4MyEgo

I will have to agree as generally one wouldn't have to inform their health insurer, that said, I thought it was a standard, after sighting the fine print in a health insurance policy that I once had, e.g. it basically stated that after disclosing any conditions prior to taking out the policy and it is approved, the insurer must be updated at all times of any conditions that the insured is diagnosed under in the future, regardless if they are not making a claim, as the insurer may decide not to pay any claim related to that condition diagnosed and not disclosed to the insurer at the time of diagnosis. The above said, as I previously mentioned, I stopped insuring due to over the top annual increase in premiums, with no claims. I am not suggesting you do the same, but if you have funds to back yourself up in an event, and or can return to NZ for treatment, that might be a way of saving on premiums now and in the future due to their increases. Apart from that, eat healthily, drink in moderation, and exercise, should keep you away from trouble extending your longevity.

I wasn't aware it was a Thai insurer, that said, I would never insure with a Thai personally as I have heard some bad stories when it came to coughing up. When I once insured, and going through the fine print, it did state about the duty of disclosure when applying and that the insurer MUST know of any changes to ones condition, even if they weren't making a claim, that said, I would have thought most would be the same, but then again maybe not.

I can't tell you what to do, but I can say that I hear you loud and clear. When I 1st came here a decade ago, no one would cover my pre-existing condition, 2 years later I found one that did through a broker, however the policy was for emergency cover only. As I was just under 60 years of age, it all started out good, 70,000 per annum, which included my pre-existing condition, then the following year it jumped to 90,000 per annum, I questioned why the sharp rise, Covid claims, oh ok, I see, (not me), the following year 110,000 per annum, I questioned the sharp rise again, oh, you are now in the 59-64 year bracket, oh, ok, the following year 140,000, again, I questioned them and they said that they changed underwriters, oh ok, that is when I decided that I was not renewing and have been without cover for 6 - 7 years. I made zero claims, and they bent me over so to speak. I also had my family on private cover, so the last 6-7 years worth of premiums that I have saved has been put aside, that is well over 1,000,000 baht in premiums, allowing for increases, say 1.5 mil baht. I have reserves in case of an emergency, that said, unless it is something major, it isn't going to cost an arm and a leg, and if need be, and I can fly, I will go back to the old country where we still have Medicare, because we use it every 3 years when we return, so as long as we are not out of the country for 5 years continuously, we are good. I have been to a private hospital a couple of time and it hasn't cost an arm and a leg for out patient procedures, that said, the University hospitals are quite good as are the Military hospitals, I have been told.

Read the fine print, you have a duty of care to inform your insurer of any changes in your condition, whether it's a growth a mur mur in your heart etc etc, etc. If I were you, I would get a letter from your heart doctor when it was 1st picked diagnosed and provide that to the health insurer you are with, providing a thorough explanation as to why you didn't advise them of it when it was 1st diagnosed. If they don't buy it, yes, your next health insurer will class it as a pre-existing condition.

Give us a break, he got what he deserved, end of story, you know, what goes around, comes around !

Thank you gentlemen, I will make a diary note and renew my licenses a day after they are due to expire in 2028, hopefully my expiry date hasn't transpired first LoL

So it's not really 6 years then, e.g. if I renewed it today, lets say a day after my birthday (22/06/2025), then the expiry date on the next renewed license would be 23/06/2030). Or would it be 22/06/2031 ?

Oh, I like that, go one day after my birthday and get 6 years. Is that for the same 300 baht that I pay for 5 years ?

Many thanks for your detailed post and experience. My wife has to sign some docs annually, no idea what they are, and I have to sign a TM7 in front of them, hence the reason I don't glue the photos in the ones I do at home out of habit. Waste of time really as I have already completed them, but up to them if they want me to sign new ones when there. The witness ID & signature can be a deal breaker for us as we live an hour 20 from our immigration office, of which we only visit once a year, 90 days online thankfully. My experience is always an issue annually, no matter how well prepared you are, and trust me you, I have my ducks all set up in a row as well. Last time, we were told, as I had a new bankbook, there was no need for me to copy each and every page of the old one anymore, about 17 pages, just the new one and the 3 months supplied by the bank with the letter. When we went this time, we were told that we needed the last bank book pages as well, but we said, we were told, we didn't, yes, yes, said the head IO, but the rules changed, but if you want to give a donation to the Christmas fund, nobody has to know, wife turned to me, and said, did you bring extra docs, as I normally do, yep, I said, in the car honey, get them, I went and got 12 months of bank statements printed and the old bank book, yes I am all over these clowns. Came back in with them, he took a look at 2 pages and slide them bank, ok, I just had to see them. Hopefully next trip, we don't have do the witness thing as you experienced, that said, I fail to see what the Kor Ror 2 has to do with anything then, as it states we are still married, but yet we need a witness as well LOL, you can't help stupid.

Yes they are only allowing X amount of storage or you can buy more, I opted to delete a lot of stuff, also ended up losing files, but not that important that I can't survive without them, but it is a nuisance.

This might be a long shot, but have you gone to your Google mail which should be linked to your gmail account ?

I would love to be a fly on the wall when she gets someone to translate what you wrote, either that or she can do that with the camera on Google Translate. I agree, but who is the stupid one here ?

I know if I go online, say for example a couple of months before my extension date is due, the 90 day renewal will only go up to the expiry date of the extension. Once I apply for a new extension, I go without any 90 day report date until my extension is approved, and that is when immigration will issue me with another 90 day renewal, which expires 90 days after that date, therefore I see no relevance in what you stated above. Maybe other immigration officers work differently ?

If your renewal date is before the 90 days, i.e. it has less than 90 days before it's due to be renewed, it will renew to the Extension renewal date only, otherwise, if you have say 91 days to go to renewal date, it will provide you with a full 90 days.

I thought I'd ask, do you know if immigration is against one keeping 400k baht in a fixed account, so as to keep it separate from my everyday account ?