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tonray
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Everything posted by tonray
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Well it is raining here this morning.....why I keep getting up at 4 AM lately is a mystery likely to be solved before this error
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And because 'controlled' high blood pressure is my pre-existing condition...this 3 million baht of insurance that may ease the concerns of the Thai authorities about scandals...will pay for no cardiovascular treatments whatsoever, or kidney disease or stroke. Useless....I have maintained insurance from my early days in Thailand (6 years) but with the recent changes...it becomes clear I have no choice but to buy the minimum required to pass Immigration and prepare to self insure the rest...not optimum but paying for insurance that excludes 75% of likely illness for an aging male (ouch that hurts to say out loud) does not make good sense. Perhaps if I can find a catastrophic cancer care / accident policy then that would be useful...otherwise...doubting it right now.
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I hope it wasn't affecting your immigration account, because they won't care what the reason was you dipped below 800k
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The crux for me is I'll probably buy the cheapest available plan with highest deductible (lmg) which of course defeats the whole idea of protecting Thailand. To make it palatable I'll forget extensions, cancel my Aetna policy with all the exclusions anyway, keep my 800k in the US stock market and get a new OA every two years so at least I'll never need to visit those unpleasant cretins at N******ri immigration (assuming online 90 day reporting works)
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No claims discount honoured on new car purchases.
tonray replied to up2you2's topic in Thailand Motor Discussion
Correct. I must have sounded like an idiot telling my GF to get a prorated insurance refund because she bought a new car and sold her old car 3 months after paying for a year of new insurance on the old. She looked at me strangely and said the insurance goes with the car. -
Bottom line for me if it's required when I do my extension next year and I cannot get away to switch (which might be shooting one's self in the foot because if they add it to O visa extensions also...by the time it happens may be too old to qualify...catch22), I will likely dump my real Aeatna policy (which excludes many things preexisting but is real insurance) for a cheaper OA LMG policy which covers nothing..but is affordable. SMH....again
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In actuality, increasing the pool of available insured expats would reduce rates so they might be more affordable. Right now, underwriting is based upon a smal pool of OA visa holders/extenders, which does little to protect the Thai medical system from being stiffed and does nothing to protect the expats who must use massive deductibles to buy the 'visa' policy.
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The prospect of spending 8 months here as a tourist (yeah...that old visa run nonsense again), 3 months in Malaysia and 1 month back in the USA for a new tourist visa is looking increasingly like my future. But it also means...no condo purchase and I may hold off on auto buying until we see where this goes....PITA again
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And that was only a COVID policy, correct ? At 63 I pay currently about $2000 US for 1,000,000 baht coverage with exclusions. AT 3 million who knows , I also pay 7700 baht annually for 400/40 coverage. I sent off to Aetna a request to quote at 3 mil coverage...we'll see how much it turns out to be. If they add outpatient...that adds typically 40-50K per year to premium on top.
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Agreed...but pre-existing conditions not covered. For example, I have controlled high blood pressure with meds. My policies state that anything remotely related to HBP is not covered, including kidney disease, heart problems, stroke, etc etc. Just covered about 90% of the ailments that take down majority of older men. And your coverage was likley for 90 days, how much vs for 1 year...every year ?