4MyEgo

I would think that as much as they have been pushing vaccines, they should also start pushing vitamin D. Recent studies have shown people with good vitamin D levels were in better shape when it came to contracting Covid-19. https://www.rheumatologyadvisor.com/home/conference-highlights/asbmr-2021/asbmr-2021-effect-of-vitamin-d-on-risk-for-sars-cov2-covid19-infection-severity-death/ With regard to boosters, the panic button has been set worldwide prematurely IMO because there has only been one death recorded out of all those millions who have fallen ill with mild systems to those requiring oxygen, very few requiring ventilation. If your above 70 get a booster, Moderna is readily available if your prepared to pay for it, if you have pre-existing conditions, get a booster, again Moderna, if your fit and above 50 take a deep breath, booster after 6 months as planned, either Pfizer when it's available with your other 2 already Pfizer jabs, or Moderna. Just remember one thing, if you get infected and recover, which is highly likely and without hospitalisation, you have immunity, what are we all afraid of with Omicron, catching something similar to the flu, come on now guys man up. If your really scared and in a panic, walk into any Bangkok Private Hospital and pay for a Moderna shot today, scores of people selling their Moderna shots after receiving the government perfectly timed free shots of Pfizer or Moderna for those that had not received a shot yet, coincidently just before the Private Hospitals received their Moderna doses, the timing was incredible, wasn't it. Regardless if you paid for it and are waiting in limbo, if you are that worried, buy another dose and then put yours for sale on the Hospitals Facebook page as there is no doubt in my mind it will get snapped up as they push for everyone to get a booster after 3 months, without the government being able to provide them with boosters in the short term. Buying one vial for say 3,000 baht works out to 1,500 baht for each person, you can select the wife to have the 2nd dose 3 weeks later, i.e. unless you love her very muk, and put her before yourself. Here we go again. People who were inoculated with the AstraZeneca vaccine for the first two shots can choose Pfizer or Moderna as their booster three months after their second jab, while those who have received two Pfizer or two Moderna doses can choose either of the two vaccines as their booster six months after their second shot. https://www.thaipbsworld.com/thailand-to-speed-up-vaccine-booster-shots/ As pointed out by Excel above.

As much as I feel for any loss of life, this coming from someone who once was a big bike rider most of my life, I know riding a bike of any type here in Thailand, regardless of ones own riding experience/capabilities, one is left exposed to either death or serious injury every single day one rides a bike of any kind. Do I miss riding, hell yes, do I value my life here more, hell yes, so I made the choice to live as opposed to potentially dying earlier in life. The above said, even if your injured, you have more chances of the person hitting you, not stopping in fear of having to cough up, then you have the hospital and rehabilitation costs to come up with, if not funeral expenses the family will have to pay for. Now would there be a solution to reducing road deaths here in the LOS, hmmmm, I don't know, maybe we should ask the Thai police force what they think ? RIP Mr Swedish man.

I do find it hard to believe, however if that is the case, then you should report them and appeal as Sheryl mentioned earlier, otherwise you allow them to get away with it for the next person.

"By their own policy" this to me sounds like the agent didn't explain the policy to you properly, i.e. you the holder of the policy placed your trust in the agent (who earns a commission) and of course can mislead you and that is when the $hit hits the fan, and the policy holder blames the insurer. Did you read the policy ? (I DOUBT IT). You can always post the part your agent refers to "by their own policy", right here so we can see it word for word. The above said, I use an agent for all of my insurance needs, and I ask questions, I also read ALL of the policies and look at the fine prints/disclosures etc before I pay them so that I know what I can claim and what constitutes a claim, that said, my policy which is inpatient only, emergency and elective surgery states that for me to be able to make a claim, I must be admitted for 24 hours which constitutes an emergency, otherwise it's at my expense, because anything short of 24 hours is defined as an outpatient cost which I am not covered for by the insurer, furthermore, I have read the below extract very clearly, that said if I require a procedure, I have to call them for approval beforehand, e.g. not an emergency: Should I get pre-authorization before receiving medical treatment? Your doctors and medical condition alone should determine the need for medical treatment. You are not required to get pre-authorization from THE INSURER in the event of an emergency before receiving medical care and you have the right to choose any medical service provider, however it is recommended that you contact the call centre before receiving medical treatment in order to understand the coverage for the medical treatment in your plan. Also according to the policy terms, you need to pre-notify the customer service department in case of a planned hospitalization and other conditions as specified in the policy's table of benefits. The above to me is pretty straight forward, NOTIFY THE INSURER BEFORE GOING TO HOSPITAL, I.E. ULESS YOUR UNCONSCIOUS. This all sounds to me as if you put all of your trust in the agent and hospital by not contacting the health insurer to get prior approval (in writing) from the insurer before going in for the procedure, set your self up for failure, after all, they are the ones who are paying and would want to know what is going on, i.e. you were conscious and they would be given the opportunity to approve or decline the cost for the procedure that the hospital would quote for the procedure, otherwise it's on you, in other words, it sounds to me that you jumped the gun. Learn from your mistakes, e.g. "get it in writing", otherwise you have nothing but hearsay and that hearsay sounds like it was from the agent and of course the hospital just nod in a polite way not wanting to get involved in your fight with the insurer, your pompen, not ours, smile, so who really is to blame here, did you do your due diligence and read the policy and its fine prints/disclaimers or is it easier to blame the insurer because that makes it justifiable for you, whatabout the agent, perhaps more focus should have been place on him/her, that said, I have caught one telling porkies when I received a policy which he said covered my pre-existing condition, when it didn't and I cancelled it straight away, what if I didn't read it and I had the pre-existing condition flare up and I was hospitalised, should I blame the insurer, hell no, I did my due diligence, TRUST NO ONE, GET IT IN WRITING, you then stand less chances of being let down, once again in this cruel world. It also sounds to me like you did not mention if you had a pre-existing condition or had any similar procedure carried out in the past to the insurer, regardless if it was within the past 5 years as most applications ask you if have have any pre-existing conditions in the past 5 years or had a procedure that we the insurer should know about in the past. The question is why did you not disclose that you had the same procedure 6 years ago, because you knew they would more than likely not cover you for any future procedure IMO, 5, 6, 10 years, is all relevant and I believe most people would answer yes even if it was over 5 years, because the more open they are with the insurer, the more understanding they will have when they get a reply, we will cover it or we won't. Glad to be proven wrong The proof is usually in the pudding and personally I wouldn't be slagging any insurer if you deliberately withheld information from them as that could throw someone off from getting insurance when it was not the insurers fault, thereby rendering the intending policy holder not insured because of your misinformation.

Really, what choices did you have, Sinovac ? As far as I can remember it was Thai's first, lots of people reporting that they were turned away when they went to get vaccinated, yes there were some that got looked after, i.e. those who were accepted and wanted to get Sinovac, to be honest I was offered AZ in June, there was a lot of back peddling by the Thai's about it was all a miscommunication, but knocked it back for other reasons, not because they offered it to me. The above said, if I recall correctly a heck of a lot of expats receive Pfizer from a US donation, if memory serves me it was something like 3/4 of a million doses ? No one is suggesting they hate us, but I will point out one thing, if you can kindly remove your blinkers, do I consider Thailand to be a multicultural country like, for example, the UK, USA, AUS ? Only 200 Citizenships per year. No permanent residency/spouse visa's, only annual extensions. Now why do you think that is, when the 3 countries I mentioned above willing provide Citizenships and permanent residency/spouse visa's for those who apply, without limitations of course. Knock yourself out, the floor is yours.

I don't live in Bangkok, I am registered with Bangkok Hospital Udon Thani and they use numerical numbering sequencing, e.g. they were doing numbers 6,000 to 13,000 on the 10th, 11th and 12th, my number was higher than 13,000 and I was called as mentioned and moved forward to March at my requests as I am going to use mine as a booster for myself and my wife, although she will only have been jabbed 4 months earlier as opposed to 6 months earlier like me come March.

Are you not on their online system which shows your cue number ? If they said January, then it will more than likely be January, alternatively as people put back their shots to March your cue number may get closer, maybe this month.

When you say booked, do you mean purchased ? Surely they must have an online system, that is what we have and it shows our cue number.

Are you saying you cannot get a paid Moderna shot for March ?

Why do you say that. I also paid for Moderna back in June, was advised by a phone call from the hospital beginning of this month that I could pick the 10th, 11th or 12th and I explained to them that I had received 2 Pfizer doses, the last in September and would like it pushed back to March as a booster, no pomplem sir, all done, checked on the system and there it was deferred to March. Loads of people selling their Moderna doses as they ran to get the free ones a few days before the hospitals called them and they can't push them back more than 3 months, so if anyone wants a booster, go Dutch with another farang and pay about 1,500 - 1,650 baht a shot each, even cheaper for those desperate to sell at a loss. Bangkok Hospital Facebook page is a good start for those interested, personally, I wouldn't be waiting for the government, and I recently heard on some YouTube chancel that you can get a mNRA vaccine between 4-6 months after your second dose, that said, do your own research.

What I will say to that is that they all had a choice of vaccines that their illustrious government provided them with, i.e. in the beginning it was Sinovac x 2, followed by Sinovac + AZ, then AZ, Pfizer & Moderna towards the end. Buying Moderna was a choice, same as I made, albeit I got Pfizer in August and again in September and will use Moderna as a booster in March, regardless that I paid for it in June and of course it was available to me in December, some 6 months after ordering, I look at it this way, the government failed everyone, however, the USA donated Pfizer thankfully and I received two doses, if my money went down the drain because of this governments incompetence, then not much I can do about it, I hedged my bets, and got two jabs of an mRNA vaccine for free, albeit it I paid for it indirectly. No pint in crying over spilt milk, and those people in CM can push their vaccines back to March and try selling them off as a booster, because I am sure come March there will be shortages.

As I have said many times on this forum before, leaving your palm open for a booster from the government, especially when you are not a Citizen could potentially leave you at the end of the cue, Thai's 1st ? That said, you have two choices: 1) Wait with palm open 2) Buy a shot of Moderna from a private hospital, and there are a lot of people selling their Moderna shots at the moment, for example on Bangkok Hospital Facebooks because they recently received free government doses and they cannot push their shots forward 6 months as a booster, only 3 months. If you pick up a vial for 3,000, and sell one dose for 1,500 baht, it only costs you 1,500 baht to get a booster, that said, I know what I would be doing.

I have the 400k baht in the bank ready for the marriage extension come end January 2022, the money has been in there for over 2 months, however I am going to make a withdrawal, but not before topping it up, e.g. probably adding another 400k baht in the next day or two, that said, is it ok to withdrawal or are they wanting the original 400k baht to be in there from before, regardless of the topping up. The above said, I won't be going anywhere below 400k. I know it's a given for most, but I just don't know if immigration are going to be a pain ? There is another alternative if it's best to leave it as is, i.e. I can transfer the funds to the wife's account and make withdrawals from her account.

Is his name Charlie ????

Another one who has no idea about reality ???? The alternative, keep us all locked up and take away all alcohol so that we can survive Covid no doubt, as someone said in an earlier post, f/o and leave us children alone.

You obviously have no idea what Thai's are on salary wise per month, as I said, add to the monthly repayments, the running costs of the vehicle on an annual basis, example: Approximates : 1st class insurance 25,000 baht Registration 5,000 baht Petrol 130,000 baht (based on 2,500 baht per week) conservatively Tyres 20,000 baht (based on kilometres travelled per annum Oil/filter changes 40,000 baht (based on 15,000 kilometre changes) this would obviously be conservative as the dealers charge more when it's under warranty. Now if I stop there you have an additional 220,000 per annum or 18,333 baht per month on top of the 16,000 baht repayments per month that she would have to pay, that you provided. That's 34,333 baht per annum to run her van and she hasn't even had a bite to eat. If the above are not serious repayments for a Thai, then you have no idea about 101 economics, like I said, who is a tad butthurt ?

Dribble, you obviously know nothing about 101 economics........on that note, I didn't ask you to supply me with her vehicle repayments so &%*$

Add to that 16,000 baht per month, food, rent and the running costs of the vehicle, say another 20,000 baht per month to stay afloat, in other words the bank lending her the money for the mortgage of 1.8 million baht was totally irresponsible.

I believe his insurance would be for Covid only, see a link that I posted later showing what the government required of visitors to Thailand.

Off to bed you go then, no need to bore me.

I see it differently, e.g. Most consumers such as yourself would consider a fine print to be a disclaimer, however, I see them as wording that usually contains the terms and conditions of a contract, i.e. the important things you need to know about, and the fine prints to me tell me very clearly what won't be covered, as an example, in the policy you read motorcycle coverage $10,000, but fine print on that travel insurance policy might say we the insurer will not cover you if you ride a motor scooter above 125cc, are not licensed to ride in that country, do not wear a helmet, were speeding at the time of the accident, failed to stop at a red light, etc etc, well that has just told me of something that I wasn't aware of as the policy earlier on said motorbike coverage, in part it is true, but hey, you have to read on to get to the crux of it, it's basically with every single contract you sign. All contracts have fine prints, it's just the way things are and it is up to us to read the whole policy and in particular the fine prints because that is basically telling you what is excluded or what they won't cover you for, or up to what they will cover you for. Anyone thinking insurance is just pay and your covered is naive in my opinion, even myself, e.g. I never knew that private health cover under an emergency could not be claimed unless you spent 24 hours in the hospital, e.g. you fell off your motorbike, broke your arm, I consider than an emergency and would go to the hospital and after being released, probably after a couple of hours and say 10,000 baht hospital costs, make a claim, but not knowing they would knock it back because an emergency is only considered after a 24 hour stay in the hospital under the fine print, not that this has happened to me, but by reading the fine print, I learn something before singing the policy.

I fail to see your point, noting that I do not consider myself to be the brightest spark when it comes to reading contracts, that said I will focus more and take my time to re-read something over and over and over again until I do, even highlighting points in the contract, as opposed to just saying oh what the heck and then sign it. I suppose one can go back to the old buyer beware saying, and never expect anything to be simple in life, it's dog eat dog and people fall into traps because they don't like to read the contract, ignorance is no defence, nothing to do with incomprehensible jargon, if it is incomprehensible jargon to you and you can't understand it, then don't sign it, get a second opinion, someone to give you their understanding of it, and yes there is truth in the saying that, knowledge is a powerful tool, so use it.

Real estate here is not a good investment, as others have said, the van was the income stream and borrowing 1.2 million for it would have some serious repayments on top of annual insurance for it, registration, maintenance and petrol, why on earth did she need to buy a house and borrow 1.8 million, for show ? As real estate here doesn't grow like overseas, rent would have been the best alternative until she paid the van off, unfortunately math has never been the brighter side of those who didn't do well education wise, she had other alternatives, but became inpatient as most do and then end up losing it all, sad reality. Have to say I feel for her, but perhaps a lesson to be learned ? As for the husband, I hope she gets as far away from that creep and the mother-in-law as she can.

I believe it is only insurance for Covid that is required for tourists, long stay could be both, that said, I stand to be corrected, as always. https://www.thaiembassy.com/travel-to-thailand/covid-19-insurance-for-thailand

Or any of the immigration officials who take the brown envelops letting them in.