Insurance or GoFundMe?

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Doc67
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Re: Insurance or GoFundMe?

Post by Doc67 »

Clutch Cargo wrote: ↑Mon May 02, 2022 10:31 am
NitNoi wrote: ↑Mon May 02, 2022 9:52 am I self insure. With a major problem I want a medical evacuation but I expect that an insurer would argue that local care was adequate.
Good point. My insurance includes repatriation and that's good for their marketing. However, I think it's at the discretion of the insurance company's medical board whether they do so or not. Presumably they will be guided by the severity of your condition and associated hospital reports.
And what hospital is going to say, "we aren't good enough to treat this patient" and watch $5k a day being wheeled out of the place? I doubt RPP will.

Also, doesn't med-evac come in different shapes? A private air ambulance costs a fortune, but a biz class seat with a medic on board with you is not bank breaking amounts. As long as you can get a fit to fly certificate you'll be allowed on board.

I remember being on BA flight from BKK to LHR in business class and there was a old guy with a canula already inserted on the back of his hand and looking pretty rough. With him was a young medic with Bangkok Hospital printed on the back of his sweatshirt. Evert few hours he would do some checks. I suspect the insurers were happy to fly him home and let the NHS pick up the tab from there on.
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ego bibere nimis
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Re: Insurance or GoFundMe?

Post by ego bibere nimis »

Why would anyone tip cash into a go fund me page when its some random knuckle head who is uninsured? Its adults behaving like 12 year olds. They should treat it the same way they treat covid insurance - no insurance, no enter.

If you can't afford travel insurance you can't afford to travel - its pretty simple. And if you live here and can't afford health insurance - you can't afford to live here.
You know that tingly little feeling you get when you really like someone? That's common sense leaving your body.
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violet
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Re: Insurance or GoFundMe?

Post by violet »

ego bibere nimis wrote: ↑Mon May 02, 2022 11:47 am Why would anyone tip cash into a go fund me page when its some random knuckle head who is uninsured? Its adults behaving like 12 year olds. They should treat it the same way they treat covid insurance - no insurance, no enter.

If you can't afford travel insurance you can't afford to travel - its pretty simple. And if you live here and can't afford health insurance - you can't afford to live here.
Quite a few Cambodians can’t afford to live in their own country then.
Plenty of people in the USA can’t afford health insurance either. Does your thinking also apply to them in the USA?
Have you bothered to read the posts on this thread where even those who do pay for insurance in Cambodia do not feel confident it will be available for them when really needed? Things aren’t black and white
Despite what angsta states, it’s clear from reading through his posts that angsta supports the free FreePalestine movement.
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ego bibere nimis
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Re: Insurance or GoFundMe?

Post by ego bibere nimis »

violet wrote: ↑Mon May 02, 2022 11:57 am
ego bibere nimis wrote: ↑Mon May 02, 2022 11:47 am Why would anyone tip cash into a go fund me page when its some random knuckle head who is uninsured? Its adults behaving like 12 year olds. They should treat it the same way they treat covid insurance - no insurance, no enter.

If you can't afford travel insurance you can't afford to travel - its pretty simple. And if you live here and can't afford health insurance - you can't afford to live here.
Quite a few Cambodians can’t afford to live in their own country then.
Plenty of people in the USA can’t afford health insurance either. Does your thinking also apply to them in the USA?
Have you bothered to read the posts on this thread where even those who do pay for insurance in Cambodia do not feel confident it will be available for them when really needed? Things aren’t black and white
Normal folks read the policy and understand exclusions - if you aren't getting the cover you want, like any service you buy, change suppliers. Folks who base insurance purchase decisions based on price..well you get what you pay for.
Cambodians Vs foreigners is a different argument and you know that.
American citizens without health insurance will still get treated for serious accidents (might get sent bankrupt, but at least they will get fixed).
You know that tingly little feeling you get when you really like someone? That's common sense leaving your body.
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violet
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Re: Insurance or GoFundMe?

Post by violet »

ego bibere nimis wrote: ↑Mon May 02, 2022 12:02 pm
violet wrote: ↑Mon May 02, 2022 11:57 am
ego bibere nimis wrote: ↑Mon May 02, 2022 11:47 am Why would anyone tip cash into a go fund me page when its some random knuckle head who is uninsured? Its adults behaving like 12 year olds. They should treat it the same way they treat covid insurance - no insurance, no enter.

If you can't afford travel insurance you can't afford to travel - its pretty simple. And if you live here and can't afford health insurance - you can't afford to live here.
Quite a few Cambodians can’t afford to live in their own country then.
Plenty of people in the USA can’t afford health insurance either. Does your thinking also apply to them in the USA?
Have you bothered to read the posts on this thread where even those who do pay for insurance in Cambodia do not feel confident it will be available for them when really needed? Things aren’t black and white
Normal folks read the policy and understand exclusions - if you aren't getting the cover you want, like any service you buy, change suppliers. Folks who base insurance purchase decisions based on price..well you get what you pay for.
Cambodians Vs foreigners is a different argument and you know that.
American citizens without health insurance will still get treated for serious accidents (might get sent bankrupt, but at least they will get fixed).
Reading the fine print isn’t the answer in the real world. I’ve been on the wrong end of an insurance company that twisted things to avoid paying out on a loss. I’m super wary of insurance companies.
Having said that, after time living in Cambodia without insurance, I ended up paying for some in my final months there. Having weighed up everything, it seemed the adult thing to do.
If others haven’t reached that point of awareness, I don’t judge them though.
No one needs to give to random strangers via a gofundme - but some of us will and do give - to people we know and care about,
Do some of us give out of some weird guilt? Maybe. I give because I think sitting back and essentially sneering at someone’s choices and misfortune is not the type of person I am or wish to be. I give because I know misfortune can befall any of us in ways we can not foresee even with all the planning in the world (outside of matters of having insurance).
Do I think people should have insurance in Cambodia? I think it’s the sensible and responsible thing to do. I also think, as wonderful as it is to ride a motorbike without a helmet, the sensible thing is to wear one. I don’t hold back assistance if someone needs help though just because they didn’t make that choice at the right time in life

I’m not so clear as you are that immigrant westerners in Cambodia are so different to Cambodians in Cambodia. I’m on the fence with that
Despite what angsta states, it’s clear from reading through his posts that angsta supports the free FreePalestine movement.
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