Matzzon

55 minutes ago, lamyai3 said:

You're not arguing in favour of insurance, you're arguing in favour of a rort.

That´s how it looks to a person that wants to shift a focus of a dicussion, out of an unknown reason. The thing is to have an insurance, not the choice to pay yourself. The financial rules can not replace or be called an insurance or a guarantee. You can at any given point choose to withdraw or use your money, which makes your argument total rubbish and proven to have nothing to do with the reality. 

However, the fact is. You can not plan your life in another country that does not support, or are connected to, your health system or social security system. For that to be a realistic possibility, you must have the brain to take care about your protection. The first thing a sensible person is thinkling about when moivng abroad is a health coverage if something happens. Everything else is irresponsible, and there is no idea to start complaining after about how expensive everything is. If you can´t afford to protect yourself according to a country´s rules and regulation, which might change as they wish not as you wish, then you can not live in that country. That´s the hard fact, and no rubbish talk or excuses can run away from that. Unnecessary to nag more about this totally obvious need that irresponsible persons choosed to overlook for too many years.

3 minutes ago, LomSak27 said:

Did you ever have a job? Just asking. My insurance coverage was provded by insurers in conjunction with my employment. When that is over you can for a time extend it for a time. However if living in a foreign country it will terminate at years renewal. 

Yes, of course! Doesn´t most people have a job in life? Thanks for the question, but totally unnecessary. Yes that is what I mean. An insurance like that can´t be used when travelling abroad and settling down in a foreign country. That where the planning comes in. Like you start to pay already every year, for what you need in the future. Then you do not have to complain that its to expensive when you are over 65. Sometimes you have to pay a little bit extra earlier in life for have a better life at old age.

11 minutes ago, fishtank said:

What a load of rot.

I do not understand why so many are exited about this either. It´s just talking at this stage. Nothing has been made clear and regulated in any immigration law. On the other hand, it´s always better to plan and be prepared.

13 minutes ago, fishtank said:

What a load of rot.

Nope, its most definately not. It´s called planning your life, and not just go with the wind to undertake the exclusive right to conplain when the shit already broke the fan.

14 minutes ago, lamyai3 said:

What about when the insurance (or self insurance) you've got doesn't fit their criteria, which are badly thought through by any assessment? 400k inpatient is ridiculously small for a serious medical situation, where 40k outpatient is absurdly high and totally unnecessary. 

That will only concern a person that have been taking the lowest possible way out for an insurance in life. How can you think about calling 40K baht absurdly high? Why would it be totally unnecessary? Does that mean there is no one that needs after treatment for a long time? No, it doesn´t because that is very common. Then it´s good to have an insurance that cover things without eating on the regular household money.

However, you are right about the inpatient. That one should have been 5m baht as a minimum, and then also higher out patient to the double. That is a good insurance that would cover most illness and accidents.

7 minutes ago, jacko45k said:

And an insurance policy with it's limits and exclusions is no way comparable to the flexibility of cash. The added benefit I could use it for some other emergency before I replenish it is also a good point, thank you.

Insurance companies do not have my security in mind. I recently had to change my insurance and dump years of so called benefit of being with the same outfit, after they changed the terms.

 

 

 

 

 

I know this dicussion is a hot potato, and I just not argue more. The only thing to say is, some people wants to not think and complain, other wants to blame everything they can, because it can´t possibly be their fault by not thinking. Some, though, think before they do something and can have a good life with a buffer for changes. There is an expression for that. Do not ever, put all your eggs in one basket. If one breaks you can´t replace it.

20 minutes ago, jacko45k said:

How about I chose to self insure, namely keep a million baht available at all times for medical cover. The benefits are, there are no exclusions, no limits below the 1mil and it is not restricted by my age. I may decide a 400k/40k policy is insufficient and the conditions don't fit me. 

That can not be compared to an insurance, due to that you suddenly can change your mind on what to use the money for. Let´s say a family member have an emergency. You have money. Wouldn´t you save their life if you had the possibility? And that is only 1 example. That´s why your idea fails, and can not be considered like an option of security for a govenment in the country you chose to reside in.

6 minutes ago, fishtank said:

 Measly cover for a sky high price is a huge problem.

The price depends on if you planned your life, and got the insurance when you did not have to pay so much. At an earlier age, that will say. It´s not just to move somewhare and blame age as a negative factor. At 40 years of age a focused person that know in what direction they want their life to go, starts planning. Can be compared with pension funds. It just not to start complain that a pension system starts to fall down when it´s 1 year left foe pension or social security. Most persons can see thoose signs long time before, and pay in to a plan for get a good life at old age.

Health insurance becoming mandatory. Ok, why is some people fussing around so much about that. Everybody that reside in another country must feel the need to have an insurance. Not having one is an irresponsible act of major proportions. Today everybody must know that and already have an insurance, becasue that is the only logical way to behave. And a minimal and measly cover of 400/40 in-out should not be a problem. That´s the least needed if an accident or illness should emerge.

No reason to complain. The country a person is staying in is not the one and it has no responsibility to pay for an individual. Friends and family shall not be forced to pay out of a persons irresponsibility. Last but not least. GoFundMe is not a regular place to ask for money, just because a person have been choosing to not care about themselfs and got the protection needed.

Health insurance, according to me, should have been mandatory already 20-30 years ago. It´s something that the regular person that plans their live think of as one of the first things in life. I really do welcome such a decision and change.

22 minutes ago, scubascuba3 said:

3 hours ago, Matzzon said:

 
Just curious about the problem with last minute runs to squezze out the, maybe, 3 extra days you possibly can get? Is it really that important with 89 + 30 days compared to maybe say 84 + 30? If so why not get another visa for 60 days? If you can afford to stay abroad 90 days, you can surely pay a 1000 or 2000 baht for another visa. Just to be on the safer side, so to say. Just maybe, you can all enjoy an extra week or two, if you choose that way?

Personally i want to minimise the visas i use before I'm 50. I try to get almost 9 months out of the METV. Also depends when your flight out is. No point getting an SETV with all the hassle that comes with it if you don't need it

I totally get your point. I also think that if you get an extra visa, and only use, let´s say, 2 weeks out of 60 days, then they would look at that as something betting in visa history then the ones that use their visas to the last little limit possible. I can be wrong of course, but that´s my opinion and belief. 

24 minutes ago, scubascuba3 said:

I plan to go 1 day before the "valid until" date

4 hours ago, Exilerunner said:

encountered problems when doing their last border run 2 days before the expiration of the 6 month visa period

Just curious about the problem with last minute runs to squezze out the, maybe, 3 extra days you possibly can get? Is it really that important with 89 + 30 days compared to maybe say 84 + 30? If so why not get another visa for 60 days? If you can afford to stay abroad 90 days, you can surely pay a 1000 or 2000 baht for another visa. Just to be on the safer side, so to say. Just maybe, you can all enjoy an extra week or two, if you choose that way?

Yep! It´s always: A friend I know.......If it really was a friend that fad this little problem, even if it is stupid. Why don´t you help your "friend"?

41 minutes ago, ShaeD said:

Apologies for the lack of detail.

 

Yes, I have entered under visa exemption through my Australian passport. I originally came to Thailand for 1 month from February to March. I then left and returned on April. I extended in May for 30 days at Immigration and then in June I went on a border run to Cambodia. I have just extended for 30 days again at immigration. I will be going to Cambodia again at the end of this month before extending again at the end of August. September 4th I will be flying overseas for 10 days before returning. I was going to return simply on Visa exemption though it would be possible to apply for a visa whilst I was overseas 

With that history it´s really a good advice to apply for a single entry tourist visa before departure. Have booked hotel the first nights and 20k baht in cash for show at entry as well as a return ticket. After that you might still be a person that gets questioned or refused entry, but you will have a much better chance.

On 7/8/2019 at 3:46 PM, marcusarelus said:

The secondary proof they wanted was a Thai bank statement for 12 months. 

Yes, or if they show leniency at least 7 month back in time.

Toeretically you can do like you say, because flying do not have any legal limit of entries. Depending on what kind of visa you are using, or if you uswe visa exemt entry, any given IO can choose to refuse or allow entry based on your travel history.

29 minutes ago, ubonjoe said:

After your application is approved and you have PR there is no more need to show financial proof or salary for anything.

If working the only thing you to do is maintain a work permit and pay the taxes that are due based on your salary.

Yes, if working is what I continue to do. Let´s say I worked finished and want to apply for a PR for continued retirement. Is there any proof required then?

Regarding working and no financials, that is the same for working without a PR, but you still need to maintain the requested amount of salury to be given the work permit based on what country you originate from? Is that right?

1 hour ago, Arkady said:

When I was applying for citizenship I got even more derisory comments than when I applied for PR. People said things like, "Why would I want a third world passport and have to submit myself to the indignities of applying when I have a super duper US of A, British, Australian etc passport?"

 

Again some of the real long-term hold outs, who don't have PR but have Thai wives, are now applying after finding the hassles of annual renewals, TM30s and 90 day reporting and worries that one day they will be separated from their families getting too much.

I understand you perfectly. There is a difference between citizenship and PR, though. If you are a citizen, then all the financial rules is wiped out. Applying for a PR is only a permanent residence. It actually do not guarantee you a visa if you cannot uphold the financial requirements that is the ground for your permanent stay. The only thing it takes away is the need for a 90 day report as far as i understand. For the measly fee of only 200K. if I am wrong, I would be happy to be corrected.

19 hours ago, expatfromwyoming said:

Mystifies me as too why so few people do not go the PR red book route instead of endlessly being at the whims of an IO and jumping through hurdles ever 90 days. Most falangs I know qualify for PR. Strange????

Most foreigners you know? Either you do not know many or you just belong to that certain clic du cremé.

Why so few not go that route, and why not most foreigner qualify (that´s a fact that you seem to have missed) is:

1. The extra expense of chunking out 200K for the deal.

2. Need to have worked a minimum of 3 or 5 years (actually not remember) and payed taxes during that time.

3 All the other criterias

So, at the end. Not so strange as you might think it is.

After that you have all the people that compare 90 day reports with the loss of 200K baht. Actually there are more people in Thailand that do not see a 90 day report as something bad, than there are complainers. Guess that was another thing you never thought about.

On 6/28/2019 at 10:43 AM, lamyai3 said:

Should serve as a cautionary warning to others anyway to allow a small amount as a buffer zone.

Surprisingly, There are still a lot of poeple that don´t care about a buffer zone, even if you actually need in all areas of life.

To OP: I wouldn´t worry to much. I do actually think they will take your explaination if you don´t get a very bad one one the worst day ever. Otherwise, Like Joe says, a 60 day ext.

23 minutes ago, jacko45k said:

So they plan to increase the number of Immigration Offices. One would expect they also foresee an increase in the number of foreigners requiring these services? They seem to be disincentivising that possibility if anything. 

Nah, I could just be for offering a better service, and making a more effective work. Which leads to that every province office get a smaller work load, have better control and actually can report irregularities to the each regions head quarter. I say I would take a wild bet, and play quite safely on that thought never crossed your mind.

19 minutes ago, featography said:

I just did my 9th transfer thru TransferWise and every one of them posts as a FTT. I have had conversations  before with TW personnel and can share that they have always used 3 banks in Thailand, Bangkok Bank, TMB and BBL. Everyone that I have interacted with in Thailand that has transfers post as in country transfers were using TMB or BBL banks. For those folks as well as us Bangkok Bank account holders, can go on to TW site and print every transaction done, and with a printout of home bank deposits and transfers, I am confident it will fly. I extend my visa in November, so I will be putting this to the test. 

That will probably work, as long as you can provide the truth in form of evidence, which your copy of transactions through TW must be.

The best days for Savannakhet is Tuesdays and Wednesdays, if you do not go Friday. Almost no ques at all.