Interconnecting Circles of Wellness

Insurance and Billing

Insurance and Billing

Interconnecting Circles of Wellness (ICOW) is your coordinator for this experience — not Bangkok Hospital Phuket, and not a health insurance provider. The package fees you have selected are prepaid directly to ICOW; the process described below belongs to the hospital and applies to additional or unplanned treatment at Bangkok Hospital Phuket during your visit. ICOW holds coordination status only and never holds your clinical records — the insurance, billing, deposit, and claim decisions on this page are the hospital's to make, not ours.

Questions about your program or your visit? Contact ICOW first — info@icowllc.com or our contact page.

How insurance works at Bangkok Hospital Phuket — provided by the hospital's International Insurance Department

General Insurance Information

Our International Insurance Department works closely with insurance and assistance companies worldwide. Supported by our Accounting and Medical Documentation departments, our team helps coordinate Guarantees of Payment, invoices, medical records, and other documents required for insurance claims.

Please note that insurance coverage is subject to the terms of each patient’s policy and approval from the relevant insurer.

Our Insurance Partners

We work with insurance and assistance companies in multiple countries.

To confirm whether a policy can be used at our hospital, we recommend that patients contact their insurance company before receiving treatment. Patients should confirm:

  • · Whether the policy is valid for the intended period of stay in Thailand;
  • · Whether the required treatment is covered;
  • · Whether the insurer has a direct-billing agreement with our hospital; and
  • · Whether any deductibles, co-payments, exclusions, or policy limits apply.

Please note that agreements with insurance and assistance companies may be extended, temporarily suspended, permanently suspended, or cancelled. Partner information is therefore subject to change without prior notice.

The insurance and assistance company information displayed on this page is subject to change without prior notice. Patients should contact their insurer directly to confirm current coverage and direct-billing arrangements.

See Bangkok Hospital Phuket's current insurance and assistance partners → (the hospital's website)

Contact Information

For further information, please contact our International Insurance Department:

Telephone:

  • +66 76 254 425
  • +66 76 361 000
  • +66 76 655 000

Email:

bpk.interinsurance@bangkokhospital.com

(Thailand time, ICT / UTC+7)

Insurance and Billing FAQs

How does the insurance process work?

Step 1: Provide your documents
Please provide our staff with your passport and physical or digital insurance card.

Step 2: We contact your insurer
With your consent, we will send the required medical reports and estimated treatment costs to your insurer.

Step 3: Your insurer reviews the request
Your insurer will review the information and confirm whether it can issue a Guarantee of Payment for your treatment.

How do I start the insurance process?

Please provide your passport and your physical or digital insurance card to our staff. With your consent, we will send your medical reports and estimated treatment costs to your insurer and request a Guarantee of Payment (GOP).

What is a Guarantee of Payment?

A Guarantee of Payment is confirmation that an insurance company agrees to pay the hospital directly for approved treatment.

A GOP is normally limited to specified treatment dates, medical conditions, services, or approved amounts. If the treatment changes or the hospital stay is extended, we may request an updated or extended guarantee from the insurer.

Why might insurance approval be delayed?

Even when an assistance company operates 24 hours a day, it may need to contact the patient’s local doctor, embassy, employer, or insurance office during regular business hours to verify medical history or policy validity.

This may cause delays, particularly on weekends, public holidays, or when different time zones are involved.

Which expenses might the patient need to pay?

Depending on the policy, patients may be responsible for:

  • · Personal expenses: Additional meals, telephone calls, and other non-medical personal expenses;
  • · Policy contributions: Deductibles, co-payments, and costs exceeding the policy limit;
  • · Excluded treatments or services: Items not covered by the policy, which may include sleep medication or psychological treatment; and
  • · Unapproved expenses: Treatments or services not included in the insurer’s Guarantee of Payment.

Patients should contact their insurer directly if they are unsure about their coverage.

Can a patient leave as soon as the doctor confirms that they are fit for discharge?

Not immediately. After the doctor confirms that the patient is fit for discharge, the hospital’s Billing Department must finalize the account.

Many insurers will issue their final Guarantee of Payment only after reviewing the complete itemized bill. Depending on time zones and the insurer’s response time, this administrative process may take several hours.

Patients should make travel and transportation arrangements only after their discharge and payment arrangements have been confirmed.

What if a patient does not want to wait for final insurance confirmation?

If a patient needs to leave before the hospital receives final confirmation, the patient may be asked to pay the outstanding balance as a refundable deposit.

After the hospital receives the final Guarantee of Payment, the patient will be contacted to arrange any applicable refund or cancellation of the deposit.

What happens if an insurance claim is denied?

An insurer may deny coverage for several reasons, including:

  • · The policy has expired;
  • · The condition is excluded or considered pre-existing;
  • · The permitted duration of the trip or stay has been exceeded;
  • · The treatment is not covered by the policy; or
  • · The policy limit has been reached.

If coverage is denied, the patient will be responsible for paying the hospital bill. The hospital will provide the relevant medical reports and invoices so that the patient may submit a reimbursement claim directly to the insurer, where applicable.

Are follow-up appointments covered?

We can request a Guarantee of Payment for a follow-up appointment. However, many international insurers require patients to pay for outpatient services (OPD) first and submit a reimbursement claim afterward.

Patients should confirm the outpatient coverage conditions of their policies directly with their insurers.

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