Yellowtail

Here go mine, I love this thing:

As well they should, but I was responding to someone that said: "The problem is with existing conditions, especially for old folks. The insurance company can claim that your heart attack, kidney failure, fatty lever or whatever is because of your mild diabetes or slightly high blood pressure or some other existing condition, and they will refuse to pay." And the "undisclosed" preexisting clause only works if the insurance company can show you knew about the condition.

It blows there was never a sequel to RocknRolla, that was a great picture.

If Sarah Pailin started speaking out against Trump, you could bet she'd be the left's new hero and the sage voice of reason making the rounds on lefty news programs.

You bought medical insurance for B200K and you were refused coverage because of preexisting conditions? When was this, what company, what preexisting conditions, and what treatment was refused?

Are you a Zionist?

A year ago, MTG was mocked and called a buffoon by the left. Now she's the new hero and the sage voice of reason making the rounds on lefty news programs. Too funny.

So they haven't, I thought not. Carry on.

When did Ukraine declare war on Russia?

Don't push down so hard on them.

That has not been my experience. If that were true, insurance would never pay anything. I think this is a myth that comes from people that buy cheap insurance without understanding what is covered, and them moaning when they find out that you don't get million-dollar insurance for ten dollars.

I did. It did for me

I do not need it, I was just wondering, thanks.

How does one compare the cost, if one does not know what the cost is?

I get brokered CDs with no fee through Fidelity, and no fee to open CDs when I use my bank. If you do not know how much people have to pay an agent to avoid the financial requirement, how can you imply people lose money by satisfying the financial requirement with the B800K deposit?

Can anyone tell me what agents charge people that do not satisfy the financial requirements at Chiang Wattana?

I have been here full time since 1999, the last ~7 years on a marriage extension from CW and have never been checked on, not even for the first marriage extension.

That does not really address my questions. What evidence have you seen that convinced you that Trump was without a doubt guilty of raping minor children? Who else in the files do you think is guilty without a doubt of raping minor children?

What agent do you use, and how much do you pay them?

Yeah, whenever other expats find out you're American, they try to "borrow" money.

Did you have Cigna? Was this while you were in Thailand? I was talking about my experience, with Cigna, in Thailand. Insurance companies are in the business of paying premiums, not paying claims. It has been my experience that most people complaining about their insurance not paying their claims, tried to claim thing that were not covered, or they had undisclosed preexisting conditions. People seem to think they should be able to buy insurance that costs 10% of what it pays out.

Both. 80-20 company at first, then two years after I retired 100% self-paid.

Krunsri pays ~1.5% on my Mee Tai Dai account, so that knocks the 4% down to 2.5% which would yield B20K or ~$634. How much does the Agent charge if one does not have money in the bank or enough income? But 4% better than I can get at Chase, my US bank. Where are you getting 4% in the US, and what is the term? The best I can get at Chase is 3.5%, and that's for three months. Anything longer, and it drops to 2% od below. I can do a little better at Fidelity, but the OP said bank. In the last year, the USD is down ~7% against the THB. So with the 1.5% from Krunsri, that's 8.5%. Where can I get a fixed account in the US that pays 8.5%? Having the money in a Thai bank satisfies the visa's financial requirement, but it also serves as a hedge against the dollar. In any event, I understand why would use an agent to circumvent the law if they are broke, but I do not understand people using an agent to circumvent the law just because it saves them a few dollars.

I had Cigna for years for myself and my family and submitted hundreds of claims, including a rotator cuff and two knee replacements all at Bumrungrad, and not a single claim was refused. A few claims (the second knee replacement for example) had to be resubmitted with further explanation, but they were all ultimately reimbursed. Even some things that were not covered like supplements and whatnot were reimbursed. Annual top-level heath check-up and every follow-up visit, and all prescribed medication at Bumrungrad, for the entire family, all covered. Is Cigna expensive? Absolutely. But it is great insurance.

You get your lights back up?