Sheryl

It sounds like you only looked into Thai companies, and not very professional ones at that. These will have been "moratorium" based policies rather than "full medical underwriting". With these -- and especially with these from a Thai company -- there is no telling what conditions will actually be covered as the insurer is, in effect, reserving the right to decide later on if something was related to a pre-exsiting condition. There are plenty of internationally based expatriate policies available (though fewer if he is already aged over 65) that will cover him in Thailand. These will require a detailed medical history.

To donate blood in Thailand you need to be under the age of 60 (those who have donated before that age can continue to donate up to age 70). There are various specific factors which disqualify or have a waiting period for donation, detailed here https://blooddonationthai.com/en/whocangiveblood/ @advancebooking your ferritin level is only slightly elevated, likely due to unnecessary iron supplementation, and would not be making you feel unwell. Donating blood is not going to change how you feel except possibly through power of suggestion.

Not available in Thailand. In fact as far as I know not yet available anywhere for general use, still in investigational stages.

Nonsensical and off topic posts have been removed. This is the Health forum, not Pub. There are a variety of GI viruses in Thailand. In addition some respiratory viruses may be accompanied by diarrhea. More information (how long ill? Fever? etc) would be needed to comment further.

You cannot get SS. It is only available to people employed in the Thai private sector (and retired persons formerly employed). It is also nto that much different from the "30 baht" scheme which your wife will have, but which you cannot get. I would hardly call the "30 baht" scheme "rather basic". It is quote comprehensive. The main limitation is that she has to use only the government hospital which covers the area where she lives, or a higher level facility that it refers her to. It therefore makes sense to choose where you live very carefully. Try to be in the catchment area of at least a regional level government hospital. For you -- how old are you? Do you have any pre-existing conditions?

Please do not make duplicate posts in multiple topics. I have removed your other post. Ethosuximide is the preferred drug for absence seizures in children, and is indeed not available in Thailand. Valproate is available here but has a higher rate of adverse effects in children. See https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6464603/ Regarding the Valtoco, that is just a nasal spray form of diazepam and regular diazepam is available here. I would frankly reconsider the move if I were you. If you do move here, I recommend it be to Bangkok or its outskirts as you will have access there to specialists in pediatric neuroology. There are not very many of them in Thailand.

I get items from iHerb via local post all the time, works fine and prompt. I would assume 90 day supply would mean 90 tablets. Shipping costs for that option are low.

I think the issue may have more to do with your broker than with the insurer. "age of thew insured, zones of cover and formulas chosen" are all known factors specific to you and your policy. It is true that no insurer can tell you in advance exactly what rates will be a year hence since there are inflationary adjustments each year. But they can tell you what the rates are, by age, currently and from that you can get an idea of how much more increase is likely as you age. A good broker could readily get that info for you.

Sorry you are right, I was thinking of Pacific Prime. Pacific Cross is indeed an insurer. And they do raise rates based on claims history. Possible that the Thai OIC told them not to do it to the extreme level they had been, but they are still allowed to do so (I think up to a 25% raise per year).

Most international inpatient policies also cover outpatient cancer care and often dialysis too. Also day surgeries. to add on other outpatient would almost double premoum cost.

Pacific Cross is not an insurance company, they are a broker. The Thai regulating body, the OIC, not only allows rates to be raised based on claims history but actually mandates that this be a clause in all insurance contracts. Something wring in the info your were given.Not correct.

The tax form is not where a change in filing requirements would usually appear. As to what the changes/updates to the tax form will be, time will tell. Perhaps make it easier to claim a tax credit for taxes paid to another country...but that is just a guess.

When you say dizzy in the morning do you mean continually dizzy or just dizzy as/right after getting up from bed? Do you monitor your blood pressure/ know what it is?

Why? There has been absolutely no change in filing requirements. There has been a change in one single resowct regarding what is assessable income. No chabge at all regarding obligation to file if one has no assessable income. People are reading into this one change in regulation a host of implications that simply are not there.

Are you on any medications?

No argument with either of these points. What I was responding to was the completely unnececessary anxiety among some that they might, somehow, be in trouble for failing to file when they had no accessible income. There is absolutely NO requirement to file if you have no assessable income (or assessable income less than 120k baht for the year, 60K if interest income). And AFAIK no way to indicate on a filing that income is non-assessable and exempt thereby. It is not the intention of these forms to provide a format for showing your income is non-assessable. The forms are designed for declaring assessable income. A person will only cause unnecessary (and considerable) problems for themself by filing in that circumstance. Of course, the burden of being sure y income is not asessable rests with the individual.

Why should the Thai RD confirm anything to the BOI? This was a Riyal Proclamation and thus binding on both BOI and RD alike. RD does nto have the authority to override it.

It is completely wrong to characterize the new regulation as a "tax the expats scheme". Not remotely the intent or motive.

There is no place on a Thai tax return for "proving" this. Nor for declaring non-assessable income. Only assessable income is to be declared. (There are ways to show a tax credit for taxes already paid in your home country, but that is a different matter) By law you do not need to file unless you have Assessable income above 120,000 baht a year. And under law, there are no penalties to failing to file if no tax was owed.

You do not want a Thai based insurer, very bad record for actually paying out, and few will issue a new policy at your age. The few who do, have blanket exclusions for many of the common problems associated with aging. And, they will raise your rates on an individual basis after every large claim, something international companies are nto allowed to do. Also, rates at older ages exceed those of international policies.

First of all, rates increase in 5 year age brackets so if you just experienced a big increase, you likely won't again for another 5 years.(A big increase I mean, there may be smaller increases for inflation). It counds like you have Cigna Close Care which is already their least expensive policy. But you can certainly further decrease your premium by upping the deductible and/or adding a copay option. Go on to their website and play around with options (warning: do not put your real phone number and email address, you will inundated with calls fro sales agents). Note that the copay options all have a cap as to how much in a year you can possibly be out of pocket. You can also save 10% by paying annually instead of monthly, if able to do so. The problem with relying on return to the UK is that in an emergency you may not be stable enough to travel. (And, as we saw during COVID, other unexpected things can make travel impossible for prolonged periods of time). Additionally, in a non-emergency there may be issues about getting access to NHS unless you have maintained a UK address registration with a GP there. Otherwise may have to prove an intention to permanently return to get free NHS care. As for planning to just use government hospitals, even they can yield bills well over 1 million baht per hospitalization if it is something really major and/or specialized. If you cannot afford a higher deductible and copay then unfortunately you also cannot afford to be uninsured. In which case might need to reconsider saying in Thailand, sorry to say. I'd start by figuring out what the absolute maximum you could possibly pay out of pocket for a serious hospitalization is, them play around with deductible and copay options to see what it does to your premiums.

More threads on this than I can begin to count go to https://www.google.com/search?client=firefox-b-d&q=site%3Aaseannow.com+CPAP

Avaialbilty on Lazada or Shoppee fluctuate. Note just for melatonin but for all "supplements" sourced form abroad. Does not necessarily reflect any new policy or rule. You can always get it from iHerb, reliable and fast. (i.e. about 10 days for delivery) https://www.iherb.com/

There are many online tax experts saying this in varying ways. Even for people with clealry assessable income (e.g. people employed in Thailand) , they are nto required to file if it is below the threshold for paying taxes https://taxsummaries.pwc.com/thailand/individual/tax-administration There is not a single place where the RD states that every tax resident must file a tax return regardless of whether they have asessable income/owe taxes. By contrast the RD states (English translation) "You have to file a return on the income that you received if you meet one of the following conditions: (1) Your total income exceeded 120,000 baht in the tax year. (2) You were married and your income combined with that of your spouse exceeded 220,000 baht in the tax year." https://www.rd.go.th/fileadmin/download/english_form/030265guide91.pdf This is understood to mean assessable income. I addition, penalties under the RD code all refer to failure to declare assessable income or pay taxes, nowhere is there a penalty for failing to file when no tax was due. Anywhere in the world, absence of a law against = not illegal. It is not the case that there must be a law or regulation for everything that is legal to do, it works in the opposite.

Not so. It is up to the payee to decide whether to have tax withheld ..and if so, how much (there is a form for this). Some people chose to have tax withheld from each check, , some do not. Of course, if one does not have anything withheld and ends up owing tax, there can be a late payment penalty unless one made estimated tax payments during the year. Many people whose sole income is SS end up owing not tax, hence many opt to have no withholding. Some also opt to have no tax withheld for other reasons. For example, until recently I had self-employment income (work done abroad, not in Thailand) so had to make estimated tax payments anyhow, so I opted to have no witholding on either my SS or my (small) government pension.