This is what I sent BUPA: Note that it contains a link to this thread, so good or bad they haev a link to the information.
Bupa Insurance May, 2, 2012
On April. 24th, 2012 my wife was admitted to AEK hospital in Udon, she is an AIA insured. The hospital requested that I post a 7500 baht deposit. This was new to me so I went o the international office, to confirm this. I was told that it was now the hospitals policy that no matter what insurance you have, you would have to post a deposit.
Being a BUPA insured I asked specifically asked if I would have to post a deposit, if I would have the same problem, if I came to their hospital. For treatment they advised that yes I would as it was now Policy and out of their control. My wife and I have the same agent, she came to the hospital and made an effort to resolve the problem she could not do so.
My wife was released the following day, they deducted her charges from the deposit no effort was made by them to bill the insurance.
I contacted the international office two more times in an effort to resolve this I know as a Platinum holder I am not required to post a deposit.
It was explained to me the reason they did this was too many people walked away and did not pay their bills. So if you were going to have an X-ray a 7500 baht deposit is now required. If you had to have surgery a further deposit was required.
I asked them if they would call BUPA and confirm coverage before asking for a deposit. I was told that BUPA would not confirm coverage over the phone. I would have to pay a deposit before treatment.
I have major medical coverage for a reason; it is well within my capability to pay for doctor visits. This a very disturbing turn of events.
So I asked specific questions as how I would be treated in an emergency. I first asked if I would have to deposit money if I came in with a compound fracture, I was told I was told that I would have to make a cash deposit.
I then asked if I came in with a heart attack would a deposit be required again I was told that I would have to make a cash deposit. I spent to two years as a licensed insurance agent myself. I know to read my policy that is a contract between BUPA and myself. I that it specifically states that no cash deposit will be required if I go to a BUPA authorized hospital
I assume BUPA also has contract with AEK Udon, stating an agreement. If so AEK Hospital is in violation of their contract with their contract BUPA insurance.
There are many, many BUPA insured in the Udon Thani area as individuals this hospital will never listen to us. But it does hold a valued connection to BUPA insurance.
I respectfully request BUPA contact the hospital administration and resolve this. To either have the hospital abide by the contract we as policy holders with BUPA and its approved hospitals. Or remove them from your list of approved hospitals.
I have resolved my problem as to normal hospitalization I sit up an account with Pinyavejinyrt Hospital an approved BUPA hospital in UDON Thani. As they will follow BUPA guidelines.
That being said I’m still at risk in an emergency as the rest of your insured’s are in this area. If you’re incapacitated by medical emergency. You have no input where you are taken by ambulance.
I hope you understand the seriousness of this matter and will do as you normally do and help o us your insured’s. I have to say I have never had instance where BUPA did not pay hospital bills.
Please inform me as to the results of your contact with AEK hospital.
Policy number: XXXXXXXXXXXXX
Below is a link where the Udon Community is discussing this matter:aek-change-of-policy-t24721.html