Sheryl

I do nto think having Bumrungrad submit a request for a GOP would be a problem if you later went elsewhere. Either the hospital & insurer together will hammer out an acceptable rate or they won't. If they don't, no problem with trying again at another hospital IF the issue was cost (as opposed to medical necessity).

This is a still investigational drug not yet registered for use outside if research settings anywhere in the world much less Thailand. Assuming all goes well during the final stages of its clinical trials (currently underway) it will probably submit for approvsl in US and Europe some time in 2024 /2025.

The Thai Revenue Dept has clearly said that: 1. Savings transferred into Thailand are nto taxable if the income was earned prior to becoming a Thai resident. 2. the terms of DTAs will be respected. Which means that some foreign transfers will be subject to tax but certainly not all.

it comes into effect on 1 January 2024. Monies remitted from that time onward will not automatically be exempt just because it was remitted in a different year than earned. if it was earned after you became a Thai tax resident, even if in a prior year, then it is taxable unless exempted under the terms of your country's DTA with Thailand. Should note that DTAs, broadly speaking, can do 2 things: (1) they may exempt specific types of income from taxation in one of the two countries (example: US Social Security, UK Government (but not State) pensions) and (2) they provide relief from double taxation: if you have income taxable in both countries, any tax paid in one can serve as a credit to reduce tax in the other. The first filing period in which this would apply would be 1st quarter 2025. It remains to be seen if there will be any change to tax forms etc to enable people to declare remittance source. Savings that were earned prior to becoming a Thai tax resident are exempt. Unknown at this point how one would declare that if required to file. There have been no changes to filing requirements i.e. it remains the case that you are nto required to file if you owe no tax.

"OK then look at this scenario when I had the medical the doctor found blood in my stool, and examination of the blood suggested it was caused by hemerroids and there was nothing to worry about. Hence I did not worry about the possibility that ------- Health would change my policy. Hence when I did not receive notification of endorsement I thought everything was OK .....When I was told about the endorsement two years premiums had been paid and I was told I could cancel but I would not be refunded the money" If I understand you correctly, on policy renewal they added an exclusion that was not in the original policy based on new finding. Unfortunately this is something Thai insurers are allowed to do, one of several reasons why I always recommend against Thai based policies. If by "would not be refunded the money" you mean for the prior two years, of course not as that period has passed and you were insured (without endorsement) during it. If you mean that you want a refund of the current new period for which you have already paid (example: you paid for coverage for 1 year and you are now just 1-2 months into that 12 month period) that should be refundable.

If (as it sounds) there is a medical need, the "30 baht" scheme should cover it. Whether or not Vachira can do what is needed, you would have to consult there to find out.

None of the brokers in Thailand can handle an international policy. That is the whole issue and why AA stopped doing it. I selected AOC just based on an internet search for brokers based in France (most likely to have dealings with April) who specialize in international policies and they were the only one which came up. Haven't yet had a claim so can't say much more than that. It is not difficult to communicate via email and Whats App.

Dental is different, little is covered by way of dental. Medical care including medications is all free, exception being if you require a drug not on the government essential medicines list (usually these are very new drugs not yet available in generic).

Still available but has to be elected within 6 months of stopping work. Some upcountry offices do not understand the process well and give wrong info on it (telling people not possible etc), if this happens call the head office. @OneMoreFarang If you pay out of pocket, get your meds at a pharmacy, most do not require a prescription (and Thailand does not really have a prescription system as such). The cost difference is huge compared to private hospitals as these substantially mark up medications. Not usually the case with government hospitals though. You can certainly get tests, treatment and medications at your nominated SS hospital, all free. The main glitch would come of you were on a new medication not currently covered by SS. The other consideration is the quality of your nominated SS hospital as all care must be gotten there (or at a hospital they refer you to). You do have a choice of hospital, and you can change hospitals at certain times of the year, and it is worth putting some thought into this.

I take it then that what you have is "Government" pension and not the State Old Age Pension? If so then to my understanding it is exempt from taxation in Thailand so if this is ghe only thing you remit, you owe no tax and under current rules are not required to file. I am in same category, in my case because my only incoming is US Social Security. Again there have been no changes to reporting requirements. Just keep an eye on future developments.

The new rule does not alter reporting requirements. The only change us that remitting funds to Thailand in a different year than they were earned no longer automatically protects that remittance from taxation. This change comes into effect 1 January. If your pension is directly remitted then your tax liability, if any, is same as ever. As I understand it, filing a tax return is required if you owe any tax which means you have 160k baht or more of taxable income. Read your applicable DTA carefully to determine if you fall into that category.

A post contravening community standards has been removed. @AC_Eddie as other poster said you can hire a live in nurse but someone would need to oversee this arrangement and supervise to ensure nurse is doing her job. At 84 with kidney failure the prognisis is poor. I would frankly recommend your wife return to Thailand. It may not be for that long and she may regret it if she doesn't go.

It is not Social Security. That is a totally differentsystem based on contributions while employed (and it does include s small pendmsion benefit). For a couple of years now elderly Thais with no or very very low other income are eligible for a 600 baht a month allowance from government. This always has been limited to the poir and is entirely separate ftom the Thai SS system.

I thought you said the issue was that you had canceled the policy and wanted a refund?? An insurer has the right to exclude conditions and/or request additional docunentation as they see fit. Up to you to acce0t or reject the policy offered. I don't see anything OIC could address here. They mainly just insure fhat terms of the policy are respected.

Some of the international hospitals offer various genetic testing packages, you would have to contact them to see what tests are included in each. It will be extremely costly. https://www.bnhhospital.com/package-promotion/genomics-screening https://www.bumrungrad.com/en/centers/preventive-genomics-integrative-medicine https://www.samitivejhospitals.com/package/detail/genetic-screening-by-age?gclid=CjwKCAiAxreqBhAxEiwAfGfndKqoREHG70f-d1QjZgHO-P3KYo4GjXN3foRHnYH6xcmfaXEnPN3slRoCe8QQAvD_BwE

Can't say re Pattaya but yoy can get it for 5,590 baht here in Bangkok https://www.medconsultasia.com/vaccinations/ Or 5,199 here https://www.thaitravelclinic.com/cost.html

Sher took a course in it and initially did it buddied up with a Thai dermatologist. Has been doing it solo for about 2 years. Last time I went (last Saturday) I was the 4th or so thread lift case that day alone. She does a lot of them. You do need an appointment and as lately it is pretty crowded suggest weekday if possible.

No guarantee I'll be able to get in when I need to, though. Tgis was just a trial run. Incidentally I never did re-register (all attempts were rejected because 'email already registered"). So it seems my prior registration somehow migrated to new system. I just updated profile to include gender that being the only new field. However it took innumerable attempts to get in to do this as it kept just going back to the log in page.

Andriol testcaps is the brand name of the product available in Thailand. It does indeed do a liver pass and this is ceryainly a downside, and why most people use injectable or dermal route.

Personally I go to Dr. Donna at Medconsult. https://www.medconsultasia.com/what-is-a-thread-lift/ Currently charging just 2,500 baht per thread though I think that is a timebound promotion. She has done thread lifts for me twice, pleased both times with outcome. Lasts 1-2 years. I also go to her for filler and botox. Often a combo of all 3 is needed for best results. Thread lift as the name implies lifts things upward. Botox on the other hand is good for lines, especially on the forehead and crowsfeet. Filler helps restore facial volume and to some extent can lift things up when applied to say cheekbone area.

oral capsules. Andriol testocaps is the exact name.

I suggest you consult https://www.bumrungrad.com/en/doctors/saowaros-patarapak She is in great demand so may be a bit of a wait to get appointment but she is worth it While tinnitus can be chronic, when associated with hearing loss, correcting the hearing loss will often improve the tinnitus. Sometimes it even eliminates it. So tretaing your hearing loss would be first priority. BTW there is a new devise for tinnitus available in Europe, UK and just approved recently in US. As it involves wearing padded earphones may not be ideal for when walking about but can be useful if tinnitus is disturbing sleep as is often the case. Not yet available in Thailand but I expect will be eventually. https://www.lenire.com/

You did not pay tax. You filed a tax return and no tax was assessed. To claim a tax credit, there has to be an amount paid. (I suppose you could out "0" under tax credit but that amounts to same thing). There are 2 ways that terms of a DTA can help one with Thai taxes: 1. Exemption - some DTAs state that some income sources cannot be taxed in Thailand, only in the state of nationality. Not the case for UK State Pension apparently (but is the case for UK Government pension). 2. Tax credit - your Thai tax can be decreased by amount of tax already paid in your home country. Which in your case is none. So no decrease.

Again you are referring to what income is exempt. Tax credit applies when income is not exempt.

Per the recent RD Q&A posting it would depend on whether you were tax resident in Thailand at the time this money was originally earned. If the saving is from income earned before you became tax resident in Thailand then per the RD it is not taxable in Thailand. Now how the RD would know when savings were earned, and what if any substantiation you would need to show to prove this I have no idea.