Sheryl

As I understand it Chubb bought out only Cigna's health and life jnsurance in Thailand and some other countries and there remains a Global Cigna expat policy isfmsued out of UK. OP should check with a good broker to sort this out.

You have to create an account. No idea why you cannot but note that membership is restricted to health professionals. As others have said Vivacor is just a different imported brand name for Rosuvastatin. Therd are also locally made versions which usually cost less.

It sounds like you refer to Cigna Thailand not Cignal Global. Or have you not taken into accojnt hhe cover for emergency care when travelling? Cigna offers both deductible and copay options which reduce premiums. And their premiums at older ages do not rise as dramatically as PC. Be sure to look at premiums for the age bands above yours. And remember the additional 25% increases after large claims in addition to age rtlated increases. In the long run this policy will cost you far more and in addition -- and this to me is a clincher -- will not cover you for any chronic illness you develop beyond the initial years claim (and in the case of cancer, cover you even at first claim only up up 100k which in your case is 0 cover since less than your deductible). At which point you are also unabld to get a different policy. Since you are planning to live out your old age in Thailand you may well (in fact probably will) end up with a policy that has become completely unaffordable and does not cover your health conditions (cancer, heart disease, kidney disease, stroke to name just a few things that would be excluded aferr first year of claims and have a high chance of occurring in old age). This is all clearly spelled out in the policy terms. These are not policies suitable for growing old in Thailand. Better for younger people here temporarily.

I suggest you contact Cigna Global as it seems what you had was not Cigna Global but Cigna Thailand. Go through a broker specializing in international expat policies e.g. [email protected] [email protected]

If you can find a program at an actual university (there are some) this should work fine. It is the stand alone language programs (some of which people enrol in but rarely attend) that are looked at more dubiously

Self ear cleaning: be very, very careful so as not to puncture ear drum. Inserting cotton wads safer than Q tip and do nto try any hard metal instruments (including those sold as ear wax removers -- if that is necessary have a trained person do it) There are things you can put in the ear that help dissolve wax. A brand of drops called I think "Dewax", or a few drops of 3% hydrogen peroxide - see https://www.entsinusorlando.com/earwax-removal/hydrogen-peroxide-solution/

Good feedback on this doctor https://www.bangkokpattayahospital.com/en/doctor-profile?v_id=205&depid=28

There is a great difference between external otitis (infection of the outer ear) and otitis media (infection of the inner eat). External otitis can be treated with ear drops alone and cannot cause hearing loss.

According to the MRI report (which does need to be supplemented with a direct MRI reading by a specialist) changes at C4-C5 are mild which if true would not warrant surgery. Even at C5-C6 the report lists only moderate narrowing which also does not usually equate to surgery in the near term, though it may worsen over time to an extent that requires it. I'm not sure you understand how very common these findings are (even in perfectly asymptomatic people) and what the usual threshold for needing surgery is? However, the symptoms you report are at odds with the MRI report so its accuracy needs a review. Compression fracture would usually be treated with neck brace and PT (cervical traction), has this been done? Besides the actual MRI film bring Xray film with you if available. A great deal can be seen on XRay including things like bone spurs which sometimes get missed and can account for symptoms worse than the narrowing would otherwise cause.

Best to make an appointment, which can be done by phone or online. He is in high demand and theere onlt Tuesday evenings and Saturday mornings. 420k if a private international hospital is quiet possible (depending on exact type of surgery) but would be much less at a government hospital and of course free if obtained through the universal scheme, though that process can be slow. What hospital is your GF covered at under the universal ("30 baht") scheme? It will be where she is listed in a housebook (tabian ban). And from whom/where did she get this 420k+ quote? You said Sriraj advised no surgery needed and also that is not a private hospital so it sounds like she has consulted someone else at a private hospital.

5 million is about right for the most likely to be incurred in a single hospitalization in a private hospital (worst case scenario, but worst case is what one should plan for). If using only government hospitals can be 1.5 - 2 million. And of course need a way to replenish these funds as used.