CharlieH

If you are thinking of riding a motorcycle in Thailand, these tips should help. Riding a motorcycle in Thailand is a great way to get around, especially in heavy traffic where it’s often the quickest option. While some may warn against it, those who avoid hopping on a 110cc scooter miss out on a unique part of life in Southeast Asia. Yes, there are risks, but by wearing a helmet, following the rules, and avoiding drinking and driving, you can enjoy a safe and reliable way to travel. You might hear stories about accidents, and hospital visits are not uncommon. With the right license, insurance, and a bit of common sense, you can reduce the risks and experience the freedom of riding a motorcycle in Thailand. Ten tips for riding motorcycle in Thailand Exploring Thailand on a motorbike offers convenience and a sense of adventure, but it’s important to be prepared before hitting the road. Here are ten essential tips to help you stay safe and make the most of your motorbike experience. 1. Wear appropriate clothes Image via Canva Injuries and scratches are no fun, and they’re easy to get if you’re not careful on a motorcycle. Many tourists ride around in shorts and tank tops, but wearing long pants and a shirt is much safer. If you fall, having clothes to cover your skin can help protect you from serious wounds. It also shields you from the sun. 2. Keep your motorcycle in good condition Image via Canva To keep your motorbike running smoothly in Thailand, regular maintenance is key. Modern Thai bikes are tough, but they last longer and perform better if you follow the service schedule and change the oil every few months. Even though these 110-125cc bikes are affordable and mostly made locally, taking care of them helps ensure they stay reliable. Besides changing the oil, check the tyre pressure regularly—Thai roads can wear down tyres quickly. Keep an eye on the brakes too; they usually last well but still need occasional checks. Luckily, you’ll find many small repair shops along main roads, just like convenience stores. They’re quick, inexpensive, and often have parts readily available. Whenever you get your oil changed, ask the service person to check your brakes, tyres, and ensure all nuts and bolts are tight. Don’t forget to make sure your lights and indicators are working properly. With a little upkeep, your bike will stay in great shape, and even newer electric models are reliable and cost-effective. 3. Make sure you have a proper license Image via Canva Your car license from your home country won’t work for riding a motorcycle in Thailand, and an International Driver’s License for cars isn’t sufficient either. To ride legally, you need a Thai motorcycle license. It might not seem urgent now, but if you get into an accident, having the proper license is crucial to avoid legal trouble. Make sure you get your license from the Land Transport Office, not from a quick fix on Khao San Road for 500 baht.Tourists can usually rent bikes with just a passport and deposit, but don’t count on the rental shop’s insurance—it often won’t cover you. Check your own health and travel insurance to ensure you’re protected. (Here’s some info about getting a motorbike license in Bangkok, the same applies at the Land Transport Offices in most Thai cities). 4. Check your travel and health insurance Image via Canva Each week, the Asean Now forum hears from tourists who find themselves with huge hospital bills and insurance companies refusing to pay because they lacked a proper driver’s license—or had no insurance at all. Even if you have travel or health insurance, be sure to read the fine print, as some policies exclude coverage for motorbike accidents in Thailand In 10 years of driving on Thai roads, I’ve had one fall. It winded me badly and I got abrasions on my ankle and knee. But people ran to my assistance and helped me up. I didn’t need to go to the hospital but I was grateful, lying in the middle of the road gasping for breath, that I knew I had good health insurance and a proper license. (The fine print on your insurance, different countries’ licences, and the policeman that shows up at your accident will all play a part in how your accident will play out. The ONLY sure way you can prove your legal ability to drive on a Thai road is with a Thai motorbike license) 5. Driving is different in Thailand Image via Canva Driving in Thailand is quite different from Western countries. Even though traffic moves on the left side of the road, Thai drivers have a more relaxed and flowing style. They often drive with the traffic flow rather than sticking strictly to rules, so personal space isn’t as important, and drivers may cut in front of each other. Horns are used less in Thailand compared to places like Vietnam. Instead of honking in frustration, drivers use their horns to signal their intentions. Tailgating and sudden lane changes are common, but road rage is rare. To stay safe, keep an eye out for unexpected moves from other drivers and pedestrians, and be ready to adapt to the local driving style. 6. Green lights mean GO. Red lights also mean GO sometimes. Image via Canva You’ll see what we mean. Don’t even think about trying it. It will either get you fined or dead. Suffice to say, a few ‘enthusiastic’ Thai motorcyclists won’t wait until the green light. Even the red light won’t stop some of them from going straight through the intersection. Many infections will have a countdown before the green light and by the time it gets below 5 seconds, the front row of bikes will already be getting on with their journey. 7. Have a practice Image via Canva If you’re new to riding a motorcycle or new to riding in Thailand, start slowly. Avoid jumping straight into busy traffic. Instead, practice in a quieter area to get used to how your motorcycle handles and how Thai traffic flows. Find an empty road where you can become comfortable with your bike. Stick to the left side, even though some Thai drivers may mix with larger vehicles. Build your confidence and get used to navigating traffic in a quieter area before you take on busier roads. 8. Beware pot holes Image via Canva Roads in Thailand have gotten better over the past decade, but pot holes can still appear unexpectedly. Keeping a safe distance from the car in front gives you a chance to spot and avoid these potholes before you drive into one. While car tyres might roll over these deep holes without much trouble, a motorcycle can suddenly stop if it hits one, causing you to go over the handlebars. You’ll quickly understand why they call it a “shock absorber” if you hit a pothole! 9. If you’re not sure, don’t Image via Canva Never ridden a motorcycle? Didn’t ride a motorcycle in your own country? Well, there are already two good reasons not to try it for the first time in Thailand on a busy road. Riding a motorcycle here can be challenging and dangerous, even for experienced drivers. Instead, consider other options for getting around. Motorbike taxi drivers, known as ‘win’ drivers, can take you to your destination for a low price, especially in busy areas. Additionally, ride-hailing services like Grab and Bolt offer convenient options for bikes and cars. 10. Police will often arbitrate on the spot at an accident Image via Canva If you’re involved in a motorcycle accident in Thailand and it’s your fault, you’ll likely need to pay for the damage. The police usually arrive at the scene quickly and often decide who is at fault and how much should be paid. There’s a belief that Thai police always side with locals, but that’s not always true. If you’re in the wrong, you’re still responsible. If you feel like you’re being unfairly treated, contact the Tourist Police or your consulate before agreeing to pay anyone. Avoid arguing with local police or demanding to speak to higher authorities, as this can make things more complicated. Stay calm and patient, and follow the process. Handling the situation politely is usually cheaper and less stressful than dragging it out or going to court. Remember, you’re in a foreign country where things are done differently. Despite everything else, getting around Thailand on a motorbike or motorcycle will give you a unique perspective. It can be safe, cheap, reliable, and convenient. After reading all this you’re in a much better situation to tackle your motorcycle experience in Thailand.

Thinking of hitting the open roads of Thailand on a motorcycle? It’s an exhilarating way to explore the country’s stunning landscapes and vibrant cities. But before you rev up that engine, you need to be aware of the local driving rules that ensure your journey is safe and legal. Thailand’s traffic laws may differ significantly from what you’re used to, and understanding these regulations is crucial. From mandatory helmet use to specific licensing requirements, these rules are designed to protect both you and other road users. Ignoring them can lead to hefty fines or even more severe consequences. In this article, we’ll break down the essential rules for driving motorcycles in Thailand. Whether you’re a seasoned rider or a novice, knowing these guidelines will help you navigate the roads confidently and enjoy your adventure to the fullest. Essential rules for motorcycle riding in Thailand Obtain the correct licence Photo via: Thaiger official website You must hold a valid motorcycle licence to legally drive in Thailand. International licences are accepted if issued by your home country and compliant with the International Driving Permit (IDP) standards. Local authorities often carry out checks, so always have your licence on hand. Documentation should be readily available for expeditious verification during police inspections, thus enhancing road safety and compliance with the law. As a non-Thai resident, you’ll need to have one of the following documents to legally ride a motorcycle in Thailand: International Driving Permit (IDP): If you’re a non-Thai resident, an IDP is mandatory. It translates your driver’s license into multiple languages. Thai driving license: For long-term stays, consider obtaining a Thai driver’s license. The process typically involves a written and practical test. Steps to obtain an IDP or Thai driving license Document Type Steps International Driving Permit (IDP) 1. Contact the local automobile association 2. Provide a valid domestic driver’s license and passport 3. Pay a fee Thai Driving License 1. Gather required documents (passport, visa, proof of address, medical certificate) 2. Take a theory test 3. Take a practical driving test 4. Pay fees Requirements for a Thai motorcycle licence To apply for a Thai motorcycle licence, you must meet specific criteria: Age: You must be at least 18 years old. Residency: Non-residents must have a valid visa and residency certificate. Health check: A medical certificate not older than 30 days is required. Identification: A valid passport and current visa are necessary. Licence validity A Thai motorcycle licence is initially valid for two years. Upon renewal, it can be extended for up to five years. Translating documents: Ensure all non-Thai documents are translated and certified. Consistent study: Thoroughly study the Thai traffic laws for the theory test. Preparation: Practice extensively for the practical test, focusing on local driving conditions. Following these steps ensures you can legally enjoy driving motorcycles in Thailand while adhering to the local rules. Wear helmets Photo via: Alexas Fotos from pexels.com Thailand has strict helmet laws that are enforced throughout the country. Both the rider and passenger are required to wear helmets while operating a motorcycle. Failure to comply can result in fines and other penalties. While any type of helmet is better than none, it’s recommended to wear a full-face helmet for maximum protection. Full-face helmets provide coverage for your entire head, including your face, chin, and neck. They are the most effective in preventing injuries from accidents. Ensure that your helmet meets international safety standards. Look for helmets with certifications like ECE 22.05 or DOT (Department of Transportation). These certifications indicate that the helmet has undergone rigorous testing to ensure its safety. Additional tips Replace damaged helmets: If your helmet is damaged in an accident, replace it immediately. Even minor damage can compromise its protective properties. Avoid secondhand helmets: Buying a secondhand helmet may not be the best option, as you cannot be sure of its history or condition. Store helmets properly: When storing your helmet, keep it in a cool, dry place away from direct sunlight. Clean your helmet regularly: Regular cleaning can help maintain the integrity of your helmet’s materials and ensure proper ventilation. Other protective gear In addition to helmets, wearing other protective gear is advisable. It’s essential to use: Jackets and trousers: Durable, abrasion-resistant materials offer better protection than regular clothing. Gloves: These protect your hands from injuries and enhance grip. Footwear: Sturdy boots or shoes designed for motorcycle riding to prevent foot and ankle injuries. Eye protection: If your helmet doesn’t have a visor, use goggles or safety glasses to shield your eyes from debris. By following these guidelines and wearing a quality helmet, you can significantly reduce your risk of head injuries while riding a motorcycle in Thailand. Follow speed limits Photo via: Expatica official website Thailand has strict speed limits in place to ensure road safety. It’s crucial to follow these limits to avoid accidents and fines. Speed limits are typically posted on signs along roads. They are usually indicated in kilometres per hour (km/h). Pay close attention to these signs and adjust your speed accordingly. General speed limits in Thailand Road Type Speed limit (km/h) Urban Areas 40-60 Rural Roads Higher (exercise caution) Highways 80-120 (be aware of specific restrictions) Factors affecting speed limits Road conditions: The condition of the road, such as curves, hills, or construction zones, may necessitate lower speed limits. Traffic density: Heavier traffic may require slower speeds to maintain safety. Weather conditions: Adverse weather conditions like rain, fog, or strong winds can reduce visibility and require reduced speeds. Consequences of speeding Exceeding speed limits can result in: Fines: You may face fines, which can be substantial, especially for excessive speeding. License suspension: Repeated violations can lead to license suspension or revocation. Accidents: Speeding significantly increases the risk of accidents, which can result in injuries or fatalities. Drive on the left side Photo via: Bikewale official website Thailand, like many other countries, drives on the left side of the road. This means that vehicles must keep to the left side of the road when travelling and overtaking. This can be a significant adjustment for drivers from countries that drive on the right, such as the United States. If you’re new to driving on the left side, consider practising in a quiet area before venturing onto busier roads. Give yourself time to adjust to the new driving pattern. It may take some time to feel comfortable. Be aware of your surroundings and other drivers. Pay attention to road signs and traffic signals. If you’re feeling overwhelmed, take a break and rest. Key points to remember Stay to the left: Always keep your motorcycle on the left side of the road, even when waiting at intersections or traffic lights. Overtaking: When overtaking other vehicles, do so on the right side. Ensure there is enough space and that it’s safe to do so before making the manoeuvre. Roundabouts: In roundabouts, enter on the right and exit on the right. Pedestrian crossings: Yield to pedestrians at crosswalks, even if they are not using designated zebra crossings. Respect traffic signals and signs Photo via: internationaldriversassociation.com official website Obey all traffic lights and road signs without exception. Traffic signals might sometimes be disregarded by locals, but you should follow them for safety and legal reasons. Road signs provide crucial information and instructions for safe driving. Thailand uses standard traffic signals similar to those found in many other countries. These signals include: Red light: Stop completely. Do not proceed until the light turns green. Yellow light: Prepare to stop. If it is safe to do so, proceed through the intersection. Green light: Proceed, but yield to pedestrians and vehicles already in the intersection. Failing to adhere to traffic signals and signs in Thailand can have severe consequences. You may face substantial fines, particularly for serious violations. Moreover, disregarding traffic regulations can significantly increase the risk of accidents, potentially leading to injuries or fatalities. Repeated offences can result in license suspension or revocation. By strictly following traffic signals and signs, you can contribute to road safety and avoid legal repercussions. Respect pedestrian crossings Photo via: Anastasiya Badun from pexels.com Thailand prioritises pedestrian safety, and drivers are expected to yield to pedestrians at crosswalks. This includes both designated zebra crossings and unmarked pedestrian crossings. Understanding pedestrian crossings Zebra crossings: These are marked with black and white stripes and are designated pedestrian crossing areas. Unmarked crossings: Even without formal markings, pedestrians have the right to cross at intersections and designated pedestrian areas. Yielding to pedestrians Stop and wait: When approaching a pedestrian crossing, slow down and be prepared to stop. If pedestrians are already crossing or are about to cross, yield the right of way. Make eye contact: Make eye contact with pedestrians to ensure they are aware of your presence and that you intend to yield. Avoid honking: Honking at pedestrians can be considered aggressive and may not encourage them to yield. Be patient: Allow pedestrians to cross safely without rushing or honking. By respecting pedestrian crossings and yielding to pedestrians, you can contribute to a safer and more pedestrian-friendly environment in Thailand. Avoid alcohol consumption Photo via: bigbiketours.com official website Thailand has a strict zero-tolerance policy for drunk driving. This means that even trace amounts of alcohol in your blood can lead to severe penalties. It’s essential to avoid consuming alcohol before or during your motorcycle ride. Consequences of drunk driving Fines: You may face hefty fines, which can be significantly higher than those for other traffic violations. Imprisonment: In severe cases, drunk driving can result in imprisonment. License Revocation: Your driver’s license may be revoked, both in Thailand and in your home country. Vehicle Confiscation: Your motorcycle may be seized by authorities. Deportation: If you’re a non-resident, you may be deported from Thailand. Familiarise yourself with Thailand’s specific drunk driving laws and penalties. Don’t feel pressured to drink alcohol if you don’t want to. Opt for non-alcoholic beverages or mocktails. Use headlights Photo via: eaglelights.com official website While not a strict requirement, it’s highly recommended to use headlights, even during daylight hours. This is often referred to as daytime running lights (DRLs). Using DRLs can significantly improve your visibility to other road users, especially in low-light conditions or when the sun is low in the sky. During nighttime, using headlights is mandatory. Ensure that your headlights are functioning properly and are set to the appropriate mode (low beam or high beam) depending on the road conditions. Benefits of using headlights Increased visibility: Headlights improve your visibility to other road users, reducing the risk of accidents. Safety: Using headlights can help you see potential hazards earlier, giving you more time to react. Legal compliance: While not always strictly enforced, using headlights is generally considered good practice and may be required in certain situations. Before starting your ride, ensure that both your headlights and taillights are functioning correctly. Use high beams when there is no oncoming traffic to improve visibility. However, switch to low beams when other vehicles are approaching to avoid blinding them. Regularly clean your headlights and taillights to ensure optimal visibility. Avoid using mobile devices Photo via: Freepik Using a mobile device while driving, whether for calls, texting, or other purposes, is a significant safety hazard. It can lead to distracted driving, which can result in accidents, injuries, and even fatalities. Tips for safe driving practices Avoid using your phone: The safest option is to completely avoid using your mobile device while driving. Use hands-free devices: If you must use your phone, use a hands-free device such as a Bluetooth headset. Pull over: If you need to make a call or send a message, pull over to a safe location before doing so. Focus on the road: Keep your eyes on the road and be aware of your surroundings. Set your phone to do not disturb: Activate the “Do Not Disturb” mode on your phone to avoid incoming calls and notifications. Additional Tips Passenger assistance: If you need to use your phone, ask a passenger to do it for you. Plan ahead: Make necessary calls or send messages before starting your journey. Avoid distractions: Minimize other distractions while driving, such as eating or drinking. By avoiding mobile device use while driving, you can significantly reduce your risk of accidents and contribute to road safety in Thailand. Fine amounts for motorcycle rule violations in Thailand Violation Fine Amount (THB) Not wearing a helmet 400-1,000 Driving without a valid license 500-1,000 Running a red light 500-1,000 Speeding Varies based on the speed limit and the extent of the violation Driving under the influence (DUI) 2,000-20,000 Using a mobile phone while driving 400-1,000 No or faulty license plate 200-1,000 Driving without insurance 500-1,000 Not following traffic signs 200-500 Unauthorized modifications to the vehicle 1,000-5,000 Additional notes: Multiple violations: If you are caught violating multiple rules at once, the fines may be cumulative. Repeat offences: Repeat offenders may face harsher penalties, including imprisonment. Local variations: While these are general guidelines, fines may vary slightly depending on the specific region or province within Thailand. Note: These fines are estimates and may vary based on specific circumstances and the discretion of the enforcing officer. It’s always recommended to consult local authorities or the Thai Police for the most accurate and up-to-date information. What to do in case of an emergency? In the event of a motorcycle emergency in Thailand, prioritizing your safety and those of your passengers is paramount. If the situation allows, move to a secure location away from traffic. Once safe, contact emergency services by dialling 191 for the police or 1669 for medical assistance. Provide your location and a clear description of the emergency. If you or others are injured and capable, administer basic first aid, such as stopping bleeding with a clean cloth. Avoid moving injured individuals unless necessary to prevent further harm. Immediately notify your insurance company about the incident, providing them with detailed information. Filing a police report at the nearest station is essential for insurance claims and potential legal matters. Document all relevant details and gather witness statements if possible. Even if injuries appear minor, seek medical attention to prevent complications or hidden injuries. To be prepared for emergencies, always carry essential documents like emergency contacts, insurance details, and identification. Consider storing digital copies on your phone for easy access. By following these guidelines, you can effectively handle emergencies and ensure a safer and more enjoyable motorcycle experience in Thailand. Other useful resources about automotive in Thailand Transportation Thailand Buying a car in Thailand Selling car in Thailand Automotive Laws and Regulations in Thailand Electric Vehicles (EVs) Thailand Motorbike rules Thailand Buying a motorcycle in Thailand Selling a motorcycle in Thailand

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TENS , be careful. Incorrect placement: May reduce effectiveness or cause discomfort. Temporary relief: Does not address underlying causes. Safety risks: Improper use or if contraindicated (e.g., pregnancy, pacemakers And others)

There are some very easy and simply stretches etc that when performed regularly and correctly will ease and probably stop that issue, assuming it has been correctly diagnosed,

As the OP has now downloaded the Google Lens which is a FREE application. This can now be CLOSED

totally untrue and misleading. CLOSED. there is a pinned notice in the Support Forum.

Travel Forum - Moved

FINANCE - moved

Iconic Maya Bay Nestled in Thailand's Andaman Sea, the Phi Phi Islands are a tropical paradise renowned for their stunning landscapes, vibrant nightlife, and crystal-clear waters. Comprising six islands, with Phi Phi Don and Phi Phi Leh being the most famous, this destination offers a blend of relaxation and adventure that appeals to travelers worldwide. Why Visit the Phi Phi Islands? The allure of the Phi Phi Islands lies in their dramatic limestone cliffs, pristine beaches, and rich marine biodiversity. Whether you're seeking thrilling water sports, serene beach days, or lively nightlife, Phi Phi caters to all. Highlights include the iconic Maya Bay on Phi Phi Leh, made famous by the movie "The Beach," and the bustling Tonsai Village on Phi Phi Don, where visitors can immerse themselves in local culture and entertainment. Top Attractions and Activities Maya Bay: After a period of closure to aid ecological recovery, Maya Bay has reopened with measures to protect its environment. Visitors can now enjoy its beauty responsibly, with access regulated to preserve the area's natural charm. Snorkeling and Diving: The islands boast vibrant coral reefs teeming with marine life. Numerous dive shops offer excursions suitable for both beginners and experienced divers. Viewpoints: A hike to the Phi Phi Viewpoint rewards you with panoramic vistas of the islands, especially breathtaking at sunrise or sunset. Nightlife: Tonsai Village comes alive after dark with beach bars, fire shows, and music, providing a lively atmosphere for night owls. Accommodation Options Here are three notable places to stay on Phi Phi Island: SAii Phi Phi Island Village Phi Phi Don, Thailand A luxurious resort offering private villas, multiple dining options, and a 5-star PADI dive center, nestled amidst lush tropical surroundings. Saii Resorts Zeavola Resort Phi Phi Don, Thailand An eco-friendly resort designed as a traditional Thai village, providing barefoot luxury with spacious suites and direct beach access. Zeavola Phi Phi Harbour View Hotel Tonsai Bay, Phi Phi Don, Thailand A beachfront hotel with stunning bay views, offering modern amenities, a swimming pool, and close proximity to local attractions. Tripadvisor Dining Options Here are three notable dining spots on Phi Phi Island: Reggae Bar Tonsai Village, Phi Phi Don, Thailand A lively spot known for its energetic atmosphere, live music, and unique Muay Thai boxing matches, offering a variety of drinks and bar snacks. Unni's Restaurant Tonsai Village, Phi Phi Don, Thailand A popular eatery serving a fusion of Thai and Western dishes, renowned for its friendly service and vibrant ambiance. Anna's Restaurant Tonsai Village, Phi Phi Don, Thailand A cozy restaurant offering authentic Thai cuisine and international favorites, praised for its delicious food and welcoming staff. Getting There From Phuket: Regular ferry services operate from Rassada Pier in Phuket to Phi Phi Don, with a journey time of approximately two hours. From Krabi: Ferries depart from Klong Jirad Pier in Krabi Town, taking about 90 minutes to reach the islands. Speedboat Transfers: For a quicker journey, speedboat services are available from both Phuket and Krabi, reducing travel time significantly. Getting Around Phi Phi Don is free of motorised vehicles, making walking the primary mode of transportation. For longer distances or island-hopping, traditional longtail boats are readily available for hire. Travel Tips Best Time to Visit: The ideal period is between November and April, characterised by calm seas and pleasant weather. This aligns with the dry season on the Andaman Coast, offering optimal beach conditions. The Times Environmental Responsibility: Given the ecological challenges faced by the islands, visitors are encouraged to minimise their environmental impact by avoiding single-use plastics, respecting marine life, and adhering to designated tourist areas. The Phi Phi Islands offer a captivating blend of natural beauty, cultural experiences, and adventure, making them a must-visit destination for travellers seeking an unforgettable Thai island experience.

We have a Book thread running - MOVED

I find it interesting how the body goes into a maintenance-type mode when we sleep. It really makes you think about how important sleep is for our brains. It's wild to realise that when we don't get enough rest, it can seriously affect our cognitive functions and overall brain health. It’s not just about feeling tired the next day—there's so much more going on. Prioritising sleep is so crucial; it’s like our brain has its own cleaning crew working while we snooze! Maybe this is a good reminder for all of us to take our sleep hygiene seriously. Let’s make sure we're getting that quality sleep, not just for our daily energy but also for keeping our brains healthy in the long run.

Thailand offers high-quality, affordable healthcare, but how much does a doctor’s visit cost? For expats, the answer depends on whether you’re insured, with a significant difference in expenses. Let’s break down the costs and why securing health insurance before 2025 is a smart move. The cost of seeing a doctor without insurance If you don’t have health insurance, you’ll pay for medical services out of pocket. While costs are lower compared to Western countries, they can add up over time. ● General Practitioner (GP) visits: At public hospitals, you might pay 500 to 1,500 baht for a check-up. In private hospitals, the same visit could cost 1,500 to 2,500 baht or more. ● Specialists: Visiting a dermatologist, cardiologist, or other specialist starts around 1,500 baht and can exceed 5,000 baht in private clinics. ● Medical tests: Blood tests or x-rays cost 500 to 2,000 baht. Advanced diagnostics like MRIs could cost up to 15,000 baht or higher. ● Medication: While prescriptions in Thailand are generally inexpensive, chronic condition treatments can add up to several hundred baht per month. Recurring visits, emergencies, or specialised care can strain your finances without insurance. How insurance covers your medical expenses Having health insurance significantly reduces your out-of-pocket costs. Depending on your plan, many expenses are either fully covered or require only a small co-payment. ● GP consultations: A visit might cost you nothing or just a small co-pay of 200 to 500 baht. ● Specialist consultations: Most policies cover specialists entirely or require you to pay a percentage of the bill, often around 10-20%. ● Medical tests: Policies typically include coverage for tests like MRIs or CT scans, though some may set limits on the number or cost of annual diagnostics. ● Medication: Many policies cover prescriptions, especially for chronic conditions. This can save you thousands of baht annually. For instance, a GP visit costing 2,000 baht in a private hospital might only cost 300 baht with insurance. Long-term treatments or emergencies are where insurance really proves its value. Why health insurance in Thailand is a smart investment Health insurance doesn’t just save you money—it ensures access to high-quality care. Plans like Cigna’s offer coverage for GP visits, specialist consultations, hospital stays, and surgeries, as well as access to top-tier hospitals like Bumrungrad International. Service Without Insurance With Insurance GP consultation 2,000 baht 300 baht (co-pay) Specialist visit 5,000 baht 500 baht (co-pay) MRI scan 15,000 baht Covered entirely Yearly medication 12,000 baht Covered entirely Having insurance could save you tens of thousands of baht each year, especially for chronic conditions or major procedures. Last chance offer: 10% off for life! Hurry, this offer expires soon! Lock in your 10% lifetime discount now. T&Cs apply* Real-life savings: Tom's story Tom, an expat in Chiang Mai, recently needed medical attention for chest discomfort. He chose a private hospital, where a specialist consultation would have cost 5,000 baht. Thankfully, Tom’s insurance reduced this to a manageable 500 baht co-payment. When an MRI scan was recommended—a hefty 12,000 baht out-of-pocket expense—his policy covered the full amount. In total, Tom’s insurance saved him 16,500 baht, offering both financial relief and peace of mind. Why Thailand is a healthcare destination Thailand’s healthcare system attracts expats and medical tourists due to its affordability and quality. With world-class private hospitals, shorter waiting times, and lower costs compared to countries like the US or UK, it’s a reliable choice. However, emergencies or ongoing health needs without insurance can quickly become expensive. Act now: lock in 2024 insurance rates As 2025 approaches, insurance premiums are likely to rise. Locking in a policy before the year ends ensures you get this year’s rates, saving you from potential increases. Countdown until 2025: Only 1 day left! By choosing a health plan now, you’re securing not just your finances but your long-term health. Don’t wait—get covered before the new year! Last chance offer: 10% off for life! Hurry, this offer expires soon! Lock in your 10% lifetime discount now. T&Cs apply* By choosing a trusted plan, such as Cigna’s expat-friendly options, you can safeguard your finances and enjoy peace of mind. Don’t wait—secure your 2024 rates today and start 2025 with confidence. *Cigna Healthcare reserves the right to amend or withdraw a promotion at any time without notice. This discount will apply for the lifetime of the policy and is only eligible to new Cigna Global Individual customers. The discount may only be applied by a sales agent and cannot be applied in conjunction with any other offer, except the 10% discount given to policies paid annually in full. If you choose to pay your policy annually in full, your 10% discount will be applied after the 10% annual discount has been applied. Only Cigna Global Individual Policies are eligible for the 10% discount. A minimum purchase value of $2000 for policies based in Europe is applicable. Policies based in the rest of the world require a minimum purchase value of $3000 to be eligible. Summary of original article by The Thaiger

Banking Forum moved

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Are you referring to "bedlam" It was renamed "The Lounge" and is here.... https://aseannow.com/forum/47-the-lounge/

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Koh Lipe, a gem in Thailand's Andaman Sea, is renowned for its pristine beaches, crystal-clear waters, and vibrant marine life. Located in Satun Province, near the Malaysian border, this small island is part of the Adang-Rawi Archipelago and lies on the outskirts of the Tarutao National Marine Park. Why Visit Koh Lipe? Koh Lipe offers a tranquil escape from bustling tourist spots, making it a haven for travelers seeking relaxation and adventure. Its white sandy beaches, excellent snorkeling and diving sites, and charming local culture provide a well-rounded tropical experience. Top Attractions Sunrise Beach (Hat Chao Ley): Facing east, this beach is perfect for early risers looking to catch a breathtaking sunrise. The calm waters are ideal for swimming and snorkeling. Sunset Beach (Hat Pramong): As the name suggests, it's the go-to spot for stunning sunsets. This quieter beach offers a serene atmosphere, away from the island's more developed areas. Pattaya Beach: The island's main beach, bustling with activity. Here, you'll find numerous restaurants, bars, and accommodations. It's also the primary arrival point for visitors. Dining Options Koh Lipe boasts a variety of dining experiences, from local Thai cuisine to international dishes. Elephant Cafe & Bar – A popular spot offering a variety of dishes, including vegan and vegetarian options, with a groovy atmosphere. Instagram Bombay Indian Restaurant Ko Lipe – Renowned for its authentic Indian cuisine, this restaurant is a favorite among visitors seeking flavorful meals. Tripadvisor On The Rocks Restaurant – Part of the Serendipity Resort, this dining spot offers a mix of Thai and Western dishes with stunning views. Activities Snorkeling and Diving: The island is surrounded by vibrant coral reefs teeming with marine life, making it a paradise for snorkelers and divers. Popular spots include the areas around Koh Usen and Koh Kra. Island Hopping: Take a longtail boat to nearby islands like Koh Adang and Koh Rawi for hiking, snorkeling, and exploring secluded beaches. Walking Street: In the evenings, stroll through Walking Street, a bustling area filled with shops, eateries, and bars, offering a lively nightlife scene. Accommodation Koh Lipe offers a range of accommodations to suit different budgets and preferences. Ananya Lipe Resort – A 5-star beachfront resort offering luxury accommodations with excellent service and comprehensive facilities. Ananya Lipe The Cliff Lipe – Known for its stunning views and great service, this resort provides a serene environment for travelers. Tripadvisor Idyllic Concept Resort – A popular choice among travelers, offering modern amenities and proximity to the beach. Tripadvisor Getting There From Mainland Thailand: The most common route is via Pak Bara Pier in Satun Province. Speedboats operate year-round, with increased frequency during the high season (October to June). From Langkawi, Malaysia: Ferries run between Langkawi and Koh Lipe from mid-October to mid-May, taking about 1.5 hours. Note that services may be limited during the low season. Getting Around Koh Lipe is small enough to explore on foot. For quicker transit, motorbike taxis are available at a flat rate of around 100 THB. Additionally, longtail boats can be hired for trips to nearby beaches and islands. Travel Tips Best Time to Visit: The ideal period is during the dry season, from November to April, when the weather is pleasant, and all services are operational. Environmental Responsibility: As tourism grows, so do environmental concerns. Visitors are encouraged to minimize waste, avoid single-use plastics, and respect local wildlife to help preserve the island's natural beauty. Koh Lipe's blend of natural beauty and laid-back charm makes it a must-visit destination for those exploring Thailand's southern islands. Dec-2024

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The Double-Edged Sword of Cortisol Cortisol often receives negative attention, typically branded as the "stress hormone." This steroid hormone plays a crucial role in the body’s ability to manage stress. However, many people remain unaware of the signs of elevated cortisol levels and what they might signify. Recognising Elevated Cortisol Levels You may have encountered social media trends that equate certain physical features, like facial puffiness, with high cortisol, often referred to as "cortisol face" or "moon face." These viral portrayals have sparked curiosity and concern, but they may not paint the complete picture. Experts emphasize understanding cortisol's broader role in health. According to Dr. Jeannette M. Bennett, an associate professor in psychological science at the University of North Carolina at Charlotte, cortisol is vital for regulating inflammation and supporting immune function. It helps us fend off illnesses by managing the body's responses to toxins and pathogens. This hormone also has significant effects on metabolism, blood pressure, blood sugar regulation, and the sleep-wake cycle. As Dr. Nia Fogelman, associate research scientist at the Yale Stress Center, points out, cortisol enables the body to respond effectively to immediate dangers, providing the energy needed for fight-or-flight responses. However, certain medical conditions can lead to abnormal cortisol levels, either too high or too low, such as Cushing’s syndrome or Addison's disease. Identifying Symptoms of High Cortisol Elevated cortisol levels don’t manifest through a single, obvious symptom, making them tricky to pinpoint. Nonetheless, there are several signs to watch for, including: Sleep Disturbances**: Difficulty falling asleep or frequent awakenings can be indicative of high cortisol levels, though the relationship remains unclear. Physical Changes**: Symptoms such as weight gain around the face and abdomen, increased hair growth, fat accumulation between the shoulders, and the appearance of purplish stretch marks may occur. Mood Swings**: Increased irritability or overreacting to minor annoyances can signal high cortisol levels. Food Cravings**: A strong desire for sugary, salty, and fatty foods can be a coping mechanism for underlying stress. Persistent Fatigue**: Increased fatigue, headaches, and muscle weakness may also hint at elevated cortisol levels, particularly in the arms and thighs. Hidden Issues**: High blood pressure, elevated blood sugar, and bone fragility are silent symptoms that require medical diagnosis. Understanding the Root Causes of High Cortisol Several factors can lead to heightened cortisol levels: Chronic Stress**: Unlike temporary stress, chronic stress can keep cortisol levels elevated long after a stressor has passed. Chronic stress may result from traumatic events or ongoing pressures in one’s personal or professional life. *Mental Health Issues**: Conditions such as chronic alcohol abuse, depression, and anxiety can similarly elevate cortisol levels. Cushing’s Syndrome**: This rare condition results from prolonged high cortisol levels and can lead to serious complications, including diabetes and bone loss. It may arise from high doses of corticosteroid medications or specific tumors that induce excess hormone production. When and How to Test Cortisol Levels Cortisol testing is not routinely done during medical check-ups, and there currently aren’t any at-home tests available to assess cortisol levels. Most healthcare providers only recommend testing for cortisol if there are symptoms indicative of conditions like Cushing’s syndrome. If you experience symptoms linked to high cortisol, your doctor may suggest conducting tests to investigate further. Keeping track of your stressors and observable symptoms can help guide this conversation. Noticing that your symptoms worsen with increased stressors might indicate you're not dealing with chronically elevated cortisol. Several methods exist for testing cortisol levels, and they often involve multiple assessments due to natural fluctuations in cortisol throughout the day. These methods include: Blood Tests**: Useful for diagnosing adrenal insufficiency and Cushing’s syndrome, but the timing of tests is crucial. ACTH Stimulation Test**: Measures how well the adrenal glands respond to ACTH, requiring blood samples before and after an injection. Urine Tests**: A 24-hour urine collection can be used to screen for Cushing’s syndrome. Saliva Tests**: These are often done at home and can help identify risk for Cushing’s syndrome. What Constitutes Normal Cortisol Levels? Cortisol levels are typically highest in the morning and decline throughout the day, reaching their lowest point around midnight. The interpretation of cortisol levels depends on the specific tests performed. It is essential to discuss test results with your doctor, who can help determine if your levels fall within a healthy range or indicate potential health issues. The Importance of Awareness Cortisol is integral to our body’s response to stress and various essential functions. However, persistently high levels can lead to multiple health concerns, including fatigue, weight gain, and mood fluctuations. If you suspect your cortisol levels may be elevated, it is advisable to consult your physician for evaluation and possible testing.

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