Sheryl

What you need is a urine culture with sensitivity, this will hopefully show what antibiotics the organism is sensitive to.

OK I see. So it is April International out of France (same as I and several others have) but apparently an old type of policy from long ago hence the different name and different zone coding, and inability to add a deductible. I definitely do not recommend a switch to April Thailand. Keep what you have. If you like coudl consult a broker about whether there is a way to shift to one of April's newer policies that do allow deductible. AOC brokers seem familiar with April. https://www.aoc-insurancebroker.com/

For US depends on whether condidered a resident alien or non-resident alien. Resident aliens are subject to same tax rules as US citizens and are taxed on worldwide income.

The Thai tax code has its own personal deductions, exclusions, rules on capital gains etc. These are what will apply. You don't apply Thai tax rules when you do your US tax return, and neither will you apply US tax rules when doing a Thai return, should you need to. Terms of the DTA of course do apply, and you can claim a credit for any taxes paid in US on your Thai return or vice versa. Yes, income that was excluded from US tax under the foreign income exclusion would be assessable in Thailand. ..IF you are tax resident here and IF this proposed revision to the tax law is enacted and IF it applies to non-Thai citizens.

Gains in stocks are probably covered in the Thai tax code but I have not bothered to look into it. But I doubt taxable until realized. I cannot see any difference between an IRA doubling in value and real estate increasing in value. Either way it is unrealized gains (which might well be offset by losses in future before it the property is finally sold or the IRA withdrawn from).

No confirmation process that I know of but as the information is submitted to US tax authorities perhaps some check on that end. You are required to file FBAR annually if you have more than $10,000 (total) in foreign bank account. This would link your SSN to your foreign bank accounts. You may in future be asked by BBL and SCB to provide your SSN.

Correct, if this goes through it will supersede/render irrelevant the prior rule on remittances. I was replying to someone who for some reason thought that if they transferred in money to purchase a condo, those funds would be taxable in Thailand. Under neither current rules nor the proposed change to the law would that be the case assuming the money in question is savings.

If you can easily stay out of the country 180 days a year or more, then that is a good idea (IF this change to the law is enacted and IF it applies to non-citizens. Both of these are still IFs). For many of us with permanent homes here etc this is not an option. The change is not going to apply to 2024. IF enacted the earliest it could take effect would be for 2025. For those of us who are tax resident, IF this goes through, the timing of tax returns will indeed be a bit of a juggling act/headache. I often do not receive all my US tax documents before March. Filing date for Thai returns is March 31.

If not cashed out/no withdrawals then no. They are just savings. It is income that is assessable not savings from earnings prior to 2023 (and in many cases prior types to becoming a Thai tax resident) Where it gets complicated is the situation for withdrawals from these instruments. I would argue that since what is being withdrawn are earnings from employment prior to being a Thai tax resident, should not be assessable in Thailand except for any more recent interest received, but I am not sure where this would fit under Thai lax laws. The code addresses pensions but nto these types of instruments.

Nowadays, under FATCA rules, foreign banks are supposed to obtain your US SSN or TIN if you have an account with them. Expect this to be enforced more strictly. My bank in Thailand certainly did this, and has my SSN on file. A bank in Cambodia that I have an account with, ask me for my SSN every single year.

I don't think you will be required to submit US tax return unless audited/questioned by RD on your Thai return. In which case, if you claimed a credit for taxes paid in the US, your US tax return (electronic copy) should suffice. Thai tax officials are not going to routinely review your US tax return (and likely would not know how to read it). The only things relevant to your Thai tax return would be: - Assessable income, for which you would usually have other documentation besides your tax return e.g. 1099s etc. The US-Thai DTA outlines what income can be taxed in Thailand. Most notably, US Social Security and any government pensions, are not assessable in Thailand. US exclusions and deductions etc are irrelevant as Thailand has its own exclusions/ deductions. You would report your gross (assessable) income on a Thai tax return and then apply the exclusions/deductions provided for under the Thai tax code. - US taxes paid, which might then be claimed as a tax credit in Thailand. The present Thai tax forms have no place to claim tax credits, so can't say for sure if they will require you to attach any supporting documentation. They may not; US tax forms do nto require you to attach copies of foreign tax returns to support tax credit claims (though you would need to produce them if audited). In both US and Thailand, only income (earned or passive) is assessable, not savings. Interest on savings is taxable, though. An interesting question which I do not have an answer to, is the situation for income which was put into a retirement instrument (IRA, 401K etc) and then withdrawn. My take on this is that, as the capital amount is income earned prior to becoming a Thai tax resident, it should not be taxable, and neither should interest on it prior to becoming a Thai tax resident, but interest on it accrued after that (or after 2023/2024 depending on how the law is worded) would be. but that is my take, would need to discuss with an accountant. As these type of retirement funds are pretty unknown in Thailand I suspect the tax code may not directly address it. Nothing has been said much less decided linking tax returns of expats not employed in Thailand to extensions of stay (excluding speculation on this board). This change to the tax law has not yet been enacted.

By definition, if earned this year it is not savings. I referred to savings accumulated from pre-2023 earnings (and in many cases prior to becoming a Thai tax resident). This is not taxable to Thailand, and indeed was likely taxed at source back when earned.

You are not required to file taxes if you have no assessable income/owe no tax, or are not tax resident in Thailand (exception being if you earned income in Thailand). Yes and yes. (I do the same as you re #3). IF the proposed change to the law goes through, and IF it applies to non-Thai citizens, then yes you could be taxed here on income paid out of a 401K or similar instrument. Possible exception being if you can establish the funds are from earnings prior to becoming a Thai tax resident but that is beyond my pay grade. Regarding your last point, the Common Reportiung System (CRS), which Thailand recently joined, is designed to share such inofrmation. While there may be soem gaps now, can expect the system to be tightened in the near future. I would not count on income abroad being unknown to Thai tax authorities.

No tax on transfers per se. Tax is on income. If the source of the funds transferred is savings of funds earned/acquired before 2023 then no tax implication.

Breaking news: https://aseannow.com/topic/1329034-thailand-to-tax-residents’-foreign-income-irrespective-of-remittance/page/10/#comments @4MyEgo If the above goes through, and if it applies to non-citizens, may have significant implications for you if you have anything much in the way of passive income (intetest etc) that you so far don't pay tax on.

Note that pensions and inerest are considered income.

Actually the US does same thing. Just or not, it is possible/workable. If this change is enacted, and if it is applicable to non-Thai citizens (2 IFs) it will have considerable impact on expats and certainly complucate their lives. Those who have been paying no tax in their home countries may, depending on invome level, start having to pay something to Thailand. Those who pay tax in their home country may start having to file fairly complicated returns in Thailand claiming tax credits under terms of relevant DTA. As this change requires amendment to tax law it is not going to happen overnight so no need for immediate action. But it would behoove everyone to get and read the DTA between their country of citizenship and Thailand. And anyone with significant income abroad who has not been paying tax anywhere based on being non tax redident in their home country might want to calculate potential tax bill and consider if they may want a Plan B.

It sounds like you may have April UK policy? April International (France), April Thailand, April UK --- all vpmpletely different. Please check your policy documents. Who exactly is the contract with and who is listed as underwriter?

So about a 16% increase. No zone change hidden in that. Very hard to understand why some people's have changed. I will ask my broker.

Can I ask what your prior year premium was? (Trying to figure out if you'ce gotten the Zone 2 increase despite normtuce saying Zone3). I'm wondering if my change of broker somehow enabled this switch of cover zone. Can't see why it should, but you're rhe second person to have gotten a premium notice that still says Zone 3.

@david_je Still awaiting quote for change to Basic and/or increase in deductible but will probably do neither. From info others have shared the increase in deductible may not be worth it and my broker (AOC) advises against downgrading to Basic. Will run the numbers anyhow as I have until August. Meanwhile I am scheduled for a fairly costly op (580k estimate) and would like to share that Hospital received approval/GOP within 48 hours. So while premiums have gone up, and the insurer is reportedly reeling under unusually high payouts in Thailand, service and payment of claims seems still good. In this particular case it is at a hospital listed in their app as "recommended by April" (BNH, chosen based on doctor). I have no idea if that helped speed things along. Regarding room, their room rate alone (not including nursing care meals and service charge), is 4000+ baht. April of course told them they will reimburse only 2,700 of that. Hospital insurance office called me about that and I asked if the hospital could please discount me on the room, given that my insurer has agreed to pay quite a lot overrall, and as it is I have a US $500 deductible to cover. She said she would see what she could do. Similar situation 2 1/2 years ago at Bangkok Hospital, which like BNH has no twin rooms. I told the hospital to please sort it out internally. By discharge time the issue had magically disappeared. Whether by discount or creative billing I don't know.

This is true or for that matter just use credit card tied to your overseas bank. The main reason for insuring even though wealthy is to protect one's assets. I've seen several affluent self- insured expats have to throw in the towel and return to farangland in old age because health care costs were eroding their capital.

Pacific Cross is a Thai company. You should discuss your needs with an internationally based broker. A Thai broker can only provide a Thai policy and these are unadvisable for several reasons that have already been detailed many times in other threads. Personally I use AOC brokers based in France but they haven't needed to do much for me yet so can't say much. Policies to ask about would include Cigna Global and Cigna Close Care. There will be a few others but not huge choice as you are over 65. I've seen recommendations for Vumi also but am not familiar with the details. They seem to be based in the Gulf so need to consider what entity regulates it and what recourse you'd have in a dispute. Key features to look for: - regulated in a Western country - cover includes outpatient cancer care and dialysis even if otherwise hospitalization only - likewise cover includes day surgeries - direct payment arrangement with a number of Thai hospitals You should also consider whether you'd want coverage in other countries. With internationally issued plans there is usually a range of choices eg: - worldwide inc. USA (the most costly) - worldwide excluding US - worldwide with a few more exclusions -Asia only Etc etc Usually also cover emergency care while travelling in otherwise excluded countries for trips of up to 30-90 days Also consider if you want hospital cover only or also outpatient. The latter will almost double premium cost, so most of don't get it...but if you don't, do make sure your hospitalization-only policy covers day surgeries, outpatient cancer care, out patient dialysis.

First of all -- not at all the same company, not at all the same underwriter either. Thai company and Thai underwriter (LMG), and shifting under Thai insurance regulations. While April Thailand may be "community rated", they are free under Thai insurance regs to drop this practice this and indeed all their policies include clause stating they can adjust premiums based on claims history/risk profile, the Thai Insurance Commission requires this. I has assumed that no medical questionnaire meant a Moratorium policy. I suppose it could be that instead there is some sort of special arrangement to grandfather in April France clients based on their original medical questionnaire at time of enrollment in the latter --- you'd have to ask. There have been some of reports on this board of April Thailand refusing claims, including by people who were led to convert from April France to April Thailand without realizing the implications. Which broker is advising you to do this?

This is incorrect.You ARE a tax resident in Thailand if you are here 180 days a year or more. There is a difference between being tax resident, having assessable income, and owing taxes. From what you describe of your situation, you are a tax resident in Thailand with no assessable income. Thus owing no tax/not required to file a tax return in Thailand. Strongly suggest you change your answer re tax residency as it may lead your bank to conclude you are tax resident in your home country which could have tax implications there.