4MyEgo

1) Broker try AA Insurance Brokers 2) The insured amounts on the policies usually start from 5 million USD from my experience which would be more than enough. The above said, mine was 16 million USD, there was no lower amount to insure for with that insurer. You also have to factor in rising costs, from my experience having been previously insured for 4 years, the annual policy cost goes up every year, they don't tell you that, but it will, e.g. they will send you an email telling you that rising costs worldwide have affected policy prices, therefore your policy has increased by 10%, 20%, 30%, then there is the 5 year age gauging increase which is clearly visible when looking at their charts, e.g. 59-64, then 65-69 and so on. Being insured is one thing, and everybody should be insured in my opinion, however it all depends on how much your prepared to part with, and as most know from my previous responses, know that my insurance went from 70,000 odd in the beginning to 150,000 odd at the end, and the reason at the end was that the insurer changed underwriters, that said, I did have a pre-existing condition which was optional and I took it at the time as that is what I was looking for, however there was no possibility to ask for a excess/waiver option so as to reduce the policy costs and me paying the first xyz amount of a claim. That said, I can get a policy with another insurer with excess/waiver options, but as they will not cover my pre-existing condition, I choose to self insure, a no win situation for both parties, i.e. unless I am fortunate enough to never have to make a claim, which I don't intend to, then it will be a win/win for me.

The 20,000 to 25,000 baht ones, where the farang hasn't got the funds in the bank to apply for his 1,900 baht extension, "legal", like it or not ????. This is where I get off the bus trying to educate those who think they know everything looking through a rose coloured glass believing everything they only want to believe. Please do tell me how the illegal extensions as mentioned above, where one pays 20,000 to 25,000 baht are legal, like it or not, yeh right, I thought so. Time to wake up m8 and stop being such a control freak, stay on the topic, nice try deflecting what is reality here

We already know he overstayed, but what was said was that they were afraid that he might commit future crimes, that is clearly assuming/speculating, call it what you want. There are hundreds of farangs here who are here illegally in case you weren't aware, i.e. they don't have the funds in the bank to be able to stay in the country, however pay an agent anywhere between 20,000 to 25,000 baht a year for the agent to get them through the immigration process by greasing the immigration agents hands, all over the country. Would it be fair to say that these illegally processed farangs, are on overstay for another word, going to commit crimes ? Looks like rounding up those that don't cough up the $'s are the way to go, because they "might" commit crimes in the future, a good story for the gullible Thai's and others, no names mentioned to believe. Glad I don't believe everything I'm fed

Assuming, no relevance !

So how many crimes did he commit in the 8 years he was here ?

Could be that you had it, but didn't even notice it, that was the case with me, until one day when I sitting down with a mate who just got over having it, and my question to him was what were your symptoms. His reply made me take one of those home tests because his symptoms matched mine, i.e. in the beginning, a sore throat for a day, then a mild headache, eyes sensitive to sunlight, sort of tired and wanting to sleep, suffice to say, I feel like the above on occasion so had no idea that I had it until the test showed the 2 lines, the 2nd line being really faint, probably because I was at the tail end of it.

I haven't worn a mask for over a year, caught nothing, am vaxed x 3 with Pfizer and have had Covid after my 3rd jab. Enough fear mongering I say, but yes, as you say, "up to them". https://nypost.com/2023/02/14/face-masks-made-little-to-no-difference-in-preventing-covid-study/

I think if you were in my position, e.g. your insurer upped your premiums to just over double in 4 years, you might think twice, regardless if you have the (nest egg) as I do to back yourself up. It is no different to me than buying a product, ok, it goes up annually due to CPI, inflation etc, but you have to draw a line when you feel the product is getting expensive, suffice to say, with Covid I as everyone else saw products go up, especially imported products, now I could afford to buy them at whatever increase they went up to, but I do draw a line, regardless if it's health insurance of a pack of chips, eventually the food costs came back down, some even went to below what they were selling for pre-Covid, but not health insurance. So not a tough call for me, I am happy with my decision, no grudges against the insurer, their out there to make profits, some of us can afford to not contribute to their profiteering when we feel it's getting too expensive and decide self insuring is the way to go forward, having funds to back us up in case an event happens to come by in the interim while the funds put aside build up.

What can I say, if they don't change the way they do things here, e.g. lock up fleeing drivers for a minimum 10 years, ban these parades on public roads unless supervised by police, front and rear, and make getting a license for truck drivers harder than just sitting down and watching a video, plus stricter truck checks, nothing will ever change. RIP

Agree, however but when I saw my premium double in 4 years after no claims and my families premiums going up, I said to myself, you know what, I am fortunate enough to have money saved up to back me (nest egg) and yes, if a major problem it is gone. The above said, one has to make a decision, i.e. from where I saw things, be extorted, e.g. 70,000 baht to 150,000 baht in 4 years, no claims, age 61, no issues with pre-existing condition since it happened in 2008 with annual check ups and blood tests at my expense for my peace of mind. Young enough to put that 150,000 baht a side annually, plus the families 100,000 baht a year, suffice to say in 2 years 500,000 baht put aside, no issues vs the insurer getting it and upping it annually, and if no issues in 6 more years that's 3 million put aside and will continue to build on it. Better in my pocket than theirs, that said, I found the increases to be unfair, but that is the game apparently, different to the motor vehicle industry where they encourage you to continue with no claim bonus discounts annually for good drivers, currently 60% no claim bonuses on my annual policy. At the end of the day, it is what it is and no point in crying over spilt milk, also have other options, government army and or university hospitals if it is going to cost too much and not wanting to depart with funds to go to a private hospital, i.e. unless it's real bad of course, and then you have the option of returning home to use either NHS or Medicare if you still qualify and are able to travel, and of course if I depart when that insurance nest egg has built up to whatever amount it has built up to at that time of my departure, the family get it as opposed to the insurer. Tough call, no rights, no wrongs, just depends if you want to part with the increases every year.

That could possibly be the case, even if you disclosed (which you would) about your diabetes. Be forewarned, policies increase annually and then every 5 year age bracket, and especially as I found out when the insurer changed the underwriter. In all fairness, I had a pre-existing condition from 2008, well under control and it was an option for me to have and pay extra as I did. In the 4 years that I paid the insurer, my premium started at 70,000 odd baht for a 58 year old, then shot up to 150,000 baht by the last year, the excuse was they changed underwriters, could well be the case. I now self insure as I couldn't find any insurer wanting to cover my pre-existing condition from 2008 with no issues since, annual check up, blood tests done on my own accord, etc etc. I had zero claims and was covered for inpatient emergency costs only. As mentioned, I self insure now as I have always had the funds to do so but wanted to protect those funds, that said, I have built a little nest egg of 500,000 baht in a side account in those 2 years since and continue to add 250,000 baht per annum to it which includes the families policy which I cancelled as well. In the event of a major issue, will deal with it then, if no event then all and good for money back in my pocket. Best of luck, been where you are coming from and it just got to expensive for me and of course the insurer didn't have any excess/waiver for me to reduce my premium.

Why redo the constitution again, i.e. if they EVER get ousted by the people,

As I said before, you can't help ignorance.

Yes of course, allow the military elected clowns continue to govern the country with their amended constitution which provides the military 350 senate seats out of the 500 senate seats. Keep the people fed on rice, blame Thaksin and his sister for everything, while military elected deputy prime ministers wears 25 high end dead friends watches which he borrowed, and jail all of those under Article 38 for speaking up and protesting in this democracy. You just can't help ignorance.

I believe you should rephrase your heading to Thai's driving Ford Rangers as there are some of us Ford Ranger lovers who drive within the speed limit and aware of our surroundings, no tunnel vision syndrome here.

My wife told me that if you have money here, you can buy the other sides lawyer easily. Now, let's take for example where we are, lawyer approaches insurance company and tells them his client is going to sue, insurance company says, Mr Lawyer, here is a brown envelope, now I'm sure there is more money in that envelope than your client will ever pay you. Lawyer, yes Mr insurance company you are right, I will tell my client that it will take years and lots of money to get you to court and the probability of winning is low. It sounds far fetched, yes I know, but when my wife told me of a situation, it all made sense, but we all can believe what we want to believe, I just remember where we are and I know, money here comes before everything else.

Welcome to the LOS

Sometimes in life someone kicks a ball to you, and that ball can change your whole life for many many years and also create a financial burden and of course if kids involved, rip your heart out. What I was trying to say was, when that ball lands at your feet, best to keep walking, justice, well everything comes at a price, up to him, he can keep kicking the ball, whether he scores a goal or not will depend on many things, however if he does score a goal, I don't think things will be any better personally. Sometimes it's easier to just walk and start over as I have seen many guys do that, I used to play and score goals, talking from experience, but now looking back, it would have been easier to walk, but my stubbornness and wanting justice kept me playing the game. Justice isn't what we think it is.

Tell him it's time to cut his losses and move on, as for the kid, that shouldn't be a problem once he has moved on.

Thankfully, just before Songkran......LOL

https://www.thesun.co.uk/news/21788944/horror-moment-tourists-bungee-cord-snaps-in-midair/

What is wrong with friends knowing what you enjoy ? You really should go back home and seek help, or did they suggest you leave and come here, hmmm, probably the later. Sexpats, what on earth gives you that impression, nothing wrong with sex and being an expat, you should really try and enjoy the beautiful ladies Thailand has to offer, after all, what would life be without sex and these beautiful ladies here in the LOS, that is, if you can strike up a conversation with one. @sidjameson I know of at least 50 expats, play pool at least 3 times a week as I like to get out, I enjoy a couple of drinks and the conversations. I am married with kids and attend BBQ's at different expats homes and sometimes we put on a spill at ours. You got to get out more, join clubs etc and you will meet many people, that said, if your like BananaStrong you will live a grumpy sad old life being alone with no friends. Do I feel sorry for him....

Yes, agree, fact of the matter is my pre-existing condition occurred 15 years ago without an incident since, however there is nothing in the one size doesn't fit all category that allows for these companies to think outside the square, e.g. annual check ups, then they can decide whether to continue insuring you or not, suffice to say, they will stick that annual increase in and say, "up to you" we will insure you, but at this price, no annual check ups required, yeh right, no thanks and yes, they are right, it was "up to me" ???? Of course, but if you don't smoke, eat healthy, watch your weight, exercise, sleep right, don't stress and drink in moderation, take your supplements, I think unless something out of the ordinary hits you, you can live a good life to as long as your ticker allows it, problem there is too many expats don't do the above and therein lay the problem IMO.

I will cross that path when I get there, if ever. The above said, in the event of an event, I will go to a private hospital as I do not have the faith of others in public hospitals over my way in Isaan, that said, I did go to a University Hospital that Sheryl told me about to do a procedure by a plastic surgeon, i.e. remove a Basil Carcinoma from my face. Well spoken Associate Professor did the day procedure under local anaesthetic with learning Doctors watching on, cost 6,000 baht, 2 and a half hour drive each way, worth it in my opinion. I had a bad experience with the local public hospitals misdiagnosing me and having to wait hours on end to see a Doctor, suffice to say, the private hospitals aren't that expensive, 2,000 to 4,000 baht and you can buy your meds outside of the hospital as that is where they sting you. My wife tells the Doctor that her uncle has a pharmacy and she will buy the meds there as he will sell them to her at cost, the Doctor gets a nurse to witness what was said so he is in the clear if questioned by his superiors. From what I have seen and heard of other farangs being treated for stents, hospitalisation for many things, accidents, events etc, I can withstand a hit and not having an event in the time I have been here, self insuring will eventually build up to an amount that I would be comfortable with, e.g. 3 million, that said, if I have an event in the interim, I will have to take the hit. If you eat well, exercise, don't stress, get the right sleep and drink in moderation, your mechanics should see you through. In the event of an accident in a car, 1st class insurance will take care of that, travelling, travel insurance will take care of that, walking on the street, (nope) because don't want that bus hitting me.

I took health insurance with a health insurer through a broker after trying again after 2 years because in the beginning I couldn't find one that would insure me with my pre-existing condition. What I found was that it started off reasonable, then went up every year and then when entering the 5 year bracket, e.g. 59-64 it went up big time, and then the following year they changed underwriters and it and it went into the ridiculous side, i.e. 150,000 baht per year from 110,000 baht per year. This was back in May of last year, so what I did was put 250,000 baht aside and then when the families policy came up in January his year, got rid of them as well and I put another 150,000 aside as that policy was on the up as well, plus I have added another 100,000 baht since then, suffice to say I have 500,000 baht aside in the first year, and yes ok, some people can't do that, I get it. I will put aside the same amounts every anniversary so as to build it up to say at least 3 million baht which I believe would be comfortable. I found in the 4 years that I was insured that it gave me and my family protection, but when I started out, it was in the 70,000 baht range then jumping to 150,000 baht which was ridiculous, no regrets, but there comes a point where one has to say, enough is enough. Look up AA Insurance Brokers, they can assist if you want to go down that path, but at your age and with pre-existing condition/s, you will be better off self insuring in my opinion, i.e. unless you want to see your policy rising annually, even without any claims as was the case with me. They find us to high a risk as we age, even though I am healthy, eat well, exercise, don't smoke and drink moderately, but at the end of the day, it's the age, the see us as the older we get, the higher the risk. Best of luck anyways, been there, done that, self insuring is more suitable for me and my family, suffice to say, you can have your cake and eat it too.