **Anchor Moy** » Mon Mar 30, 2020 1:37 pm

^^
Not as far as I know.
HE has said that all foreigners in Cambodia infected with covid-19 will receive free health treatment from the Cambodian health care system - because they (Cambodia) are compassionate and they care for their visitors.

(I was discussing this with a Khmer friend last night, and he said that the government messages on this in Khmer are underlining the humanity of the Cambodian authorities compared to their egoistic neighbors. Not mentioning any names, @PR.

)

Anyway, thank you to the Cambodian authorities. That's a positive message to foreigners living in Cambodia. We will try to stay safe, (and wear our masks etc), but it's good to know that we will be taken care of if we happen fall sick with the coronavirus and need hospitalisation. A fine gesture.

Whether the Cambodian hospitals can save your life or not is another question. IMO, foreigners should really have some health insurance sorted to pay for treatment if necessary, and not rely on Cambodia's health care system to pay for us when there is not enough to go around for Khmers.

Fourkinnel · Post by **Fourkinnel** » Mon Mar 30, 2020 4:07 pm

Anchor Moy wrote: ↑Mon Mar 30, 2020 1:37 pm

Whether the Cambodian hospitals can save your life or not is another question. IMO, foreigners should really have some health insurance sorted to pay for treatment if necessary, and not rely on Cambodia's health care system to pay for us when there is not enough to go around for Khmers.

Please tell us which affordable insurance will cover for a pandemic in a third world country. And if they had it wouldn't they still have to take up Cambodia's health care time and bed spaces.

Post by **Clutch Cargo** » Mon Mar 30, 2020 4:22 pm

Fourkinnel wrote: ↑Mon Mar 30, 2020 4:07 pm
Anchor Moy wrote: ↑Mon Mar 30, 2020 1:37 pm

Whether the Cambodian hospitals can save your life or not is another question. IMO, foreigners should really have some health insurance sorted to pay for treatment if necessary, and not rely on Cambodia's health care system to pay for us when there is not enough to go around for Khmers.
Please tell us which affordable insurance will cover for a pandemic in a third world country. And if they had it wouldn't they still have to take up Cambodia's health care time and bed spaces.

Good point, I wonder too if there are any left that will cover a pandemic now..

Re the free treatment for foreigners, I saw this on another topic which suggests only certain public hospitals would do so (the source of that info is not mentioned however):

The Cambodian Ministry of Health has designated three hospitals in Phnom Penh (Khmer-Soviet Friendship Hospital, National Pediatric Hospital, and Kantha Bopha Hospital), and 25 Provincial Referral Hospitals as medical facilities that can order a test for, and treat, suspected cases of COVID-19.

post407857.html#p407857

If that is the case, then presumably if you had insurance you would stay in a better, private hospital such as Royal Phnom Penh..

Doc67 · Post by **Doc67** » Mon Mar 30, 2020 8:49 pm

clutchcargo wrote: ↑Mon Mar 30, 2020 4:22 pm
Fourkinnel wrote: ↑Mon Mar 30, 2020 4:07 pm
Anchor Moy wrote: ↑Mon Mar 30, 2020 1:37 pm

Whether the Cambodian hospitals can save your life or not is another question. IMO, foreigners should really have some health insurance sorted to pay for treatment if necessary, and not rely on Cambodia's health care system to pay for us when there is not enough to go around for Khmers.
Please tell us which affordable insurance will cover for a pandemic in a third world country. And if they had it wouldn't they still have to take up Cambodia's health care time and bed spaces.
Good point, I wonder too if there are any left that will cover a pandemic now..

Re the free treatment for foreigners, I saw this on another topic which suggests only certain public hospitals would do so (the source of that info is not mentioned however):

The Cambodian Ministry of Health has designated three hospitals in Phnom Penh (Khmer-Soviet Friendship Hospital, National Pediatric Hospital, and Kantha Bopha Hospital), and 25 Provincial Referral Hospitals as medical facilities that can order a test for, and treat, suspected cases of COVID-19.
post407857.html#p407857

If that is the case, then presumably if you had insurance you would stay in a better, private hospital such as Royal Phnom Penh..

My Globality policy makes no exclusions for pandemics.

I checked specifically with the agent AG Cambodia in February when all this crap started to get real and someone said there are always exclusions since SARS.

Whether you can still get such a policy is another matter.

PSD-Kiwi · Post by **PSD-Kiwi** » Mon Mar 30, 2020 10:02 pm

The answer to your question is "No".

pczz · Post by **pczz** » Tue Mar 31, 2020 1:02 am

Doc67 wrote: ↑Mon Mar 30, 2020 8:49 pm
clutchcargo wrote: ↑Mon Mar 30, 2020 4:22 pm
Fourkinnel wrote: ↑Mon Mar 30, 2020 4:07 pm
Anchor Moy wrote: ↑Mon Mar 30, 2020 1:37 pm

Whether the Cambodian hospitals can save your life or not is another question. IMO, foreigners should really have some health insurance sorted to pay for treatment if necessary, and not rely on Cambodia's health care system to pay for us when there is not enough to go around for Khmers.
Please tell us which affordable insurance will cover for a pandemic in a third world country. And if they had it wouldn't they still have to take up Cambodia's health care time and bed spaces.
Good point, I wonder too if there are any left that will cover a pandemic now..

Re the free treatment for foreigners, I saw this on another topic which suggests only certain public hospitals would do so (the source of that info is not mentioned however):

The Cambodian Ministry of Health has designated three hospitals in Phnom Penh (Khmer-Soviet Friendship Hospital, National Pediatric Hospital, and Kantha Bopha Hospital), and 25 Provincial Referral Hospitals as medical facilities that can order a test for, and treat, suspected cases of COVID-19.
post407857.html#p407857

If that is the case, then presumably if you had insurance you would stay in a better, private hospital such as Royal Phnom Penh..
My Globality policy makes no exclusions for pandemics.

I checked specifically with the agent AG Cambodia in February when all this crap started to get real and someone said there are always exclusions since SARS.

Whether you can still get such a policy is another matter.

Check the wording carefully. it may not exclude pandemics but it may exclude entering countries where against the advice of a government or agency such as the British Foreign office or the CDC in the states. In another thread I showed this clause in a nomads poilicy which otherwise loked as if it covered you.
Also check where you can be takne to for treatment. maybe nearst country with relevant medical facilites and notback home. You can die in thailand when your medical insurance runs out

truffledog · Post by **truffledog** » Tue Mar 31, 2020 1:47 am

Insurance cover is one (good) thing but will be pretty useless in case the needed services are not available locally. And by own experience the insurance companies will always try to find a reason to deny the coverage first while you need URGENT help (read the fine print and understand it).

Basically the 3 steps applied in case you have mild symptoms is medication (1) and if necessery ventilation (2).

So the questions are:

1.is any of the most promising medicines available in Cambodia (hopefully not the fake ones)?
2.Is there enough stock if things get worse and numbers rise ?
3.Are the medicines still working/ok when they have been stocked in unappropriated circumstances for months and months (heat and humidity) ?
4.Are oxygen bottles and side equipment available locally in case you need ventilation? They will be quickly stock out in case the numbers rise, see Italy)

If things get worse and you have severe respiratory problems you will need to be intubated which means ICU (3).

So the next questions are:

1.how many (real) ICU beds are available and where are they located? Italy and Spain have run out of them in no time. Read the news.
2.If no ICU bed is available for intubation medical evac will be necessary but in those special days will it work in time to save your soul?
3.Which hospital abroad will accept patients from Cambodia?
4.How will the country of destination handle the immigration procedure?. Remember most neighbouring countries are shut even to people showing no signs at all, so beeing positive will surely not fasten up the red tape involved in such a transaction.
5. Are you sure the insurance company will pay to fly you home (US or Europe) in case no other neighbouring country is willing to take you up? It cost a friend of mine 60'000 US to be flown out to Singapore from Vietnam about 10 years ago on a severe motorbike accident. So guess yourself what they will charge on a long distance flight.

pczz · Post by **pczz** » Tue Mar 31, 2020 7:01 am

Interesting italy ran out of iTU and ventilators. It has the most per capita of any country in europe. Uk has the least of any developed country in europe, per capita and the least number of itu beds. We also donot have the right euipment for the medics to wear.
And a nudge for the unsung heros. the supermarket staff who are seeing hundreds of people daily within 2 feet of their face with no protective gear atall. A few supermarkets are now belatedly fitting perspex screens

Medical insurance for extension of ER Visa?

Medical insurance for extension of ER Visa?

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