Jumbo1968

I did a 14 day cruise in the Med on a similar vessel it was like working on the oil rigs only you didn’t get paid, food was pub grub style, if you wanted better quality you paid extra. I paid a Service Charge upfront then paid another on any services onboard. After enquiring why, the upfront charge was for the behind the scenes staff. Whilst the vessel was huge it was very claustrophobic inside, entertainment was second rate, the swimming pools area couldn’t accommodate all the passengers obviously. Ok we had daily various ports of call but you were continually clock watching and didn’t want to venture far from the port in case you got lost and missed the boat, they didn’t hang about. The most boring part was the 2 days at sea returning to the home port, nothing to do and all day to do it. All in all a waste of money yet some people swear by them, no idea why.

I used my U.K. Licence to get insurance, I wasn’t asked for Thai Licence or an International one albeit the broker did say if I got stopped by the Police they might ask questions.

Vlogers keep saying use a VPN from a less well off country when booking hotels and flights and you receive a better deal never works for me.

My wife worked various jobs, Fish Market in Bangkok, clothing factory, whilst would like her to have a part time job not a bar, hotel, restaurant etc,she said there isn’t any part time jobs 3/4 hours a day. I mentioned shop work but she said they only want younger staff she is 46 years old, I can’t complain as she cooks, cleans looks after the house and our son. She gets up at 6 o’clock during the week never complains. Her worst habit is if we are going away anywhere she wants to be setting of hours before we actually need to.

The school my son attends not a government one teaches English and Chinese, none of my son’s teachers can converse in English not sure about Chinese. I have no idea how the teachers teach English when they can’t speak it themselves, he only speaks English because of me.

After reading all the posts I think the only way to ensure what you are actually covered for is to have a medical check up first, buying a policy over the telephone is definitely not an option when you become older.. A friend of a friend was receiving daily radiotherapy for Prostate Cancer, no overnight stay, the insurance company would not pay out because they classed it as out patient treatment which wasn’t included in his policy.

In a perfect world but you forget this is Thailand, nothing in the law to say that and even if it was it would be ignored.

Immigration are not going to chase an owner up for not doing a TM30 the next best option is the easy route chase the tenant up who needs a TM30 for whatever he requires it for.

Good enough for you, next time you are immigration show it to them if they are going to fine you even you think you are correct, i can imagine what their reaction will be.

That’s not an official immigration website.

The TM30 notification and its underlying laws are about the obligation of a landlord (housemaster, possessor, or manager) to report the stay of a foreigner (non-Thai national) in his/her property.

My last blood test, I take 20mg statins 1 a day.

If I had took the documents the owner gave me to Immigration I wouldn’t have got a TM30, the agent ‘smoothed’ it out for me well worth the 500 baht fee.

If you have high blood pressure or high cholesterol and you weren’t aware of it and it caused a heart attack would the insurance company pay out as it’s ‘self inflicted’ ? Heart attacks and strokes occur for a reason they are not a natural occurrence. I take statins not because my heart is unhealthy but can prevent me from a heart attack. My cholesterol with statins is 4.5 and 6 with out taking statins which isn’t unnaturally high. My doctor advised it was up to me to take statins as my cholesterol wasn’t dangerously high.

If you have a heart attack or a stroke some thing has caused it, it’s not a natural occurrence so any insurance company could say it was caused by pre existing conditions and wouldn’t pay out.

The owner gave me his documents when I asked for them, the name on the House Book was not the same as his IC Card initially an agent rejected them but then accepted them and I got my TM30.

Axa have just confirmed if I pay a premium of ฿34675 annually it would only cover me for Accident and Covid Insurance, I didn’t even bother to reply.

Not much of your health left to insure as cholesterol’s could be blamed for all kinds of ailments even though mine is regular with a daily 20g statin the premium they quoted didn’t even include accident or covid insurance.

Being the ever pessimist the broker will say yes but he is not the insurance company who decide wether a claim is met or not.

That’s the problem the inconsistency of the officers you deal with, do some of them not understand what the requirements are ?

My house owner refused to do a TM30, I asked him for documentation so I could do it myself, he gave me the wrong documentation. I asked for the correct ones and he gave me 2 months to leave, I didn’t pay the rent for the last 2 months as that was my deposit, he never questioned that. obvioulsy there was a reason why he didn’t want to do a TM30 even if it meant losing a good tenant of 3 years.

Plenty of companies/agents advertise on the net free quote but they always insist on your phone number then you get inundated with phone calls obviously easier to sell over the phone rather than sending the details by email.

I ask them if they would pay out if a person needed treatment for, Hyperlipidaemia & associated conditions . By this we mean ischaemic heart disease stroke and cardiac arrhythmias.who was not on statins would they pay out, no they would not, what’s the point of having insurance then ?

The exclusions are the things I wanted cover for heart attack, stroke etc, I told them I had Prostate Cancer but was given the all clear 7 years ago, that never came up in the ‘conversation’ nor did they ask for any more information about it which I thought was strange.

After a few emails to and fro from the company not an agent they replied, tbh too many get out clauses what would I actually be insured for ? So sorry. However, incase customer taking statins only (no others illness) we will exclude below. FYI. The company will not pay benefits for investigations and treatment related to - Hyperlipidaemia & associated conditions . By this we mean ischaemic heart disease stroke and cardiac arrhythmias.