Mikkihiiri

If you put aside the same yearly amount you would pay to an insurance company you will not be covered enough if something serious will happen. I am 65 yo and have a 5,000,000 THB coverage insurance with PACIFIC CROSS. The premium is around 52,000 THB per year with no coverage below 50,000 THB of hospital bill. You get a 10% on the yearly premium if you did not use the insurance the previous year.

Obviously, the fastest way to solve the problem of the balcony rail is to do it yourself and avoid long discussions wirt the Juristic Person. But that will not answer the original question, that is: who is responsible for the balcony rail or who owns the balcony rail. If you check the Chanote the balcony is included in it and so the balcony rail comes with it. But that does not mean that you can do whatever you want with your balcony. The balcony should be kept in a way that is not modifing the external look of the building. Obvioysly, it is the joint duty of the Committee and the Juristic Person Manager to enforce the By-Laws and the Thai Laws even taking the offenders to Court. We did it several times in our Condominium and our Juristic Person always won. But it is not easy to find a Committee or a Juristic Person willing to take cases to Court for Co-Owners breaking the Law. It takes time and experience and some headaches, which is something most of the Committees or Juristic Persons are more than happy to avoid closing their eyes on Co-Owners that are not respecting the law.

The balcony rail belongs to the Unit and, as such, is not part of the Common Area. I was the Chairman in one condo in Pattaya for 12 years. Our Committee obliged all the Units to maintain the balcony rails properly otherwise they were fined for two reasons: 1- safety 2- the external look of the building was affected as the rotten balcony rails were of a different color than the good ones (there is a Condominium Act section saying that Co-Owners are not allowed to modify the external look of the building).