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Pinot

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Posts posted by Pinot

  1. I'll be picking up a new Honda PCX Hybrid at the end of the month (99900b) but have never driven one. Can new owners give me their driving impressions? I expect the bike to have more power off the line where the electric motor kicks in. 

     

    Thanks

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  2. Airbnb is illegal in LOS but it's not enforced. I wouldn't be happy if I bought a condo (never going to happen) and new neighbors every few days. Rentals have to be 30 days in Thailand. 

     

    If the hotel association ever got their act together they could eliminate the Airbnb competition. 

     

    I was scammed on a four-night stay in BKK. I thought I rented an apartment and it turned out to be a tiny studio. Airbnb would do nothing and when I wrote up a damning review they wrote me up as a terrible guest and now some people won't rent to me because of it. Beware.

     

    I use Airbnb in Europe where I travel a couple months a year. 

  3. As above, it's not required, but IMHO it will be in the future. The 400/40 policies which was going to be required is a good minimal healthcare policy. I bought one for a couple of reasons. 

    1. The policies have to be bought before you're 70 years of age. (I'll turn 70 this year)

    2. It's a good minimal healthcare policy at a good price. ($1500 USD) I'm saving 2/3 over my previous policy healthcare policy which the premium was rising 10% a year and was going to end when I'm 75 anyway. This new policy will not be cancelled at any age and policy premium increases are minimal. 

     

    I don't like the fact that I have to go to Thai Public hospitals but there are some good ones and should be adequate.

    • Like 1
  4. Just now, wgdanson said:

    I just did Cigna Close Care at 71. No medical needed. up to Bht 12M cover. Prostate excluded. Direct billing in many hospitals. No excess. Bht 125,000 premium. I have peace of mind...................but lower bank balance. 

    I think you were lucky to find that, there aren't many. How much do the premiums increase yearly. My previous plan was increasing 10% a year. Also when do they stop insuring you? My previous one was 75. Both are important factors.

     

    The increases of the Regency where minimal but I don't remember what they said. Recency will not cancel the policy for age. 

     

    This 400/40 is not a great Medical policy but I felt I could supplement (upgrade room for instance instead of a ward) and be treated at the best government hospital if need be by flying to it. Since I knew they were going to cut me off in 6 years with a rapidly escalating yearly premiums I decided to make a change. 

     

    It's also an alternative to self insuring. 

  5. On 9/5/2019 at 10:27 AM, wgdanson said:

    I did read that they are proposing to double the charges for farangs in Government Hospitals. 

    I have been to several of those places with family members, and would not want to have to stay or be treated for anything serious in one. 

    Plenty of good ones around, some not so good ones.

     

    1 hour ago, zhorik said:

    so are you stating that there are no policies for the over 70's? If there are then what will the costs be for a 400/40?

    There maybe some but I didn't find any. The cut off for signing up for all of them would seem to be 70

  6. On 8/28/2019 at 6:00 AM, stament said:

    How much is the Regency policy you didn't say. Presumably this claim wouldn't be fully covered under Regency, was it in a private hospital for 330k?

    With the 400/40 policy you have to go to a government hospital. 

     

    I just paid for the policy yesterday to start October 1. No more Bangkok hospital. The price was $1495 in USD, a bargain at 69 years old. Can't believe outpatient is covered including medication. The policy is $3000 less than what I'm paying now although I am stepping down from $2,000,000 coverage, a big step down.

  7. Both Pacific Health and Regency includes 40k of inpatient coverage. I believe the Thai government told the insurance companies to write policies that way.

     

    Other insurance policies have expensive inpatient coverage that don't seem to be worth it. I find seeing a Doctor in Thailand to be about what the deductible is in the US, so a bargain. 

     

    I was offering cataracts as a fairly common procedure. 

     

     

    11 hours ago, Sheryl said:

     

    if you already have a cataract, even an early one, it will not be covered as it would be a pre-existing condition.

     

    Inclusion of outpatient coverage substantially increases premiums, often as much as 3 fold. Usually buy more than you would use.

     

  8. 12 hours ago, Sheryl said:

    1. This is going to be required for issuance of O-A visas (obtained in your home country) and is already required for O-X visa. To date there has been no mention of it being required for incountry extensions of stay which is what most of us are on.

     

    2. For the O-X visa (and soon, but not yet, the O-A visa) 400k and 40k are not the maximums but the minimums.

     

    The O-X visa requires an insurance policy from one of a handful of Thai companies, and these are very bad value.  It has been said that the O-A requirement, when it comes online, will accept any policy (including international ones) that meets the minimum requirements but this is nto sure and details nto yet issued. I have no idea, given the complexity of insurance policies, how Thai Embassies and consulates would go about determining if a given policy met the requirements.

    The Regency rep tells me that I will be given a document saying I have the 400/40 policy if asked. I'm betting that this doc will eventually be required. I didn't want to wait till I was over 70 and could no longer buy a policy. It's a good minimal (basic?) insurance policy for older expats going into their 70's.

     

    I recently had an operation for varicose veins in my legs at Bangkok Hospital in Phuket. This involved plugging up the offending veins with glue, the "new" way to accomplish this procedure. The cost of the operation was 330,000 baht that insurance paid fully. That's why I want insurance.

     

    Probably cataract surgery will be eventually be needed. That cost will more than make up for insurance policy costs. 

     

    The outpatient coverage will reduce the cost of the policy. I'm usually seeing a doctor a couple times a year for one thing or another. Not looking forward to using a government hospital but so it goes. You can go to any of them anywhere in Thailand. There are some good ones.   

  9. You can't really effectively manage currency exchange. By the time you make a move the currency has already moved. This is what forex money trading is all about and it's difficult to make money that way. I'd say don't waste your time. Very few people can time the market...really, no one can. 

     

    And Lacessit above me here, buying gold is always speculation. My opinion is your crazy to own gold. 

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