bradiston

Almost complete nonsense. The beaches are full of trash despite the best efforts of Trash Heroes, made up of mainly expats with a few Thais, but mostly because of the lack of any coordinated clean up campaign from the local authority, land owners and TAT, plus there is a MAJOR sandfly problem on the beaches. They've been pushing this low carbon destination for 10 years now. It's a tiny island, 16 sq km, but mostly the "low carbon" campaigns are to do with milking grants from central government. They tried to set up a recycling plant. It lasted a year or two, then it was back to burying/burning everything. There used to be a couple of places you could take your plastic bottles, run by locals, who shipped them all to the mainland. That system worked well. But there's only one left and his place is a junkyard. Some resort owners simply dump all their waste on land they've acquired especially for that purpose. In one instance, it's the first thing you see on arrival. When challenged, the answer is the usual "it's my land, I can do what I want with it". There are successful initiatives though. Trash Heroes for one, which runs on most Thai islands, on a voluntary basis. No funding apart from enlightened locals. There's a coral planting enterprise run entirely by locals which I believe had had a lot of success. There's even a solar powered boat and some solar powered street lighting. Electricity used to be generated on the island but now comes via a cable from the mainland via Koh Kood. Koh Mak used to be a back packers' paradise. But like most places in Thailand has overwhelming ambitions to move upmarket. The fact is, there's very little there and parents with children have a nightmare keeping their kids off the beaches for fear of them being bitten to death by sandflies. Just my 2 satang worth.

It seems PAI is a complete waste of money if you're thinking of insuring yourself against what I had in mind, which was hip replacement in the event of slipping over and breaking same. Prices in Thailand start at $7500 and go all the way up to $30,000, and beyond. The typical coverage for PAI medical expenses is 100,000 THB, maybe 200,000 and somebody here quoted 250,000, but it's based on age. 100,000 is a complete joke. 300,000 THB, $7,500, at the very minimum. I see $4500 as being a typical price in Türkiye. So much for medical hubs. I'm going to start over on this. Seems I've been deluded.

I didn't see anywhere a reference to broken bone cover. Is it included in tour policy? Or just loss of sight, two feet, head, foot etc? Murder? Fine, but I'm interested in fixing a broken hip.

Thanks for all the helpful responses. I've decided to stay with my current insurer, Allianz Ayudhaya. It seems as good as it gets for my age group, 70+, (for whom there isn't much choice), covers my biggest fear, which is broken bones from, for instance, slipping over on wet tiles wherever they are, and let's face it, they're everywhere, and has medical expenses up to 100k. Not as good as AXA, but AXA won't insure above 70. Plus, the broker I use (I don't think Allianz will deal direct) is quite responsive and does answer my questions as best she can in decent English, which is asking, and getting, a lot. Some policies I've seen are just scandalous. 50k for loss of sight? Murdered? No problem. The beneficiary gets 20k! They're having a laugh aren't they? It just beggars belief!

Broken bone coverage? And what is 2.4000.000.- THB? And does the 45 in Happy 45 have age connotations?

Correct me if I'm wrong but is this not life insurance? It makes no mention of broken bones, fractured skull, dislocations etc etc. This is very typical of Thai PAI. What happens if you slip over in the bathroom and break your hip?

Medical expenses 100k per accident

Agreed. Trying to get clarification is extremely difficult. I think it's 500k in any year maximum cover across all claims. So not 500k per claim.

It was 6700, but now they're quoting 9100. Like all pai I've seen here, it's linked to life insurance, and rather grisly physical damage - dismemberment and the like. But it does over motorbike accidents as both rider and pillion upto 250k I think. The maximum cover is 500k pa but then there's a sliding scale of percentages per particular accident. There's a section for broken bone cover, where they give an example of broken hip only attracting 60% of the 500k, all the way down to 10 or 15% for various other breakages. I'm chasing the broker for clarifications and an English version (I have an old one) of their Ts & Cs. I use AXA for house insurance. I don't think they go above 70 for pai. I contacted Wrlife. Remember them? - as I have med insurance with them and they have an option they say is for pai, but it turns out it's just life. It was suggested I buy outpatient cover instead!

Has anyone had any success obtaining this in Thailand? I have a policy with Allianz but it only goes to 500k coverage. I'm really interested in covering an accident like slipping over in the bathroom and breaking a hip. The Allianz policy does go some ways to covering this, but seems to limit the cover to 60% of the maximum. TIA.

I saw them advertised here on the forum and have had so far fairly positive feedback from them. But I was just wondering if any member(s) have had any dealings with them. My slight worry is, I can't find any reviews online, but that may be just because people tend to register complaints rather than praise. I'm not in any way pushing this company. Just doing a bit of due diligence. TIA.

Trying to figure out best way to DMK from Pattaya, excluding taxis (Cheap Charlie Travel). So far, I've got: 1. Bus to Ekamai (or hop off at first BTS stop), BTS to Wat Phra Sri Mahatat, then bus to DMK. I'm not sure about this bus. Any pointers? https://www.rome2rio.com/map/Pattaya/Don-Muang-Airport-DMK#r/Bus-BTS/s/4 Or 2. Bus to Ekamai (as above), Asok, MRT to Bang Seu, Bang Seu to DMK on red line. Only 7 kg of luggage on wheels. Any experience of these, or other suggestions. I need an early bus from Pattaya, 1100 flight, so BKK airport bus not an option. TIA.