pby92

11 hours ago, ChrisY1 said:

Even I know that there's a no refund policy with the ex...in fact, it's universal!!

And futur monthly payments ????

On 8/11/2019 at 11:00 AM, FredGallaher said:

I remember in the seventies the exchange rate was about 23 baht to the dollar. I survived fine. Now its about 31 baht to the dollar so better. In 2005 I believe it was 40 to 1. Of course prices aren't the same but neither is my US income. I feel for the Brits because many came here when the exchange was much better but maybe lack enough resources to weather the storm. I think that Thailand was heavily promoted in the UK as a place to retire cheaply. It was but isn't as much so anymore. 

For me its still much more affordable than California. As well as much safer. 

Yes and Brit pension is frozen in Thailand at the amount when they move there; better place is Philippines as even it is not an ex commonwealth country by a special agreement the pension is not frozen.

10 hours ago, essox essox said:

there are 75 countries that drive on the left......so your statement is not correct really

75 countries and territories as Isle of Man Isle of Wight ???? mostly ex commonwealth countries and Brit domination.

But it’s not the problem I am a usually drive right driver and drive in Thailand when you occasional driver need at the beginning a little more attention.

The problem is the driving skills.No proper training and tourist renting scooters they never use to drive in their country so again lack of driving skills.

On 7/12/2019 at 9:16 AM, jackdd said:

We know from other reports already that for an IO to say "you have been here more than 180 days" they count whatever way suits their needs. Maybe last 12 months, maybe last year, maybe last two years. It doesn't matter because there is no 180 days limit anyway, they just try to make something up.

Thai consulate in Paris doesn’t deliver you a tourist visa if you have been in Thailand already 180 days in 12 months rolling period, even if there is no rule about that and it’s not new .

On 7/4/2019 at 9:58 PM, dtag said:

I have kept in touch with some of the other guys who were here before. One Australian guy detained also came in on a 60 day tourist vista he got from KL embassy. He lived in Aus and had not even visited Thailand in years. He had booked rooms for the whole time, etc.  When returning his passport , it had a letter saying he could not stay because he had "insufficient funds" Well, he had had to show his bank balance in KL to get the visa, and had never been asked here to provide them again. They just essentially made up a reason to boot him. Just like with me- insisting I was going to come back to work illegally with zero justification for saying this.

In the end , they can not allow an embassy to say you are acceptable for a visa , then have different rules here at the airport.

 

Yeah wisperone- I meant  my tourist dollars for life. In the short term, the money I would have spent here will now be going into the hands of Filipinos mostly

 

10k baths must be show in cash

I am actually in Philippines but yes when you are in the country renewing visa is easy but at immigration Mactan Cebu airport even with a 59 days visa from Philippines Consulat in Paris I was scrutinize and interview never happen to me in Thailand where I plan to go back.

1 hour ago, Andrew65 said:

Most travel insurance doesn't cover motorbike accidents, even if licensed, wearing a helmet etc anyway.

 

A bit like not telling the insurance company that you're on a skiing holiday (dangerous pursuits), then trying to claim?! (Don't come running to me with a broken leg!!☺️).

 

Maybe I'm a wimp, but I've (almost) always avoided motorbikes in Thailand. If I'm going to be on one I'd rather that I'm the driver, not a Thai who thinks he's/she's Valentino Rossi!!

Travel Insurance link to Revolut premium card cover MB if you have proper licence and helmet. It’s valid for 45 days start automatically as you geoloc by app on your smartphone. 

8 hours ago, Briggsy said:

I see from the photos the "paramedics" are taking it in turn to shine a bright torch directly in the face of the injured motorcyclist.

Yes it’s to check if pupil react to light or not useful to see If suspicion of cranial trauma.

11 hours ago, faraday said:

What does 'Flic' mean, I've heard it used in French movies about the Police?

Slang word for police man in uniform or not.

1 hour ago, gusincebu said:

 

There's a meter ?

Sent from my SM-T535 using Tapatalk
 

 

No but when you use the Grab app there is an estimation of the coast as using a Grab meter taxi.So me also I use grab in Philippines no fight for meter or itinerary and I always tip the Grab driver 

5 minutes ago, scubascuba3 said:

Not good really. I just had a quick look on moneysupermarket, you can get similar policies from £20. Insureandgo offers a 90 max days per trip policy for £36. Unlimited medical cover

Yes but as it’s auto subscribe it’s convenient for me and with cover of visa premier and Amex I thought my coverage is sufficiently 

15 minutes ago, scubascuba3 said:

1 hour ago, pby92 said:

Revolut premium card cost 10€ monthly as a travel insurance includes cover 11 000 000 GBP the Revolut app on your smartphone locate you when you abroad and you automatically cover.
Road accidents (car and bike) are cover if you have the adequate DL.

There's always a catch with Revolut, i imagine cover is only for a max number of days and other exclusions. I had a look on their website and as per usual the T&Cs for medical cover is difficult to find. I assume you've worked out the rate you get in Thailand is poor? Its hidden on their site somewhere

Trip of 40 days 183 days by year

 GLOBAL MONEY APP
Group Travel Insurance Policy
Overseas Emergency Medical Assistance and Expenses
This summary contains the key features of the group policy. It does not contain the full terms and conditions, which can be found in the group policy wording.
It is particularly important that the Group Policyholder and Bene ciaries read the sections on key exclusions.
Conditions
It is essential that bene ciaries refer to the Important Exclusions and Conditions Relating to Health section in the group policy wording as failure to comply with these conditions may jeopardise a claim or cover. If a bene ciary is travelling to Australia and they require medical treatment they must enrol with a local Medicare o ce.
Bene ciary
Is an individual aged between 18 and 70 that:
• holds a premium account with the group policyholder; (or a named Travel Companion(s) on the
Bene ciaries Statement of Insurance)
• is registered under the healthcare system in their home country (which must be within the European
Economic Area);
• is not travelling against medical advice and have sought medical advice if they have any health concerns
a ecting their ability to travel;
• is travelling abroad on a trip.
A bene ciary is not party to the insurance contract which is solely between the group policyholder and us.
Policy Term
This group policy is valid for the period of insurance shown on the Statement of Insurance. Cover applies for the duration of the bene ciary’s trip provided that:
• the trip starts and ends during the period of insurance.
• no trip lasts longer than 40 days.
• the maximum number of days for which bene ciaries are covered in any 12 month period is 183 days.
Revolut/Group/121702
   Change In Health
If there are any changes in your health after you are provided cover under this Group Policy, this can a ect the cover we provide and / or the cover you require. There is no cover under this policy for any pre-existing medical conditions not listed as being covered in the list of acceptable conditions within the group policy wording. Please review the terms and conditions of the policy booklet in full or contact us if you are in any doubt whether cover may apply if you have a change in health.
Key Bene ts
• Emergency medical service - costs of services required to arrange emergency medical assistance or transport home following an accident or illness whilst on a trip up to a  nancial policy limit of £15,000,000.
• Overseas emergency medical assistance & expenses - up to a  nancial policy limit of £15,000,000 for emergency medical treatment and related expenses if the bene ciary falls ill, is injured, during their trip
outside their home country:
• Emergency medical treatment, including the costs of rescue or assistance services to take the bene ciary
to a up to a  nancial policy limit of £15,000,000.
• Related expenses including extra costs for transport and accommodation if it is medically necessary for
the bene ciary to return home; stay after the date they were going to return home; and for one relative
or friend to stay with, accompany or travel to be with the bene ciary.
• In the event of death, funeral costs abroad or returning the bene ciary’s body / ashes to the home
country.
• Emergency dental treatment for immediate pain relief up to a  nancial limit of £300.
OPTIONAL COVER EXTENSIONS:
Winter Sports: If you participate in a speci ed winter sports activity, we will pay up to £15,000,000 for your emergency medical expenses.
Key Exclusions
• The  rst £75 of each claim you make (this is your excess).
• Any claim relating to a pre-existing medical condition, as set out under to any reason set out under
Important Exclusions and Conditions Relating to Health section of this wording.
• Any treatment or expenses in Your Home Country.
• Any non-essential medical treatment, surgery, investigations or tests which are not related to the Serious
Illness or Bodily Injury that You originally went to Hospital for.
• Any treatment that the Emergency Assistance Service con rms can reasonably wait until You return to
Your Home Country.
• Any expenses relating to replacing any medication, which is known by You to be required or continued
at the time of You starting any Trip.
• Any claim relating to a tropical disease if You have not had the recommended inoculations and / or taken
the recommended medication as directed, for Your destination.
• Any cosmetic surgery.
• Any expenses or treatment funded by a Reciprocal Healthcare Agreement (RHA).
• The extra costs of single or private accommodation in hospital, or any treatment or services provided by
a spa, nursing home or rehabilitation centre.
• The cost of telephone calls, other than for calls to the Emergency Assistance Service or for receiving calls
from the Emergency Assistance Service.
• The cost of taxi-fares, other than for Your travel to and from hospital relating to Your admission,
attendance for outpatient treatment or appointments or for collection of medication prescribed for You
by the hospital.
• Normal Pregnancy or Childbirth, without any accompanying Bodily Injury, Serious Illness or Complications
of Pregnancy or Childbirth.
• Your wilful, self-in icted injury or Serious Illness, suicide or attempted suicide, sexually transmitted
Revolut/Group/121702
   diseases, solvent abuse, use of drugs (other than drugs taken in accordance with treatment prescribed
and directed by a Medical Practitioner, but not for the treatment of drug addiction).
• Your self-exposure to needless peril (except in an attempt to save human life).
• You drinking too much alcohol, Your alcohol abuse or Your alcohol dependency. (In respect of You
drinking too much alcohol, We do not expect You to avoid alcohol, but We will not cover any claims that occur because You have drunk so much alcohol that Your judgement is a ected and You need to make a claim as a result).
• Unless Your life is in danger or You are attempting to save human life, You:
• jumping or diving from a pier(s), a wall(s), a bridge(s) or a rock(s) including tombstoning or shore diving,
o climbing on top of or jumping from a vehicle,
o climbing or jumping from a building or balcony,
o climbing or moving from any external part of any building to another part (excluding where stairs
are being used) and falling, regardless of the height.
• Your travel to a country, a speci c area or event to which the UK Foreign and Commonwealth O ce,
www.gov.uk/foreign-travel-advice, or the World Health Organisation, www.who.int/ith/en, has advised
the general public against all or against all but essential travel.
• Your failure to comply with the terms and conditions of the Eligibility; the Special Conditions Relating to
all Claims or the Reciprocal Health Agreements sections of this policy.
• Your stress, anxiety, depression or any other mental or nervous disorder.
• Any participation in or practice of any professional entertaining or professional sports or competitive
activities.
• Any participation in or practice of any other sport or activity, Manual Work or racing unless shown as
covered on the sports and activities table.
• Unless speci cally covered under this insurance, any other loss, damage or additional expense following
on from the event for which the Bene ciary is claiming unless We provide cover under this insurance. For example, loss of earnings due to being unable to return to work following bodily Injury, Illness or disease happening while on a Trip.
 • Operational duties of a member of the Armed Forces.
• The use of a motorised vehicle on a Trip covered under this Group Policy unless a full driving licence is
held permitting the use of such vehicles in the country concerned.
• Any Trip which is a one way journey or if the Trip is longer than the duration shown on the Statement of
Insurance.
• Any payments You would normally have made during Your Trip or which do not fall within the events
insured by the Group Policy.
• Any loss caused by currency exchanges or  uctuations.
• Loss or damage more speci cally insured by another policy.
• Any costs incurred by You or the Group Policyholder which can be recovered from the service provider. • Any circumstances You were aware of at the time of taking out this Group Policy that could reasonably
be expected to give rise to a claim.
• The Group Policyholder or Bene ciary’s own unlawful action or any criminal proceedings against them. • War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not),
civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting
to an uprising, military or usurped power.
• Terrorism where such losses are caused by nuclear, chemical or biological attack, or the disturbances
were already taking place at the beginning of any Trip.
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste,
from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly
Excess
The excess is £75 for each claim, which the bene ciary will pay.
 Revolut/Group/121702

How to Cancel
It is IMPORTANT to know that there will not be a refund of premium to the group policyholder if they cancel this group policy. The group policyholder can cancel this group policy by giving 90 days’ notice in writing to the address shown in the Statement of Insurance. In the event of cancellation by the group policyholder, they must notify each bene ciary of this group policy.
Cancellation Fee:
If the group policyholder wishes to cancel this group policy at any time, no return of premium will be paid to the group policyholder and we reserve the right to charge a reasonable administration fee.
How to make a claim
If you are overseas, please telephone our Emergency Assistance Service on +44 1733 224 956 (open 24 hours a day, 365 days a year).
For self paid expenses, please telephone White Horse on +44 1733 224 958 or email [email protected]
How to make a complaint
We know that sometimes, no matter how hard we try, we don’t always get it right. If we give you cause for complaint, it’s important that you know that we are committed to providing you with an exceptional level of service and customer care. When this happens, we want to hear about it so that we can try to put things right.
Should you have any complaint regarding your insurance or the way your claim has been dealt with, please contact:
The Customer Experience Manager
White Horse Insurance Ireland dac First Floor
Rineanna House
Shannon Free Zone
Shannon
County Clare Republic of Ireland
Alternatively, you can email [email protected]
  Revolut/Group/121702
 
 

18 hours ago, HLover said:

Any ideas for travel insurance for these incidents?

Revolut premium card cost 10€ monthly as a travel insurance includes cover 11 000 000 GBP the Revolut app on your smartphone locate you when you abroad and you automatically cover.

Road accidents (car and bike) are cover if you have the adequate DL.

So what is the good coverage plan 7.5 millions 11.5 millions?

As I will retire in 3 months I wanted to be sure that Philippines was not a best option. 

I plan 3 weeks there after one go back Thailand for my last 2 holiday weeks .

Except cheap alcohol , availability of girls if it's your trip and English language on the other side  expensive hotels for less quality poor infrastructure bad internet.....

send from Surigao del Norte 

You can use tawagpinas.com for top up any prepaid sim from any country 

In the other way I order a Dtac SIM card deliver to France by TNT . TNT charge me 40€ processing fee. 

I order one in Philippines deliver by mail no cost. So it’s the same business in our European countries 

2 minutes ago, smotherb said:

Oh yes; it's amazing how ignorant farangs can be.

We are same young kids like to experiment by our self

Do you live there if not don’t invest.

if you invest be prepared to loose it.

Personnal returns of experiment.

If I not do I will be already living in Thailand since July.

Must work one year more .

If you invest be prepare to loose wife and money.

if you don’t be orepare to loose only your wife 1000% chance find a new wife 0% to recover your money 

Your MasterCard or Visa card statement showing you use it outside Thailand can be a good proof too

14 hours ago, vogie said:

I found the embassy in Paris very amicable. I went in for a tourist visa and he recomended a non immo visa, I told him I didn't have sufficient funds to show, he said don't worry about it and gave me the non immo visa.

You kidding 

There is a particularity at Thai Embassy in Paris if you have stay in LOS during 90 days and come back France they will not deliver a Tourist Visa before you have stay 90 days in France .

So yes Visa exemption is the best way you can use.

5 hours ago, flyingdoc said:

I suppose that the Elite Visa covers most problems, but is expensive!

Still have to do 90 days report by yourself if your not in area where Elite Visa has representatives 

On ‎26‎/‎01‎/‎2018 at 9:18 AM, ubonjoe said:

You cannot do it.

You can only get private insurance by paying a substantial amount of money for it.

On ‎26‎/‎01‎/‎2018 at 9:20 AM, tstcman said:

Sucks, oh well looks like I'm stuck with no insurance then. I'm already paying Insurance in the US than I can afford being on a pension here I can't afford to pay two insurances at once.

Sent from my [device_name] using http://Thailand Forum - Thaivisa mobile app
 

is your Thaiwife a civil servant? if yes may be you can benificiary of her health insurance

5 hours ago, MaeJoMTB said:

Philippines you can arrive and stay 3 years without leaving, no finance checks at all

Yes but without retirement visa or spouse visa you will not be able to get a driving licence as the application of the law is now strict